IVFMD FLORIDA, INC. v. ALLIED Property and Casualty Insurance Company

Filing 11

ORDER Granting 7 Motion for Summary Judgment. Signed by Senior Judge James Lawrence King on 6/22/2016. (jw)

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UNI TED STATES DI STRI CO URT CT SO UTH ERN DI STR I O F FLORI A CT D M I IDI SI AM VI ON CA SE N O .1 211 C1 - I G 5- 75- V K N I FM D FLO RI A ,m C . V D , Pl nt f , ai i f ALLI PROPERTY AND CA SUALTY ED I SU R AN C E C O M PA N Y , N De endant f . / O RD ER G R AN T I G M O TI N FO R SU M M A RY JU D G M EN T N O THI M ATTER c esbef e t Cour upon D e endantALLI PROPERTY S om or he t f ED AND CASUALTY F NSURANCE COM PANY' (k 1e ' M o in f rS S ( id' to o umma yJ g n Al ) r ud me t a dl c r o ae M e r n m o La ( 7 ,fld M a 2 201 1 an ifI n n o p r td mo a du f w DE ) ie y , 6. Pl itf VFMD FLORI I (iVFM D' ha f ie t tl a y r s ns t t m oi n, ndt tmet do DA,NC.k l ' s ald o 5e n e po e o he to a he i o ) s ha pas ed. o s s BA C K G R O U N D Bas d on Pl ntf sf l et com pl wih Rul 56 oft Fe alRul ofCi l e ai if aiur o y t e he der es vi Pr dur Pl ntf sf l et c pl w ih Rul 56. oft Loca Rul f t Sout r oce e, ai if aiur o om y t e 1 he l es or he he n Diti ofFl i ,a ar viw oft f ct a e dence lsed i Def nda ' moton f srct orda nd e e he a s nd vi it n e nts i or s ayj d me ta sae n ofmaeilf cs t f lo n mae il a t a e umm r u g n nd tt me t tra a t,he o lwig tra f cs r undiput d' s e. 1TheCour hasa tonaly c i edDef t ddii l onsder endantsStt ntofM aera Fa t ( 8) ' aeme t il cs DE fl d M a 2,201 and Def nda ' Notc ofFii Exhi t i Suppor ofSt t m e of ie y 6, e nts i e lng bis n t a e nt maeralFa t ( 9) fl J 21,201 t i cs DE , ied une 6. A lid i ac por ton or ni d unde t l ofI le s or a i ga ze r he aws owa,wih isprnc palplce of t t i i a busnes i I i s n owa,a Ali d i a horz t do bus nes i Fl i I nd le s ut i ed o i s n orda. VFM D i a Fl i s orda cor a i wih isprnei plee ofbusnes i Fl i por ton t t i pal a i s n orda. On ora boutSe embe 1 201 Ali i s d a i ur ncepolc t I pt r 5, 3, led s ue n ns a iy o VFM D . Durng t polcy perod,I i he i i VFM D s f r a l sf whi i s uf e ed os or eh t oughtcove age undert r he pole On M a l 201 Ali de e c r geunde t polc On Dec iy. y 3, 4, led nid ove a r he iy. embe l 201 , r 2, 4 I VFM D fl s tagai talid i t Cic tCour oft 11 h J c a Cie ti a f ied ui ns le n he r ui t he t udi i l r ui n nd or M im iDa Count Fl i f br ch ofc r e ,ba ed upon A li s de alofc r . a - de y orda or ea onta t s led' ni ove age I D' Co an ( 1 2 i t a o -t e a o alg sacam f rb e c o VFM S mplit DE - ) n he b ve syld din le e li o r a h f conta , s upon Ali sf l e t def nd a i r d ba ed lcd' aiur o e nd ndem niy I f VFM D i a unde l ng n n ryi e u trui f rde lrt l j g n fldb aTe sc r o ain a ans wh c I o n es t o ea ao' ud me t ie y xa o p r to g i t ih VFMD h d y a pr ousy fld el m sf tade a k i rngem e ,diuton,a r a e c us ofac i . evi l ie ai or r m r nf i nt l i nd el t d a es ton Ali r m ovedt i t ntac i fom Fl i c r ui c tt t sCour on t ba i of led e he ns a ton r orda ic t our o hi t he ss di r iy ofciiens p oft pa te a an am ounti contove s i e es of$75, 2 ve st tz hi he ri s nd -n- r r y n xc s 000. Alid n w s e s ayj dg n o I D' Co li t a g i gt a t epo iy le o e ks umm r u me t n VFM S mp an , r u n h t h lc a is doesnota f d c r f t l ss f ed by I FM D . t s ue f or ove age or he os ufer V Thet r soft polc a e em he i y r no i d s ut. ep iy c vesk odl ij r 'k r o a ij r ' a dk ro lo t n ip e Th ol o r k iy nu y, i s n l nu y, n i s na r c b ' pe ' pe a v rii g ij y' s do a S c u r n e'Thepo iy d fn sa k c u r nc 'a d n d e tsn nur 'ba e n n k c re c . o ' lc ei e n s c re e' s k o a a i nt i udi contnuousorr peaed expos e t s t nta l t s ege r cc de , nel ng i e t ur o ubs a i ly he am ne al ha m f condii . r ul tons ' ' 2The cii ens p oft pa tes i noti di put , and I tz hi he r i s n s e VFM D adm it t ti i s eki i ted ha t s e ng n e es of$75, i t ss tagai tAli d. DE 1 6. xc s 000 n hi ui ns le See 2 L EG A L STA N D A R D i mma' j d n i a pr p it wh r t ep e d n sa d s p tn mae il t su l u gme t s p o rae e e h la i g n up orig tras y esa ih t tt r i no ge ne is ast a m a e i f ta t tt m ovi pary i t bls ha he e s nui s ue o ny t ral a nd ha he ng t s e tte t j d n a amatro lw. Ceotx Cop. .Catet 47 U. 31 , 2 ( 98 ) n ild o u gme t s te f a ' l e r v r t, 7 S. 7 3 2 1 6 ; ' Fe . Ci P. 6() Su r j g n S sp o e l r g r e n a ad sa rd d R. v. 5 a . mmay ud me t ' r p ry e a d d ot s ifvo e i pr edur s t ,butr t ra an i egr pa4oft Feder Rul asawhol ,whi a e oc al horcut ahe s nt al l he al es e ch r d sg e t s c r t ej t s e ygla i x nsv d tr nai ofe r a to 'Pa ev e in d o e u e h us, pe d , nd ne pe ie ee mi ton vey cin. c . ' Ca b a c , 3F. 1 5 1 8 ( 1hCi. 0 . mmayj d me ti a p o raeune s po i n o 28 3d 27 , 2 4 1 t r 20 2) Su r u g n s p r p it ls t r i agenui is off tf tilAge v Pore 21 F.App' 837,840 ( 1hCi. hee s ne s ue ac or ra. e . tr, 6 x 1t r 2007) kForf cualis t bec i edgenui t y mus ha ar bassi t .d a t sues o onsder ne,he t ve eal i n he r c r 'M iev Jf e s n C/ S#. fEd c, 3 F.d 7 9, 4 ( lh Ci.1 6 . no o ig a e o d. z . efr o ' ' / o u .9 3 3 7 2 1 t r 99 ) l pp sn y moi nf rs mmayj dg n, h n nmo i gpa t i s s w s cfcfcst s p r to o u r u me tt e o v n ry k t ho pe ii a t o u po t mu t t h r i ag nuned s u e'And r o v Li ry Lob y,I c, 7 U. 2 , 48( 9 6 . ha t e e s e i ip t . ' e s n . be t b n .47 S. 42 2 1 8 ) Thenonm ovi pa t m a notr y on t pl adi ,butr t rm us dem onsr t a genui ng ry y el he e ngs a he t ta e ne is f ti lt ough afi vis de ii ,i en- t y a w e s a adm isons Cel e s ue or ra hr fda t, postons nt oga or ns r , nd s i . ot x, 477 U . 323- Thee se e ofaSm e e s ntla'ofevi nc i s S. 24. xit nc k r ci il ' de e n uppor oft t he nonm ovi pa t sposton i i ufi i nt t e mus be evi nc on whih t fnderoff c ng ry' ii s ns fc e ; her t de e c he i at c d r as bl fnd f t m ovi pa t N at' Cas Co.v.Pi ns,582 F.A pp' 839, oul e ona y i or he ng r y. 1 . cke x 8 0 41( lh Ci. 01 )( u tn Wale v Da b 91 F. 1 7 1 77( 1h Ci.1 90 ) 4 - 1 t r 2 4 q o ig k r . r y, 1 2d 5 3, 5 l t r 9 ). DI SCU SSI N O G i Pl ntf s f l e t com pl w ih R ul 56 oft Feder Rul ofC i l ven ai i f aiur o y t e he al es vi Pr edur and R ul 56. oft LocalRul f t Sout n D i t i ofFl i a a r vi w oc e e 1 he es or he her s r ct or da, nd e e ofDef nda ' sat m e ofm a e i f t ,whi h t under i e nts t e nt t ral ac s c he sgned fndst bes i o uppore by td t e denc t unde si he vi e, he r gned cons de sDe e ntsm a e i lf ct t beundiput d. e i r f nda ' t r a a s o s e Se Fe . Ci P. 6 e ( ) S. Fl. R. .( . o e e ,heu e sgn dfn spes a ie d R. v. 5 ( )2 , D. a L. 56 1b) M r ov r t nd ri e id ru sv ' a da o t De e a tslg l r u n si s pp r ofismo in f rs mma yj d me t n d p s fnd n ' e a a g me t n u o t t to o u r u g n, whih sa unr buted by Pl ntf.l isonec t nd e t ai if n t countCompl ntf br ac ofc r t ai or e h ontac , Pl i ifale t tDef nda i i br ch ofa i ur nc polc is d by Def nda t antf lges ha e nt s n ea n ns a e i y s ue e nt o Pl i if Pli ifcl i st tDef ndantwr antf . a ntf am ha e ongf l de ed Pl i ifa def ns a i uly ni a ntf e e nd ndemniy t f a a ton fl d agai tPli if H owe r t ac i f whih Pl ntf s or n c i ie ns a ntf . ve , he ton or c ai if oughtdef ns e e and i ndemniy wasacount s tf declr ton ofnon-nfi m entoftade ar fl d t er ui or a ai i rnge r m k ie agai tPl ntf i r pons t a ac i i tat by Pl i iff tade ar i rnge e , ns ai if n es e o n ton nii ed antf or r m k nfi m nt di to a o h rr ltd c u e ofa to Se DE 8 a ! 11 1 , 14. ep iyun e l in, nd t e e ae a s s c in. e u t ! - 4. DE - Th ol c dr whi h Pl ntf s ekscover gepl nl doesnota f d c r unde t s cicum sa es c ai if e a ai y f or ove age r he e r t nc . S eDE 8a ! 1 . e e o e s mmayj d me ts a l ee e e i fv rofDe e da t e t 6 Th r f r , u r u g n h l b ntr d n a o fn n Ali and agai tPl ntf I led ns ai if VFM D . C O N C LU SI N O The e or ,i i O RDERED,ADJUDG ED,and D ECREED t tDef rf e ts ha endantA LLI ED PRO PERTY AN D CA SU A LTY I SU R AN CE CO M PA N Y ' M ot on f Sum m ar N S i or y J udgme and l por t M emor ndum ofLaw ( 7)be a t s mei,her nt ncor aed a DE , nd he a s eby G RANTED . s r t Or ,t Cour s le e Fi J By epa a e der he t hal nt r nal udgm e on be fofDef nda nt hal e nt a a i tPli if nd gans a ntf . DONE AND O RDER ED i Cha be s at t Si y M .Ar n m r he dne onoviz Unied St t t t aes Courhous ,K e W es,Fl i t s22nd da ofJ ,2016. t e y t orda, hi y une - I ES LA AM NcE KI G x / ' VNI D S ATESDITRI J GE TE T S CT U SOUTHERN DI STRI OF FL CT C c: A I couns lof r or I e ec d 5 DA

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