Dale v. Iowa Mutual Insurance

MARTIN (Harry C.), Judge.

Plaintiffs’ principal contention is that the policy of insurance is divisible and if plaintiffs violate the policy with respect to their claim for personal property loss, it does not void the policy as to the claim for damages to the dwelling house.

The policy is a standard fire insurance policy and the statutory provisions are incorporated in it. The terms of N.C.G.S. 58-176(c) require that the standard fire insurance policy for North Carolina contain this provision:

This entire policy shall be void if, whether before or after a loss, the insured has wilfully concealed…