Western Assur. Co. v. Stoddard, 19, 172. v. Ward, 608.

Western Home Ins. Co. v. Richardson, 541. v. Hogue, 454, 519.

Western Massachusetts Ins. Co. v. Duffey, 575. v. Hilton, 514.

v. Ricker, 235.

West Rockingham Ins. Co. v. Sheets, 156.
Wheaton v. North B. & M. Ins. Co., 56, 73.
Wheeler v. American Central Ins. Co., 338.
v. Phoenix Ins. Co., 366, 391.

v. Traders' Ins. Co., 145, 343, 345, 351, 353.
v. Watertown Ins. Co., 51, 84, 103, 588.

Wheeling Ins. Co. v. Morrison, 272.

Whitaker v. Farmers' Union Ins. Co., 577, 579, 592.
White v. Connecticut Ins. Co., 405, 422, 531.

v. Insurance Co., 421, 426.

v. Lancashire Ins. Co., 504.
v. Madison, 135.

v. Merchants' Ins. Co., 126.

v. Miller, 462.

v. Mutual Ins. Co., 27, 66.
v. Phoenix Ins. Co., 317, 369.

v. Robbins, 263.

v. Western Assur. Co., 335, 345.

Whited v. Germania Ins. Co., 444, 445, 523.
Whiteman v. American Central Ins. Co., 425.
Whiting v. Burkhardt, 274.

Whitney v. American Ins. Co., 240.

v. Black River Ins. Co., 291, 385.

Whitwell v. Putnam Ins. Co., 122.

Wich v. Equitable Ins. Co., 146, 167, 225.

Wicke v. State Ins. Co., 202.

Wicks Bros. v. Scottish Union & Nat. Ins. Co., 401, 410, 415. Wilber v. Williamsburg City Ins. Co., 445, 481, 529.

Wilberger v. Hartford Ins. Co., 504.

Wilbur v. Bowditch Ins. Co., 28, 144.
Wilkins v. Germania Ins. Co., 46.

v. Insurance Co., 42, 411, 425.

v. State Ins. Co., 393, 487, 488. Wilkinson v. Coverdale, 484.

Willcuts v. Northwestern Ins. Co., 530.

Williams v. Bankers & Merchants' Ins. Co., 448.

v. Buffalo German Ins. Co., 11, 143, 164, 178.
v. Firemen's Fund Ins. Co., 354.

Williams v. New England Ins. Co., 35, 37. v. Niagara Ins. Co., 391.

432.

v. North German Ins. Co., 388, 603, 606.

v. People's Ins. Co., 290, 291, 292, 293, 314, 315, 352,

v. Roger Williams Ins. Co., 139.

Williamson v. New Orleans Ins. Assoc., 175, 487.

v. Orient Ins. Co., 180.

Willis v. Germania Ins. Co., 337, 352.
Wilson v. Ætna Ins. Co., 105.

v. Commercial Union Assur. Co., 394, 462.
v. Conway Ins. Co., 22, 37, 42, 47, 49, 57, 451.
v. Genesce Ins. Co., 111, 473.

v. Hakes, 266.

v. Hampden Ins. Co., 63.

v. Hartford Ins. Co., 419.

v. Herkimer Ins. Co., 62.

v. Hill, 226.

v. Minnesota Ins. Assoc., 19, 497.

v New Hampshire Ins. Co., 419, 425.

v Queen Ins. Co., 86.

v. Union Mutual Ins. Co., 78, 266, 294, 302.

Winans v. Allemania Ins. Co., 350, 486.

Winchell v. Iowa State Ins. Co., 472.

Wineland v. Security Ins. Co., 168.
Winne v. Niagara Ins. Co., 499.

Winnesheik v. Holzgrafe, 472, 571.

Winneshiek Ins. Co. v. Schueller, 183.

Wisconsin Central Ry. Co. v. Phoenix Ins. Co., 425, 483, 511,

513.

Witherell v. Maine Ins. Co., 53, 523.

Wolf v. Dwelling-House Ins. Co., 110, 448, 488.

v. Theresa Village Ins. Co., 165, 167, 234.

Wolfe v. Security Ins. Co., 230, 260, 263.

Wood v. American Ins. Co., 161, 177, 222, 232, 242, 486.

v. Firemen's Ins. Co., 20, 445, 476, 480.

v. Hartford Ins. Co., 34, 35.

v. Northwestern Ins. Co., 135, 337.

v. Poughkeepsie Ins. Co., 528.

v. Prussian Nat. Ins. Co., 499.

Woodbury Savings Bank v. Charter Oak Ins. Co., 49, 91, 449,

450, 454, 605.

Wooddy v. Old Dominion Ins. Co., 168, 538, 595.

Woodruff v. Imperial Ins. Co., 60, 363, 383, 390, 396.

Woodside Brewing Co. v. Pacific Ins. Co., 208, 214.
Woodward v. Republic Ins. Co., 166, 236, 497.
Wooldridge v. German Ins. Co., 448.

Wooliver v. Boylston Ins. Co., 189, 190, 591.
Woolpert r. Franklin Ins. Co., 104, 448.

v. Northern Assur. Co., 104, 142, 166. Worachek v. New Denmark Ins. Co., 487. Worcester Bank v. Hartford Ins. Co., 113.

Works & Pritchett v. Springfield F. & M. Ins. Co., 90.
Worley v. State Ins. Co., 374, 383.

Worth v. German Ins. Co., 565.

Worthington v. Bearse, 228.

Wright v. Insurance Co., 201, 202, 205, 419.

v. Royal Ins. Co., 419.

Wustum v. City Ins. Co., 375.

Wyman v. Imperial Ins. Co., 517.

v. People's Ins. Co., 43.

Wynne v. Liverpool, L. & G. Ins. Co., 64. Wytheville Ins. Co. v. Stultz, 6, 8, 9, 49, 155. v. Teiger, 464, 480.

Y.

Yentzer v. Farmers' Ins. Co., 311.
Yoch v. Home Ins. Co., 17.

Yonkers Ins. Co. v. Hoffman Ins. Co., 547.
Yoshimi v. Fidelity Ins. Co., 402, 425.

Yost v. Dwelling-House Ins. Co., 151, 177.

Young v. Newark Ins. Co., 422.

v. St. Paul F. & M. Ins. Co., 83, 496, 583, 588, 592, 593. v. Washington County Ins. Co., 326.

Z.

Zell r. Herman Farmers' Ins. Co., 465.

Zigler v. Phoenix Ins. Co., 521, 522. Zimmerman v. Dwelling-House Ins. Co., 504. v. Home Ins. Co., 113.

Zinc v. Phonix Ins. Co., 87.

FIRE INSURANCE

AS A

VOID CONTRACT AND AS AFFECTED BY CONSTRUCTION AND WAIVER OR ESTOPPEL, AND MISCELLANEOUS PROVISIONS CONTAINED THEREIN OR CONNECTED THEREWITH, REDUCED TO RULES.

CHAPTER FIRST.

Concealment.

RULE 1. As imposed by contract.

2. Effect of no written application and no inquiry When chargeable with intentional concealment. 3. Oral application without inquiry - Waiver

ception.

Ex

4. When insured bound to make disclosure though no inquiry is made - Concealment not assumed.

5. Effect of defective written application.

6. No concealment when company has knowledge or is put upon inquiry.

7. Effect of insured's knowledge of material fact.

8. Must be material - Question of fact or law- Burden of proof.

9. Test of materiality

Effect of inquiries.

10. Evidence as to rate of premium.

11. Concealment by insured's agent or broker.

12. Effect of concealment by owner acting as agent for mortgagee.

13. Withholding information as to interest or title Question of fact - Effect of warranty.

14. When company put upon inquiry as to interest.

15. No concealment as to value.

16. Effect of a diagram as concealment.

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