Case Name: William Frankfurter, Respondent, v. The Home Insurance Co., Appellant
Court: New York Court of Common Pleas
Jurisdiction: New York
Decision Date: 1894-11
Citations: 10 Misc. 157
Docket Number: 
Parties: William Frankfurter, Respondent, v. The Home Insurance Co., Appellant.
Judges: 
Reporter: New York Miscellaneous Reports
Volume: 10
Pages: 157–161

Head Matter:
William Frankfurter, Respondent, v. The Home Insurance Co., Appellant.
(New York Common Pleas
General Term,
November, 1894.)
The court has authority on the trial of an action to direct an amendment of the complaint by increasing the amount for which judgment is demanded, and may, even after verdict, authorize an amendment by adding allegations necessary to perfect the cause of action, where the fact has been proved without objection, and the cause of action is unchanged thereby.
Under a policy providing that it shall be void if the insured procures other insurance without the written consent of the company, and specially providing that no agent shall have power, or be deemed to have waived its provisions or conditions, unless such waiver should be written upon or attached thereto, neither knowledge of the agent, at the time the policy was issued, that the insured intended to procure other insurance, and his oral assent thereto, nor his acts after the -loss, in requiring the insured to have the property examined and his proofs prepared, will operate as a waiver of forfeiture on the ground of the procurement of subsequent insurance without the written consent of the company.
Appeal from a judgment of the General Term of the City Court of New York, which affirmed a judgment for the plaintiff rendered upon a verdict directed in his favor.
Action by the assignee of the insured to recover upon a policy of fire insurance, the defense being that by its terms the policy was avoided, owing to subsequent insurance effected by the insured without the written consent of the defendant, or its authorized agent, indorsed on or attached to the policy.
Da/oid Levent/ritt, for respondent.
George Richards, for appellant.

Opinion:
Bisohoff, J.
The trial court was authorized to direct an amendment of the complaint by increasing the amount for which judgment was demanded (Knapp v. Roche, 62 N. Y. 614 ; Baylies' Code PI. 625, and cases there cited); and to direct a further amendment, after verdict, by adding an allegation to the effect that before the commencement of the action more than sixty days had elapsed since service upon the defendant of proofs of loss, the fact having been proved without objection, and the cause of action remaining unchanged. Code Civ. Proc. § 721 ; Davis v. N. Y., L. E. & W. R. R. Co., 110 N. Y. 646 ; Knapp v. Simon, 96 id. 284 ; Reedier v. Sayre, 70 id. 180. Upon appeal from the City Court of New York we may not inquire into the weight of the evidence (Gundlin v. Hamburg-Americcm Packet Co., 8 Misc. Rep. 291 ; Kujek v. Goldman, 9 Misc. Rep. 34; 29 N. Y. Supp. 294); and, without a request for submission to the jury of some specific question of fact, the defendant's exceptions taken to the denial of its motion for dismissal of the complaint, and to the direction of a verdict for the plaintiff, authorize our review of the proceedings on the trial only to ascertain whether, or not, there was any evidence sufficient to support the recovery. Stirn v. Hoffman House Co., 8 Misc. Rep. 246, and cases there cited. The only substantive question, therefore, which is presented upon this appeal, is the one which relates to the defendant's alleged waiver of its right to treat the policy in suit as avoided.
The policy contained the following: " This entire policy, unless otherwise provided by agreement indorsed hereon or added hereto, shall be void if the insured now has or hereafter shall make or procure any other contract of insurance, whether valid or not, on property covered in whole or in part by this policy. " It appeared in evidence, from the testimony of the insured, that subsequent to the issuance of the policy in suit he did effect other insurance upon property wholly covered by the defendant's policy, to the amount of $1,500, without having secured the written approval of the defendant to such insurance. It was specifically ruled in Baumgartel v. P. W. Ins. Co., 136 N. Y. 547, with reference to a policy containing the sarde provision which is hereinbefore set forth, that the policy was effectually avoided by subsequent insurance without the written approval of the insurer or its authorized agent, though the latter had orally assented. To pursue the inquiry, therefore, would involve a labor of mere supererogation. The fact that the plaintiff's assignor, the insured, when the policy in suit was issued, informed the defendant's agent of his intention to effect further insurance, to which the agent orally assented, cannot change the result for the reasons thereinafter stated with regard to the insured's knowledge of the agent's limited authority in the matter, and the case is plainly distinguishable from a class of cases referred to by counsel, in which it was held that knowledge of the insurer or of its agent, at the time of the issuance of the policy, of existing facts contrary to the terms and conditions of the policy, will estop the insurer from availing itself of a forfeiture because of those facts. Knowles v. Ameriecm Ins. Co., 66 Hun, 220 ; 142 N. Y. 641.
Nor do we accede to the proposition of the learned counsel for the respondent that a waiver resulted from the agent's apparent oral recognition, after the loss had taken place, of the continued vitality of the policy with knowledge of the facts constituting the forfeiture.
Brody, a witness for the plaintiff, testified that on the day succeeding the fire Joerns, the defendant's agent, admitted his knowledge of the fact of subsequent insurance, and stated that because of it he regarded the policy in suit as avoided. From the insured's testimony it appeared that, after his interview with Brody, Joerns directed the insured to cause the property insured to be examined and his proofs of loss to be prepared, and that, acting upon such oral direction, he incurred expense in the examination of the property and the preparation of proofs. Of the facts thus in evidence the waiver is sought to be predicated.
The policy in suit, however, further provicled that " no officer, agent or other representative of this company shall have power to waive any provision or condition of this policy except snch as by the terms of this policy may be the subject of agreement indorsed hereon or added hereto, and as to such provisions and conditions no officer, agent or representative shall have such power, or be deemed or held to have waived such provisions or conditions unless such waiver, if any, shall be written upon or attached hereto, nor shall any privilege or permission affecting the insurance under this policy exist or be claimed by the insured unless so written or attached." Indisputably in the case at bar the agent's authority was restricted to waivers in writing indorsed on or attached to the policy, and of this restriction the insured had, or must be presumed to have had, notice.
In support of his proposition the respondent's counsel relies upon Pechner v. Phoenix Ins. Co., 65 N. Y. 195, and Titus v. Glens Falls Ins. Co., 81 id. 410, cases which are to the effect, as claimed, that an agent may orally waive the forfeiture, notwithstanding that the policy requires the waiver to be in writing; but it should be observed that in both of the cases the court had reference to the powers of an agent whose authority was general, or apparently general, and of whose restricted authority the insured did not have notice. In the case at bar, however, the agent's authority was restricted, as already stated. It is not distinguishable, therefore, from the cases which are to the effect that no waiver can result from the acts of an agent which are in excess of his authority, and where such lack of authority is known to the insured at the time. Hill v. London Ass. Corp., 16 Daly, 120 ; Quinlan v. P. W. Ins. Co., 133 N. Y. 356 ; Moore v. H. Ins. Co., 141 id. 219.
Our conclusion from the foregoing is that the exceptions which were taken to the refusal of the trial court to dismiss the complaint, and to its direction of a verdict for the plaintiff, present error for which the judgment must be reversed.
Bookstaveb and Pbyob, JJ., concur.
Judgments of the General and Trial Terms of the court below reversed and new trial ordered, with costs to the appellant to abide the event.