Union Fire Insurance v. Stone

1. A cancellation of a fire-insurance policy by the insurance company can not be effected without notice to the insured and a refund to him of the unearned premium' which lie has paid. Hollingsworth v. Germania &c. Fire Ins. Co., 45 Ga. 294 (12 Am. R. 579).

2. Where a fire-insurance policy has been delivered by the insured to an agent of the insurance company for the purpose of having attached to it a “loss-payable*clause,” and where, before the return of the policy to the insrued, a loss occurs from destruction by fire of the property covered by the policy, and the company afterwards refuses…