The policies of the Manhattan Insurance Company and of the Greenwich Insurance Company each describe the property insured as a “ stock of dry goods and other merchandise hazardous and extra hazardous, his own or held by him in trust or on commission, or sold but not delivered, contained in the frame building known as Hunt Building, situate on Main Street in Northampton, as per plan.” The policy of the Market Insurance Company contains substantially the same description except that there is no reference to a plan. At the time the policies were issued, the main floor of the building was divided into three stories, as shown on the plan, and the plaintiff occupied the west store, the others being occupied by other persons. The building was wholly consumed by fire on May 19, 1870. At the time of the fire, the plaintiff occupied the whole of the main floor, having removed the partition between the west and middle store,' and opened doors into the east store. The defendants contend that the policies covered the goods contained in the west store only. It was not shown or claimed that the removal of the goods by the plaintiff increased the risk, and we are of opinion that this case is not distinguishable in principle from the case of West v. Old Colony Insurance Co. 9 Allen, 316. The words of the policies in suit include all the three stores, and there is nothing in them to indicate that the plaintiff occupied or intended to occupy only one of them, or that the intention of the parties was to limit the risk to goods contained in the store then in fact occupied by him. The reference -to the plan was for the purpose of showing the situation of the building in relation to other buildings. The ruling that the plaintiff was entitled to recover for all loss of or injury to goods, in any part of the buildng, was correct.
Before passing upon the exception to the ruling admitting the auditor’s report, the court desire a further argument upon the fuestions, 1st. Whether the auditor exceeded his authority in the manner in which he has stated the case; and 2d. Whether *328the objections to the*report could be first taken at the trial, ol should have been taken by a previous motion to recommit.
Further argument ordered.
The case was accordingly reargued upon these questions at September term 1873.
A. L. Soule, for the defendants.
M. P. Knowlton, (G. M. Stearns with him,) for the plaintiff.
Gray, C. J.The bill of exceptions presents important questions of practice, which have been fully and ably argued, as to the powers of auditors appointed in actions at law, and the method of dealing with their reports when returned into court.
The Rev. Sts. c. 96, §§ 25, 30, (substantially reenacting the St. of 1817, c. 142,) provided that when in any action it should appear that an investigation of accounts and examination of vouchers was required, the court might appoint one or more auditors to hear the parties, examine their vouchers and evidence, state the accounts between them, and make report thereof to the court; and that such report, if there should be no legal objection to it, might be used as evidence to the jury, subject to be impeached by evidence produced by either party on the trial. An auditor so appointed was authorized to hear and determine all matters of fact involved in the issue so referred to him. Locke v. Bennett, 7 Cush. 445.
But in Whitwell v. Willard, 1 Met. 216, it was held by a majority of the court that an action of tort, the trial of which would not require an investigation of accounts or an examination of vouchers, although it would require the introduction of a great mass of evidence in detail before the jury, could not be referred to an auditor. The St. of 1856, c. 202, provided that in any action, whether of contract, tort or replevin, the court might appoint auditors to hear the parties and report upon such matters as might be directed by the court, and their report should be primd facie evidence upon those matters only The purpose of this statute was to enlarge the class of cases which might be referred to auditors, not to affect in any way the extent of their authority with regard to the matters submitted to *329them. Quimby v. Cook, 10 Allen, 32. Section 46 of c. 121 of the Gen. Sts. is a condensed reenactment of the earlier statutes.
An auditor’s report is not governed by all the rules regulating the admission of ordinary evidence offered by either party. It is the report of an officer appointed by the court under authority of the statute. It is made by the statute primé facie evidence, and primé facie evidence only, upon such matters as are referred to the auditor. It does not, technically speaking, change the burden of proof. Morgan v. Morse, 13 Gray, 150. The object of the statute is to simplify and elucidate the trial of those matters, and is not to be defeated or evaded at the election of either or both parties. If the plaintiff relies on the auditor’s report at all, he may be required to read the whole of it; but the part which is unfavorable, as well as that which is favorable to him, is only primé facie evidence. Fogg v. Farr, 16 Gray, 396. As the court may refer a case to an auditor without, or even against, the consent of the parties, it may require his report to be read at the trial, although neither party desires it. Clark v. Fletcher, 1 Allen, 53.
An auditor is not limited in his report to a naked summary of the facts found or of the account between the parties, but may at his discretion include in it a narrative of the circumstances of the case, and a statement of the evidence given before him and of his reasons for his conclusions ; such a statement may be considered by the jury; and the respect which they should pay to his report may be affected by the manner in which he appears to have performed his duty. When the statute makes the report primé facie evidence, it does not establish an invariable measure of the degree of confidence with which the jury shall receive the auditor’s report. It merely gives the party, in whose favor the auditor reports, the benefit of his finding in the first instance, and declares it to be sufficient to support the claim or defence, unless in the opinion of the jury it is overcome by other evidence. But, in determining whether it has been so overcome, the jury may take into consideration the manner in which the auditor appears by the report itself to have performed his duty, as well as any other competent evidence introduced at the trial upon the matters referred to the auditor and reported upon by him.
*330In Commonwealth v. Cambridge, 4 Met. 35, which was a suit against a town to recover back money overpaid for the support of state paupers, Mr. Justice Wilde said: “Nor can we admit that the auditor has exceeded his authority, as the attorney general contends, by estimating the value of the paupers’ labor. The auditor was directed to state the accounts, and report the same to the court. To do this, it was necessary to ascertain the value of the paupers’ labor. The auditor’s judgment is not conclusive ; it may be impeached by the evidence reported, and by other evidence, and it may be controlled by the jury. But his judgment is entitled to great respect, for he appears to have examined the subject most thoroughly. The witnesses best acquainted with the ability of the paupers to labor and the labor they actually performed were examined, and every other source of information was resorted to, which could »be expected to aid him in forming a correct judgment. The evidence, and the reasons of his opinion, are reported; so that the jury had ample means to correct the auditor’s judgment.”
In Jones v. Stevens, 5 Met. 373, it was said by Mr. Justice Hubbard, and decided by the court, that “ where the evidence offered bears directly or incidentally on the matters of account, there the auditor is called upon to examine it, and may state it, if he thinks it necessary to render his report intelligible; though he is not required, as a matter of course, to detail the testimony at length.”
In Taunton Iron Co. v. Richmond, 8 Met. 434, Chief Justice Shaw said: “ The report of an auditor is primd fade evidence for the party in whose favor it is made, in regard to any item ; subject to the reconsideration of the jury, either upon the evidence contained in the report, or upon any other counteracting evidence; and this rule is not changed by the fact that the auditor, at the request of either party, or otherwise, has reported the evidence from which he drew his conclusions.”
The very object of appointing auditors, as stated by Chief Justice Bigelow in Clark v. Fletcher, 1 Allen, 53, is “ that a preliminary investigation should be had under the authority of the court by means of which the precise points in controversy can be ascer*331tained, and the evidence hearing on them stated in a clear and condensed form, so that a jury may be able intelligibly to pass upon the issues with facility and without unnecessary loss of time.”
The auditor’s report is the only form in which he can be permitted to state what took place before him, and he cannot be called as a witness for the purpose of adding to or controlling it. But a party dissatisfied with the report may, in order to affect its weight, prove by a witness, whom he calls at the trial, that he did not testify before the auditor. Kendall v. Weaver, 1 Allen, 277. Monk v. Beal, 2 Allen, 585. Packard v. Reynolds, 100 Mass. 153.
In Lincoln v. Taunton Copper Co. 9 Allen, 181, in which the order of reference was to three auditors, and it was held that the report of one who dissented from the others could not be read to the jury, but that only the report of the majority was admissible as primá facie evidence, Mr. Justice Dewey said: “ The fact will always appear from the report itself that it had not the concurrence of all the auditors.”
The finding of an auditor upon a matter not embraced in the reference to him should be stricken out by the court at the trial, or the jury instructed to disregard it. Jones v. Stevens, 5 Met. 373. Snowling v. Plummer Granite Co. 108 Mass. 100. If the auditor reports the facts on which his conclusions are founded, and these facts are not sufficient in law to support the conclusions, the court should instruct the jury accordingly ; and such instructions, being upon a pure question of law, may be revised by bill of exceptions. Ropes v. Lane, 9 Allen, 502. Morrill v. Keyes, 14 Allen, 222.
But the court may for any sufficient cause recommit the report to the same or another auditor for revision. Rev. Sts. c. 96, § 29. Gen. Sts. c. 121, § 49. An objection to the form of the report, to the fulness or manner in which the auditor has stated the evidence or the reasons by which he has been influenced, or to the qualifications of witnesses testifying before him, should be raised by motion to recommit the report for amendment before the trial. Allen v. Hawks, 11 Pick. 359. Jones v. Stevens, 5 *332Met. 373. Leathe v. Bullard, 8 Gray, 545. Kendall v. May, 10 Allen, 59. And the ruling upon such a motion, at least when first made during the trial, is not a subject of exception. Kendall v. Weaver, 1 Allen, 277. Packard v. Reynolds, 100 Mass. 153.
In Allen v. Hawks, 11 Pick. 359, Chief Justice Shaw said: “It is no doubt competent for the court in the first instance to decide upon the acceptance of the report, upon exceptions or otherwise. It is for the court to determine whether the auditors have pursued their authority and completed their duty, and conducted honestly and correctly, and to accept, reject or recommit the report.”
In Jones v. Stevens, 5 Met. 373, which was an action for work and labor performed for the defendant, one ground of defence was that the work was done by the plaintiff and another person as partners; both parties introduced evidence before the auditor upon the question of partnership, and his report stated his conclusion upon that question and the facts on which it was based; objection was taken on this ground to the admission of the repon in evidence at the trial, and overruled by the presiding judge; his instructions, as understood by this court, were “ that the facts, as stated in that part of the report, so far made a part of it, that they might be read to the jury; but that the opinion formed by the auditor upon those facts, in relation to the partnership, should be excluded from their consideration; ” and this court held that, although the auditor was not required to determine the question of partnership, yet the course adopted by the judge, “ in rejecting the conclusions drawn by the auditor, while he retained the facts upon which the conclusions were formed, was within the exercise of his discretion, and that his decision in this respect was not erroneous.”
In Leathe v. Bullard, 8 Gray, 545, it was held that, at the argument in this court on a bill of exceptions, the competency of evidence introduced before the auditor could not be objected to by a party who had neither moved to have the report recommitted to the auditor, nor to have the objectionable parts stricken out, in the court below; and the court had no occasion to consider whether a *333motion to strike out at the trial would have been a matter of right when no motion to recommit had been made.
In Kendall v. May, 10 Allen, 59, it was held that evidence of the insanity of a witness, who had been allowed by the auditor to testify before him, could only be introduced upon a motion to recommit the report, and that the judge was not obliged to entertain such a motion after the trial had begun; and the inconvenience of correcting the auditor’s report, on account of any error of fact or of law, pending the trial before the jury, was forcibly pointed out.
The objections, made at the argument upon this bill of exceptions, to the report of the auditor, to whom had been referred several actions upon policies of insurance issued by the defendants to the plaintiff on the same risk, were that the auditor stated the amount claimed by the plaintiff and the manner in which it was calculated, the whole amount of the loss as .found by the auditor, the testimony of several witnesses, and the considerations which affected its weight in the auditor’s mind; and that the sum Which he found the plaintiff to be entitled to recover was an “ estimate, not entirely satisfactory to ” the auditor, and “ probably covering the amount of the goods actually consumed by fire.” As to these statements, and particularly the last one, it was argued, on the one side, that the tendency would be to produce an impression upon the jury that the loss sustained by the plaintiff was at least equal to the sum reported by the auditor, and might have been more; and on the other, that if the auditor was not fully satisfied of the correctness of his conclusions, it was his duty, or at least within his discretion, so to state in his report, in order that the jury might be informed more exactly of the result of his deliberations upon the case, and be better enabled to judge of the weight to which, when compared with the other evidence introduced before them, his conclusion was really entitled.
We are of opinion that these considerations were proper to be submitted to the court below, in the first instance, upon a motion, before the trial, to recommit the report to the auditor ; and that when, as in the present case, no such motion was made, but the report was objected to for the first time when offered in evidence, *334and when the bill of exceptions states that the court gave proper instructions to the jury as to the use and effect as evidence of the auditor’s report, the ruling of the presiding judge, refusing to strike out any part of the report, and allowing the whole to be read to the jury, does not entitle the defendants to a new trial.
Exceptions overruled.