Law v. Home Mutual Fire Insurance

Citations

• 56 Pa. Super. 527
• 1914 Pa. Super. LEXIS 117

Syllabus

<p>Insurance — Fire insurance — Mutual insurance — Ice houses — Vacant or unoccupied premises — Agent.</p> <p>Where a mutual insurance company issued a policy of fire insurance on April 1, on two ice houses which were entirely empty at the date of the policy because of a failure of the ice crop for the two preceding years, and it appears that the general agent of the company had indorsed his approval of the policy on the back of the application before it was issued, in compliance with the by-laws, and it also appears that the agent knew of the state of the property and that the insured had made no misrepresentations of concealment in order to effect the insurance, the company will be liable for a loss occasioned by the subsequent burning of the ice houses, although the policy provided that if the premises should become vacant or unoccupied “and so remain more than ten days without notice or consent of this company in writing, then this policy shall be void.”</p>