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KATHERINE FOY, Respondent, v. D.B. FRAME SHOP, LTD., et al., Defendants, and CHUBB GROUP OF INSURANCE COMPANIES et al., Appellants.

The policy on which plaintiff sues does not define the meaning of "loss" as used in the clause requiring the insured to immediately notify the insurer of "a loss this policy may cover", and, in the absence of such a definition, it cannot be said as a matter of law that plaintiff was required to give such notice to defendant when she was first advised by defendant frame shop that the work of art in question was missing, but was being searched for. In addition, we agree with the IAS Court that an issue of fact exists as to when plaintiff first knew, or should have known, that the work of art was not just missing but lost.

Concur — Murphy, P.J., Rosenberger, Ellerin, Rubin and Nardelli, JJ.

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FOY v. D.B. FRAME SHOP, LTD
(Dec 22, 1994)