Schuster v. Germantown Mutual Insurance

The insurance policy described Tunnel City as the location of the property and the insuring clause insured against “all direct loss by fire ... to the property described herein while located or contained as described in this policy, . . . but not elsewhere.” Recently this court reviewed the rules applicable to the reformation of insurance policies. To ground such an action there must be proof of a prior oral agreement, which through mistake, fraud or negligence the written policy does not express. Shearer v. Dunn County Farmers Mut. Ins. Co. (1968), 39 Wis. 2d 240, 159 N. W. 2d 89; Artmar,…