Home Insurance v. Adler

On August 14, 1966, a fire partially destroyed the house located at 3010 Manhattan Avenue in Baltimore City. The property was insured against direct loss by fire for $17,500 under a Homeowner’s policy issued by the appellant, Home Insurance Company (the insurer), to Gertrude Becker (Becker), the sole insured named in the policy. Becker died in the fire, approximately nineteen minutes after it had begun. The insurer paid Abraham Adler (Adler), Becker’s Executor and the appellee herein, for personal property lost in the fire; it refused, however, to pay Adler’s claim for fire damage to the…