[2018]DLHC6903 Login to Read Full Case <span style="font-size: 18px !important;"><p class="MsoNoSpacing" align="center" style="text-align:center;line-height:115%"><b><span style="font-size:12.0pt;line-height: 115%;font-family:"Book Antiqua","serif";color:#00B0F0;mso-ansi-language:EN-US">N. N. EST METALS COMPANY LTD</span></b><i><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua","serif"; mso-ansi-language:EN-US"><o:p></o:p></span></i></p><p class="MsoNoSpacing" align="center" style="text-align:center;line-height:115%"><i><span style="font-size:10.0pt;line-height: 115%;font-family:"Book Antiqua","serif";mso-ansi-language:EN-US">(PLAINTIFF)<o:p></o:p></span></i></p><p class="MsoNoSpacing" align="center" style="text-align:center;line-height:115%"><b><span lang="EN-GB" style="font-size:12.0pt; line-height:115%;font-family:"Book Antiqua","serif";color:#00B0F0">vs.<o:p></o:p></span></b></p><p class="MsoNoSpacing" align="center" style="text-align:center;line-height:115%"><b><span style="font-size:12.0pt;line-height: 115%;font-family:"Book Antiqua","serif";color:#00B0F0;mso-ansi-language:EN-US">HOLLARD INSURANCE CO. LTD</span></b><i><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua","serif"; mso-ansi-language:EN-US"><o:p></o:p></span></i></p><p class="MsoNoSpacing" align="center" style="margin-bottom:12.0pt;text-align:center; line-height:115%"><i><span style="font-size: 10.0pt;line-height:115%;font-family:"Book Antiqua","serif";mso-ansi-language: EN-US">(DEFENDANT)<o:p></o:p></span></i></p><p class="MsoNoSpacing" align="center" style="text-align:center;line-height:115%"><span lang="EN-GB" style="font-size: 10pt; line-height: 115%; font-family: "Book Antiqua", serif;">[</span><span lang="EN-GB" style="font-size:10.0pt;line-height:115%; font-family:"Book Antiqua","serif"">HIGH COURT (COMMERCIAL DIVISION), ACCRA</span><span lang="EN-GB" style="font-size: 10pt; line-height: 115%; font-family: "Book Antiqua", serif;">]</span><b><span lang="EN-GB" style="font-size:10.0pt;line-height:115%;font-family:"Book Antiqua","serif"; mso-bidi-font-family:Tahoma"><o:p></o:p></span></b></p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt; padding:0in 0in 1.0pt 0in"> <p class="MsoNoSpacing" align="center" style="text-align:center;line-height:115%; border:none;mso-border-bottom-alt:solid windowtext 1.5pt;padding:0in; mso-padding-alt:0in 0in 1.0pt 0in"><b><span lang="EN-GB" style="font-size:10.0pt;line-height:115%;font-family:"Book Antiqua","serif"">SUIT NO: </span></b><b><span style="font-size: 10.0pt;line-height:115%;font-family:"Book Antiqua","serif";mso-ansi-language: EN-US">CM/INS/0488/2016</span></b><span lang="EN-GB" style="font-size:10.0pt; line-height:115%;font-family:"Book Antiqua","serif""> </span><span lang="EN-GB" style="font-size: 10pt; line-height: 115%; font-family: "Book Antiqua", serif;">DATE: </span><span lang="EN-GB" style="font-size:10.0pt;line-height:115%;font-family:"Book Antiqua","serif"">26<sup>TH</sup> NOVEMBER, 2018</span><b><span style="font-size:10.0pt;line-height:115%;font-family:"Book Antiqua","serif"; mso-ansi-language:EN-US"><o:p></o:p></span></b></p> </div><p class="MsoNoSpacing" style="line-height:115%"><b><span lang="EN-GB" style="font-size:12.0pt;line-height:115%;font-family: "Book Antiqua","serif"">CORAM: <o:p></o:p></span></b></p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt; padding:0in 0in 1.0pt 0in"> <p class="MsoNoSpacing" style="line-height:115%;border:none;mso-border-bottom-alt: solid windowtext 1.5pt;padding:0in;mso-padding-alt:0in 0in 1.0pt 0in"><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua","serif"; mso-ansi-language:EN-US">HIS LORDSHIP, ERIC KYEI BAFFOUR, ESQ., JUSTICE OF THE HIGH COURT<o:p></o:p></span></p> </div><p class="MsoNoSpacing" style="line-height:115%"><b><span lang="EN-GB" style="font-size:12.0pt;line-height:115%;font-family: "Book Antiqua","serif""><o:p> </o:p></span></b></p><div style="mso-element:para-border-div;border:none;border-bottom:solid windowtext 1.5pt; padding:0in 0in 1.0pt 0in"> <p class="MsoNoSpacing" align="center" style="text-align:center;line-height:115%; border:none;mso-border-bottom-alt:solid windowtext 1.5pt;padding:0in; mso-padding-alt:0in 0in 1.0pt 0in"><b><span lang="EN-GB" style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua","serif"">JUDGMENT<o:p></o:p></span></b></p> </div><p class="MsoNormal" style="line-height:115%"><span style="font-size:12.0pt; line-height:115%;font-family:"Book Antiqua","serif";mso-ansi-language:EN-US">Plaintiff claim against the Defendant in the writ of summons the following:<o:p></o:p></span></p><p class="MsoNormal" style="line-height:115%"><span style="font-size:12.0pt; line-height:115%;font-family:"Book Antiqua","serif";mso-ansi-language:EN-US"><o:p> </o:p></span></p><p class="MsoNormal" style="margin-left:.75in;text-align:justify;text-indent: -.5in;line-height:115%;mso-list:l0 level1 lfo1"><!--[if !supportLists]--><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua","serif"; mso-fareast-font-family:"Book Antiqua";mso-bidi-font-family:"Book Antiqua"; mso-ansi-language:EN-US">i.<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: "Times New Roman";"> </span></span><!--[endif]--><span style="font-size:12.0pt;line-height:115%; font-family:"Book Antiqua","serif";mso-ansi-language:EN-US">An order directed at the Defendant to pay to the Plaintiff the revised total sum insured for the policy No C/1001/1007/009999/11/25 being the total sum of Gh¢341.500.<o:p></o:p></span></p><p class="MsoNormal" style="margin-left:.75in;text-align:justify;text-indent: -.5in;line-height:115%;mso-list:l0 level1 lfo1"><!--[if !supportLists]--><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua","serif"; mso-fareast-font-family:"Book Antiqua";mso-bidi-font-family:"Book Antiqua"; mso-ansi-language:EN-US">ii.<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: "Times New Roman";"> </span></span><!--[endif]--><span style="font-size:12.0pt;line-height:115%; font-family:"Book Antiqua","serif";mso-ansi-language:EN-US">Special damages for the cost incurred by the Plaintiff on account of the breach of the said policy by the Defendant or alternatively general damages for breach of the policy.<o:p></o:p></span></p><p class="MsoNormal" style="margin-left:.75in;text-align:justify;text-indent: -.5in;line-height:115%;mso-list:l0 level1 lfo1"><!--[if !supportLists]--><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua","serif"; mso-fareast-font-family:"Book Antiqua";mso-bidi-font-family:"Book Antiqua"; mso-ansi-language:EN-US">iii.<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: "Times New Roman";"> </span></span><!--[endif]--><span style="font-size:12.0pt;line-height:115%; font-family:"Book Antiqua","serif";mso-ansi-language:EN-US">Interest on the said amounts in (i) and (ii) above from the 4<sup>th</sup> day of June, 2015 till date of final payment<o:p></o:p></span></p><p class="MsoNormal" style="margin-left:.75in;text-align:justify;text-indent: -.5in;line-height:115%;mso-list:l0 level1 lfo1"><!--[if !supportLists]--><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua","serif"; mso-fareast-font-family:"Book Antiqua";mso-bidi-font-family:"Book Antiqua"; mso-ansi-language:EN-US">iv.<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: "Times New Roman";"> </span></span><!--[endif]--><span style="font-size:12.0pt;line-height:115%; font-family:"Book Antiqua","serif";mso-ansi-language:EN-US">Costs of this legal action.<o:p></o:p></span></p><p class="MsoNormal" style="margin-left:.75in;text-align:justify;line-height: 115%"><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua","serif"; mso-ansi-language:EN-US"><o:p> </o:p></span></p><p class="MsoNormal" style="text-align:justify;line-height:115%"><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua","serif"; mso-ansi-language:EN-US">Plaintiff situate its claim based on an insurance policy for an all risk cover where it notes that in consideration of a premium of Gh¢882.22 paid from November 2014 till the 6<sup>th</sup> of November, 2015, insured with the Defendant all its items that might be damaged from accidental destruction. To Plaintiff the items insured and specified in the policy was revised to an amount of Gh¢341,500 and so was the premium payable. That due to the notorious flooding of Accra on the 3<sup>rd</sup> of June, 2015, its properties were damaged in the said flooding and duly notified Defendant of the occurrence of the event which entitled it to claim indemnity whereupon Defendant dispatched its officers to the premises of Plaintiff to assess the extent of damage. <o:p></o:p></span></p><p class="MsoNormal" style="text-align:justify;line-height:115%"><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua","serif"; mso-ansi-language:EN-US"><o:p> </o:p></span></p><p class="MsoNormal" style="text-align:justify;line-height:115%"><span style="font-size:12.0pt;line-height:115%;font-family:"Book Antiqua","serif"; mso-ansi-language:EN-US">Defendant according to Plaintiff was further provided with documents on the damaged property but has not shown good faith by refusing to pay Plaintiff the insured value of the property damaged. Plaintiff avers that Defendant demanded for more documents when its lawyers wrote to Defendant and this to Plaintiff was a delay tactics adopted by Defendant from settling its debt. Plaintiff then proceeded to particularize its loss in terms of machinery that needed replacement and whose non replacement caused Gh¢12,200 daily loss, payment of Gh¢320,000 to its workers for no work done