Cassel v. Newark Insurance Co.

The policies here involved covered loss by hail, stating that the insurer should not be liable “unless the building covered or containing the property covered shall first sustain an actual damage to roof or walls by the direct force of wind or hail, and then shall be liable for loss to the interior of the building, or the property covered therein as may be caused by water, rain, snow, wind, or dust entering the building through the openings in the roof or walls made by direct action of wind or hail.”

Plaintiffs’ shop occupied the ground floor and basement of a two-story brick building in the…