
    John Krank et al., Plaintiffs, v. The Continental Insurance Company, Defendant.
    (Supreme Court, Saratoga Special Term,
    March, 1906)
    Insurance — Actions on policies—Pleading—Sufficiency of complaint on policy of fire insurance — Necessity of alleging destruction or injury by fire.
    A complaint on a fire insurance policy which only alleges that the property insured remained in the dwelling until a time at which a fire occurred in the said dwelling; that the damage and loss to the property insured is a certain sum and that on a certain day the plaintiff went to his house and there saw the damage to the house and contents caused by the fire, does not allege, specifically or by intendment, that the insured property was destroyed or injured by fire, and a demurrer thereto will be sustained.
    Demurrer to complaint.
    
      E. J. Cooper, for plaintiffs.
    W. W. Wemple, for defendant.
   Spencer, J.

This action is brought upon an ordinary fire insurance policy. In order to recover, the plaintiff must allege and prove that the insured property was destroyed or injured by fire. This fact is not specifically alleged, but the court is asked to infer the same from all the allegations of the complaint.

It is true that, when parties proceed to the trial of an issue of law or fact upon an uncertain or equivocal pleading, the court must regard every allegation which is expressly, impliedly or argumentatively averred, and so give effect to every fact which can, by reasonable and fair intendment, be implied from the entire pleading. Marie v. Garrison, 83 N. Y. 14; Sanders v. Soutter, 126 id. 193; Sage v. Culver, 141 id. 241.

But the loose application of this rule in practice has tended to reduce the science of pleading to the art of wording an allegation so indefinitely that as many different constructions may be placed upon it as the various necessities of the pleader demand. As recently said by the Court of Appeals, it may be doubtful if it has not set a positive premium on bad pleading. O’Connor v. Virginia Passenger & Power Co., 184 N. Y. 46-53.

In drawing an inference from facts alleged, the rule is, that the facts constituting the basis for the inference must be clearly and unequivocally alleged and not themselves rest, either in whole or in part, upon inference. Thus an allegation so indefinite that its meaning rests upon inference, or so equivocal as to bear two or more constructions, may not be employed to form the basis, either in whole or in part, for another inference. One inference may not be used as the basis for another. Furthermore, the facts constituting the foundations of the inference must reasonably and fairly exclude every other hypothesis except the fact inferred,

The present complaint fitly illustrates these rules. The only allegation that the property was in the building at the time of the fire is in these words: “ Said insured property so remained in the said dwelling until the 14th day of August, 1905, at which time a fire occurred in the said dwelling.” Shall we infer from this that the property was in the building at the time of the fire, or shall we infer that it remained there only until the time of the fire ? Both inferences may be drawn from the averment. If this were followed by an allegation that the property was destroyed or injured by the fire, the intention would be made apparent, but, the complaint contains no such specific allegation. The only allegation in that respect is as follows: “ That the damage arid loss to the personal property of the plaintiff insured by the said insurance policy of the defendant is the sum of $4,798.08.” We may infer from this that the property was in fact injured, although there is no specific allegation thereof; but we may not infer that such injury was caused by fire, as the averment does not exclude the hypothesis of injury by other means. But it is contended that another allegation supplies this element. It reads as follows: “In the forenoon of sail) day” (August sixteenth, two days after the fire) “said plaintiff went to his said house and there saw the damage to the house and contents caused by the fire.” Here again we may infer that the contents of the house were damaged by the fire, but in order to infer that the insured property constituted a part of said contents, we must rely upon the .inference to that effect; for, as we have seen, it is not so alleged. Furthermore, the complaint alleges that other property of a similar kind was in the house.

As the complaint does not allege specifically or by fair intendment that the insured property was destroyed or injured by fire, the demurrer must be sustained, but with the usual leave to plead over upon payment of costs. -

Ordered accordingly.  