Conrad v. Farmers Mutual Hail Insurance

On July 3, 1933, the defendant company issued its policy insuring plaintiff’s crops against loss by hail. Plaintiff sustained a loss on July 14, 1934. He sent notice of the loss to the company and three adjusters, Mr. O’Meara, Mr. Crouse, and Mr. Ford, came to the farm to adjust this loss. After intermittent negotiations extending over two or three days, a settlement was reached on August 13, 1934. Four days later another untimely hailstorm occurred and plaintiff sustained another loss.

The real bone of contention is whether the policy was can-celled when settlement was made on August 13th, or…