Court Opinion

ID: 5501764
Source: CourtListenerOpinion
Date Created: 2022-01-10 03:01:03.241971+00
Date Added: 2024-06-11T08:33:57.332624
License: Public Domain

Barnard, P. J.
This action is based upon a policy of insurance issued by defendant to the plaintiffs. The application described the property as ■ “ used *697as a storage ice-house.” The policy, which was issued on May 2, 1885, describes the property as “occupied as a storage ice-house.” The building was destroyed by fire June 7, 1885. On the 8th of June, 1885, the company, without knowledge of the fire, gave a consent that the loss be paid to the mortgagee who held a mortgage on the property. On the 10th of June, 1885, preliminary loss papers were served. The premises were never occupied as a storage ice-house, or used as such. It was new and partly completed at date of policy. Mo certificate of a justice of the peace accompanied the loss papers. The loss papers were rejected by the company, and on June 7, 1886, this certificate of the justice was served with other loss papers. The action was commenced the same day. By the policy 60 days are given before the loss is payable after the full and complete loss papers are served. The action is therefore prematurely brought. The exception should therefore be overruled, and- judgment given for defendant, with costs. All concur.