Gibbons v. German Insurance & Savings Institution

The only question in this case is, whether damage to the furniture and library of the appellant, caúsed by steam escaping from a break in the pipes of the apparatus by which his rooms were heated, thereby producing such a degree of heat in his rooms that the furniture and books therein were charred, is a damage by fire, covered by an ordinary fire insurance policy issued by the appellees. There is no case found where that question arose. Where there is actually a fire by which adjoining premises are being consumed, and the policy makes it the duty of the assured, in case of exposure to damage…