Atlantic Mutual Fire Insurance v. Chadwick

1. Where a policy of insurance is conditioned to pay for “direct loss to the property covered ... by the following perils as defined and limited herein. I. Fire and lightning, excluding any loss resulting from any electrical injury or disturbance to electrical appliances, devices or wiring from artificial causes, unless fire ensues, and if fire does ensue, this company shall be liable only for its proportion of loss caused by such ensuing fire,” and there is evidence that lightning struck the insured premises, killing two trees and burning off the valve head of a water pump under the house,…