Scottsdale Insurance Company v. Continuum on South Beach Master Association, Inc. et al, No. 1:2011cv22838 - Document 28 (S.D. Fla. 2012)

Court Description: ORDER granting 16 Motion for Default Judgment; granting 21 Motion for Summary Judgment. Case Closed. Signed by Judge Patricia A. Seitz on 6/26/2012. (ail)

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Scottsdale Insurance Company v. Continuum on South Beach Master Association, Inc. et al Doc. 28 UN I TED ST ATE S DISTR I CO U R T CT SO UTH ERN DI STRI OF FLORI CT DA CA SE NO.1122838 CI SEI S1 ONTON - V- TZ/ M SCOTTSDALE W SURANCE COM PAN Y, Pli if antf, CB EN TERTAT ENT,e al, NM t . D e e nt f nda s. / ORDER GM NTI M OTI FOR SUM M ARY JUDGM ENT AND M OTI N FOR NG ON O FI NAL DEFAULT JUDGM ENT TH I M A TTER i be or t Cour on Pl i if s M o i f Sum m a y D e a a o y S s f e he t a ntf ton or r cl r t r J udgme ( 21 a i tDee ntContnuu onSo hBe hM atrAs ocai I nt DE- ) gans fnda i m ut ac se s iton,nc. ( i Contnuum)a Pl ntf' Motonf Fi lDefulJ nd ai ifs i or na a t udgmentAgans Defnda CB i t e nt Entrai nt LLC ( 1 . Thi ca eaiesoutoft c e utvei ur nc polci et nme , DE- 6)1 s s rs wo ons c i ns a e i es Pli if is dt Contnuum.Dee ntCB Entranme ,LLC ( Entranme )hass d antf sue o i fnda e ti nt CB e ti nt ue Con i tnuum a ot r i s a e c t o r c r da a s c us d by w a e i r i i o a nd he s n t t our t e ove m ge a e t r nt uson nt t hous owne by CB Ent ramne t n bot M oto , antf s e e r ofade a at y own e d e ti n .l h ins Pl i if e ks nty clr or j d me tsai gta Plitf h sn d t t d fn o i e iy Co tn u i t esaec u t u g n ttn h t an if a o uy o ee d r nd mn f n iu m n h tt o r l w s tfl d by CB Ent t i e . Be a e no g ne i s ofm a era f c e s a t a ui ie era nm nt c us enui s ues t i l a t xit nd he l ngua oft Thi d Am e d Com pl i i t s a e cou ts ti c e ,Pl i if i e il t a ge he r nde a nt n he t t r ui s l ar a ntf s ntted o s mmayj d me ta an tCo t u a dt e tyo ad fut u g n a ans CB u r u g n g i s ni um n he nr f ea lj d me t g i t n Ent t nm ent er ai . l e ntC B Ent r a nm e LLC ha no a Def nda e t i nt s t ppea e ordef nded t s a ton. D ef nt rd e hi c i enda Contnuu ha a i m s ppea e and ha tl a r s ns t t M o i f Sum m a y D e a a or rd s i ed e po e o he ton or r cl r t y J me ( 22)a Pl ntf ha fld arpl ( 251 udg nt DE- nd ai if s ie e y DE- . Dockets.Justia.com 1 M at r alFac s . ei t Pl nif Sc tdaeI urnceCompany( ts l) is dt Co i aitf, ots l ns a Scotdae, sue o ntnuum acommecal ri ge r llabiiy i ur nc polcy,Polc No.CP51 ne a i lt ns a e i iy 078482,f t pe i ofOc obe 1 , 2009 or he rod t r 8 t oughOct r1 201 ( 21 1) Scotdaeis das c c hr obe 8, 0. DE- - . ts l s ue e ond ommecilge r labiiy r a neali lt polc t Contnuum ,Polc No.CP51 iy o i iy 295765,f t pe i fom Oc ober1 201 untl or he rod r t 8, 0 i Oco r1 , 01 .( 212) Bohp lce c n ant ef lo n ln u g : tbe 8 2 1 DE- - . t oiis o ti h olwig a g a e SECTI 1- COVER AG ES ON COVEM GE A BODI I LY NJURY AND PROPERTY DAM AGES LI LI ABI TY 1.Ins ng A greem ent uri a. ewilpa t es t tt i ur dbe om e lgaly oblgaed t pay a dama W l y hos ums ha he ns e c s e l i t o s ges b c u eo ' dl ij r 'o ' r p ryd ma e'owh c t i i u a c a pis W ewil e a s f' i nu y' r ' o e t a g 't ih h s ns r n e p le . bo y p l ha t rghta dut t d e t i ur d a ns a ' ui's e ng t eda ges ve he i nd y o ef nd he ns e gai t ny ' t' e ki hos ma . s Howe , wilha no dut t def nd t i ur d ag ns a ' ui's ki dn a s ver we l ve y o e he ns e ai t ny ' t' ee ng m ge s f r' di ij r 'o ' r p ryd ma e'o wh c ti is a c d e n t p y. . o ' l n u y' r ' o e t a g 't ih h s n m n e o s o a pl . . bo y p b. sis r n ea pist ' o i ij r 'a d' rpet d ma e' nyi: Thi n u a c p le o ' dl n u y' n ' o ry a g 'o l f b y p ()Th ' o i ij r 'o ' r p ryd ma e' c u sd rn tepoiypeidl 2 e ' dl n u y' r ' o e t a g 'o c r u ig h lc ro . b y p ) ( 21 1a 8& DE- - a 9. DE- - t 212 t ) On Se e be 1l 201 CB Ent ranm e s d Contnuum a ot si t Cic t ptm r , 0, e ti nt ue i nd her n he r ui Cour oft 11h J calCic t i a f M im iDa Count Fl rda.Theca ei e il d t he t udii r ui, n nd or a - de y, o i s s ntte C# Entrai e t nmentLLC v Sout Be h Oc Par lL/f,Ca eNo.1 4961 CA- (heStt , . h ac ean ce t s 0- 6- 40 t ae Cour Sui) Thecur ntopertvec anti t Stt Cour Suii t ThidAme t t. re ai ompli n he ae t t s he r nded Compli .( 213. Acc di t t ThidAme d Compl nt snc J nuay 1 2003, ant DE- - ) or ng o he r nde ai , i e a r 7, CB Ent rai e t nmenthasbe t o rofat l e c en he wne owr hous ondom i um uni a t Contnuum o ni t t he i n So hBe h,So hTowe ,i MimiBe c Flrda.( 213,!4. CB Entrai ut ac ut rn a a h, o i DE- - ) et nmentaleg l es t tsnc J 1 2003, t t ha i e une 3, is ownhous hass f r d a c tnuest s f rwa e i r i e ufe e nd on i o ufe t r ntuson whi h ha c us sg fca tdn a t t i t ro oft t wnhous , i l ngmol (d. t c s a ed i nii n m ge o he n e i r he o e ncudi d. 1 a !23. TheThidAme dCompli f t ralege r ) r nde ant urhe l sz 28. twasno untl2009t tt c esoft pr e swer c pr he i l I t i ha he aus he oblm e om e nsvey d t r i d. n pa tc a ,e rsdee mi o y i 2008 2009 or201 t tnotonl e e m ne I riul r xpe t tr ned nl n , 0 ha y we et wi r he ndowsi ope l d i d a i t le butt r wasa f iur t c ul t mpr ry esgne nd nsa ld, he e a l e o a k he wi ndows t succ on t walsha be i o ry de i , he t o he l d en mpr pe l sgned a i t le t r nd nsa ld, he oof wa i r p ryd sg e a d isald a dt ep a tra dwalo tieTH 4g s mp o e l e in d n n tle , n h lne n l usd CB Entranme ' t l e)ha notbee wae oof a ngohe dee t. s eti nts owrhous d n tmr ed, mo t r fcs The e dee t we enotr diyr ognia ebypes (uc a CB Entrai t wholck fcs r ea l ec z bl rons s h s et nmen) a s c a know l e ort a ni orw e e hi de by c ponen s orfni hes pe i l edg r i ng, r d n om t i s . 29.Tur r De ope ,a t Sout TowerAs oca i n i pe t d TH 4 fom 2003 a ne , vel r nd he h s ito ns c e r nd onwa d,a a r nd cknowldge t tt r wa da e d ha hee s mage(ncl ngsgnii ntmol a wae i udi i fca d nd tr i r i , CB Entrai ntwasne ri or d,a t ttme, wasr ponsbl ntuson)but e t nme ve nf me t ha i who es i e be a e t m a f t tonsw e e notobvi a w ha wast ca e orc esoft c us he nies a i r ous nd t he us aus he da e. Alhough r pr s nt tonswe emade c i ly,t tr paiswoul be mag t e ee ai r , ontnua l ha e r d u ra n whe t c us sf t da a we e deer ned,no r paiswe em a nde tke n he a e or he m ge r t mi e r r de. 30.Furher on i or ai n and be if fom 2003 onwa dand untlatl s 2009,bec us t , nf m to le , r r i ea t a e t ma f t i nswe enotobvi ,r pe e de tuc i t si wa co he niesato r ous e atd sr tve e tng s nduced l TH 4 t n by t D e l r t Sout Towe A s ocato Tur r ort i ag sa he veope , he h r s i i n, ne , her ent nd s onta t s i or rt a tm ptt dee mi t r s n f t wa e i r son a ubc r c or , n de o te o tr ne he ea o or he t r ntu i nd w ha r m e a i w a ne es a y, e uli i f t rda age t t uni. t e di ton s c s r r s tng n urhe m o he t The D e l r ve ope , Tur ra t Sout Tow e A s oci ton pr i ed t r pai s h da a bu no r pais ne nd he h r s ai om s o e r uc m ge, t e r ha be n unde t ke ve e r a n. 31. twa notuntlcaenda ye r2009,t tCB Ent ranm e wa i or e t tt I s i l r a ha e ti nt s nf m d ha he da a wa c us d by,a o o he t ngs de e tvel c tuc e a ordesgne m ge s a e m ng t r hi , f c i y onsr t d nd/ i d r s wi oof , ndows door ,s rwal , a e sa suc a1 ofwhi h c bi d t r nde , s hee ls pl ntr nd t co 1 c om ne o e r TH 4 uni bia e a t elva ori r e fo be or t da eofcosng,onwa d. nha t bl nd he e t nope abl ' m f e he t r l i r 2 e tl ngua oft ThidAm e d Co aiti s tf t be us i i r e ntt The xac a ge he r nde mpl n s e orh ca e t s elva o de er i ng c r ge. t m ni ove a 32.I e on i or ton a belef i wasnotuntl2009 t tRCA , t w i nde d, nf ma i nd i , t i ha he ndow sa nd doors on r c orofTum e , s d t Sou h Towe As ociton and Tur rt tRCA ubc ta t r advie he t r s ai ne ha ha no e n s a e t wi wsofTH 4 duet RCA havi bee tr i t d by t d t ve e l d he ndo o ng n e m na e he Deveoper and t tCB Ent t nme wa as i or e t tt e e i rdoo st TH 4 l , ha erai nt s lo nf m d ha he xt ro r o h dlr eg p ta al we wae t p n tae a dta ter of c nr loit, n su c a ag a s h t lo d tr o e er t, n h t h o , o to j ns a d tc o nee d t be r paie a / r pl e de o e r d nd or e ac d. (d a ! 8 3 . 1 t 52 - 2) Plit ftldt i s i s e igad ca ao yj d me tt tispoiisd no p o ie ani le hs ut e kn e lr tr u g n ha t lce o t r vd f co r gef t damag t CB Ent rai ve a or he eo e t nmen ' t ts ownhous a t ,thasno dut t de e or e nd,hus i y o f nd i m niy Contnuum i t St t C o tSui. l r s nde f i n he a e ur t n e pons t Pl i if s M oton, o i e o a ntf ' i C ntnuum as e t t tPli ifhasa dut t defnd be a et Stt Cour Compl i a lgest tt s rs ha antf yo e c us he a e t ant le ha he da a st CB Ent rai e tst m ge o e t nm n ' ownhous di notm a f s t e d nie t hems l ,i pa q untl2009, eves n r i whih f lswihi t polc pe i ds c a l t n he i y ro . I . Sum m a y Judgm e St l r nt andard S mma yj dg n i a p o raewh n(h pe dn s. . ho t a teei n g n ie u r u me t s p r p it e s e la ig . s w h t h r s o e un t is ea t a ymaeil a t n t a t emo n p ryi e tte t aj g n a amatro su s o n tra f c a d h t h vig a t s n ild o ud me t s t f e lw. An e s nv fi e t Lo b , n .47 U.. 4 , 4 ( 9 6 ; a ' d r o . b ry b y I c, 7 S 2 2 2 7 1 8 ) HCA He lhSe v .fGa.l c ' at r s o , n . v Emplyer HealhI s Co, F. 98 991( 1h Ci. ) Onc t movi pa' . o s t n . .240 3d 2, 1 t r 2001. e he ng ly t de monsr t st a e eofagenui is ofm a e ilf c , henon- ovi pa t mus dc ta e he bs nc ne s ue t ra a t t m ng ry t some f wa d wih Specfcf c ss or r t s ii a t howi t tt r i a g nui i s f ti .' M at s t El . ng ha he e s e ne s ue or ral'' su hia ec I d s Co v Ze t Ra oCop.47 U. 5 4 5 7( 98 )( u tn F d R. v. 5 ().Th n u . . . ni di r , 5 S. 7 , 8 1 6 q o ig e . Ci P. 6e ) e h Cour mus viw t r co dand a 1f c ua i er nc t r r i t lgh m os f vor bl t t t t e he e r 1 a t l nf e es he efom n he i t t a a e o he non- o ng pa t a de de w he he lthe e de e pr e s a s tci ntdi a ee e t m vi ry nd ci t r tt vi nc es nt ufi e s gr m nt o rq ies b s int aj r o wh t e i i s o esd dt a o epa t mu tp e al samatr e ur u miso o u y r eh r t s o n -ie h t n ry s rv ia te oflw .' Ale v T onFoods I . 1 1F. 642, 646( 1h Ci.1 a '' ln . ys , nc, 2 3d 1 t r 997)( igAnde s 477 quotn r on, U. a 251-2). S. t 5 ) I o p sn amoinf rs mmayj d me t t n n mo n p ryma n t eys ll n p o ig to o u r u g n ,he o - vig a t y o rl o ey o t pl di ,bu mus s n he ea ngs t t how b a fda t ,de ii ,a we st i e r t i ,and y fi vis postons ns r o nt roga ores ad isonst ts ii f c se s de onsr tng age neis f til Se Fed. Ci P. m s i ha pecfc a t xit m ta i nui sue or ra . e R. v. 56() ( ;s ealoCel e Cor v Catet477U. 31 3 ( 986) A meet cntla' c ,e) e s otx p. . r t, S. 7, 24 1 . r t i il'of s evi nc s de e uppor i t oppos ng pary' poston w ilnots t c ;i t ad, he e m us be a tng he i t s ii l ufi e ns e t r t s fiin s o n t a tej r c ul ra o a yfn f rta p ry.An e s n 4 7U. a 2 2 u fce t h wi g h t h u y o d e s n bl id o h t a t d r o , 7 S. t 5 ; s ealo Walerv Dar y,91 F. 1 1 ( 1h Ci.1 . e s k . b 1 2d 573, 577 1 t r 990) 1 1 D i c s on 1 . s us i Plitf ag e ta i i e tte t s mmayj d me t e a s u d rteln u g o t e an if r u s h tt s n ild o u r u g n b c u e n e h a g a e f h polc esi i onl r s i i t s y e pons bl f pr t dmnaget toc ur e d i t polc pe i , i e or opery ha c r d urng he i y rods Oc obe 18, t r 2009 t o h Oc obe 18, 1 a t Thi d Am e hr ug t r 201 , nd he r nded Com pl i i t St t a nt n he a e Co tSui m a c e rt t pr ry da a occ r d be o e t polcype i .Contnuum ur t kes l a hat he ope t m ge ure f r he i rods i m ant i t tge neis sofma e i lf c e s a i ans ha nui s ue t ra a t xit boutwhe he pr ry da t r ope t mageoc r d cure du i t polc pe i .Howe r bas d on t l ngua oft Thid Am e rng he iy rods ve , e he a ge he r nded Compl i , ant ge neis sofma e i f c do notexit TheThid Am e d Co ai doe no ale t t nui s ue t ral a t s. r nde mpl nt s t lge ha dn gesoc red durng t polc pe i .Thus Sc ts e i e il t s ma cu r i he iy rods , o tdal s ntted o umm a y de l r t l r c a a oy j d me t g is Co tn u a dt f a d fut u g n a an tCB En e time t u g n a an t n iu m n o i l ea lj d me t g is n tran n . N e t rpa t diput s a t 1 w i cl a , ha an i ur r s du y t def nd a ns a l ga ihe ry s e , nd he a s e r t t ns e ' t o e gai t e l ac i ars sf om t a l tons i t unde l ng c pl n . H i n v St e Far Fie dr ton i e r he lega i n he ryi om ai t ggi s . at m r Cas t Co.894So.2d5,1 ( a.2004) ual y , 0 Fl .Thus i t algai i t underyi c an , fhe le tons n he l ng omplit do notbrng t c a m wihi t cove a oft polc , t i u a e c i he l i t n he r ge he i y he ns r nc ompa doe no ha a ny s t ve dut t de e Aut l ne sI u anc Co.v M ar i De lpmentCor ., 805 So. 888,891 y o f nd. o-hv r ns r e . v n ve o p 2d ( 1. dDCA 2 01.I t r i n d t t d fn ,h r i n c rep ndn d t t id mniy Fa 2 0 ) f hee s o uy o e e d te e s o o r s o ig uy o n e f be a et dut t i mniy i na r wert n t dut t def nd. Es e I r e Co. v.Bi c us he y o nde f s r o ha he y o e s x nsu anc g T p o nmpa l c, 3So. d 1 2 ( a 2 DCA 201 ) Ho v r a yd ub a u t d yt o fl , n .5 a 3 2 4 Fl. d 1. we e , n o t bo t he ut o de e mus ber o ve i fvoroft i m ed.Ame iur I u anceCo.v.Gol Coas M arne fnd t es l d n a he ns rs e ns r d t i Ditiutr ,l .771So. 579, 0- ( a. h DCA 2000) srb o s nc, 2d 58 81 F1 4t . Thepolcisa is he ee i ty saet tt y c ronl pr ry da a t t i e t s ue r xplcil t t ha he ove y ope t m ge ha toc ur durngt polc pe i ' Thus t is he e i whe he t Thid Am e s c s i he iy rod.' ,he s ue r s t r he r nded Com pl i a l ge t tCB Ent rai e ' da a occ r d dur ng t polc pe i a nt le s ha e t nm nt s m ges ur e i he i y rods. The e r aef t i ofwhe pr t dn r our heores n opery mageoc tr ()e tr ;( maniesai ( czs: 1 xposle 2) f tton;3) c ni u u tig r a d( )ij r i fc.Auo Owz r I s r n eCo v T a ee sCa u t & o tn o s rg e ; n 4 n u y n a t t 7 , n u a c . . r v lr s al cN y Sur t Co.227 F.Supp.2d 1 ,1 ( . Fl 2002) Bot pa tesag e t ti c tuci ey , 248 266 M D. a. . h ri r e ha n onsr ton de e tc es Fl i c t a yt ma f s ai t or 3 Se Ame i M ut alI ur f c as , orda ours ppl he nie tton he y. e rcan u ns anceCo. v Al nee- pki TheOc/ De lpme Gr p L. ,201 W L 4942972,*5( D.Fl.Nov. . ba s po n c veo nt ou P. 0 J S. a 3 , 01 ) Ar et . i co ie t s al Co, 01 W L 28 9 ( . Fl. 0J l 1 , 0 2 0 ; n t v M d- nt n Ca u t .2 0 n y 21 81 M D. a 201 uy 6 201 ) Unde t manie ttont or da geoc ur ont daeonwhiht dnma frt 0. r he fsai he y, ma c s he t c he ge is be omesvii eori dicove ed.Aut Owne s 227F. c sbl s s r o r, Supp.2d a 1 t 266; net,201 W L a #7. Ar t 0 t 3 hieContnuum ex i il saest tt maniesa i n t or a i , t a gume W l i plcty t t ha he f tto he y pples is r nt s e st i pl t tt si a ca e ofa co i e m o m y ha hi s s ntnuousti r How e ,Contnuum ha notpr de r gge . ver i s ovi d a a ho iy s ny ut r t howi t tFl r da ha ac e e t c i ng ha o i s c pt d he ontnuoust i rt r asa va i t or rgge heo y ld he y f de e mi ng when pr pe t da a occ s or t r ni o ry m ge ur . A c or ng t t a l ga i i t Thid A m ende Com pl i , he da a t CB c di o he le tons n he r d a nt t m ge o Ent ranm e ' t e ti nts ownhous oc r d anumbe ofyea souti t polc perods e cure r r sde he iy i . TheThid Am e d Com pl ntaleg t twa e i r i be i J 2003ca i r nde ai l es ha t r ntuson gan n une usng sgniia da a t t uni,i l ng mol The Thid Amende Compl ntf t ra lge i fc nt m ge o he t nc udi d. r d ai urhe le s t tt pa te t t St t Cour Sui a kno l dge i 2003 t tt r w a da ag t t ha he r i s o he a e t tc w e dn ha he e s m e o he t wr o s .S eCo ant tI 29& 3 .W hl t Thr Ame d dCo litalg sta te o l u e e mpli a J h ! 0 ie he id n e mp an le e h t h ca e oft da a we enotû ompr he i el dee mi ' i 2009, heThid Ame us s he m ges r s c e ns v y tr ned'untl t r nded Co pl ntdoesnota lget t da m ai le hat he mage ,ie , hewae i r i a sgniia m ol di not s .. t tr ntuson nd i fc nt d, d m a f s t m s l untlt n.l f c , heThid Ame d Compl i m a clart tt e nie t he eves i he n a t t r nde an kes e ha hes da eswe e a r nta e ry a 200 W hieContnuum a guest tt Thid Amende mag r ppa e s a l s 3. l i r ha he r d Compl i alege t tda ant l s ha mage as ma f s e i 2009 an 201 t r i no lngua i t s lo nie t d n d 0, he e s a ge n he Thid Amende Compli t acua l s st da a smanie t d i 2009 o 201 o t t r d ant hat t ly ay hat m ge fse n r 0 r ha ne da w mage wer ma f t i t stm efa s e niesed n hi i r me. M or ve ,t pa a a oft Thid eo r he r gr phs he r Ame nded Compl i r le upon by Contn ant ei d i uum,pa ag a 28- prma iy dicus t s r h r r phs 31, i rl s s he ea c f t c us oft da or he a e he mage i 2008 2009 and 201 notwhe t da a soc r e sn , , 0, n he m ge cu r d. Contnuum i r di m or i ot l ngua o t Thid Am e i s ea ng e nt he a ge f he r ndedCompl i t n i a t ly ant ha s cual t r Addii ly,i i i i t al ga i i pa ag a 29 t ts cii ly al t ti he e. tona l t s gnorng he le tons n r r ph ha pe tcal lege ha t wa onl t ca e oft wa e i r i a mol t wer de e ne i 2009.Be us t s y he us s he t r ntuson nd d hat e t nni d n ca e he ale i i t unde l ng c lgatons n he ryi ompli do notbrngt cli wihi t c r oft polcis ant i he am t n he ove age he i e , Pl i ifdoe nothav adut t def nd ori mniy. Ac or ngl i i antf s e yo e nde f c di y, t s O RD ERED t t ha : 1 Pl ntf Motonf SummayDecaat yJ gme g 21 i GRANTED. . ai ips i or r lr or ud nt DE- J s 7 2. Pl ntf sM oton f Fi lDef ul J ai if i or na a t udgm e Aga ns De e ntCB Ent ranm e , nt i t f nda e ti nt LLC ( 1 )i GM NTED. DE- 6 s 3.TheCo r wil n e as p rt d ca ao yj g n . u t l e tr e a ae e lrt r ud me t 4. A1 pe i motonsno ot r s r edupo a ede e asm oo . l nd ng i t he wie ul n r ni d t 5. Thi c e i CLO SED . s as s DONE a ORDERED i M i , orda t s nd n ami Fl i , hi - / -& da ofJ , 1 y une 2. PA TRI A A .SEI CI TZ UN I TED STATES D I I JUD G E STR CT c c: Al Couns lofRe or l e c d 8

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