Aspen Specialty Insurance Company v. River Oaks of Palm Beach Homeowner's Association, Inc.
Filing
124
ORDER granting in part and denying in part 35 Motion for Partial Summary Judgment; denying 49 Motion for Summary Judgment SEE ORDER FOR DETAILS Signed by Judge Donald M. Middlebrooks on 8/8/2012. (sw)
UNI
TED STATES DI
STRI CO URT
CT
SOUTH ERN DI
STRI OF FLORI
CT
DA
CASE NO .II CV - 38O- I
- 8I M DDLEBRO OKSY M NN ON
ASPEN SPECI TY I
ALI NSURANCE
CO M PAN Y ,
Pl i if
antf,
RI
VER OAKS OF PALM BEACH
HOM EOW NER' ASSOCI ON ,l C.
S
ATI
N ,
De e nt
f nda .
OM NI
BUS ORDER
THI CAUSE i be or t Cour upon Pli ifAs n Spe i ly l ur nc Com pa s
S
s f e he
t
antf pe
c at ns a e
ny'
(As n' Mo in f rSu r J d me t( 4 ) fld J n 4 2 2 a d Dee a tRi e
' pe ' to o mmay u g n DE 9 , ie u e , 01 , n fnd n v r
'
)
Oa Ho o e ' Asocain,I c',(lie Oa s' M oin f rP rilS mmay J d me t
ks me wn r s ito n . 'tv r k ' to o a t u r u g n
s
s '
)
a
( 3 ) fldJ n 1 201 .
DE 5 ,ie u e , 2
As n a s r l ln si u e,i i ae t i a t n s e ig a d caao yj d me ta t
pe , u pus ie ns rr nt td h s ci e kn e lrt r u g n s o
i
o
i rg tt rs id t c mmeca p o e t is r n ep lc (ç lc ' i is dt Rie Oa s
t ih o e cn he o r il r p ry n u a c o iy E iy' t sue o v r k ,
s
Po )
t i ur d,d t Ri rOakss al ge m ir pr e a i made durng t a i ai and t
he ns e ue o ve
' le d s e es nt tons
i he pplc ton
he
ca m i si a i pr es e Ale a i l i As n wasno en il t r s i t Polc i
li nve tg ton oc s s. t m tve y, f pe
t tted o e cnd he i y, t
s ksade a a i t tRi Oaksi pr cud fom s eki cove ag undert Polc be aus
ee
clr ton ha ver
s e l ed r e ng
r e
he iy c e
Ri rOa vi a e ce t n Polcy c tonsandbr a he isdute unde t Polc
ve ks olt d rai
i ondii
e c d t is
r he iy.
Boh Pat smo ef rs mma yj d me to t ef l wi c t s ( )c un o es e i g
t ri v o u r u g n n h ol ng omt: 1 o t n e k n
e
o
ad caaint a As e h dterg tt rs idt ePoiy p rua tt sc in6 7.0 4 )o te
e lrto h t p n a h ih o e cn h l u s n o e to 2 4 9 1 f h
c
Fl ia Stt es ( c
ord aut ; 2) ountt s e ng a de aaton t tAs n ha t rghtt r ci t
wo e ki
clr i ha pe d he i o es nd he
Polc d t Ri r Oa ' vi a i oft Polc s Conc l e ,M ir pr s n aton or Fr ud
iy ue o ve
kss olton
he iy'
eam nt se e e t i
a
pr son (ç a Pr son' whih Ri r Oa pur tdl vi ae by c ai o
ovii t ud ovii ), c ve ks pore y oltd
Fr
once lng r
mir pr s ntng m ae ilf t d i boh t a i ai n a t cli i tga i px e s s
se e e i
tra acs urng t he pplc to nd he a m nvesi ton oc s e ;
a d ( ) c u ttr es e ig ad caaint t v rOa i b re fo s e i c v r g u d r
n 3 o n h e e kn e lrto ha Rie ks s ar d r m e kng o e a e n e
tePoiyb c u eRie Oa sbra h dt ePoiysNo iep o iin(t tc P o so ' .
h l e a s v r k e c e h lc ' tc r vso ç ie r viin'
c
No
)
I vi ly,i t Cour detr i s As di notha t rg t r s nd t Polc
ndi dual f he
t e m ne pen d
ve he i ht o e ci he iy
a dRie Oa sscam i c vee t e t Poiy, p nmo e teCo r t d tr n ( )ta
n v r k ' li s o rd md r he l As e v s h u t o eemi e 1 h t
c
i i notr quied t r pl c al t wi
ts
e r o e a e l he ndows si ng gl s door ,a r s of t f t ni
, ldi
as
s nd oof
he ory- ne
P
)
b i i s(tr p ry', a d ( )ta Rie Oa c n o y cam lmie d ma e Tu nng t
ul ng I o e t' 1 n 2 h t v r ks a nl li i td n g s r i o
d
.
Rie Oa ' i dvd lag me t,Ri e Oa mo e frs mmayj d me to b t c uns
v r kss n iiua r u ns v r ks v s o u r u g n n 0 h o t
f a tn ofAs n' Co pl nt i whi h As s e a de a a i t tRi Oa i ba r
om nd e
pe s m ai , n c pen e ks
clr ton ha ver ks s red
fom s eki c r ge undert Polc bec us Ri r Oa br c d t Polc s Pos- s
r
e ng ove a
he iy a e ve ks ea he he i y'
tLos
Co d to p o iin (d s- s Pr v so ' a d b e c dt ePoiy' Le a Aci np o iin
n iins r vso d tLo s o iin' n ra he h lc s g l to r vso
po
)
(Le a Acin P o iin' rs e tv l.l is Re p n e t Rie Oa ss M oin f rPa t l
ç g l to r vso ), e p ciey n t s o s o v r k ' to o ri
d
a
Summ a y J
r udgme ,As n ag ee t dimis c
nt pe r d o s s ountt n,a co di y,Ri r Oaks i e il d t
e c r ngl
ve
s ntte o
j d me ta amatrof a o c u t e o As e sCo li t
u g n s te lw n o n tn f p n' mpan .
1 Bac ound
. kgr
On De embe 1 2011 As n,a s pl lnes i ur r i ta e t sdec a a o y a to
c
r 2,
, pe
ur us i ns e , niit d hi
lrtr cin
a ns Ri rOa ,is i ur d,s e ng a decar ton t ti ha t rghtt r s nd t Polc i
gai t ve ks t ns e e ki
l ai ha t d he i o e ci he iy t
is d t K ve Oaks or i i di notha t rghtt r s i t Polc t tRi rOa was
s ue o
r
, ,f t d
ve he i o e cnd he i y, ha ve ks
ba r d fom s ki co r e unde t Polc
re r ee ng ve ag
r he iy.
l Fe ua y of2005,Ri rOa a id f acommer i pr t i ur nc polcy wih
n br r
ve ks pple or
cal opery ns a e i
t
As n.( eDE 35-Atac nt4) I isa i to Ri rOa rpr enedt f l ng:( )
pe Se
t hme . n t pplcain, ve ks e es t he olowi 1
t ti t ls fveye r,i had nottld an cams a ( i t l tfveyeas no e nt
ha n he at i a s t
ie y li ; nd 2) n he as i
r, ve s
1ThePr ry i compos d off t eghtbuidi a a cubhous . ( o i De 3 2 - )
ope t s
e
ory- i
l ngs nd l
e Cr nn p. 2:225 .
o c re th t ma gv rs t (ut e cams'( mpan a ! 3 - 9;s e as DE 3 c ur d t a y ie ie o ftl ) li ' Co lit t ! 8 3 e lo
t
r
5
Ata h n 4 a 12 .Ho v r M o tn Le l ,t e i dvd a wh rn As e s Bah o m
tc me t t - ) we e , ro si h n iiu l o a p n' t r o
e
Re o ain Co te ,sae t a s ed eived 't cu h u ewa d ma e i 2 0 d rn
n v to mmite ttd h t h d l E l'he lb o s s n g d n 0 4 u ig
b e
Hu c n sF a c sa dJ n n . Le leDe . 3 3 25 1 ) Tofxt ed ma e i c t v rOa s
ni a e r n e n e n e ( si p 3 - 4: - 6 . i h n g ,t os Ri e k
b t e $ 00 0 a d $ 0,00 ( si De 3 1 2 ) Ad iin ly o Oco e 5 2 0 Rie
ewe n 6 ,0 n 8 0 . Le l p. 5:9-3 . dto al, n t b r , 0 4, v r
e
Oa sBoa d ofDiecor a e t a y f a l wih t Fe a Em e g y M a ge e
ks'
r
r t s gr ed o ppl or oan t he der l
r enc
na m nt
Ag n y(SEMA' t c v rce nu c ssfo Hu c ne Frnc sa J n n .Lik ma De
ec C
F
' o o e la -p o t r m ni a s a e nd e n e ( n s n p.
)
1 0 1 : -) Fi l i J n
4 - 4125 8 , nal n a ury t rug Se tmb r o 2 05 f u dfee t cu tr o
y,
h o h pe e f 0 , o r if rn lse s f
buidi i t Pr ry we e i e td wih tr t s a t t i owne swe e a s s d t pa
l ngs n he ope t r nf se t e mie , nd, he m t
r r s es e o y
f rtetr t d ma e ( o sDe a 4 - 9:3 1 )
o h emi a g .Th ma p. t 6 4 1 - 5 .
e
Ba e upon t r p e e ai ns s tf t i t a plcai n,As n is d t Polc t
sd
he e r s ntto e orh n he p i to
pe s ut he iy o
Ri rOa ,whih cove e t f ry- ne buidi l a e a 2331 S. .58t Ave
ve ks
c
r d he o t ni
l ngs oc t d t
7 W
h
nue,Boc
a
Rao , F o ia ($r pe t' , fo M ac 1 2 0 tr u h M a c 1 2 0 . ( e DE 3 t n l rd s o ry' r m rh , 0 5 h o g
P
)
rh , 0 6 S e
5
Ata h n 9 . W hl t ePoiy wa i e fc, n sc u e b Hu rc n W i d ma e t e
tc me t )
ie h l
c s n fe t wid a s d y ria e l a g d h
ma
Pr pe t On Ocobe 28,2005,Ri rOa fl d a notc ofl swih As n sa i t ti was
o ry.
t r
ve ks ie
ie os t pe ttng ha t
ma ng a cli f be is unde t Polc t cove t da a s t i durng Huni ane
ki
am or nett
r he iy o
r he m ge us aned i
c
W ima ( nel De 38 1 - 6 .As n hr d Cu tr I d p n e tAduses Ccu tr ' t
l . An il p. :0 1 ) pe ie sad n e e d n j tr ç sa d' o
o
l
i tgae t dn
nvesi t he mage and,afe Cusa d i pe t d t dn
,
tr t r ns c e he mage i detr ne t ti woul c t
, t e mi d ha t
d os
As e a prxi t l $ 80 0.0 t rpar t d ma e ( nilo De 3 - :- 4 .As n
p n p o maey 3 ,0 0 o e i he n g . An el p. 9407 1 ) pe
notfed Ri rOa ofisde e m i ton a sae t tt n oun oft dnmagedi notexc ed
ii
ve ks t t r na i nd t td ha he m t he
d
e
t Polc sde i e.AnniloDe 39:7- 8) Ri rOa wihdrw iscli andt matr
he iy' ductbl ( el p. 1 1 . ve ks t e t am
he te
wasc os d.
l e
3
I J y of2008,Ri Oa notfe As n t ti wan e As n t r - n isHuri ne
n ul
ver ks iid pe ha t t d pe o e ope t
rca
W ima cam.( ilo De 6 :7 2 ) Ho ve,i Se tmb rof2 08 a rp e e ttv o
l li Annel p. 6 1 - 4 . we r n pe e
0 , e r s naie f
Ri rOa sae t tRi rOa ' t oof had a e s t wi da a s a t tt n nt
ve ks t td ha ve kss t er
r
ss s ed he nd m ge nd ha he mou
t d t rp is a do rp a e n silfl b l w' lie Oa ss d d cil.( nel De .
o o he e ar n / r e lc me t tl el eo ' tv r k ' e u tb e An ilo p
717 1 ) Two y as ltr Ri r Oa hr d Un td S ae Adu tr ($ ' t i s e tt e
:- 9 .
e r ae, ve ks ie ie tt s j se s 1 ) o n p c h
US'
P o e t.Se DE 51 Ata h n 3 .
r p ry ( e
- tc me t )
I Augus of 201 US s
n
t
0,
ubmit a esi t of l s t As sa i t t Huni ane
ted n tma e
os o pen ttng ha
c
W ima c usd o e $ 5 mil n i d ma e .( nel De 7 :2 1 ) Lae ,US s b te a
l a e v r 7. li n n g s An ilo p. 3 1 - 8 . tr
o
u mitd
r vie esi t ofl scli ng t tHuri a W ima c us d o $1 5 m ilon i dn a s
e s d tma e os a mi ha
rc ne l a e ver 3. li n m ge .
( lz De 1 - 2 20 9 .On De e e 2 201 , p n s n Rie Oa salte if r n
Vee p. 25 1 6: - )
c mb r 2, 1 As e e t v r k etr n o mig
Ri rOa t i r s i d t Polc be us Ri rOa f le y r e e e i isa i a i
ve ks hat t e cnde he iy ca e ve ks a s l epr s nt d n t pplc ton
t tno cli oroc ure e t plc t tm a gi rs t a c am f rt prorfve yea s a
ha
am
c r nc ook a e ha y ve ie o l i o he i i
r nd
rfmd d Rie Oa s $ , 9 1 ,te P lc sp c a ep ie ( 3 - tc me t1a ! 6 )
et e v r k 20122 .6 h o iy' m h s rc . DE s Ata h n t 3 .
Addii l As fl t i tntd lr t y aci
tonaly, pen ied he nsa eca aor ton.
I .Le lSt
I ga andar
d
P ru n t Fe ea Rue o Ci i P o e u e 5 () a dsrc c u ts d cso t ga t
u s a t o d rl l f vl r c d r 6 c , itit o r' e iin o rn
s mmayj d me ti a p o raewh r 'h p e di s d po iin ,a west itro ao is
u r u g n s p r p it e e i e la ng , e sto s ns r o n er g tre ,
t
a a iso o fl ,t t rwih t afi vis i a s
nd dm s ins n e ogehe t he fda t , f ny, how t tt e i no genui is a
ha her s
ne s ue s
t a ymaeilfc a t ttemo ig p ry i e t ldt aj d me ta ama tro lw. Fe .
o n tra a t nd ha h vn a t s ni e o u g n s t f a ' d
t
e
'
R. v. 5 () Anis eo maeil a t sg nun wh r tee ie c i s c t t ra o a l
Ci P. 6 c . su f tra f c i e ie e e h vd n e s u h ha a e s n b e
j r c ud rtr av r iti f v ro te n n- vngpat S eM ie v Jfe s n CfyBd o
u y o l eu n ed c n a o f h o mo i ry. e z . efr o f . f
.
Educ,93F. 739,742( 1hCi.1 ( tngHaîsonv Gai svleSunPubl' Co. 9F.
.
3d
1 t r 996) quoi
r t . ne il
g , 3d
91 91 ( 1h Ci.1 :. diti c r' c nta i r whendeemi ng whet ri s d
3, 9 1 t r 993 A srct ou ts e r l nquiy
tr ni
he t houl
4
ga t a moi n f r s mma y j dg n i i ehe t e d nc p e e t a s f in
rn
to o u r u me t s ç t r he vie e r s n s u fce t
wh
d s ge me tt rq it s b sin t aj r o wh t t i i s o t sd d t ton p t mus
ia r e n o e ur u miso o u y r eh r t s o n -ie ha e m'
y t
pr vai as a ma tr oflw . Ande s v Li ry Lobb I . 477 U. 2 251 52,1 S.Ct
e l
te
a '
'
r on . be t
y, nc,
S. 42, 06
.
25 ,25 2,91 L.Ed.2 20 ( 9 6 .Afe te p ris h v h d a q ae tme t c n u t
05 1
d 2 1 8 ) tr h a t a e a de u t i o o d c
e
d so e ya d ap ry flsamoin frsl r j dg n , d src c u t s g a tsl r
ic v r n a t ie
to o t
mma y u me t a itit o r mu t r n l
mmay
j d me ta an tap ry wh f i t e tb iht ee se c o a ee n e s n ilt hi c s
u g n g is a t o al o sa ls h xitn e f n lme t se ta o s a e
s
t thebe r t bur n ofpr ofo d ngti l Cel e Cor v.Cate t 477 U . 31 322,1
ha
a s ht de
o n mi ra . otx p.
r t,
S. 7,
06
S. . 5 8 2 5 , L. 2d26 (9 6 .
Ct 2 4 , 5 2 91 Ed.
5 18 )
1 1 Di c s on
1 . s us i
1.Cou One
nt
I c mt one As n s e a de a aton t t i wa e il d t r ci t Polc
n ot
, pe e ks
clr i ha t s ntte o es nd he i y.
Specfc ly,As n c e t Polc wa voi ab i to bec us Ri r Oakss a i a i
ii a l
pe ont nds he iy s d
nii
a e ve
' pplc ton
c nan d a maeilmirp ee tto o fc .As e r l s u o s cin 6 74 9 1 o t
o ti e
tra se r s nain f a t p n ei p n e to 2 .0 ( ) f he
e
Flrda Stt es t s
oi
a ut o uppor is a gl e ;ho e r t s r la e i mipl c As Ri r Oa
t t r lm nt w ve , hi ei nc s s a ed.
ve
ks
p it o ti i Re p n e As n i a s usln s c rir( mpan a ! 1;a c r i l,
on s u n t s o s , pe s upl i e a re Co lit t ) c o dngy
s
scin 6 7.0 ( )i ia plc be be a e te p o e sauo y b ssf rd tr nng wh te
e to 2 4 9 1 s n p ia l c us h r p r ttt r a i o eemii
eh r
rs iso i p o ri Flrd ' S r l Li sLa Fl. tt j 6 691 -9 7. o iasSupls
e csin s r pe s o i as u pus ne w, a S a. j 2 . 3 .3 Flrd ' r u
Lie La rg ltss r u ln si s rr,l e As e ,i Flrd ,s e Fl.Stt j 6 691 4 )
n s w e u ae u pls ie n u e s i
k p n n o ia e a a. 2 . 3 1,
a d i p o ie t a 'ex e a ma b s e i al sae t a l t s ml l e is r r,h
n ,t r vd s h t' l c pt s y e p cfc ly ttd o ppy o u us i s n u es te
l
n
pr sons of c pt r 6 do not a y t s pl lne i ur nce a horz unde . ..t
ovii
ha e 27
ppl o ur us i s ns a
ut ied
r
he
Sur us Li s La 'See Fl Stt j 626. 34 .Seci 6 409( ) t s ton As n r i
pl ne w.
'
a. a.
91 4) ton 27. 1, he eci
pe eles
u
pon,does not s cii ly sae i a i t s pl lnes i ur r .I is Re pons t Ri r
pe fca l tt t pples o ur us i ns e s n t s
e o ve
Oa ' M oto f Pa talSummay J me ,As n c des t t scin 627. 1 i
kss in or ri
r udg nt pe once ha e to
4094 ) s
5
i pplc bl an ag ee t t 'he tr s oft ...Polcy' Conc l e , M i r pr ent ton or
na i a e d r s ha ' e m
t
he
i s
eam nt s e es a i
Fr ud pr son esa ih t sa r f r cison i t sc e.'( eDE 9 a 2 . c r igy,
a
ovii
t bls he t nda d or ts s i n hi as 'Se
0 t ) Ac o dn l
Rie Oa si e tte t j d me ta ama tro lw o c t o o As e ' Co lit
v r k s n ild o u g n s te f a n omt ne f p ns mp an .
J.Cou Fw/
nt
l co t As s e a d l ai n t tRi rOaksi bare fom r cove i isl s
n unt wo, pen e ks ecar to ha ve
s rd r e
rng t os
unde t Polc be us i was o i t d t co pl wih t Fr ud Pr son, whi h i a
r he iy ca e t
blga e o m y t he a
ovii
c s
c ii oft Polc Tht Fr ud Pr vii pr vi si pe tne pa tt tt Polc i ' d i
ondton ht iy.
a
o son o de n ri nt r ha he i y s '
voi n
a y c s o fa d b yo ,Rie Oa s)a i r ltst t sCo e a tPata a y t .ti as
n a e f r u y ul v r k , s t eae o hi v r g r t n i I s lo
me
voi i you orany ot i ur d,a a tme,i en i l co e orm ir pr e am aera f c
df
her ns e t ny i nt tonaly nc al
s e es nt
t il a t
c e i 1 Thi Cover ge Pa t 2.The Cover d Pr ry;3.Your i e es i t Cove e
onc m ng: . s
a
r;
e ope t
nt r t n he
rd
Pr p ry; r4 A cam u d rt i Co ea eP r. ( 35 Ata h n 9a 7 . rc n iei g
o e t o . li n e hs v r g a t' DE - tc me t t ) Ahe o sd rn
'
t Fr ud Pr vii lc ude t ti o de f r Ri rOa t r ove unde t Polc i wa
he a
o son, oncl ha n r r o ve ks o ec r
r he iy t s
oblgaed t compl wih t Fr ud Pr son.See eg. M i gan M ilr M ut I . Cor v.
i t o
y t he a
ovii
, . , chi
le s
ns
p.
.
Besed,1 F.d 9 5 9 ( 1hCi. 9 8 .
n l 40 3 1 , 22 1 t r 1 9 )
As e ag sta Ri rOa svo ae ti c n iin ( )dlig t e a piain p o e s
p n rue h t ve k iltd hs o d to 1 t n h p lc to r c s
r
by co ai ormir pr s ntng t dn a t Buidi s t i durng Huri a Fr es
nce lng
se e e i he m ge he l ngs usaned i
rc nes anc
a d J n n ( mpan a ! 51 a d ( )a trHu rc n W i ,b 'n e to al c n e ln o
n e n e Co lit t ) n 2 fe ria e l y ' tni n ly o c aig r
ma
i
mir pr e i m ae i l fct a cr um sa s k wn t t m r a i t t naur a
se es ntng t ra a s nd ic t nce no
o he eltng o he t e nd
s
mount of t cli a wel as ot r cic sa es s r undi t cli i tgai '
he a m s
l
he r um t nc ur o ng ht a m nvesi ton'
( mpan a !4 ) Ri rOa sc n e d i i e tte t s mmcyj d me ti is fv ro
Co lit t 7 . ve k o tn s t s n i d o u
l
u g n n t ao n
co t be us ()As n fie t pladt tRi rOaksmir prs ntd i or to dlrng
unt wo ca e 1 pe ald o e ha ve
se e e e nf main zi
ete t ea pl ain o iv siainp o e swihteitn t ij r , er u o d c i eAs e ,
i r h p i to r n e tg to r c s t h ne t o nu e d fa d r e ev p n
h
c
a ( noneoft alege mir e e ai ctdbyAs naemaei .
nd 2)
he l d seprs nttons ie
pe r tral
6
I Fl rda oncet i m ed e t bls sa l sa r nty wihi t t r sofa i u a e
n oi ,
he ns
sa ihe os ppa e l t n he e m
n ns r nc
polc t bur n s fst t i tr rt pr t tt c am i excude fom cove ageunde a
iy,he de hit o he nsle o ove ha he l i s l d r
r
rn
a pia l e c pi n o e cu i n S e Mihi n Milr M u.I s r v Behed,1 0 F.d
p lc be x e to r x l so . e c ga les t n .Cop. . n l 4 3
9 5 9 ( 1h Ci. 9 8 (iigHu s nv Pr d n il o ry & Ca . n . , 5 So 2 5 5
1 , 25 1 t r 1 9 ) ct
n d o . u e ta Pr pe t
s I s Co.4 0 . d 6 ,
5 8 ( a 2 DCA 1 8 :.W h n itprtn a i u a c poiy a c u ts o l gv f l
6 Fl. d
94
e n e eig n ns rn e l , o r h u d ie ul
c
m e ni a e f tt e h pr son and c t u e ch pr vii ac or ng t ispl i m e ni
a ng nd fec o ac ovii
onsr e a
o son c di o t an a ng.
T a ee s I d m.Co v
r v lr n e
. .'CR,f c,3 6 F.d 1 9 ,1 9 ( 1h Ci.2 0 ) (i n Hy n v
n . 2 3 1 0 1 3 1 t r 0 3 ct g ma .
i
Na in d M u. r I s Co,3 4F.d 1 7 ,1 8 ( 1h Ci. 0 2 ) I te p lc ' ln u g
to wie t Fie n . . 0 3 1 9 1 6 1 t r 2 0 ). f h oiy s a g a e
ls s s e tbe t mo e tm1o e ra o a e itmr tto o ep o dng c vea e a d te gq
ç u c p il o r h n e s n bl ne eain, n r vii o rg n h
i
o he lm ii c r ge,t i ur nc polc i c i r a bi uous' Tr elr I m.Co.v
t r i tng ove a he ns a e iy s onsde ed m g
. av e s nde
'
.
PCR, n .3 6F.d 1 9 ,1 9 ( 1hCi. 0 )(iigHy v Na in deM u. r I s Co,
I c, 2 3 1 0 1 3 1 t r 20 3 ctn man . to wi
tFie n . .
3 4 F.d 11 9,1 8 ( 1h Ci. 0 2 ) Ke p n t sfa wo k i mid Iwi c n ie wheh r
0 3 7 1 6 1 t r 2 0 ). e i g hi rme r n n , l o sd r te
l
et rP ryi e tte t j d me t samatro 1w o c u t wo.
i at s ni d o u g n a
he
l
te f a n o n t
A.Applcai n Pr s
i to oce s
Dmi t a i ton pr es ,As n c e t tRi rOa ' r pr enttve m a a
ng he pplca i
oc s pe ont nds ha ve kss e es a i
de
ma e ily mil di r pr s nt i whe he f ie t i ntf a ' ai sorocc r nce t t
t ra l sea ng e e e aton
n
a ld o de iy ny ' m
cl
ure s ha
ma gi rs t cai f t pro 5 ye r' ( 49 a 3;s e DE 1 Ata hme 2 a 2 .
y ve ie o l ms or he ir
as' DE
.
t e
- tc nt t )
Spe fcal As n sa e t tt undiput d f c s s w t ts ve a occ r nce t pl e i
ci ly, pe tt s ha he
s e a t ho ha e r l ure s ook ac n
200 t ye rprort t tm eRi rOa s
4, he a i o he i
ve ks ubmitd isa i ton,t tm a ha gi n rs t
te t pplca i ha y ve ve ie o
ca ms Fis, As n con e
li . r t pe
t nds i i undiput t t t Pr ry s t ne da a durng
t s
s ed ha he ope t usai d m ge
i
Huriane Frnce a J n (e DE 49 a 3- , whih i e de d by Ri r Oa '
rc s a s nd e nne s e
t 4)
c s vi nce
ve kss
rpr s nttve sae e s c e ng t t t cl
e e e a i s t tm nt onc di ha he ubhous was da
e
mage durng t s huni ane
d i he e
c s
a by Ri rOa ' Boar ofDiecor votng t a y f ra FEM A l n t cove t pr ry
nd
ve kss
d
r t s i o ppl o
oa o
r he ope t
d ma e ( eDE 4 a 4 . c n As e p o i e Rie Oa f i dt i cud i isa pl ain
n g .Se
9 t ) Se o d, p n r v d s v r ks al o n l e n t p i to
e
c
t fc t tt r iesha i ese an dn ag d a l s f m buidi wihi t Pr ry. L e
he a t ha e m t
d nf td d m e t ea t o
l ngs t n he ope t se
DE 4 a 4-)
9 t 5.
Eve i alt s ale tonsa e tu Ri rOaksa guest tt Cour i pr c ude fo
n f l he e l ga i
r r e, ve
r
ha he
ts el d rm
e trn sl
neig l
mmmyj dg n i As e ' fv rb c u eAs nfie t alg i i Co litta
u me t n p ns a o e a s pe ald o le e n t mp an h t
s
Ri e Oa ma titni n lmirp e e tto so t a p iain. S eDE 35a 5 6 . mi
v r ks d n e to a st r sn ai n n ht p lc to ( e
t - )Tu ng
t t Co pl nt As n' s e al gai conc r ng Ri rOa ' pur re m ir pr e ai
o he m ai , pe s ol le ton
e ni
ve kss po td s e es nt tons
durng t a plc ton pr e s i t t li r Oa ' ' e es nt tves conc ld a or
i
he p i ai
oc s s ha kve
kss ' px e ai
r
eae nd/
mirp ee td if r to rg r i t eda g t te ...Bui n sc usd b Hu rc n l)
se r sn e n o main e adng h ma e o h
l g a e y ria e s
di
F a e a d .. J n ne'( mp an a !51.
rnc s n . e n . Co lit t )
'
I or rf Ri rOa ' c
n de or ve kss onduc t vi a et c ton s tf t i t Fr ud Pr son,
t o olt he ondii e orh n he a
ovii
Ri r Oakss conc al e t o m ir pr e a i m us ha bee i e i na , a
ve
'
e m n r se es nt ton
t ve
n ntnto l nd, t
he
a o t tone a l a i d s n e t bls whehe Ri r Oa a t i e i ly. As n
f r men i d leg ton oe ot s a ih
t r vt
ks ced nt ntona l
pe
f ied t a es t s a gtmen i is Re pons t Ri r Oa ' M oton f Pa ta Slmm a y
al o ddr s hi r l t n t s t o ve kss
i or ri l l r
J
udgment Howe r i a a sAs may ha m ic tue Ri rOa ' ar
.
ve ,t ppe r pen
ve s onsr d ve kss gume be us i
nt ca e n
i Repo s ,As e sae 'ad iin ly d s ieRlv r O(k ')c n e to s Agpe )...i
t s n e p n tts ' l dto al, e pt ie) a ss o tn in , s n
s
g
s
no rq ie t p e e t rc e i n eo Rlv r Olks )rp e e ttv s itn t d fa . (
t e urd o rs n die t vde c f ie) a ' e r sn ai e 'n e t o erud' DE
s
'
9 a 3 . i ag n fist a d e sRie Oa ssa t a a g me tt tRi e Oa s a d n t
0 t ) Th s rume t al o d rs v r k ' cu l r u n ha v r k , n o
As n i e t ldt j d me ta amatro 1w i pato c u tt b c us As e ss c n
pe , s ni e o u g n s te f a n r n o n wo e a e p n' e o d
t
co mtf ie t con a n a a lga i esa ihi t tRi r Oakssr pr e a i aced wih
t a ld o t i ny le ton t bls ng ha ve
' e es nt tves t
t
t r qui ie i ent durng t a i a i pr es . A c r ngl Ri r Oaks i e il t
he e s t nt
i he pplc ton oc s
co di y, ve
s ntted o
j d me ta a matr o 1w i p r o te po to o c t t a iig fo li rOa ss
ug n s
t f a n a t n h rin f omt wo rsn r m tve k '
e
pum ore m ir pr e a i or omisons made d i t a i ton pr s be us i i
td se es nt tons
si
urng he pplcai
oce s ca e t s
8
t s ed t tAs n di notaleg Ri r Oa a t d wih t r uiie i e t vi a e t
mdiput ha pe d
l e ve ks c e t he eq st nt nt o olt he
Fr ud Pr vii
a
o son.
B.Cl m l taa i
ai nvesi ton
Tur ng t t cl m i si ton pr es ,As n a gue Ri rOa vi a e t Fr ud
ni o he ai nve tgai
oc s pe r s ve ks olt d he a
Pr son by i e i ly c
ovii
nt ntona l once lng or mir pr s n i ma e i f ct a cr m sa es
ai
se e e tng t ral a s nd icu t nc
r g r ig t e cam iv siain ( eDE 4 a 1 - 3 .As n s fi in l alg d t a Rie
e a dn h li n e tg to . Se
9 t 2 1 ) pe u tce ty le e h t v r
Oa ace wih t r quiie i entt vi a et Fr ud Pr son durng t cl m i tga i
ks td t he e st nt o olt he a
ovii
i he ai nvesi ton
p o e s ( mpan a !47 .As e a srst tRie Oa ssv oain o tePr vso i ce r
r c s . Co li t t ) p n se t ha v r k ' i lto f h o iin s la
be a e Ri rOa wat d fve ye s a r Huri a W ima sr k a As n dee mi d t
c us ve ks ie i
ar he
rc ne l tuc nd pe tr ne he
da ge s t ne by c ti buidi di not exc ed t de tbl t fl a c am s e ng
ma usai d
era n l ngs d
e he duc i e o ie l i e ki
c r geund t Polc f over$1 5 milont c rt cos ofr plc ng ' ver r ,e r
ove a
er he iy or
3. li o ove he t e a i ' y oof ve y
e
wi
ndow a e r si nggls d i aloft 49buidi a t .., ope t '( DE 49a
nd vey ldi a s oor n 1 he
l ngs t he Pr ry.'See
t
1 ) As e a s rsRi e Oa sscam i g o sy e g eae ,a d i s p o to i agl n ,
3 . p n s et v r k ' li s r sl xa g rtd n , n u p r f t r l t
s me
As n ofer t de ii n t tmony ofs r luni owne swhot sii d t tt y di no have
pe f s he posto esi
eve a t
r
e tfe ha he d t
a is s a a1- 1 taone r c ng is - wih t i r s wi w s or si ng gl s door .
ny s ue t 1- e l
e uni s ues- t he r oof , ndo , ldi
as
s
( e DE 4 a 1 -4,s e eg. Ca e s De 3 1 2 ;27 12 ;1 :- 5 4 2 - ) As e
Se
9 t 3 1 e , . , n sa p. 6:2- 5 :- 5 1 12 ; 5:0 23 . p n
poi soutt te Ri Oaks sown e t r pr s tt tnote y r ,wi
nt
ha ven ver
'
xpers e e en ha
ver oof ndow,a si ng
nd ldi
ga sd o wa d ma dd rn Hu rc n W ima ( eDE 4 a 1 )
ls o r s n ge u ig ria e l .Se
9 t 4.
I rs o s ,Rie Oa sc n e d s mma y j dg n i i r p r b c u e a g n ie
n e p n e v r k o tn s u r u me t s mp o e e a s
e un
is of m aera f ctexit c
s ue
t il a
ss once ni whe he Ri r Oa i e i ly m ir pr e e t
r ng
t r ve
ks nt ntona l
se es ntd he
n ntofiscli ( DE 92 a 1 .Ri Oa aguesisr quett rplcea1 t r s
mou
t am. See
t 4) ver ks r
t e s o e a l he oof,
wi
ndows or si ng gls do s i notfa e be us i i dipu e whet As n h a
, ldi
a s or , s
r udul nt ca e t s s t d
her pe as
dut t m ac al t r s wi
y o th 1 he oof , ndows a si ng gls door i a lt buidi .Es e i ly,i
, nd ldi
as
s n 1 he l ngs s ntal f
9
As ha adut t m ach unde t Polc i m us r plcee h r , ndow,a si ng g a s
pen s
yo t
r he iy, t t e a ac oof wi
nd ldi l s
door eve i i i notdn a d,s t Pr ry wilbeunior onc t r pa r a e co plt d.
, n f ts
m ge o, he ope t l
f m
e he e is r m e e
Addii ly,Ri r Oa r pr e s t t is e rs fl t e tm a e w ih As n,one t t
tonal
ve
ks e es nt ha t xpe t ied wo si t s t
pe
ha
esi t d t c t t r par a1 t r s wi w s a si ng gl s do s a one t t
tma e he os o e i 1 he oof , ndo , nd ldi
as or , nd,
ha
e tmae t ec s o rp iig o l te d ma e r o s wid ws a d sii g ga sd o s (e
si td h o t f e arn ny h n g d o f, n o , n ld n ls o r . S e
DE 9 a 1 ) Afe c n ieig t er c r ,Ifn ag n n is e o maeilf c e it a t
2 t 5 . tr o sd rn h e o d i d e uie su f tra a t x ss s o
whe he Ri r Oa i e i ly c
t r ve
ks nt ntona l once l or mir pr s nt f t durng t cl m
aed
se e e ed acs
i
he ai
iv si ain p o e s Ac o dn l Ifn net rPa t i e tte t j d me ta amatro lw
n e tg t r c s. c r igy, i d i
o
he ry s n ild o u g n s te f a
i pa ton c mtt
n r
ot wo.
J.Cou Th ee
nt r
Bo h Pa t sc n e d te ae e tte t s mma yj d me ti terfv ro As e '
t ri o tn h y r n ild o u r u g n n h i a o n p ns
e
t r c nt s e ng a de a a i t tRi r Oa i ba r d fom s ki c r unde t
hid ou e ki
clr ton ha ve
ks s re r
ee ng ove age
r he
Poiy b c u eRie Oa b e c e isd t t b t ' r mp l j' r v d As e ' o ieo t e
l e a s v r ks ra h d t uy o o h ' o tl 'p o i e p n ' tc f h
c
p
y
n
ls o d ma e'a d d s rb éh p o ry iv le . ( mpan a ! 5 ) As e ag e i i
o s r n g ' n e c ie ç e rpet n ov d' Co lit t 4 . p n r u s t s
t
'
e tte t j d me ta amatro 1w o c u tt reb c us i i t ip td ta Rie Oa s
nild o u g n s te f a n o n h e e a e t s md s ue h t v r k
f ie t pr de tmel no i oft l s bec us Ri Oa fl is cli fve ye r a tr
a ld o ovi i y tce
he os
a e ver ks ied t am i
a s fe
Hu c n W imasr c ( e DE 4 a 7 . v rOa sc n e d ta i i e tte t j d me ta
ni a e l tu k. S e
9 t ) Rie k o tn s h t t s n ild o u g n s
a ma tr of l w on c
te
a
ount t e be a e i pr d As n notce of t l s s rl afe
hr e c us t ovi ed pe
i
he os ho ty tr
Huni neW im asr k.
ca
l tuc
Afe c nsd rn t er c r ,Ifn n ih rP ry i e t ld t j d me ti isfv ro
tr o i eig h e o d i d ete a t s ni e o u g n n t a o n
t
c tr .I o d rt dic r e isdut unde t Notc Pr vii Ri r Oaksha t ( )
ount hee n r e o s ha g t y
r he ie o son, ve
d o 1
p o typ o ieAs nn tc o tel so d ma e a d( )d srb t epr p ry t twa ls
r mp l r v d pe o ie f h os r a g n 2 e ci e h o e t ha s o t
or da a d.A ge ne i s of m ae i l f t e ss a t whe he Ri Oa ' notc wa
m ge
nui s ue
t ra ac xit s o
t r ver ks s i e s
10
pr
ompta s t i n .Fore m pl age ne is e ssa t whehe Ri rOa s tc e l
nd ufk e t
xn e, nui s ue xit s o
t r ve ks ufs i nty
i en ii d whi h of t f t ni buidi we e da a d du i Huni ne W im a.Thi
d tfe
c
he ory- ne l ngs r m ge
rng
ca
l
s
hol ng i i lne wih Fl i lw be a e a de e m i ton whet ra i u ed c
di s n i
t orda a
c us
t r na i
he n ns r omple wih a
id t
notc pr son i a que ton off c .Se I alM ut I .Co.v.Wal re 400 So.2d 78 785
i e ovii s
si
a t e de
. ns
d p,
2,
( l.3 DCA 1 81.Ac o dngy te d t t d tr n wh t e Rie Oa s s t fe is
Fa d
9 ) c r i l, h uy o eemie eh r v r k ai id t
s
oblgai n unde t Polc i r e ve f t f tfnde .
i to
r he i y s es r d or he ac i r
4.CountFou
r
Ri e Oa smo e te Co r t e trs mmayj dg n i isfv ro As e sfurh
v r k v s h u t o n e u r u me t n t a o n p n' o t
c ,i whi i s e a de a a i t tRi rOa i ba r d fom c r e u rt Polc
ount n ch t e ks
clr ton ha ve ks s re r
ove ag nde he iy
f rvi ai t Polc sPos- sPr son.Asa condiin t r ove unde t Polc Ri r
o ol tng he iy' tLos ovii
to o ec r
r he iy, ve
Oa sa re t d tef lwig: 1 'g i eu p omp n tc o te ls o d ma e ,icu i g
k g e d o o h ol n ( ) ' qv s r t oie f h o s r a g ' n ld n ,
o
g
' d srp in o tep o e t iv l d' ()'ass o a po sbl, i eu ad srpin o h w,
' e cito f h r p ry n ove ' 2 ' l o n s si e g v s e c it f o
a
; l
o
wh na dwh r t els o d ma eo c re '()'at u r q et gv u c mpeei v noi s
e n e e h o s r n g c u rd' 3 ' l o r e u s, ie s o lt n e tlt
; g
oft dn
he mage a u mage pr ry'i l ng,' nttes c t , l and a oun ofl s
d nd nda
d ope t ' ncudi '
qua ii , oss vaues
m t os
came '()'a so tna ma b r ao a yr q rd p r t t is c t p o e t prvig
li d' 4 ' ) fe s y e e s n bl e uie , emius o n pe t he r p ry o n
; (
t e ls o d ma ea d e n n y u b o sa d rc r s ;a d () 'co peaewih u i te
h o s r n g n x mi e o r o k n e o d ' n 5 ' l o rt t s n h
l
iv siaino s tlme to t ecam. ( mpan a !60 .
n etg to r et n f h li ' Co lit t )
e
'
I Flrd ,$a t tl alr t c mpywihp lc p o ii n .. ma c nsi t ab e c
n o ia f ) oa fiu e o o l t o iy r v so s . y o tt e ra h
(
u
pr cl ng r ove y fom t i ur ra a m at rofl w.I,ho e r t i ur c
e udi ec r r he ns e s
te
a f w ve , he ns ed oope aest
rt o
s
ome de e orpr des a e a ton f is nonc
gr e
ovi
n xplna i or t
ompla ,a f c quesi i pr s nt f r
ince a t
ton s e e ed o
r s lto b aj r . Hama v Fe e a I s Co,79 So 2 81 ,81 ( a 4h DCA 2 01
e ou in y u y' i n . d r l n . . 8 . d 1 2 F1. t
'
0 )
(iain o te ) He e i i u ipue ta Rie Oa sdd n tttly fi t c mpy wi te
ctto s mi d . r , t s nds td h t v r k i o o al al o o l t h
t
h
P s- s Pr vso a c r i gy i wo l b i r p rt e trj d me ta amatro lw i
o tLo s o iin, c o d n l, t ud e mp o e o ne u g n s te f a n
11
Ri rOa ' f voron t sc .I t sc e,a g nui i s ofm ae i lf c e sswih r s c
ve ks s a
hi ount n hi as
e ne s ue
tra a t xit t e pe t
t wh te Rie Oa vo ae i d t t ( )p o iep o ta d s fiin n tc , 2 p o ie
o eh r v r ks iltd t u y o 1 r vd r mp n u fce t o ie ( ) r vd
s
iv n o iso t ed ma e a d u d ma e p o e t, 3 p r tAs e t is c t ePr p ryt
n e t re f h a g d n n a g d r p ry ( ) emi p n o n pe t h o e t o
d tr n te a u to ls o da g ,a ( ) c o rt d rn t e cam i etg to
ee mie h mo n f o s r ma e nd 4 o peae u ig h li nv siain
PC
OCCSS.
5 M at ng and Re ac ntCoss
. chi
pl eme
t
As movest Cour t dee mi t tt Polc doesnotr quie As n t ' ac '
pen
he
t o tr ne ha he iy
e r pe o ' th'
m
t da a s W hieRi Oa di notr s t sar ume i opposton t As n' r ques, Iam
he m ge . l ver ks d
aie hi g nt n
ii o pe s e t
p e ld d fo e trn j d me to As e ' b hafo t i is eb c u eAs e dd n tse a
rcu e rm nei g u g n n p ns e l n hs su e a s p n i o e k
de a a i t ti wa no r quie t û t h' t wi
clr ton ha t s t e r d o ç c ' he ndows si ng gl s door ,o r s i is
ma
, ldi as
s r oof , n t
Compl nt
ai .
Ac di y,i i he e
cor ngl t s r by,
O RD ER ED A ND A D JUD G ED t t
ha :
1 As n' Mo inf rS
. pe s to o umma yJ d me t( 4 )i DENI a d
r u g n DE 9 s
ED; n
2 Rie Oa ssM oi nf rP ril mmayJ g n ( 35 i GRANTED I PART
. v r k ' to o a ta Su r ud me t DE ) s
N
AN D D EN I I PA R T.
ED N
I i f rhe ,
ts ut r
ORDERED AND ADJUDGED t t
ha :
TheCl r ofCour i die t d t e e JUDGM ENT i f
ek
t s r c e o nt r
n avorofRi rOa a
ve ks nd
a ns As o c
gai t pen n ountone,c
ountt i pa t a c
wo n r, nd ountt n oft Compli ;a
e
he
ant nd
Cot t i pa t co tt ee a co f s lPROCEED t ti l
mt wo n r, un hr , nd unt our hal
o ra .
DO NE AND O RDERED a Cha be si W es Pal Bea h,Fl i t s
t m r n
t m
c
orda, hi
Augus ,201
t
2.
1
2
da of
y
A L M . I D LEBRO OK S
M D
UN I
TED STA TES DI
STR I J D G E
CT U
Co est
pi o:
Couns ofRe r
el
co d
1
3
Disclaimer: Justia Dockets & Filings provides public litigation records from the federal appellate and district courts. These filings and docket sheets should not be considered findings of fact or liability, nor do they necessarily reflect the view of Justia.
Why Is My Information Online?