Frankfurter v. Home Insurance

The trial court was authorized to direct an amendment of the complaint by increasing the amount for which judgment was demanded, Knapp v. Roche, 62 N. Y. 614 ; Baylie’s Gode Pleading, 625, and cases there cited; and to direct a further amendment, after verdict, by adding an allegation to the effect that before the commencement of the action more than sixty days had elapsed since service upon the defendant of proofs of loss, the fact having been proved without objection, and the cause of action remaining unchanged. Code Civ. Pro., § 721; Davis v. N. Y., L. E. & W. R. R. Co., 110 N. Y. 646 ; 17 St. Rep. 172 ; Knapp v. Simon, 96 N. Y. 284 ; Reeder et al. v. Sayre, 70 N. Y. 180 . Upon appeal from the city court of New York we may not inquire into the weight of the evidence, Gundlin v. The Hamburg-American Packet Co., 8 Misc. Rep. 291 ; 59 St. Rep. 208 ; Kujek v. Goldman, 59 id. 543; 29 N. Y. Supp. 294 ; and, without a request for submission to the jury of some specific question of fact, the defendant’s exceptions taken to the denial of its motion for dismissal of the complaint, and to the direction of a verdict «for the plaintiff, authorize our review of the proceedings on the trial only to ascertain whether or not there was anv evidence sufficient to support the recovery. Stirn v. Hoffman House Co., 8 Misc. R. 246; 59 St. Rep. 229 , and cases there cited. The only substantive question, therefore, which is presented upon this appeal, is the one which relates to the defendant’s alleged waiver of its right to treat the policy in suit as avoided.

It appeared in evidence, from, the testimony of the insured, that subsequent to the issuance of the policy in suit he did effect other insurance, upon property wholly covered by the defendant’s policy, to the amount of fifteen hundred dollars, without having secured the written approval of the defendant to such insurance. It was specifically ruled in Baumgartel v. Providence Washington Ins. Co., 136 N. Y 547 ; 50 St. Rep. 19 , with reference to a policy containing the same provision which is hereinbefore set forth, that the policy was effectually avoided by subsequent insurance without the written approval of the insurer, or its authorized agent, though the latter had orally assented. To pursue the inquiry, therefore, would involve a labor of mere supererogation. The fact that the plaintiff’s assignor, the insured, when the policy in suit was issued, informed the defendant’s agent of his intention to effect further insurance, to which the agent' orally assented, cannot change the result for the reasons hereinafter stated with regard to the insured’s knowledge of the agent’s limited authority in the matter; and the case is plainly distinguishable from a class of cases referred to by counsel, in which it was held that knowledge of the insurer, or of its agent, at the time of the issuance of the policy, of existing facts, contrary to .the terms and conditions of the policy, will estop the insurer from availing itself of a forfeiture because of those facts. Knowles v. The American Ins. Co., 66 Hun, 220 ; 49 St. Rep. 7 ; affirmed, 142 N. Y. 641 ; 60 St. Rep. 866 .

Nor do we accede to the proposition of the learned counsel for the respondent that a waiver resulted from the agent’s apparent oral recognition, after the loss had taken place, of the continued vitality of the policy with knowledge of the facts constituting the forfeiture.

Brody, a witness'for the plaintiff, testified that on the day succeeding the fire, Joerns, the defendant’s agent, admitted his knowledge of the fact of subsequent insurance, and stated that, because of it, he regarded the policy in suit as avoided. From the insured’s testimony it appeared that, after his interview with Brody, Joerns directed the insured to cause the property insured to be examined, and his proofs of loss to be prepared ; and that, acting upon such oral direction, he incurred expense in the examination of the property, and the preparation of proofs. Of the facts thus in evidence the waiver is sought to be predicated.

The policy in suit, however, further provided that “ no officer, agent or other representative of this company, shall have power to waive any provision or condition of this policy except such as by the terms of this policy may be the subject of agreement indorsed hereon, or added hereto, and as to such provisions and conditions, no officer, agent, or representative shall have such power, or be deemed, or held to have waived such provisions or conditions unless such waiver, if any, shall be written upon or attached hereto,

In support of his proposition the respondent’s counsel relies upon Pechner v. Phœnix Ins. Co., 65 N. Y. 195 , and Titus v. Glens Falls Ins. Co., 81 N. Y. 410 , cases which are to the effect, as claimed, that an agent may orally waive the forfeiture notwithstanding that the policy requires the waiver to be in writing; but it should be observed that .in both of the cases the court had reference to the powers of an agent whose authority was general, or apparently general, and of whose restrictive authority the insured did not have notice. In the case at bar, however, the agent’s authority was restricted as already stated. It is not distinguishable, therefore, from the cases, which are to the effect, that no waiver can result- from the acts of an agent which are in excess of his authority, and where such lack of authority is known to the insured at the time. Hill v. London Assn. Corp., 16 Daly, 120 ; 30 St. Rep. 539 ; Quinlan v. Providence W. Ins. Co., 133 N. Y. 356 ; 45 St. Rep. 200 ; Moore et al. v. Hanover F. Ins. Co., 141 N. Y. 219 ; 56 St. Rep. 801 .

Our conclusion from the foregoing is that the exceptions which were taken to the ref-usal of the trial court to dismiss the complaint, and to its direction of a verdict for the plaintiff, present error for which the judgment must be reversed.

Judgments of the general and trial term of the court below reversed, and a new trial ordered, with costs to the appellant to abide the event. All concur.