After a fire destroyed his apartment building, David Dookie sued his mortgage holder for not renewing the structure's fire-insurance policy. (Dookie claimed Astoria Federal Savings' failure or omission forced him to get "less favorable" coverage.)
When the Dutchess County Supreme Court threw out the guy's case, he appealed to the Appellate Division, Second Department, which noted that the bank hadn't been contractually obligated to maintain the insurance.
Not so ok Dookie.
To view a copy of the Appellate Division's decision, please use this link: Dookie v. Astoria Fed. Sav.