Arthur A. Johnson Corporation, Respondents v. Indemnity Insurance Company of North America, Appellant

Summary

The New York Court of Appeals affirmed the Appellate Division, holding that the two separate wall collapses caused by a heavy rainstorm constitute two distinct accidents under the insurance policy, making the insurer liable for each up to the policy limits. The Court rejected the insurer's reliance on proximate cause and adopted a common‑sense interpretation of "accident" as separate unexpected events.