
    Elias Bayer, Judgment Creditor, Plaintiff, v. Pincus Sack et al., Judgment Debtors, Defendants.
    (City Court of New York, Special Term,
    March, 1910.)
    Exemptions — Property exempt — Insurance money.
    Where property of a judgment debtor exempt from execution is destroyed by fire, his judgment creditor may not by a third party order in supplementary proceedings compel the moneys payable to the judgment debtor under a policy' of insurance on such property to be paid to such creditor, but the judgment debtor is entitled to receive and use such moneys to replace the articles destroyed.
    Pbooeedings supplementary .to execution.
    
      Max Silverstein, for judgment creditor.
    Harry Steinbock, for judgment debtors.
   Finelite, J.

This is a motion why a third party order heretofore issued on the 28th day of February, 1910, out of this court, staying the officers of the Scottish Union and National Insurance Company of Edinburgh' from paying over money in its possession due to Pineus Sack, one of the judgment debtors herein, should not be vacated and set aside. It appears from the moving affidavits that a judgment of $393.68 was obtained in this court against said Pineus Sack on the 21st day of February, 1908; that on the 23d day of February, 1910, a fire occurred in the apartments occupied by said Pincus Sack, and that beds, bedding and clothing belonging to himself and family were destroyed, which property was covered by an insurance policy of said company to the amount of $1,300. The said damage was compromised with said company for the sum of $350, which said Sack agreed to accept for said loss. Before this money could be paid over to said Sack the judgment creditor herein caused a third party order, containing a stay and signed by one of the justices as aforesaid, to be served upon said insurance company, thereby staying it from paying over the said sum of $350 to said Sack. The said judgment debtor claims the property destroyed to be exempt by reason of sections 1390 and 1391, Code of 'Civil Procedure, and also the proceeds therefrom to be exempt. There is no question but that the contention so made is correct. Yates Co. N. Bank v. Carpenter, 119 N. Y. 551, 555; Freem. Exec., § 235. The judgment debtor is entitled to receive from said insurance company property equal to that destroyed or its value in money, and if it is paid in money then the said judgment debtor has a right within a reasonable time to retain the money for the purpose of replacing the property destroyed. Cooney v. Cooney, 65 Barb., 524. Nor will the court direct the insurance company to pay over the proceeds to a receiver of the judgment debtor appointed in proceedings supplementary to execution due to judgment debtor for damage to property exempt from levy under execution. Bliss v. Raynor, 91 Hun, 250; Cooney v. Cooney, 65 Barb. 524. The exemption as provided, under the statute is a humane provision in favor of families, and it is the duty of the courts to enforce its execution.

Motion granted.  