In the court below Elizabeth Murray and Walter Malona, citizens of Pennsylvania, recovered judgment against the Phoenix Fire Assurance Company, Limited, of England, in a suit brought on a policy of insurance. Thereupon the latter sued out this writ, assigning for error the court’s giving to the jury binding instructions in favor of the plaintiffs. In their statement of claim the latter averred the loss on the burned or damaged personal property covered by the policy was $2,187.50. This averment was not traversed by the affidavit of defense, and under the rule of the court below:

“Such Items of claim and material averments of fact of the plaintiff’s statement as are not directly and specilieally traversed or denied by the defendant’s affidavit shall be taken as admitted.”

*810Having proved the execution and delivery of the policy, the fire, the furnishing of proofs of loss, and the admission by the pleadings of the value of the goods, a prima facie case was established, on which, in the absence of countervailing proof, the plaintiffs were entitled to recover.

On behalf of the defendant the only defense urged was that the plaintiffs were required, but had failed, to name an arbitrator in accordance with the clause of a standard policy, viz.:

“In the event of disagreement as to the amount of loss, the same shall as above provided be ascertained by two competent and disinterested appraisers, the insured and this company each selecting one. and the two so chosen shall first s’elect a competent and disinterested umpire. The appraisers together shall then estimate and appraise the loss, stating separately the sound value and damage, and, failing to agree, shall submit their differences to the umpire; and the award in writing of any two shall determine the amount of such loss. The parties thereto shall pay the appraisers respectively selected by them and shall bear equally the expenses of the appraisal and umpire.”

Waiving, for present purposes, whether this was, in view of Hamilton v. Home Ins. Co., 137 U. S. 385, 11 Sup. Ct. 133, 34 L. Ed. 708, a valid defense, we note that this clause, which, it has been held (Royal Co. v. Ries, 80 Ohio St. 272, 88 N. E. 638) is “an agreement for an appraisement, and not an arbitration,” is conditioned, “in the event bf disagreement as to the amount of loss,” and the proofs did not show •that any such disagreement had taken place. We have examined the correspondence and pleadings in the cause, and agree with the conclusion, stated by the court below in its opinion refusing a new trial, that:

“The affidavit contained no direct or specific averment that at any time had there been a disagreement between the parties as to tlie amount of tlie loss. It is true it contained an averment of notice to ‘plaintiff’s attorney in writing that a disagreement had arisen.’ This averment cannot and should not be deemed an equivalent substitute for what was omitted. If there he no disagreement, it is clear that the assured are not bound to submit to an arbitration.”

As the contention of the defendant as to an appraisement had no-basis of fact on which to stand, no defense was proven, and the court was right in directing the jury to find for the plaintiffs.

The judgment on the verdict is therefore affirmed.