BROWN v. WESTFIELD INSURANCE CO
ORDER granting Defendant's 66 Motion for Summary Judgment (see Order). Signed by Magistrate Judge Mark J. Dinsmore on 5/10/2013. (SWM)
UNITED STATES DISTRICT COURT
SOUTHERN DISTRICT OF INDIANA
WESTFIELD INSURANCE CO,
ORDER ON DEFENDANT’S MOTION FOR SUMMARY JUDGMENT [DKT. 66]
On February 4, 2013, Defendant Westfield Insurance, Co. moved for summary judgment
on all of the claims asserted by Plaintiff Todd Brown. [Dkt. 66]. On March 25, 2013, Mr.
Brown filed his Response in Opposition to Defendant’s Motion for Summary Judgment. [Dkt.
76.] Westfield filed a Reply to the Plaintiff’s Response to the Defendant’s Motion for Summary
Judgment on April 22, 2013. [Dkt. 82.] After considering the briefs and designated evidence,
the Court GRANTS summary judgment in favor of Westfield Insurance and against Todd
Undisputed Material Facts.
The Court has jurisdiction over the parties’ dispute pursuant to 28 U.S.C. § 1332(a) –
diversity of citizenship. [Dkt. 1 (Notice of Removal).] Todd Brown owned property located at
665 South 625 West, Winchester, Indiana (the “Property”) with his wife, Dadra Brown. [Dkt.
68-1 at 15; Id. at 17-18.] On May 4, 2010, a fire occurred at the Property causing damage to the
Property (the “Loss”). [Dkt. 68-1 at 8:12-15.] At the time of the fire, Dadra Brown was alone in
the house. [Dkt. 68-2 at 31:7-13.] At the time of the fire and Loss, both Todd and Dadra Brown
were named insureds on a policy of insurance issued by Westfield under number WNP 4379910
(the “Policy”). [Dkt. 68-4; Dkt. 68-1 at 87:3-4; Dkt. 68-2 at 18:4-18.] Todd Brown agreed that,
based upon what he learned, Dadra Brown intentionally started the fire. [Dkt. 68-1 at 86:9-11.]
Dadra Brown told Mr. Brown that she started the fire. [Id. at 70:17-22.] Mr. Brown also agreed
that the Loss was the result of arson. [Id. at 89:22-24.]
Mr. Brown made a claim for coverage under the Policy for the Loss. On September 19,
2010, Westfield denied coverage for the Loss. [Dkt. 68-7.] Westfield’s denial of Mr. Brown’s
claim was based on its conclusion that the cause of the fire was arson by Dadra Brown, which
precluded coverage under the Intentional Loss provision of the Policy. [Id.] Secondarily,
Westfield denied Mr. Brown’s claim based on its conclusion that neither Mr. nor Ms. Brown
were residents of the Property at the time of the Loss, which was a condition precedent to
Summary judgment is appropriate if the moving party “shows that there is no genuine
dispute as to any material fact and the movant is entitled to judgment as a matter of law.” Fed.
R. Civ. P. 56(a). “A party may move for summary judgment, identifying each claim or defense –
or the part of each claim or defense – on which summary judgment is sought.” Id. In ruling on a
motion for summary judgment, the court “view[s] the record in the light most favorable to the
non-moving party and draw[s] all reasonable inferences in that party’s favor.” Zerante v.
DeLuca, 555 F.3d 582, 584 (7th Cir. 2009).
A motion for summary judgment asks that the Court find that a trial based on the
uncontroverted and admissible evidence is unnecessary because, as a matter of law, it would
conclude in the moving party’s favor. See Fed. R. Civ. P. 56. To survive a motion for summary
judgment, the non-moving party must set forth specific, admissible evidence showing that there
is a material issue for trial. Fed. R. Civ. P. 56(e); Celotex Corp. v. Catrett, 477 U.S. 317, 323
Although neither party expressly addresses the substantive law that applies to this
dispute, both parties cite to Indiana law and the Court agrees that Indiana substantive law
governs. Mercado v. Ahmed, 974 F.2d 863, 866 (7th Cir. 1992) (holding that federal court sitting
in diversity applies state substantive law). “Under Indiana law, insurance contracts are examined
under the same rules of construction as any other contracts.” Eli Lilly & Co. v. Zurich Am. Ins.
Co., 405 F. Supp. 2d 948, 953 (S.D. Ind. 2005) (citing National Fire & Cas. Co. v. West by
Norris, 107 F.3d 531, 535 (7th Cir. 1997); Indiana Farmers Mut. Ins. Co. v. Imel, 817 N.E.2d
299, 302 (Ind. Ct. App. 2004)). “Where an insurance contract ‘is clear and unambiguous, the
language therein must be given its plain meaning.’” Id. (citing Eli Lilly & Co. v. Home Ins. Co,,
482 N.E.2d 467, 470 (Ind. 1985)). “[T]he interpretation of an insurance contract under Indiana
law often presents issues of law well-suited for summary judgment.” Thompson Hardwoods,
Inc. v. Transp. Ins. Co., Case No. 00-74-C H/K, 2002 WL 31040703, at *1 (S.D. Ind. Sept. 10,
2002) (citations omitted).
Dadra Brown, a Named Insured, Intentionally Caused the Loss, Which Is
Excluded from Coverage Under the Terms of the Policy.
The Undisputed Material Facts Show that Dadra Brown Intentionally
Caused the Loss for Which Mr. Brown Seeks Insurance Coverage.
Westfield seeks summary judgment in its favor on Mr. Brown’s claims on the basis that
the Loss was intentionally caused by one of the named insureds, Dadra Brown. The Policy
excludes coverage to all insureds if the loss was intentionally caused by any one of the insureds.
Specifically, the Policy provides under Section II – EXCLUSIONS:
Intentional Loss means any loss arising out of an act an Insured commits or
conspires to commit with the intent to cause a loss.
In the event of such loss, no Insured is entitled to coverage, even Insured who did
not commit or conspire to commit the act causing the loss.
[Dkt. 68-4 at 18 (page 22 of 44 of the Policy).]
To succeed in this defense, Westfield must prove that one of the insureds (either Plaintiff
or non-party Dadra Brown) committed an act with the intent to cause the Loss. Here, Westfield
has provided the deposition testimony of Mr. Brown that he agrees that Dadra Brown
intentionally caused the fire that resulted in the Loss. Specifically, Mr. Brown testified:
Based on what you’ve learned, do you agree that Dadra intentionally
caused the fire?
[Dkt. 68-1 at 22 (deposition page 86:9-11).] Mr. Brown argues that “it is disputed, for purposes
of this motion, that Dadra Brown either intended to commit or did commit an act of arson,” [Dkt.
76 at 2]; however, Mr. Brown has submitted no evidence to create a genuine issue of material
fact as to his testimony that forecloses this issue. No objection was lodged to this question
during the deposition. Although in ruling on a motion for summary judgment filed by Westfield,
the Court must draw all reasonable inferences in favor of Mr. Brown, the only inference that can
be drawn from Mr. Brown’s admission that is that Dadra Brown, a named insurer on the Policy,
intentionally caused the Loss by causing the fire at the Property. This is particularly true where
Mr. Brown testified that Dadra Brown admitted to him that she started the fire. [Dkt. 68-1 at
70:17-22.]1 Mr. Brown offers no alternative inference to refute this conclusion.
Mr. Brown’s statement that Dadra Brown told him that she started the fire is not admissible to
prove that Ms. Brown intentionally caused the fire because it is hearsay per Fed. R. Evid. 801(c).
The Court can, however, consider Mr. Brown’s testimony to show its effect on Mr. Brown and as
As stated in Mr. Brown’s Response to Westfield’s motion, “‘[a]n insurer raising an arson
defense must establish the truth of its claim of willful burning by the insured by a preponderance
of the evidence.’” [Dkt. 76 at 5 (citations omitted).] Certainly, agreement by the Plaintiff that an
insured willfully burned the Property is a greater weight of the evidence than that Dadra Brown
did not intentionally burn the Property. See Travelers Indem. Co. v. Armstrong, 442 N.E.2d
349, 361 (Ind. 1982) (“‘Preponderance of the evidence,’ when used with respect to determining
whether or not one’s burden of proof has been met, simply means the ‘greater weight of the
evidence.’”) (citation omitted). The Court finds that, based on the undisputed material facts,
Dadra Brown intentionally caused the fire that resulted in the Loss at issue.
The Policy Is Not Ambiguous and Is Enforceable Against Mr. Brown.
Mr. Brown argues that even if Westfield proved that Dadra Brown intentionally caused
the Loss, the Policy implies severable obligations and rights of both insureds and thus, Mr.
Brown should be entitled to coverage under the Policy as an innocent coinsured. [Dkt. 76 at 1213.] Mr. Brown argues that Westfield relies on a common law “joint basis” to deny coverage –
that the actions of one insured is joint against all others. [Id.] But this is not the case. Westfield
relied upon an express provision in the Policy that if “an Insured commits or conspires to commit
with the intent to cause a loss”, then “no Insured is entitled to coverage, even Insured who did
not commit or conspire to commit the act causing the loss.” [Dkt. 68-4 at 18 (page 22 of 44 of
the Policy).] Mr. Brown has admitted that an insured (Dadra Brown) intentionally committed the
the basis for his personal knowledge to testify that he agreed Ms. Brown intentionally caused the
fire. See U.S. v. Hanson, 994 F.2d 403, 406 (7th Cir. 1993) (“An out of court statement that is
offered to show its effect on the hearer’s state of mind is not hearsay.”) (citation omitted); see
also Fed. R. Evid. 801(c) (“‘Hearsay’ means a statement that: (1) the declarant does not make
while testifying at the current trial hearing; and (2) a party offers in evidence to prove the truth of
the matter asserted in the statement.”).
Loss, and thus, the Intentional Loss provision by its own terms excludes the Loss from
Mr. Brown has not shown any ambiguity with respect to the Intentional Loss provision.
Mr. Brown argues that other Policy provisions provide for the limits of insurance in the case of
more than one insured under the Policy (anti-stacking provisions) and thus the rights and
liabilities of the insureds are severable, and not joint. [See Dkt. 76 at 12-13.] However, Mr.
Brown’s citation to other provisions of the Policy that do not conflict with the provision at issue
does not prove the Policy is ambiguous. Indeed, Mr. Brown made no arguments that the antistacking provisions of the Policy conflicted with or somehow diminished the enforceability of
the Intentional Loss provision.
Mr. Brown also argues that he had certain expectations with regard to his coverage for
losses. [Dkt. 76 at 13 (citing to Affidavit of Todd Brown).] Yet, Mr. Brown’s unspoken
expectations that are not contained in the four corners of the Policy are irrelevant when the
Policy is not ambiguous. “Where ‘a contract is unambiguous, the intent of the parties should be
determined by the language employed in the document.’ Thus, if the contract is unambiguous,
‘we give effect to the intentions of the parties as expressed in the four corners of the document.’”
Evan v. Poe & Assocs., Inc., 873 N.E.2d 92, 98 (Ind. Ct. App. 2007) (citations omitted).
Westfield cites to Cincinnati Insurance Company v. Compton, 569 N.E.2d 728 (Ind. Ct. App.
1991), to argue that it needs to show by a “preponderance of the evidence, that arson, by the
insured, caused the loss and that said arson falls within an exclusion of coverage to the policy.”
[Dkt. 67 at 8-10.] But here, Westfield does not need to prove that Dadra Brown committed
arson. Rather, Westfield only needs to prove (pursuant to the language of the Policy) that Dadra
Brown intentionally caused the Loss. Because Plaintiff has agreed that Dadra Brown
intentionally caused the fire, and has introduced no evidence to controvert that fact, Westfield
has proved that an insured intentionally caused the Loss. Although not essential to the decision,
the Court notes that Mr. Brown also admitted that the fire was the result of arson. [Dkt. 68-1 at
Because Mr. Brown has failed to show that the Policy is ambiguous, his unspoken expectations
are irrelevant to the application of the Policy.
Mr. Brown also relies upon Iemma v. Adventure RV Rentals, Inc., 632 N.E.2d 1178, 1182
(Ind. Ct. App. 1994) and American Economy Insurance Company v. Liggett, 426 N.E.2d 136
(Ind. Ct. App. 1981) to argue that Indiana public policy supports recovery by an innocent
coinsured. Neither of these cases support Mr. Brown’s position. Although the courts in both
Iemma and Liggett were faced with claims of innocent coinsureds, both cases relied on the fact
that the policies at issue did not contain an express exclusion for the claim of an innocent
coinsurerd where the loss was intentionally caused by another named insured. Both cases
considered the impact of coverage on an innocent coinsured, but neither case involved the
situation here where the Policy contains an express exclusion of coverage.
In Iemma, Dorman, the president of a trailer repair company (Adventure RV), committed
arson which destroyed a trailer that was in the company’s possession pursuant to a bailment from
Iemma. 632 N.E.2d at 1180. Iemma made a claim under the company’s insurance policy and
was denied coverage because the trailer was destroyed as a result of arson. Iemma argued that
although the insurance policy was void as to Dorman, a named additional insured under the
policy, the company was an innocent coinsured. Id. at 1182. As Mr. Brown cites, the Indiana
Court of Appeals considered whether the rights and obligations of the coinsureds were joint or
severable. Id. However, because the policy was voided by Dorman, who solely owned and
controlled the company, the company could not recover under the policy and neither could
Iemma. Id. at 1183-85.
In American Economy Insurance Company v. Liggett, cited by the Iemma court, the
Indiana Court of Appeals considered a situation similar to this case. In Liggett, a wife sought to
recover for a fire loss at her home that may have been intentionally caused by her late-husband.
426 N.E.2d at 137-38. The parties agreed that the wife was innocent of any culpability in
causing the fire. Id. at 137. In determining that the wife, an innocent coinsured, could recover
under the policy, the Court specifically noted that “[i]n the instant case, there is no policy
language which the defendant can rely upon to support an exclusion.” Id. at 144. This is the
polar opposite of the Policy at issue. The Policy here contains an express exclusion barring
recovery under the Policy by an innocent coinsured where another insured intentionally caused
the loss. [Dkt. 68-4 at 18 (page 22 of 44 of the Policy).] The intentional loss provision of the
Policy is enforceable.
In 2002, the Court in Thompson Hardwoods, found that the Supreme Court of Indiana
would enforce the express provisions of a policy instead of resorting to “complex and
indeterminate” caselaw. 2002 WL 31040703, at *5. In Thompson Hardwoods, the issue was
whether a provision of the policy excluded intentional acts of a director (Mr. Thompson) as
opposed to an employee, where the company (Thompson Hardwoods) sought coverage. The
At bottom, the extent of the insurer’s obligation is a matter of contract. Where the
contract resolves the question, this court predicts that the Supreme Court of
Indiana would choose not to resort to the complex and indeterminate body of law
that has developed in these corporate arson cases in the absence of specific policy
provisions. The state court would instead simply enforce the policy provision,
which in this case leads to the conclusion that Thompson Hardwoods is entitled to
coverage for the losses caused by the fire even if the fire was deliberately set by
Mr. Thompson. See, e.g., Carroll v. Statesman Ins. Co., 509 N.E.2d 825, 827
(Ind.1987), adopting in relevant part 493 N.E.2d 1289, 1293 (Ind. Ct. App.1986)
(“unless an insurance policy specifically excludes coverage once any party to the
policy deliberately causes the loss, an innocent co-insured is entitled to recover”),
citing American Economy Ins. Co. v. Liggett, 426 N.E.2d 136; Property Owners
Ins. Co. v. Hack, 559 N.E.2d 396, 399 & n. 2 (Ind.App.1990) (innocent spouse
rule applied “unless the policy specifically excluded coverage for all insureds in
the event any insured deliberately caused a loss”).
Id. The Court finds the same analysis applicable here. The Court does not consider public
policy where an express provision of the Policy unambiguously resolves the parties’ dispute.
Because the Policy here unequivocally and expressly bars coverage for an innocent coinsured
where the Loss is intentionally caused by another insured, the Court finds Mr. Brown barred
The undisputed material facts demonstrate that Dadra Brown, a named insured,
intentionally caused the Loss at issue which is excluded from coverage pursuant to the
unambiguous terms of the Policy. Consequently, the Court GRANTS Westfield’s Motion for
The Other Evidence Cited by Westfield Was Not Relied Upon by the
The disposition of Westfield’s Motion was made much more difficult by Westfield’s
failure to properly submit evidence to the Court. Westfield submits a significant amount of
inadmissible evidence in an attempt to establish that Dadra Brown intentionally caused the Loss
for which Mr. Brown seeks coverage. Westfield designates three sources of upon which the
Court does not (and could not) rely to make its determination that an insured under the Policy
intentionally caused the Loss: (1) Dadra Brown’s deposition testimony; (2) the Fire Marshall
report; and (3) the docket sheet representing criminal charges against Dadra Brown.3
“Admissibility is the threshold question because a court may consider only admissible evidence
in assessing a motion for summary judgment.” Gunville v. Walker, 583 F.3d 979, 985 (7th Cir.
2009) (citations omitted).
Westfield also cited to several pages of Mr. Brown’s deposition testimony. Mr. Brown
challenged a great many of this statements as not being admissible, however, the Court did
consider Mr. Brown’s testimony that he agreed Dadra Brown caused the fire. [See supra.]
Westfield cites to several pages of Dadra Brown’s deposition in an attempt to prove that
she intentionally started the fire that resulted in the Loss. [Dkt. 67 at 3-4.] However, Westfield
ignores that Ms. Brown testified that she had short-term memory loss and did not know what
happened the night of the fire. In the pages of Ms. Brown’s deposition testimony that Westfield
provided to the Court, Ms. Brown testified that she “had a nervous breakdown.
remember a lot about what happened” [Dkt. 68-2 at 19:1-2]; “had a short-term memory loss. I
don’t know where I was or what happened” [Id. at 19:9-10]; and “I don’t remember a lot about
that day” [Id. at 23:25].4 More specifically, Ms. Brown testified in response to the question
“You believe he’s [the sheriff] correct that you started the fire?” with “I had to believe what I
was told. I didn’t know.” [Id. at 30:4-6.] These statements show that Ms. Brown did not testify
that she intentionally started the fire that caused the Loss, but that she did not recall, on the date
of her deposition, what happened the night of the fire.
Westfield also sought to prove that Ms. Brown intentionally caused the fire by submitting
the Fire Marshall’s report of the fire. [Dkt. 68-5.] Although domestic records of regularly
conducted activity can be admitted into evidence and overcome the hearsay rule, Westfield failed
to authenticate this record and thus, it is not properly before the Court. Federal Rule of Evidence
(11) Certified Domestic Records of a Regularly Conducted Activity. The
original or a copy of a domestic record that meets the requirements of Rule
803(6)(A)-(C), as shown by a certification of the custodian or another qualified
person that complies with a federal statute or a rule prescribed by the Supreme
Court. Before the trial or hearing, the proponent must give an adverse party
Mr. Brown cites to pages 27:11-11 [sic] and 27:24-28:1 of Ms. Brown’s testimony to contradict
her alleged admission that she intentionally caused the fire. [Dkt. 76 at 1-2, 6-7.] However, Mr.
Brown did not provide the Court with page 27 of Ms. Brown’s deposition and that page was not
provided by Westfield in its designation of evidence. As a result, the Court cannot and did not
consider Mr. Brown’s citations to page 27 of Dadra Brown’s deposition in opposition to
Westfield’s Motion for Summary Judgment.
reasonable written notice of the intent to offer the record – and must make the
record and certification available for inspection – so that the party has a fair
opportunity to challenge them.
Fed. R. Evid. 902(11). Westfield did not include any certification of the custodian of the Fire
Marshall’s report. The certification of the custodian is critical to both authenticate the document,
as well as to overcome the hearsay rule as provided in Fed. R. Evid. 803(6). “[H]earsay is
inadmissible in summary judgment proceedings to the same extent that it is inadmissible in a
trial, . . . .” Eisenstadt v. Centel Corp., 113 F.3d 738, 742 (7th Cir. 1997) (citations omitted).
Rule 803(6) provides:
(6) Records of a Regularly Conducted Activity. A record of an act, event,
condition, opinion, or diagnosis if:
(A) the record was made at or near the time by – or from information transmitted
by – someone with knowledge;
(B) the record was kept in the course of a regularly conducted activity of a
business, organization, occupation, or calling, whether or not for profit;
(C) making the record was a regular practice of that activity;
(D) all these conditions are shown by the testimony of the custodian or
another qualified witness, or by a certification that complies with Rule
902(11) or (12) or with a statute permitting certification; and
(E) neither the source of information nor the method or circumstances of
preparation indicate a lack of trustworthiness.
Fed. R. Evid. 803(6) (emphasis added). As Mr. Brown argues, the Fire Marshall report contains
statements of hearsay that are inadmissible.
Of course, Westfield could have properly
authenticated the Fire Marshall’s report and overcome the hearsay rule with respect to the
statements contained therein had it followed the requirements of the Federal Rules of Evidence.
As a result, the Court cannot and has not considered the Fire Marshall report in ruling on
Westfield’s Motion for Summary Judgment.
Although Westfield seeks to prove that Dadra Brown pleaded guilty to intentionally
starting the fire at the Property, for some inexplicable reason, Westfield did not provide a copy of
the judgment in Ms. Brown’s criminal case. Instead, Westfield provided the Court with a copy
of the Chronological Case Summary (CCS) from the case State v. Dadra D. Brown, Cause No.
68-C01-1007-FB-0051, in Randolph County. [Dkt. 68-6; Dkt. 83-1.]5 Although Docket 83-1,
submitted with Westfield’s Reply shows that Dadra Brown was originally charged with “Arson,
35-43-1-1(a)(2), a Class B Felony”, that was later amended to “Criminal Mischief, 35-43-12(a)(2)(B)(i), a Class D Felony” with a finding of “Guilty,” nowhere in the CCS is it explained
why Dadra Brown was charged with Criminal Mischief or to what she pled guilty. The CCS
does not explain that the charges related to the Property or the fire or the Loss. Based on the
evidence submitted by Westfield, Dadra Brown could have been charged with Arson for
damaging wholly unrelated property. Although Westfield could have provided the Court with a
copy of the criminal complaint, the plea agreement, the transcript of the February 16, 2011
Guilty Plea and Sentencing Hearings, and/or the judgment, it did not. Moreover, Westfield did
not explain the CCS with any testimony from Dadra Brown or any other witness.
The only deposition testimony submitted by Westfield related to Dadra Brown’s criminal
charges is as follows:
And did you actually go through a criminal trial for this? Did you enter
into a plea agreement?
I entered into a plea agreement.
Okay. Receive community service; is that correct?
I had probation.
Westfield initially submitted an uncertified copy of the CCS for State v. Dadra D. Brown, but
Mr. Brown challenged the admissibility of this document. Consequently, Westfield submitted a
certified copy of the CCS with its Reply brief. [Dkt. 68-6; Dkt. 83-1.] Yet, neither document
proves that Ms. Brown intentionally caused the fire at the Property.
[Dkt. 68-2 at 39:19-23 (emphasis added).] The testimony submitted by Westfield does not
explain to what “this” refers in the question at line 19 and does not explain to what Dadra Brown
admitted, if anything, in her plea agreement. Westfield provides page 39 of Ms. Brown’s
deposition without the benefit of the preceding pages that may establish that “this” refers to the
fire and Loss at issue. However, the excerpts of Ms. Brown’s testimony provided by Westfield
does not establish that Dadra Brown intentionally set fire to the Property, and thus, it did not
explain the CCS and was not relied upon by the Court in ruling on Westfield’s Motion for
The Court Need Not Consider Whether the Insureds Were Residents of the
Property at the Time of the Loss.
Westfield seeks summary judgment on a second basis – that the Loss was not covered
under the Policy because neither Todd Brown nor Dadra Brown were residing at the Property at
the time of the Loss. The Policy provides coverage for the “dwelling on the residence premises”,
which is defined in relevant part as the “one family dwelling where you reside.” [Dkt. 67-4.]
Westfield argues that the Property was neither Todd nor Dadra Brown’s “residence” at the time
of the Loss. Mr. Brown retorts that a dispute of material fact exists as to whether Mr. Brown
intended to reside at the Property.
Because the Court has granted summary judgment in
Westfield’s favor with respect to its first basis for denying Mr. Brown’s claim (that one of the
insureds intentionally caused the Loss), the Court need not address Westfield’s alternative
ground for summary judgment.
Westfield Did Not Commit Bad Faith.
Mr. Brown alleges that Westfield committed bad faith in the handling of his claim.
Although both parties submit evidence supporting their positions with respect to the length of
time between the claim and the denial, as well as Westfield’s alleged failure to provide a full
copy of the Policy until discovery, this evidence is irrelevant in light of the Court’s ruling that
Westfield was correct in denying Mr. Brown’s claim. Under Indiana law, “[a] rational or
principled basis for denying a claim forecloses a recovery for bad faith.” Eli Lilly & Co, 405 F.
Supp. 2d at 957 (citing Freidline v. Shelby Ins. Co., 774 N.E.2d 37, 42 (Ind. 2002)). Because the
Court has found that Westfield had a rational and principled basis for denying Mr. Brown’s
insurance claim – that the Loss was intentionally caused by a named insured – Mr. Brown’s
claim for bad faith is foreclosed. As a result, the Court GRANTS Westfield’s Motion for
Summary Judgment with respect to Mr. Brown’s claim for bad faith.
For the foregoing reasons, the Court finds that no genuine issue of material fact exists and
Westfield Insurance Company is entitled to judgment as a matter of law. The Court GRANTS
summary judgment in favor of defendant Westfield Insurance Company and against plaintiff
Todd Brown on all of Plaintiff’s claims.
Mark J. Dinsmore
United States Magistrate Judge
Southern District of Indiana
Byron Joseph Davis
Attorney at Law
Anthony J. Oliveira
B. JOSEPH DAVIS, ATTORNEY AT LAW, P.C.
Bruce P. Clark
BRUCE P. CLARK & ASSOCIATES
Court L. Farrell
BRUCE P. CLARK & ASSOCIATES
Jennifer E. Davis
BRUCE P. CLARK & ASSOCIATES
Katherine Yvonne Gappa
BRUCE P. CLARK & ASSOCIATES
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