Armroyd v. Union Insurance
Armroyd v. Union Insurance
Opinion of the Court
after stating the report and decree, delivered his opinion as follows:
It has been contended by the defendants’ counsel, that this survey, which I have detailed somewhat at large, forms a complete bar to the plaintiff’s recovery; and unless it be so construed, it defeats the object of the company in inserting the clause in question; — that the conclusion of the surveyors, immediately after the word therefore, is necessarily founded on what they had seen in their last visit, the decay of timbers, breasthook, trunnels and ceiling; and that the finding of the
Unquestionably, courts pf justice are bound to construe all contracts, according to -the true intent and meaning of the parties, and to execute them accordingly. Where technical expressions are not used, the words are to be taken in their plain and obvious sense, and not to be strained on either side.
It has been said, on the part of the plaintiff, that in order to render the survey an estoppel to the plaintiff’s recovery, it must clearly appear, that there was a condemnation by the judge, on the ground, that the vessel was unsound and rotten; while it was admitted, that the necessity thereof would, be superseded in a country, where there was no legal .tribunal to make such adjudication. The difficulty, as I take it, dees not occur in the present instance. The judge on reading the captain’s petition, his own warrant, and the return of the surveyors, and hearing the arguments of counsel, was pleased to order &c. He judged de et super premissis; and if the report of the surveyors brought the case within the true meaning of the words of the policy, he, by adopting their conclusion, may be fairly said to agree therewith.
The real question is, whether the surveyors have established in their report, that the vessel was unsound or rotten, when the voyage commenced? It is perfectly clear, that general unsoundness could not be caused in a voyage of six weeks; but it is equally clear, that there may be a partial unsoundness in particular, timbers, which could not with propriety destroy the character of a vessel as seaworthy. The ship-carpenters testified on the trial, that scarcely a single vessel sails on the ocean, without having some unsoundness in part of her timbers; and hence it is evident, that in the view of persons conversant in the structure of marine .vessels, they
They were thrice on board the brig, to execute the trust reposed in them.. In their first visit, they ascertained the extent of her leakage in a given period of time, while the cargo was on board, and the devastation and effects produced by the rage of the elements which she had encountered: — in their second visit they examined the damaged state of the cargo: — in their third and last visit, when her cargo was unladen, they examined the particular parts of her internal structure, as I have already enumerated. Here I may observe, that it was proved on the trial, that some error must have crept into the phraseology of the report, respecting the middle and lower futtocks meeting, which does not occur in shipbuilding. Examining the whole of this return with attention, can we with safety pronounce, that the conclusion of the surveyors, or the decree of the judge, was grounded on the single fact of the brig being unsound or rotten? Is it not more natural to suppose, that the effects of the storm, and the difficulty, if not the impracticability, of procuring materials for refitting her for sea, as well as the decay of her timbers, formed a capital consideration, in the result of their several decisions? My mind is strongly inclined to the latter opinion; and if I am correct herein, it brings the case before us, within the precise principle established by judge Washington, in Watson and Hudson v. The Insurance Company of North America, as to a mixed cause of condemnation, on a clause in a policy of similar import to the present; and also by the unanimous opinion of this court in Garrigues v. Coxe, upon a motion for a new trial in March term 1809. 1 Binn. 592.
Upon the whole matter, I am satisfied, that the present motion should be denied.
The question in this case depends upon the clause in the policy, “ if the above vessel, after a regular w survey, should be condemned for being unsound or rotten.”
In the case of Watson and Hudson v. The Insurance Company of North America, the report of the surveyors was, that many of the timbers mentioned were found to be unsound and rotten, and that in the shattered and stranded situation of! the vessel, and the want of proper mechanics there, foF repairing her, the repairs -would cost more than the vessel was worth; and they recommended that she should be sold, and stn order of sale was given on this report. By judge Washington in this cause, there was not thought sufficient found to bar, on the construction of this clause. I should have thought so too; though strong evidence to the jury of a want of seaworthiness at the outfit, left the question still tfpen to the insurer.
On the 24th of November, they come to examine the vessel with a view to this, or at least the examination respects this. “ Having ordered the ceiling to be taken off, about the lower futtock head where the middle and lower futtocks met, “ from the main chains aft, we found the timbers quite decay- “ ed; that the upper breasthook and wing transom was in the “ same decayed state; ihat the trunnels were started in many “ places, and generally very loose and rotten, and that the “ ceiling throughout was decayed and loose. We therefore “ were of opinion that the said brig Fair American was un~ “ worthy of repair, and unfit for sea; and that it would be “ most to the advantage of the parties concerned, that she “ should be forthwith sold at pubiic auction.”
To say whether the word “ therefore” shall refer to the defects ascertained on the examination of the 24th, or shall relate to the defects ascertained on the examinations of the 12th and 14th also, ought not to be made a question of grammatical reference merely; for in that case I do not see how it could be restrained to the examination of the 24th,
Motion denied, and Judgment for plaintiff.
Reference
- Full Case Name
- Armroyd against The Union Insurance Company
- Status
- Published