Case Name: Adelbert G. Sergent, App'lt, v. London and Liverpool and Globe Insurance Company, Resp't
Court: New York Supreme Court, General Term
Jurisdiction: New York
Decision Date: 1895-02
Citations: 66 N.Y. St. Rep. 162
Docket Number: 
Parties: Adelbert G. Sergent, App’lt, v. London and Liverpool and Globe Insurance Company, Resp’t.
Judges: 
Reporter: New York State Reporter
Volume: 66
Pages: 162–164

Head Matter:
Adelbert G. Sergent, App’lt, v. London and Liverpool and Globe Insurance Company, Resp’t.
(Supreme Court, General Term, Fourth Department,
Filed February, 1895.)
Insurance—Proofs of loss.
The failure to furnish of proofs of loss, as required by a policy of insurance, constitutes a complete defense to a recovery, unless such provision is waived by the company.
Appeal from a judgment dismissing the complaint, and from an order denying a motion for a new trial.
Andrew C. Washbon, for app’lt; C. D. Thomas, for resp’t.

Opinion:
Per Curiam.
On the trial the plaintiff was nonsuited. The principal question involved upon this appeal is as to the validity of such nonsuit. The policy which formed a based for this action, among others, contained the following provisions :
"If fire occur, the insured shall give immediate notice of any loss thereby in writing to this company, and within sixty days after the fire, unless such time is extended in writing by this company, shall render a statement to this company, signed and sworn to by said insured, stating the knowledge and belief of the insured as to the time and origin of the-fire; the interest of the insured and all others in the property; the cash value of each item thereof, and the amount of loss thereon ; all incumbrances thereon; all other insurance, whether valid or not, covering any of said property, and a copy of the descriptions and schedules in all policies; any changes in the title, use, occupation, location, possession, or exposures of said property since the issuing of this policy; by whom and for what purpose any building herein described, and the several parts thereof, were occupied at the time of fire. This company shall not be held to have waived any provision or condition of this policy, or any forfeiture thereof, by any requirement, act, or proceeding on its part relating to the appraisal or to any examination herein provided for, and the loss shall not become payable until sixty days after the notice, ascertainment, estimate, and satisfactory proof of the loss herein required have been received by this company, including any award by appraisers when appraisal has been required This policy is made and accepted subject to the foregoing stipulations and conditions; and no officer, agent, or other representative of this company shall have power to waive any provision or condition of this policy, except such as by the terms of this policy may be the subject of agreement indorsed hereon or added hereto; and as to such provisions or conditions no officer, agent, or representative shall have such power or be deemed or held to waive any 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."
That the property included in the policy in question was destroyed by fire on August 27, 1892, and that proofs of loss were not furnished until November 26th of that year, are undisputed facts in the case. Thus, it conclusively appears that the condition of the policy requiring the plaintiff to furnish proofs of loss within sixty days after the fire was not performed or complied with; nor is it pretended that the time was extended in writing by the defendant. The furnishing of proofs of loss as required by the policy was a condition precedent to the plaintiff's right of recovery. Underwood v. Farmers' Joint-stock Insurance Co., 57 N. Y. 500; Blossom v. Lycoming Fire Insurance Co., 64 id. 162; O'Brien v. Commercial Fire Insurance Co., 63 id. 111: McDermott v. Lycoming Fire Insurance Co., 44 Supr. Ct. 221; Bell v. Lycoming Fire Insurance Co., 19 Hun, 238. And the nonperformance of this condition constitutes a complete defense to a recovery upon such a policy. Quinlan v. Providence, etc., Insurance Co., 133 N. Y. 356, 362.45 St. Rep. 200. These authorities seem to be decisive of the question before us, unless this provision in the policy can be held to have been waived by the defendant. We have carefully ex amined the evidence bearing upon that question, and regard it as insufficient to raise any question of waiver of this condition in the policy. Without discussing the other questions upon which it is claimed that the nonsuit might be sustained, we regard the one already considered as sufficient, and hence do not examine the other questions presented for our -consideration. We have also examined the other-exceptions to which our attention has been called by the appellant, but find none that would authorize us to. disturb the judgment.
Judgment and order affirmed, with costs.