Gribble v. Royal Insurance Company

Southerland, C.J.:

This is a suit upon a policy of insurance to recover a loss to plaintiffs’ house caused by a rupture of the hot water heating system, a risk covered by the policy.

On August 8, 1956, the defendant Royal Insurance Company issued to plaintiffs, owners of a dwelling near Newark, Delaware, a “Home Owners Policy” of insurance. Included in the risks insured is the rupture of a steam or hot water heating system. There was a mortgage on the premises and, according to the usual practice, the original policy containing the standard mortgagee clause was sent to the mortgagee. At some…