Insurance Co. of North America v. Baker

The Insurance Company of North America and the Fire Association of Philadelphia, by a joint policy for $1,000, insured Baker against loss by fire. The property —a house — covered by the policy was practically destroyed by fire. The insurance companies did not pay the loss, and Baker sued them and recovered judgment for $1,000.

The only defense relied upon is that Baker failed to comply with the following provisions of the policy:

“In the event of disagreement as to the amount of loss the same shall, as above provided, be ascertained by two competent and disinterested appraisers, the insured and…