Seeds v. Royal Insurance

Citations

• 75 Pa. Super. 302
• 1921 Pa. Super. LEXIS 3

Syllabus

<p>Insurance policies — Construction—Additions and betterments.</p> <p>In an action to recover on an insurance policy which insured a brick building “with additions and extensions thereto,” an affidavit of defense is insufficient, which merely alleges that the insurance applied only to a certain building and not to an addition, which although detached, was connected by a continuous brick wall and used in conjunction, with the main building.</p> <p>The meaning of the word “addition” in an insurance policy as applied to buildings more or less closely situated, their relative location, accessibility, and adaptability to some common end, enters into the question, and from this it follows that, in a limited sense, each case must be determined from its own particular facts. The word “addition” or “additions” may often apply to buildings appurtenant to some other building though not actually in physical contact therewith.</p> <p>A building appurtenant to the main building, having one wall in common and separated only by a short space, must be held to be covered by the word “additions” in the insurance policy.</p>