Edwards v. Planters & Peoples Mutual Fire Ass'n
Edwards v. Planters & Peoples Mutual Fire Ass'n
Opinion of the Court
The plaintiff in error excepted to a judgment of nonsuit. His action was brought against the association for -the recovery of a loss sustained by the burning of his ginhouse. The association interposed the defense that the property described was not, at the time of the fire, covered by the policy. It contained a stipulation in these words: “If a gin-house or other building be taken into this association which shall at intervals be operated by steam, the insurance on such building, or buildings adjacent and endangered thereby, shall be removed so long as it is so operated; but such danger
We are of the opinion that the judgment of nonsuit was right. Even if the above-quoted stipulation in the policy is susceptible of the construction that it should, during the continuance of the ginning season, protect the ginhouse for intervals of one or more days while ginning operations were entirely suspended —which is, to say the least, doubtful, — we are quite clear that where cotton was in the ginhouse ready to be ginned, and on a given day the engine was fired up with a view to getting the machinery in order for ginning on the ensuing day, and during the intervening night the property was destroyed by fire, the company was not liable. Certainly, if any cotton had been actually ginned on the 13th, and operations had been suspended merely because of some temporary breakdown in the machinery, and there had been an intention after making the needed repairs to resume ginning on the next day, it could not be doubted that a fire occurring before the time for beginning work on that day should be regarded as a fire taking place during an interval in which operations by steam were being conducted. It makes no practical difference that there was no actual ginning on the 13th. As steam was generated and the machinery put in motion, thus bringing into active operation the very dangers against which the company by its contract declined to insure the plaintiff, the case presents the same aspect as if cotton had really been ginned on that day. Any other construction than that which we have placed upon that clause of the policy
The above disposes of the question by the determination of which this case is controlled, and we therefore do not refer to points made in the bill of exceptions relating to other matters of defense set up by the company.
Judgment affirmed.
Reference
- Full Case Name
- EDWARDS v. PLANTERS AND PEOPLES MUTUAL FIRE ASSOCIATION OF GEORGIA
- Status
- Published