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Cannell v. State Farm Fire & Casualty Co.

FEBRUARY 14, 1975.




APPEAL from the Circuit Court of Winnebago County; the Hon. JOHN S. GHENT, JR., Judge, presiding.


The plaintiff recovered a judgment on a jury verdict in the amount of $4,760.70 for damage to corn crops alleged to have occurred as the result of a hailstorm within the policy of insurance issued by defendant. Defendant appeals, claiming that the verdict was contrary to the manifest weight of the evidence and that the damage award was not based on the evidence.

A policy of crop hail insurance covered plots of 122 acres, 80 acres and 53 acres, respectively. Plaintiff planted corn on the three plots in the latter part of April and through the first week in May of 1971. Four well-known hybrid seeds were used, and the land was properly fertilized with nitrogen, phosphorous and potash. A severe hailstorm struck plaintiff's farm as well as other areas in the vicinity on June 1, 1971. On June 2 or 3, defendant's agents examined the 122-acre field and concluded that the corn was in the three-leaf stage and that it was too early to determine damage. On June 24, 1971, defendant's agents examined a 15-acre area on the 53-acre plot and determined that there was a 7% loss. Plaintiff signed an agreement accepting $105 for the loss. The agreement had indicated that there was no loss on the other acreage, but plaintiff testified that this was not discussed and that he did not read the agreement.

Plaintiff testified that after he had picked 68 acres from the 122-acre plot he noticed something wrong. He said that the yield was not bad at first when he was getting about 60 bushels to an acre, but that it diminished to 30 bushels and less in other parts of the plot. He notified defendant, who sent agents who looked over the field and then returned with Dr. Rodney Fink, professor of Agronomy at Western Illinois University, who conducted a further examination. Dr. Fink concluded that there was no evidence of crop damage due to hail, and defendant refused further compensation.

At trial the plaintiff offered the testimony of the superintendent of a golf course located several blocks away from portions of plaintiff's farms, who described the hailstorm as "devastating." Photographs of the hail and very heavy damage to the golf course were admitted into evidence and depicted hail almost the size of golf balls.

The plaintiff, who had been a farmer for all but 5 of his 66 years, testified that he observed his farms after the storm and noted that everything was "chewed up," that leaves were off trees and plants and that there were main breaks in the stems and the main stems of the leaves. There was testimony that at the time of the storm the crop on the 122-acre plot was approximately 4 weeks old and about 8-12 inches high in most parts and not less than 6 inches in a few other parts. On the 53 acres the crop was about the same height. And on the 80 acres, which had been planted last, the corn was up about 3 or 4 inches at the time of the storm. During the process of cultivating, plaintiff observed differences in the appearance of the corn in the different areas. He testified that he observed that corn on the 122-acre plot had not developed properly. Stalks had grown properly but did not get ears on them, only little nubs which did not develop into ears. He noticed a difference in yield between the 122-acre plot and the others. Ordinarily the average yield on the 53-acre plot should have been lower than on the 122-acre plot, but it was greater. There was testimony that the 122-acre plot (rated as 103 acres) had been classified by SAC of the Department of Agriculture as a 95-bushel-per-acre area while the 53 acres was rated as a 76-bushel-per-acre area.

Plaintiff testified that since the 53 acres and the 122 acres had been planted consecutively and with the same varieties of seed, and since the corn on both was about the same height when the hail struck, he ruled out farming error as the cause of the defective yield on the 122-acre plot. He noted that it was a good growing season and that there had been sufficient rainfall. He concluded, based on the weather conditions that year and his own observations, that the hailstorm of June 1, 1971, caused the defective growth, since he had eliminated everything else he could think of.

Russell Gayton, a neighboring farmer, testified that he saw plaintiff's crop about 6 or 8 weeks after the hailstorm and observed that it was full grown but peculiar. He said that some stalks were struggling to make an ear and that some had two or three little ears coming out of the same shank on the stalk. Although he did not testify as to the cause of the defective growth, he appeared to rule out poor fertilization, blight or insects as causes based on his observations. He also testified that as to weather and heat stress, it was a fairly normal year and that there had been a good yield generally through the area that year.

Another neighboring farmer, Edward Strathman, testified that he was raising a corn crop near plaintiff's farm which was also about 8 or 9 inches high when the hailstorm hit. He testified that there was extreme stripping of leaves and indentations in the ground with pot marks as much as 2 inches deep affecting the crops on his farm. He testified that the corn on his farm was planted with similar seed, fertilized in a similar fashion and grown on similar land as that of the plaintiff. At harvest time, the portion of his farm damaged by hail yielded approximately 30 bushels per acre less than the rest of his crop. He noted blank stalks without an ear and some with grotesque defective ears, giving a sort of three-finger appearance, similar to that observed on plaintiff's farm. He also testified that there had been no real heat stress and that it had been a very good growing season as to heat and rainfall. Accordingly, it was his conclusion based on his many years of farming experience and the consideration of other matters which affect the growing of corn that the ears of corn on the affected portion of his farm land did not properly develop because of the hailstorm.

An agent for the defendant testified that he visited plaintiff's farm immediately following the hailstorm and observed that the corn was then in the three-leaf stage of growth development. On cross-examination, a University of Iowa work was referred to in which it was stated that after 2 weeks of growth corn is generally at the four-leaf stage and after 3 weeks of growth, the six-leaf stage. The cross-examination was in reference to the plaintiff's testimony that his corn had been growing for 4 or 5 weeks when it was examined.

The crop-hail supervisor for the defendant testified that he visited plaintiff's farm during the harvest and observed that the field of corn was poor with numerous small ears that were not filled out. It was his opinion that observable defects in the corn were possibly the result of weather conditions, but not hail. He further testified that until the corn plant is 18 inches in height, the growing point of the corn is below the ground. On the assumption that plaintiff's corn at the time of the hailstorm was only in the three-leaf stage, he testified that the hail could not have been the cause of the defective condition noted at the harvest since hail would have no effect on corn at the three- or 4-leaf stage of development.

Dr. Fink, shown to be a well-qualified expert, testified that in October of 1971 he spent several hours examining the 122-acre plot and concluded that there was no indication of hail damage or bruises on the matured corn crop, part of which had been picked, although he conceded that bruising was difficult to detect at any point. He observed that the corn did not develop and concluded that no pollination had taken place or that it had aborted. He examined the soil and testified that it was a sandy loam with low moisture holding capacity which could have caused as much as a 50% decrease in yield.

He testified that hail would not affect corn plants in less than a six-leaf stage because the growing point is below the ground prior to that time and that after 5 or 6 weeks of growth, corn is only between the two and five-leaf stage. He gave his opinion that the hail did not account for the damage found on the 122-acre plot. He said:

"A. My conclusion is based on that there was no visual indication of hail damage. There was no defoliation. The stand was still adequate on the field and if there was any reduction it couldn't have been a reduction due to the hail on that particular field, ...

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