The Law of Fire Insurance, Volume 2Baker, Voorhis & Company, 1905 - Fire insurance |
Contents
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Other editions - View all
Common terms and phrases
Ætna aff'd aff'g American Central assignment Barb building chattel mortgage clause company's agent concealment Conn consent Construction construed Council Bluffs Cush Dakota Dwelling-House Effect estoppel Etna Farmers fee simple Fire Assoc Fire Insurance Firemen's form of policy Franklin German Germania Glens Falls Hartford Imposed by Contract increase of risk indorsed insurable interest insurance company interest or title Iowa Kans knowledge Lancashire Liverpool loss Mass material Merchants Minn misrepresentation N. W. Rep N. Y. Supp Nebr Niagara North Northwestern Nat Ohio St operate ownership Phoenix policy issues policy prescribed promissory warranty property insured Question of Fact representation RULE 12 Scottish Union sole and unconditional South Dakota Springfield standard form statement statute Sun Fire supra tion U. S. Cir unconditional owner Valid Contract void the policy waiver or estoppel watchman Western Assur written application
Popular passages
Page 400 - This policy shall be canceled at any time at the request of the insured; or by the company by giving five days' notice of such cancellation. If this policy shall be canceled as hereinbefore provided, or become void or cease, the premium having been actually paid, the unearned portion shall be returned on surrender of this policy or last renewal, this company retaining the customary short rate; except that when this policy is canceled by this company by giving notice it shall retain only the pro rata...
Page 645 - Loss or damage, if any, under this policy, shall be payable to (here insert name of the party), as mortgagee (or trustee), as interest may appear, and this insurance, as to the interest of the mortgagee (or trustee) only therein, shall not be invalidated by any act or neglect of the mortgagor or owner of the within.
Page 622 - ... nor shall any such company or agent pay or allow, or offer to pay or allow, as inducement to insurance, any rebate of premium payable on the policy or any special favor or advantage in the dividends or other benefits to accrue thereon, or any valuable consideration or inducement whatever, not specified in the policy contract of insurance.
Page 441 - In any matter relating to this insurance no person, unless duly authorized in writing, shall be deemed the agent of this company.
Page 646 - Company shall, to the extent of such payment, be thereupon legally subrogated to all the rights of the party to whom such payment shall be made, under all securities held as collateral to the mortgage debt...
Page 218 - ... if any change, other than by the death of an insured, take place in the interest, title or possession of the subject of insurance (except change of occupants without increase of hazard) ; or (e) if this policy be assigned before a loss.
Page 656 - Any corporation, person, company or association transacting the business of fire insurance in this state shall cancel any policy of insurance upon the request of the insured or his legal representatives, and shall return to him or to such representative the amount of premium paid, less the customary short rate premium for the expired time of the full term for which the policy has been issued or renewed, notwithstanding anything in the policy to the contrary.
Page 659 - Materiality is to be determined not by the event, but solely by the probable and reasonable influence of the facts upon the party to whom the communication is due, in forming his estimate of the disadvantages of the proposed contract, or in making his inquiries.
Page 643 - Whoever for compensation acts or aids in any manner in negotiating contracts of insurance or reinsurance or placing risks or effecting insurance or reinsurance for a person other than himself, and not being the appointed agent or officer of the company in which such insurance or reinsurance is effected, shall be deemed an insurance broker, and no person shall act as such insurance broker save as provided in this section.* * * * § 20.
Page 670 - Each party to a contract of insurance must communicate to the other, in good faith, all facts within his knowledge which are or which he believes to be material to the contract, and which the other has not the means of ascertaining, and as to which he makes no warranty.