Aspen Specialty Insurance Company v. River Oaks of Palm Beach Homeowner's Association, Inc.

Filing 135

*ORDER re order on summary judgment motion Signed by Judge Donald M. Middlebrooks on 8/9/2012. (sw)

UM TED STATES DISTRI C OURT
CT
SOUTH ERN D I
STRICT OF FLO RIDA
CASE NO .11- 81380- m D LEBROO K S& M M O N
CVM

ASPEN SPECI TY I SURAN CE
ALI N
COM PAN Y,
Pl ntf
ai if,
RI
VER OAK S OF PALM BEA CH
HOM EOW NER' ASSOCI ON,I C.
S
ATI
N ,
Def ndant
e
.

/
ORDER RECONSD ERING O Y I
BUS ORDER l PART
N
THIS CAUSE com esbef et Cour upon a sua s e r vi oft c e fl l t rcr s
or he
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f rSu ma y J g e t bo h Pa t ' s on e , v rOa s sRe y, n t e Fl i a S a u e .
o m r ud m n , t ri Re p s s Ri e k ' pl a d h ord t t t s
es
I d,i isRes et Ri Oaks' M oton f Summ ar J
ndee n t
pons o ver
s i or
y udgment A s conceded t tt
, pen
ha he

Polc s Concal nt Mirprsntton or Frud pr so (Trud Prviin' i dile te
iy'
e me , se ee ai
a
oviin s a
o so ' ç fid) h
) mo
dni e to l sttme tsa r c t ne i 'eto 6 40 1ofh Fl iaStttsa dd rel)
u ntninamisae n'tndad onai d n'scin 27. 9() te ord aue n d e d
ag
t a t t r ofhe. . lc s. . a ( r so e tbls t sa a df r cs i i t sc s . (
h the ems t . Poiy' . Fr ud Ploviin sa ih he tnd r or es ison n hi a e' DE
'
9 a 2 . trc nsde i t Fr u Pr iin, c ncu dta tePa te c ta tdou of h i rghst
0 t ) Afe o i rng he a d ovso 1 o lde h t h ris onr ce t t er i t o
unia er l r ci t Polc
lt aly es nd he iy.
W he de di whet sat l f r lw ,or t pa i 'contac ualpr son gover t
n ci ng
her t e aw, ede al a
he rtes
r t
ovii
ns he

det mi ton of a cl m s ng t voi a polcy on t basi of a i ur s aleged m at i
er na i
ai eeki o d
i
he
s
n ns ed' l
eral
mir ese atonsmadeduri hei ur
s epr nt i
ngt ns anceapplcatonpr ess t El ve hCic tr edt heSpari
i i oc ,he e nt r ui ul hatt d tes
ar f e t S r - 'ori r ar
e r e o contactout
contact ound's ae orf r l wih r gar t a i ur
tt
ede al aw t e d o n ns ancecont act s
r ,o
l ast r i not ng voi ast publc polc ors a ut y lw abouts a conta .'Ki v.Alst eI .
ong he e s hi
d o
i iy t t or a
uch
r ct' ng
l at ns

Co, 6F. 1 3 1 40( 1hCi.1 0) zik a b ou v T av lr I .Co, 8F.d7 70 ( t
.90 2d 5 7, 5 1 t r 99 ( tngsc r or gh . r ee s ns .71 2 02, 9 5h
Ci.1 ). Fru Prviinpr de i petn nt rt tçlli Cov rg Parivoi i a cs o
r 983)The a d o so ovi sn rie patha:çths ea e ts d n ny a e f
f aud by you asi r at t t sCover Par ata tm e.I i al v d i you ora ot i ur d,atan
r
t el es o hi
age t ny i t s so oi f
ny her ns e
y

tme,i e to l c c a ormirprs n amae ilfc co c r n 1 Thi Co r g Pa t (r 2.
i ntn inal on e l
y
se e e t t ra a t n e nig: . s ve a e r; o ) The
Co rdPop ry. . ( 35 Atac nt9a 7( hai a e )
vee r et .' DE - t hme t emp ss dd dl.
'
Bas upon t Fr Pr son,i Ri Oaks conc e ormir esent am at i f ctatany
ed
he aud ovii f ver
eal d
s epr ed
eral a
tm e,r gar essof whet i w as durng t cl m i tgaton pr
i e dl
her t
i he ai nves i i
ocessort applca i pr
he
i ton ocess t
, he

c ea epat ftePoiy,ahe t nt e iePolc irn rdv d. c di l le trdj g n
ov rg ro h lc rt rha he ntr iy,s e dee oi Ac or ngy, nee ud me t
i Ri e Oa s sf vo on c un on b a e t e As n c nta t d a y isrg t u l t r ly r s nd t e
n v r k ' a r o t e ec us h pe o r c e wa t iht o nia e a l e ci h
Polc undersat orf all l
iy
t e eder aw. ndeed, yt oughenf cementoft Fr Pr si coul As voi
onl hr
or
he aud ovi on
d pen d
t cover pa oft Polcy,and,eve t t scl m woul onl voi t cover par oft Polcy,
he
age rt he i
n hen, hi ai
d y d he
age t he i
asoppos t t entr Polcy.
ed o he ie i
Neverhel s,ncountt As s
t es i
wo, pen eekst enf c heFr Pr si and,a err
o or et aud ovi on,
ft econsderngt t
i i ha
t al tons underyi A s s cl m f r ci i bas upon Ri Oaks s i entonal
he lega i
l ng
pen' ai or es sson
ed
ver
' nt i

mi epres atonscoul be aleged underc t i i he eby
sr ent i
d
l
ount wo, t s r
ORDERED AND AD JUDGED t hi Cour ' Omni Orderi M ODIFIED IN PART. w il
hatt s
ts
bus
s
l l
per tA s t a guet Ri Oaksvi at t Fr Pr son durngt applca i pr
mi pen o r hat ver
ol ed he aud ovi i
i he
i ton ocessbecaus
e
a genui is ofm at i f texit ast whet rRi rOa ssat e son t applc i vi at t
ne s ue
eral ac s s o
he ve ks' t em nt
he
iaton ol ed he

Fr ud Pr vii n.
a
o so

D N A DO D R DaCabriWeta BahF '
O E N R E E thme n sPl ec,
s
m

ts
hi

Zdyf uu,
aoAgs
t

2012.

/
D ONALD M .M I
DDLEBROOK S
UNI
TED STATES DI
STRI JUDG E
CT
Copi t
es o:

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el
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