Pennsylvania Fire Insurance Co. v. Sikes

Sikes, as plaintiff, sought to recover for damages to his household belongings and his truck alleged to have been sustained by windstorm. He alleged liability of the defendant under two policies of insurance issued by the defendant company and in force at the time of the damage.

Defendant answered by general denial and alleged failure to furnish proof of loss, and further alleged that if any loss or damage was sustained by plaintiff, the same was proximately caused by flood, which is a hazard not insured against by the policies and is expressly excluded from the terms of the policies.

The…