WEVER Et Al. v. GERMAN ALLIANCE INS. CO.

Supreme Court of Oklahoma
WEVER Et Al. v. GERMAN ALLIANCE INS. CO., 153 P. 1149 (Okla. 1915)
49 Okla. 556; 1915 OK 1044; 1915 Okla. LEXIS 83
Sharp

WEVER Et Al. v. GERMAN ALLIANCE INS. CO.

Opinion of the Court

SHARP, J.

Plaintiffs’ action is to recover on a policy, of fire insurance, issued by the German Alliance Insurance Company, which is in the standard form prescribed by sections 3481, 3482, Rev. Laws 1910. The policy was issued October 7, 1909, and the property insured was destroyed by fire on the 5th day of April, 1910. The action to recover on the policy - was filed July 29, 1911, in the county court of Coal county. Later a demurrer was sustained, both to plaintiffs’ original and amended petitions, on the ground that the action had not been brought within the time fixed in the statutory-form of policy, providing:

“No suit or action on this policy, for the recovery of any claim, shall be sustainable in any court of law *557 or equity until after full compliance by the insured with all the foregoing requirements, nor unless commenced within twelve months next after the fire.”

It is to review the action of the court in sustaining the demurrer that this appeal has been prosecuted. The question of law presented is the same as that in case of Wever et al. v. Pioneer Fire Insurance Co., ante, p. 546, 153 Pac. 1146, this day decided, in which case it was held that the foregoing provision of the prescribed form of policy was unambiguous, and in an action on the policy commenced more tnan 12 months after the date of the fire would be enforced in accordance with the plain meaning of its terms, where no extrinsic facts were alleged excusing delay in instituting the action; that where a, standard form of policy of fire insurance contains a provision that-no suit or action shall be sustainable in any court of law or equity, unless commenced within “twelve months next after the fire,” the period of limitation begins to run from the date of the fire, notwithstanding' the policy also contains the provision that:

“The loss shall not become payable until sixty days after the notice, ascertainment, estimate, and satisfactory proof of the loss herein required have been received by this company, including an award by appraisers when appraisal has been required.”

It is unnecessary, in that the legal questions presented are the same, to repeat here what was said in our former opinion. On the authority of that case, and for the reasons therein stated, the judgment of the trial court is affirmed.

All the Justices concur.

Reference

Full Case Name
Wever v. German Alliance Insurance Company
Status
Published
Syllabus
ACTION ON INSURANCE POLICY. See ease of W. F. Wever and Tom Bale, as Agent of W. F. Wever, v. Pioneer Fire InsuranceCo., ante, p. 546. 153 Pac. 1146. tbis day decided. (Syllabus by the Court.)