Hi-G, Incorporated v. St. Paul Fire and Marine Insurance Company

This diversity action to recover on an insurance policy covering “direct physical loss * * * or damage * * * from any external cause” should, conced.edly, result in a finding for the insured unless barred by the policy’s exclusion clause. The presently material portion of that clause is as follows:

“Loss or damage caused by or resulting from dampness of atmosphere, dryness of atmosphere, extremes or changes of temperature, shrinkage, evaporation, loss of weight, rust, contamination, change in flavor or color or texture or finish, unless such loss or damage is caused directly by fire,…