Woogmaster v. Liverpool & London & Globe Insurance

The plaintiff, a dealer in woolen and cotton rags, owned and occupied a four-story brick building in Chelsea. The hurricane of September 21, 1938, raised a portion of the roof of his building three feet, breaking certain pipes which were attached to the roof and comprised a part of the automatic sprinkler system, thereby permitting water to escape and damage the plaintiff’s stock in trade which was valued at $18,500. At the time this damage was sustained, the plaintiff carried three sprinkler leakage policies of insurance, one of which was issued by each of the defendants. The terms and…