Miller v. Hartford Fire Insurance Company

A. B. Schario, owner of a house in Woodbury County, Iowa, notified the Woolridge. Insurance Agency, Sioux City agent of the defendant Hartford Fire Insurance Company, his insurer, of a fire loss on his property. The agent referred the claim to Western Adjustment and Inspection Company, appellant, for investigation and report. When, appellant’s manager, Leroy Bean, received the claim he assigned it to Richard Brennan, an adjuster employed by appellant, who went to the premises and inspected the damage.

The owner told Brennan a contractor had estimated the damage at $5000 which Brennan thought…