C. Kalbitzer Packing Co. v. Travelers' Indemnity Co.

By the burglary insurance policy sued on, the defendant company undertook "To indemnify the assured for all loss by burglary of any such property from within that part of any safe or vault to which the insurance under this policy applies, occasioned by any person or persons making felonious entry into such safe or vault by actual force and violence, or which force and violence there shall be visible marks upon such safe or vault by tools, explosives, electricity, gas, or other chemicals, while such safe or vault is duly closed, and locked by at least one combination or time lock and located in the assured's premises as hereinafter defined, or while located elsewhere after removal therefrom by burglars."

The declaration which is in the short form prescribed by statute, sues for $1,208.30 with interest from May 16, 1926, for loss in respect to the property insured by said policy caused by burglary, theft or robbery on or about the 16th day of May, 1926, at 1327 Market Street, Wheeling, West Virginia, with which declaration a bill of particulars was filed showing by items the amount of said loss.

The evidence is conclusive that the safe was equipped with a combination lock on the outside door, and with a Yale lock operated with a key on the inside door, and that the safe was duly closed and locked by the combination lock as well as by the inside or Yale lock on the night before the burglary was committed, and that the safe was feloniously entered.

The defense was that plaintiff failed to establish the essential fact by competent and sufficient evidence that the entry was made by force and violence manifested by visible marks made upon the safe by tools, explosives, electricity, gas or other chemicals, while the safe was so duly closed and locked as provided in the policy.

When the safe was first examined, the witnesses say that the knob and dial plate of the combination lock showed that it had been tampered with, that the knob bore a mark of indentation, that the neck thereof was bent, and that it and the dial were broken loose from the inside mechanism so that the lock could not then be operated or manipulated, by the two locksmiths called as witnesses by the defendant nor by other persons who tried to do so, so as to open the door, and these locksmiths gave it as their opinion that the safe door had not been entered by any force or violence exerted on the outside door or lock. The door was finally opened by these mechanics by drilling a quarter inch hole in the door under the dial plate into which a quarter inch rod was inserted and the bar punched, which released the combination from it, and by turning the handle the bolt went back, and the door came open.

But according to the terms of the policy, it is apparent that right of recovery was not made to depend on force and violence so manifested, on the outside door of the safe, or on both doors, as provided in some policies of indemnity of this same character. Such force and violence manifested on any part of the safe sufficient to make an entry will satisfy the terms and conditions of the policy upon which liability of the surety is made to depend. When the outside door was opened, the inner door was found unlocked. In the keyhole was found inserted the end of a knife blade, and the knife from which it had been broken was found on the floor. The upper and lower left hand corners of the inside door consisting of soft quarter inch steel were bent down or up, evidently by the insertion of some tool and by prying thereon, and as manifested by marks or scratches on the safe; and one of the locksmiths called as a witness by defendant when asked by counsel whether by the use of some prying instrument and the knife blade as described this inner door could have been forced open, said "it is possible", it may have been.

If the case depended on the evidence tending to show force and violence used on the outer door of the safe, the evidence might leave us in doubt, though there was some evidence of force and violence thereon by the use of tools. True the expert witnesses gave it as their opinion that this door was not entered by means of such force and violence, but this was opinion only. No one could say that the door had not been in some way forced thereby. There were the marks upon it. If we assume, as defendant would have us do, that entrance was made by some one knowing the combination, and that he entered by manipulating that, yet there is the evidence of force and violence on the inside door, and can we deny to the plaintiff the benefit of the jury's verdict on these facts? We think not. The evidence was certainly sufficient to carry the case to the jury, and justifying the trial judge in refusing defendant's peremptory instruction No. 1 to find for the defendant, also their instruction No. 4 which would have told the jury that the mere fact that there were some scratches or indentations upon the knob and dial plate, they were not sufficient to warranty a finding for plaintiff. As we have said, there was the evidences of force and violence upon the inside door, which instruction No. 4 wholly ignores. Plaintiff was entitled to have all the evidence go to the jury. This conclusion is supported by the cases relied on and cited by the trial court in denying the defendant's motion for a new trial, namely,Moskovitz v. Travelers Indemnity Company, 144 Minn. 98; Brill v. Metropolitan Surety Company, 133 N.Y.S. 476; NationalSurety Company v. Chalkley, (Tex.) 260 S.W. 216;Bruner v. Fidelity Casualty Company, 101 Neb. 825; Rosenbach v. Fidelity Casualty Company, 204 Mo. App. 145; ColumbiaCasualty Co. v. Rogers Co., 29 Ga. App. 248; Palace LaundryCompany v. Royal Indemity Company, 63 Utah 201; Cahn Wachenheim v. Fidelity Casualty Company, 157 La. 238. In a number of these cases the evidence of force or violence on the outside door was none or was uncertain, but the fact that the evidence showed force and violence on the inside door was held sufficient to take the case to the jury on the question of entrance by force or violence. The judgment will be affirmed.

Affirmed.