National Fire Insurance v. Crutchfield

Opinion of the Court by

Judge Turner

Reversing in both cases.

These two appeals present the same question and will be disposed of together.

In April, 1913, each of the appellees held a policy of tornado insurance issued by the appellant company; *803they were each the owners of houses and other buildings embraced in the policies which were situated along the Ohio River in Henderson County in a section subject to overflow.

The policies insured them “against all direct loss or damage by tornado, windstorm or cyclone except as hereinafter provided.” One of the exceptions referred to is as follows:

“This…