Donrojill Realty Corp. v. Aetna Casualty & Surety Co.
Opinion of the Court
In an action, inter alia, on a policy of fire insurance, plaintiffs appeal from a judgment of the Supreme Court, Nassau County, entered November 9, 1976, which is in favor of defendants, upon the trial court’s dismissal of the complaint at the conclusion of the entire case, at a jury trial. Judgment reversed, on the law, and new trial granted, with costs to abide the event. A clause in the policy suspended liability if the insured building became "vacant or unoccupied beyond a period of sixty consecutive days”. At the trial, the parties stipulated that the fire occurred on January 27, 1975. There was testimony that the building had been rented to a tenant who employed 45 persons and approximately 50 to 60 machines in the manufacture of wire and tubular racks; that the tenant had ceased manufacturing during the month of October, 1974; that it had engaged in cleaning up the premises during the following month pursuant to a requirement that it return the premises broom-clean; and that it had settled a claim for the November rent. In addition, the late president of the plaintiff owner had testified at an examination before trial that the tenant had not returned all of the keys, that it occupied the premises until November 30, 1974 and that he was present on that date when the tenant moved out its property for the last time. The jury therefore could have found that in November, although the actual manufacturing process had ceased, the tenant was in the process of moving out and did not relinquish possession and control before November 30. In our opinion, on this record, whether the building was "vacant or unoccupied” on the critical date (Nov. 28, 1974) was a question for the jury. It cannot be said that there was no rational process by which the jury could have found for the plaintiff (see Calvaruso v Our Lady of Peace R. C. Church, 36 AD2d 755). The decisions on which the defendant-respondent relies (Nurnberg v Citizens Cas. Co. of N. Y., 18 AD2d 650, affd 13 NY2d 681; Halpin v Phoenix Ins. Co., 118 NY 165; Halpin v Aetna Fire Ins. Co., 120 NY 70) are inapposite on their facts.
Case-law data current through December 31, 2025. Source: CourtListener bulk data.