E. A. Granchelli v. Travelers Insurance

Order and judgment unanimously reversed on the law without costs and motion denied. Memorandum: In February 1985, plaintiff sustained water damage to his real property resulting in a loss of approximately $116,000, and commenced this action when defendant insurer denied coverage on the ground that plaintiffs loss was not a direct loss within the meaning of its policy. According to plaintiff, a windstorm blew open a roof door, and subzero air entered the building, causing a pipe to freeze and thereafter to burst, resulting in the water damage. The policy at issue insured against direct loss…