Barnes v. Mid-Continent Casualty Co‪.‬

The opinion of the court was delivered by Emma J. Barnes, plaintiff (appellee), brought this action against Mid-Continent Casualty Company, defendant (appellant), to recover on a fire and lightning insurance contract for losses sustained to her premises occasioned by lightning striking the northwest corner of her house. The damage to the house consisted of the electrical system being short-circuited, the burning out of the heating element on a water tank, damage to screen doors and windows, allowing rain to come into the house, thus damaging the playroom ceiling and floor, and damage to the exterior of the house resulting in the outside brick wall being cracked.