Hockens v. Republic Mutual Fire Insurance

I am unable to agree with the majority of the court as to the proper disposition of this case. To me the proposition is very simple and amounts to this:

There is nothing unusual or ambiguous about this insurance contract — it merely provided fire insurance coverage on seed corn in barn and granary, and not elsewhere! Mistake or fraud is not pleaded by the insured — in fact, from the record it does not appear that there was any mistake or fraud on the part of any one so as to give rise to a reformation of the policy. Furthermore, this being a mutual fire insurance company, the ordinary rule of…