Automobile Insurance v. Thomas

These are suits upon policies of fire insurance in the New York standard form, with riders to cover loss by lightning, for loss and damage to an insured building from the fall upon it of a wall of a neighboring building, during a storm, thirty-eight days after fire had destroyed that neighboring building and left the wall standing. At the trial there was a dispute of fact on the question whether lightning had struck and thrown down the wall; and the questions of law presented were whether the loss from the falling over of the wall would be a “direct loss or damage,” either by fire or by…