American Insurance v. School District No. 23

Prior to July 14,1923, appellee applied to appellant for a policy for fire and tornado insurance in the sum of $1,000, through appellant’s soliciting agent, W. O. Kemper. The policies were issued, effective July 14,1923, for a term of three years, expiring July 14,1926. Before the expiration of the policies Kemper solicited and obtained from appellee an application for renewal of same and a warrant ivas issued to him covering the amount of the premium thereon. Renewal policies were never issued by appellant. On Thanksgiving night in November following, the property covered by the old policies…