Cookendorfer v. Pendleton Co. Farmers Fire Ins. Co.

Opinion op the Court by

Van Sant, Commissioner

— Affirming.

Appellant is the holder of a policy issued by appellee insuring him against all direct loss or damage to his tobacco barn and three other buildings by fire, lightning, or wind, subject to certain limitations and conditions specifically set out therein. The one policy covers all four risks and the premium was paid in a lump sum.

One of the provisions in the policy recites “* * * also that the company will not be responsible for loss or damage by fire to dwellings or other buildings having terra cotta or clay flues in same, nor where stove…