Smith v. Municipal Mutual Ins.

Neely, Justice:

This case presents the question of whether the mere mailing of notice of cancellation of a fire insurance policy by the insurance company constitutes sufficient notice under W. Va. Code, 33-22-14 [1957] and W. Va. Code, 33-22-15 [1957].

The appellee, Lawrence Ray Smith, owned a one-story frame house in Lincoln County. On 7 March 1973 the appellant, Municipal Mutual Insurance Company, a farmers’ mutual insurance company, organized under the laws of this state, contracted to provide fire insurance on the house of up to $5,000. Appellant, Walls Insurance Agency, Inc. (Walls) of…