Vacancy over sixty days, additional insurance, and increase of moral or physical hazard under a fire policy
Niagara Fire Insurance Co. v. Everett, 292 F.2d 100 (5th Cir. 1961)
Edition and licensing notes
Publisher. U.S. Court of Appeals, Fifth Circuit (Texas, Louisiana, Mississippi) (opinion text via law.resource.org)
Edition. 292 F.2d 100 (1961); retrieved 2026-09-29
Status. Judicial opinion of a United States court of appeals: a work of the U.S. government / government edict, public domain.
What this document is
Niagara Fire Insurance Co. v. Everett, 292 F.2d 100 (5th Cir. 1961) - vacancy over sixty days, additional insurance, and increase of moral or physical hazard under a fire policy is a reference published by U.S. Court of Appeals, Fifth Circuit (Texas, Louisiana, Mississippi) (opinion text via law.resource.org). It is one of the documents that insurance license exam questions are written from, including claims adjuster practice questions. This page summarizes it and points to the official version, which is the text to rely on.
Sections cited in practice questions
Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.
- Niagara Fire Ins. Co. v. Everett, 292 F.2d 100 (5th Cir. 1961) (burden of proof)
“The burden of proving increased hazard is upon the insurance company. The particular circumstances of each case determine whether or not the risk has been increased.”
- Niagara Fire Ins. Co. v. Everett, 292 F.2d 100 (5th Cir. 1961) (moral hazard)
“Moral hazard, in insurance, is but another name for a pecuniary increase to the insured should the property burn. Statistics, experience, and observation all teach that the moral hazard is least when the pecuniary interest of the insured in the protection of the property against fire is greatest,...”
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