Hiatt v. American Insurance Company

The appellants’ first assignment of error is directed to her Honor’s conclusion of law, “that the securing of additional insurance by one of the named insureds on the afternoon before the fire, without any notice or knowledge on the part of the defendant, constituted a breach of the ‘total insurance’ clause of the Dwelling and Contents Form of the policy and voided the defendant’s policy coverage on the dwelling with the exception of the amount admittedly due the mortgagee.”

The present Standard Fire Insurance Policy of the State of North Carolina, as amended by Chapter 378 of the Session Laws…