Shields v. Vermont Mutual Fire Insurance

This is an action of contract upon the lightning clause in two polices of fire insurance, only one of which, covering a certain barn, is here in question. The answer is a general denial and special defenses. After trial by jury the verdict was for the plaintiff. The case is here on the defendant’s exceptions. The clause in question is as follows: “Lightning Clause. This policy also covers direct loss or damage to the property insured by lightning (meaning thereby the commonly accepted use of the term ‘lightning’ and in no case to include loss or damage by cyclone, tornado or windstorm)…