Lawrence B. And Harriet F. Vogel v. Northern Assurance Company, Limited, and Mount Joy Mutual Insurance Company (Two Cases)

GOODRICH, Circuit Judge.

This is an appeal from a decision in an insurance case. With a stipulated loss of $12,000 the plaintiff finds himself in the happy possession of a judgment against two insurance companies which aggregates $15,000. The insurance companies, quite naturally, appeal.

The whole question is one of Pennsylvania law. The property insured against fire was located in Pennsylvania; the insurance policies were written and delivered in Pennsylvania. Our sole problem is to determine as best we can the Pennsylvania law which governs this situation.

The undisputed facts present a…