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Amica Mutual Insurance Co. v. Town of Vestal

Appellate Division of the Supreme Court of New York, Third Department
Mar 18, 1993
191 A.D.2d 916 (N.Y. App. Div. 1993)

Opinion

March 18, 1993

Appeal from the Supreme Court, Broome County (Rose, J.).


As the result of an unfortunate sequence of events, the home of plaintiff's insured was completely destroyed by a natural gas explosion. During a storm on June 26, 1987, overhead high-voltage power lines, which were owned and maintained by defendant New York State Electric Gas Company (hereinafter NYSEG), were severed and fell onto a speed limit sign which had been erected by defendant Town of Vestal in Broome County. Electric current was conducted through the sign's pole into the ground where it arced or passed by contact to a natural gas main, which was owned by defendant Columbia Gas of New York, Inc., and burned three holes in the gas main. Natural gas then escaped through the holes, permeated through the ground and, eventually, after collecting in the home of plaintiff's insured, exploded and destroyed the home.

Plaintiff paid its insured's damages pursuant to their insurance contract and then, as subrogee, commenced this negligence action. Plaintiff alleged that NYSEG was negligent in failing to properly trim branches near the power lines, that the Town was negligent in placing and erecting the sign between 1970 and 1972 without regard for the existing underground gas line installed by Columbia in 1956, and that Columbia was negligent in failing to mark the location of the line, to use pipe strong enough to resist penetration and to discover holes in the gas line. After extensive discovery was conducted, defendants each moved for summary judgment dismissing the complaint and cross claims. In a cogent decision, Supreme Court found, among other things, that the type of harm inflicted on plaintiff's insured was not foreseeable and therefore there was no duty owed to plaintiff's insured to avoid inflicting this harm. An order was entered granting the motions and dismissing the complaint. Plaintiff appeals.

There should be an affirmance. Assuming the existence of some duty on the part of defendants that extended to adjoining landowners such as plaintiff's insured, it is settled that foreseeability is a limit on that duty (Pulka v. Edelman, 40 N.Y.2d 781, 786). The question is whether, at the time when the act or omission occurred, each defendant's conduct was reasonable in the light of what it could anticipate (see, Danielenko v. Kinney Rent A Car, 57 N.Y.2d 198, 204; Mack v. Altmans Stage Light. Co., 98 A.D.2d 468, 471). "Whether hindsight reveals that greater precautions could have been taken to avoid the harm that eventuated is irrelevant if the injury could not reasonably have been foreseen at the moment the defendant engaged in the activity which later proves harmful" (Danielenko v. Kinney Rent A Car, supra, at 204). We agree with Supreme Court that the only inference to be drawn from the undisputed facts is that the explosion of the house of plaintiff's insured was not foreseeable to defendants and, thus, summary judgment was properly granted (see, Derdiarian v. Felix Contr. Corp., 51 N.Y.2d 308, 315-316; Palsgraf v. Long Is. R.R. Co., 248 N.Y. 339, 345). Simply put, it was unforeseeable to these defendants that fallen electric wires would come into contact with a speed limit sign, causing the electricity to flow through the sign to its base, that the electricity from the base of the sign would arc or pass by contact into the steel gas main with a protective coal tar coating, that gas would seep through the ground some 50 feet to a building that had no gas connection and that a fire would coincidentally be started, causing the building to explode (see, Mack v. Altmans Stage Light. Co., supra; Monacelli v. Armstrong, 64 A.D.2d 428, 435, affd 49 N.Y.2d 971; see also, Wells v Finnegan, 177 A.D.2d 893, 894). Because the type of harm inflicted on plaintiff's insured was not foreseeable, no duty to avoid inflicting this harm was owed to plaintiff's insured.

Mikoll, J.P., Levine, Mahoney and Casey, JJ., concur. Ordered that the order is affirmed, with costs.


Summaries of

Amica Mutual Insurance Co. v. Town of Vestal

Appellate Division of the Supreme Court of New York, Third Department
Mar 18, 1993
191 A.D.2d 916 (N.Y. App. Div. 1993)
Case details for

Amica Mutual Insurance Co. v. Town of Vestal

Case Details

Full title:AMICA MUTUAL INSURANCE COMPANY, as Subrogee of RUTH E. BENOIT, Appellant…

Court:Appellate Division of the Supreme Court of New York, Third Department

Date published: Mar 18, 1993

Citations

191 A.D.2d 916 (N.Y. App. Div. 1993)
594 N.Y.S.2d 918

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