Sergent v. Liverpool & London & Globe Insurance

Under the decision of this case when it was here upon a former appeal ( 66 App. Div. 46 , 73 N. Y. Supp. 120 ), I fail to see how the judgment now appealed from can be affirmed,- for the reason that I am unable to find any substantial difference in the facts in this'record from those recited in the opinion upon that appeal. There it was held that, where the agent had testified that he had no knowledge or information, at the time he issued the policy, that the building insured was erected upon leased land, the jury had no right to find, in the absence of evidence contradicting the agent’s testimony, that he had any such knowledge. It appeared there, as here, that the plaintiff swore that he told the agent, upwards of a year before the policy in question was issued, and many months before he was the agent of this defendant, that the building stood upon leased ground; but the only evidence upon this trial which it is claimed shows or tends to show that he had any such knowledge at the time he issued the policy is that in an interview between the agent and the plaintiff and his counsel in May, 1893, shortly before the first trial of the action, the agent said, in substance, that the policy in question was the first one he had put in this company, and whenever he insured a building that stood on leased land now he put it in the policy; that, if he had put it in this policy, the company would have been responsible, and the lawsuit saved. This was said after the answer was served,

The action is defended also on the ground that the building had been vacant and unoccupied for more than 10 days previous to the fire, without a written consent to that effect indorsed on the policy, and that a condition of the policy made it void in such case. It was claimed on the part of the plaintiff that at the same interview in which he told the agent that the building was on leased ground he also told him that this factory was not running at that time, and that it only ran as he could make satisfactory arrangements with the patrons. I-t must be presumed that the jury have found that the plaintiff did so tell Thomas, but, even so, that conversation referred to the date of it; that is, that the factory was not running at the time of the interview, and only as he could make satisfactory arrangements with the. patrons. There is nothing in the proof to show that that statement referred in any way to the building being vacant at the time of the issuing of the policy, over a year thereafter, or at the time of the fire; nor is there a.particle of evidence in the case from which the jury could find that Thomas knew that the building was vacant or unoccupied, and had been for more than 10 days prior to the fire, or from which the jury could have found ■ that the condition of the policy in that respect was waived.

The plaintiff refers to the case of Dorwin v. Westbrook, 11 App. Div. 394 , 42 N. Y. Supp. 1123 , and invokes the principle that, where a case has been tried three times, and upon each occasion with the same result, the appellate court will not disturb the verdict as against the weight of evidence, but will allow it to stand, and affirm the judgment. But that principle can have no force as applied to a case where the verdict has no evidence at all to support it.

I think, following the decision upon the former appeal, that this judgment and the orders appealed from must be reversed, and a new trial granted, with costs to the appellant to abide the event. All concur.