Aetna Insurance v. Hintz
Aetna Insurance v. Hintz
Opinion of the Court
This suit by Aetna Insurance Company, the subrogated fire insurer of a building owned by Rose Brener, seeks recovery against H. J. Hintz of the amount of damage sustained in a fire which Aetna alleged was caused by Hintz’s negligence. Aetna has now appealed from the dismissal of its suit after a trial on the merits.
Brener had employed Hintz to install the electrical wiring for two central air conditioning units in September, 1968, when the building was entirely renovated. Brener’s tenants thereafter complained of a clattering in the condensing unit, which was replaced twice. In October, 1971 a fire oc
The principal fire damage was at the rear wall, just above the air conditioning condensing unit located on the outside of that wall. The cause of the fire was undoubtedly of electrical origin.
Two electrical defects or faults were found in the electrical wiring, and the ground wire had actually burned through and separated at the location of each fault. The upper fault was located in the electrical wire which lay on top of the wall plate (the horizontal timber at the top of the stud partition wall), at the point where Hintz had attached the wire by using a crimped nail, and the lower fault was located in the same electrical wire where it was dropped down between the vertical studs of the partition wall, at the level just above the disconnect switch which served the condensing unit. Either fault, by itself, could have caused the fire.
On appeal Aetna contends that the evidence preponderates in its favor, since it proved the upper fault was caused by Hintz’s improper use of a crimped nail, while the cause of the lower fault was not provable because of the effects of the fire.
At trial each side presented an expert electrical engineer experienced in investigating the origins of fires. George Hero had examined the premises after the fire. He found an area of copper beading about eight inches on either side of the break at the lower fault and concluded that arcing had occurred and generated heat for several minutes. At the upper fault only one bead had formed, but since the wire had burned through and since there was no other copper melted in the area except under the nail, he opined that arcing had also occurred there.
Hero attributed the upper fault to Hintz’s use of the crimped nail instead of an approved staple, allegedly in violation of the electrical code, explaining that use of a nail can cause concentration of pressure at one point and ultimate damage to the insulation.
Joseph Leininger, on the other hand, had not inspected the premises, but did examine
Aetna had the burden of proving that Hintz’s negligent act or omission caused the fire. The evidence in this case at best established that Hintz’s use of a crimped nail could cause a fire; the evidence taken as a whole, however, did not establish that Hintz’s conduct more probably than not caused this fire. It was at least equally probable (and in our view more probable) that the fire originated at the lower fault, for which Hintz was not shown to be responsible, and that the heat of that fire caused the break in the conductor at the nail.
The judgment is affirmed.
AFFIRMED.
. The No. 8 Romex wire consisted of an outer jacket or cover which enclosed an uninsulated ground wire and two insulated conductor wires.
. The electrical code requires that wire in exposed walls be secured to the side of the stud, but excepts wiring in concealed work in finished buildings, where the wire may be fished through between points of access.
The evidence in this case indicated that both the interior and exterior walls were closed when Hintz installed the wires, except above the eight-foot level to which the high ceilings were lowered during the remodeling then in progress. It was thus necessary that Hintz drop the wire from above into the space between the studs and fish the wire through to the point of access at the disconnect switch.
.Nevertheless, Hero testified:
“My opinion of the cause of the fire was the arcing of the conductors within this wall which was directly above the unit.”
He also admitted that piercing of the wire at the disconnect switch could also have caused intermittent clattering.
. Leininger testified that the nail, in order to cause such a problem, would have had to initially break the insulation of one of the live wires.
Case-law data current through December 31, 2025. Source: CourtListener bulk data.