Pennsylvania Millers Mutual Insurance v. Heule

Webb, Judge.

Heule purchased from appellant a comprehensive physical damage insurance policy on a chicken house covering losses up to $35,000 sustained by fire, explosion, windstorm and hail, and supplemental coverage for other described exigencies. Coverage was afforded for "Explosion Damage: Meaning only direct loss to the property insured hereunder from explosion caused by the rapid combustion of any volatile or combustible substance .. .” (Emphasis supplied.)

The insured building, an "Environmental Control Layer House,” was built in 1970 for the purpose of boarding baby chickens until they…