Midwood Sanatorium v. Fireman's Fund Insurance

The defendant Fireman’s Fund Insurance Company of San Francisco issued a policy of fire insurance on premises owned by the plaintiff and occupied by it as a sanitarium. The building covered by the policy is a frame structure erected within what is known as a “ fire district ” in the city of New York. Under the ordinances of the city of New York, existing frame buildings erected within such districts are legal, but any existing frame building which may be in need of structural repairs to an amount greater than fifty per cent of its value exclusive of the foundations “ shall not be repaired or…