Court Opinion

ID: 9675626
Source: CourtListenerOpinion
Date Created: 2023-08-24 04:59:22.040701+00
Date Added: 2024-06-11T18:16:36.047071
License: Public Domain

BEJACH, J.
I respectfully dissent from the majority opinion in this case. I would be disposed to agree with the majority if the fire loss involved had occurred while the personal property insured was located within the corporate limits of Rogersville, Tennessee. I cannot agree, however, that insurance company waived its rights under the policy when the property of plaintiffs was moved beyond the corporate limits of Rogersville, where there was no fire protection, and where, in fact, fire protection was refused when the fire that consumed the property actually occurred. The mere fact that a claim for damage to a piano had been filed with the insurance company when the piano was moved from inside the corporate limits of Rogersville to the location outside that town cannot, in my opinion, serve as notice to the insurance company that all of plaintiffs’ personal property was being moved to that new location. The policy covers, to the extent of $1,000, property located elsewhere than at the place named in the policy, and I can see no reason for charging the insurance company with knowledge that property of a value greater than $1,000 was being moved outside the corporate limits of Rogersville. The insurance company has tendered payment of $1,000, which is the limit of its liability for destruction of property located elsewhere than as described in the policy. In my opinion, liability on the policy here involved should be limited to that amount.