Schafer v. Shelby Farmers Mutual Insurance

Defendant is a town mutual organized under ch. 202, Stats. Sec. 202.09, Stats., provides:

“. . . Every contract of insurance made under this chapter shall be based wholly upon the written answers in the application over the signature of the applicant. . . .”

Plaintiff signed a written application-which was submitted to the board of directors who issued a policy in response thereto. The sole power to issue the policy is in the directors. A fire occurred on March 27, 1943, and certain property was destroyed, including a milking machine, wagon, separator, manure spreader, harnesses, tools, and…