Pavarini Construction Co. (SE), Inc. v. ACE American Insurance Company, No. 1:2014cv20524 - Document 104 (S.D. Fla. 2015)
Court Description: ORDER Denying Motions for Summary Judgment. Signed by Senior Judge James Lawrence King on 2/25/2015. (jw)
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Pavarini Construction Co. (SE), Inc. v. ACE American Insurance Company Doc. 104 UNI TED STATES D I STRI CO URT CT SO UTHERN DI STRI O F FLO RI CT DA CASE NO .1 c 20524- N G 4- vK1 P AVAM NICONSTRUCTI CO. SE)l c, ON ( n. a Del r Cor a i i vi l awa e por ton, ndi dualy, a f rt us and be i of nd o he e neft STEAD FA ST I SURAN CE COPM AN Y, N aDelw a e Cor a i a r por ton, Pl i if antf, VS. ACE AM ERI CAN I SURAN CE COM PAN Y, N aPem s va a Com or to l yl ni a i n, Def nda . e nt / O RDER DENYI DEFENDA NTS'M OTI NG ONS FO R SUM M ARY JUDG M ENT THI CAU SE com es be or t Cour upon Def nda ,A CE Am e i n l ur S f e he t e nt rca ns ance Co n s t mo insf r s ay j d n :ACE' Ame e M o in f r S mpa y', wo to o umm r u gme t S nd d to o umma y r J g n ( 35 a ACE' M o in f r S mmay J d me t r ltng t i o ee ud me t DE ) nd S to o u r u g n eai o i mpltd c p o ucsc v rge' DE 6 . emo insaef l b if d. r d t o e a '( 6) Th to r ul re e l y The undiput d m a e i f ct a e as f l .Pa r ni was t ge r l contac or s e t ral a s r olows va a he ne a r t 2o s ayne Bay Condom i um , ni c r ct by de l r 900 Bicayne,LLC, t consr t900 Bi c onta ed ve ope s tuc a63-1 ,m i usecondom i um t toor xedni ower DE 35,a 2.Pava a i c r d by t e r l va . t r ni s ove e hr e e e nt is a e p iis ( )Ame ia Ho Asur n eCo n sc mme ca g n r lla l y n urnc olce : 1 rc n me s a c mpa y' o r il e e a ibii t p lc ;( ) oiy 2 ACE' Ex e sLibii poiy;a ( )S e dfs I u a e Co a y' Su g r S c s a lt lc nd 3 t a a t ns r nc mp n s b ua d y 1Pl ntf5Pava a Consr ton Co. ( ,dd n to j c o pr c d a gr u st ACE' ai if r ni tuc i SE) i o b e t n o e ur l o nd o S fln ofas c ndmoi nf rs mmayj d n . iig eo to o u r u gme t 2Thi compa i a afii e ofTe r s ny s n flat r a ADll em a i lBa hor , LLC,whi h i na ed on nt tona ys e c s m t oft r l va i ur ncepolci .DE 35,a 2. wo he e e nt ns a i es t Dockets.Justia.com polc Am e ian Hom e s polc c ai a $2 m ilon ie h occ r nc lm i' a a $4 iy. rc ' i y ont ns li t ac ur e e i t' nd mi in i n rla r g t lmi. DE 35 ! 1 .ACE' p iy ha a $ 5 milo l a h l o l e a gg e ae i t' l ge ' 1 S ol c s 2 lin k c e o c re c 'lmi a a$ 5 mil a g e aelmi. d.a !9. eSu u r po iy c n an c u r n e' i t nd 2 li g r g t i t 1 t Th bg a d lc o t is on a $25 m ilon t ch Los lm i of i ur nc ' and a $25 m ilon ûAggr ga e lm i of li i Ea s i t ns a e' li i e t i t is a e'1 .a ! 1 l i u dip td t tt ACE p iy i e c s o e Ame ia Ho s n urnc . d t 4. t s n s u e ha he ' olc s x e s v r rc n me' c mme ca g ne a la lt p lc 1 .a !1 . o r il e r l ibii o iy. d t 1 y Pa aa ihr d s bc nr co st wo k o t e c n m ii prj c .Atla to e o v r n ie u o ta t r o r n h o do num o e t e s n f t m pe f m ed descent wor by f lng t i t l or by i pr ry l tng r i or ng he ror i k aii o nsa l m ope l oca i enf ci se li t c ncee ma o r u twal.DE 4 ! P Ac o dng t Pa a a i t i d ûce t te n he o rt s n y ni ls 6 4. c r i o v r n , h s e in wo k c us d l ma t t e e tro suc o (r c i ,d lmi to ,a f lig) wae r a e i ge o h x e ir t c c a kng ea nai n nd aln ; tr da i r i i t pe hous e l ur a c a ng i t c r e of col ns bea s a nt uson n he nt e nc os e; nd r cki n he onc et um , m , nd s rwals'1 hea l . d. ' Pa r nis eks i mnii aton fom A CE undert ACE polc f ce t n r par va a e nde fc i r he i y or rai e is ne es ia ed by t s c stt he ubcontac or de i i nt w or A fer exha tng t Am e i a Hom e r t s' fc e k. t us i he rc n p i s lmis Pavar ni t nde ed a c ai t A CE, whi r f ed t pa f any coss olcy' i t , a e r lm o ch e us o y or t as cae wih t r par. d a !P1 .S e d a ta r e t a i wo dpa tcpaei f nd n so it d t he e is 1 . t 5 t a f s g e d h t t ul rii t n u i g te rpar- a d ha d n s un e t Su g r p lc f a ! P2 .I r tm ,Pa a a h e is n s o e o- d r he b uad o iy. #. t 0 n eu v rni a e d t pur ue ACE f i m ni a i on St adf s ' be f a t r m bur e St adf t gr e o s or nde fc ton e a ts hal nd o ei s e as ' f pa e s t St adf t m ade t f or ym nt hat e as o und t r pa r .1 St df s as i d s oga i n he e is d. ea a t sgne ubr to rght t Pava a a t i t ntac i f l i so r ni nd he nsa ton olowed. var nis ksmor t n $23 m ilon fom Pa a ee e ha li r ACE i c t, e s a dp eu gme titr s.d. t 7. n oss f e , n rj d n n e et 1 a ! 2 = l Sum m arv Judem e St nt andar d he ea ngs i t as S mmay j d nt i a p o it where t pl di and supportng m aeri l u r u gme s p r prae e tbls t tt r i no genui is ast a m aera f ta t tt m ovi pa t i s a ih ha he e s ne s ue o ny t il ac nd ha he ng ry s e tte t j d me ta amat roflw. eFe R. v. 5 Ceo e Co p.v Catet 47 n ild o u g n s te a Se d. Ci P. 6; ltx r . r t, 7 U. 31 ,3 2 ( 98 ) A f c i ' tra' i i i ma d tnnie t e o to u e t S. 7 2 1 6 . a t s s e il f t s y ee n h u c me nd r he ma ' a pl a es bsa tvelw. d r o v Li e t Lo b ,I c,4 U. 24 2 ( 9 6 .The p i bl u tn i a An e s n . b ry b y n . 77 S. 2, 48 1 8 ) c nonm ovi pa t m us s ng ry t how s i) f t t s pectc ac s o uppo tt tt r i a ge ne diput f a r ha he e s nui s e. #. t 2 6 On amo in f rs mmay j g n ,t e c ur mus v e t e e i e e a r s l al 5. to o u r ud me t h o t t iw h v d nc nd e ove 1 i ee nf r ncesi t lghtmos f vo a e t t nonm ovi pa t 1 at255.l r viwi t n he i t a r bl o he ng ry. d. n e e ng he rc r e ie c , h Co t yno un e tk t j r sf n to ofweghngt ee d n eo e o d vd n e t e ur ma t d ra e he u y' u ci n i i h vie c r u ra ng c edi lt deer i i .Latme v nde tki r biiy t m natons i r .Roarng To ,I ,601 F. 1224,1 i yz nc. 3d 237 ( lh Ci. 1 ) 1 t r 20 0 . 1 St nda dsf rCo t ui I ur nc Con r cs a r o nsr n: ns a e t a t Our i e r t ton ofi ur nc c r t ...i gove ne by gene aly nt m e a i ns a e ontac s s r d r l a e ed r esofc t uc i l ur nc conta t a e consru ac di t cc pt ul onsr ton. ns a e r cs r t ed cor ng o t rpl n mea ng,wih a ambi tes c t u a i tt i ur a i hei ai ni t ny guii onsr ed ga ns he ns er nd n f vor ofcover a age.See Tauru H ol ngs I .v. U S.Fi ( Guar Co. 91 s di , nc d. Q . , 3 So2 5 ,5 2 ( a2 5 .Fu t r çn c nsr n i urnc p lc e ,c urs .d 28 3 F1.00 ) rhe , i o tuig ns a e o iis o t i s d r ad eac polc as a whol ,e houl e h iy e ndea i t gi ever pr son is vorng o ve y ovi i t f l mea ng a o r tve efe . Aut ul ni nd pe a i f ct' o-owne s I . Co.v.Ander ' r ns son, 756 So2 29 3 ( a20 0 . c r n y ia lh ug e cuso r ca e c l t .d , 4 F1. 0 ) Ac o digl,l jt o h x l inay lus s amo g be r led upon t cr a e cover ge prnci e gove i t consr ton of ei o et a , i pls m ng he tuc i i ur nc c r t di at t t when consr ng a i ur nce polc t ns a e ontac s ct e ha t ui n ns a iy o dee m i cover ge t pe tne pr sons s d be r ad i par matri ' tr ne a he ri nt ovii houl e n i e a., CT De eo n,7 0 So2 a 1 7 -7 (iain ,atr to ,a itr l C v lpme t 2 .d t 0 4 5 ct to s le ai n nd n ena q tto makso te ) uoai n r mi d . t U.. r I s Co v JS. B.I c , 7 So. d8 , 7( a 20 7) S Fie n . . . U. , n . 9 9 2 71 87 Fl. 0 . 3 1 1 ACE' A m ende M oton f Sum m ar Judem ent( 35) 1. S d i or v DE l ACE' Am e d M oton f Sum m a y J n S nde i or r udgm ent i ar st tc r ge unde t , t gue ha ove a r he ACE polc i ba r a a m at rof1w bec e Pava a di notr ri ope t damage,' i y s r ed s te a aus r ni d epai û pr ry ' whi h t A CE polcy c r ;butr he r paie a s ontact ' deicentwor whih t c he i ove s at r e r d ubc r or s i k, c he ACE polc doesnotcove . I or r t unde sa t s pe of c r ge unde t A CE iy r n de o r t nd he co ove a r he polcy,i mus ber ad t herwih t Am e i n Home polc t whi t A CE polc i i t t e oget t he rca iy o ch he iy s e c s . se to I( v rge )o t eAme ia Ho p iy pr vie ,$ ewilpa t os x e s3 cin Co e a s f h rc n me ol c o ds $ W l yh e s st t i ur bec es lga l oblga e t pa as da a be us of...i ope t um hat he ns ed om e ly i t d o y m ges ca e pr ry da a t whi t s i ur nce a i s. DE 35- at9.i o ry da a ' i de i d as m ge' o ch hi ns a pple ' ' 3, ' pe t m ge' s fne Pr ip h ia ij r t tn bl pr pe t i cu n a1r s lig l s o u e o ta p o ry ' l l ysc l n u y o a gi e o ry, n ldig 1 e utn o s f s f h t r pe t, l ' a d Slo so us o tngbl p o ry t a i no p ial ij r d. f .a 2 Th pol y n i l s f e f a i e r pe t h t s t hysc l n u e ' # t 3. e i l y ' c c r d o ry dam a ' onl i t f ope y da a ' i ca ed by a 'occ r nc ' ove s ' pe t pr ge' y f he : pr rt m ge' s us n i ur e e. ' 1 a 9. ik ur e e' m ea a a i nt i udi c i d. t iocc r nc ns n cc de , ncl ng ontnuous or r pea e expos e t e td ur o s t nta l t s m ege r lha m f condii '1 a 22. ubsa i ly he a ne a r ul tons. d. t 4 ' 3 By t ACE p iy' tr , i S nl a le t ij r o d ma e c v r d b t he olc s e ms t s y pp is o nu y r a g o e e y he o UN DERLYI NG I NSURANCE ....The Defnii ,Te m s Condii , Li ia i ,and i tons r , tons m t tons Exc usons of t UNDERLYI l i he NG I NSURANCE,i efec a t i pton da e of t s n f t t he nce i t hi p iy, ppyt ti c v rgeu e ste aei o sse twihyrvson ofhijoiy.. . ol a l o hs o ea nls h y r nc n itn t o ii s t s lc .' c ' DE 35- ,at4.û 1 û UND ERJ Y I W SURANCE m e t polc or polc e ofl ur nce as w NG ans he l y i i s ns a des i d i t D e a a i and Sc crbe n he clr tons hedul of Underyi l ur nce f m i a pa toft s e l ng ns a or ng r hi p lc ' 1 . a 7 The Sc d l o Und ryig l u a e ( vie ) lss a Co r il o iy. d t . ' he u e f e l n ns r nc Re s d it mme ca Ge r Li biiy Polc wih polc numbe GL 933ne al a lt i y, t iy r 3498, a w ih a polcy t r of nd t i em Oc ober25,2004,t J nua y 25,2008. d.a 2.Thi polcy i t A m e ian Hom e polc t t o a r 1 t s i s he rc iy o whi t ACE polcy i e es .Thi i undiput Se DE 35,a 5 ! 1l.The Cour not , ch he i s xc s s s s ed. e t t es howeve ,t t polcy numbe a polcy t r lse i t ACE polc s Sc dul of r hat he i r nd i e m it d n he iy' he e Un e l n l s r n e ( v s d d n tmac t epo iy nu e a d p iy tr lse o d ryig n u a c Re ie ) o o th h lc mb r n olc em itd n t f ceoft Amerc Home polc a t pa tesdo notexpl n t sdicr pa y. he a he i an i y; nd he ri ai hi s e nc 4TheA CE polc sdefnii ofSocc r e ' i i ntca . 35- ,a 7. i y' i ton s u r nce' s de i l DE 1 t ACE c r c l a gues t t under t a or e ty r ha , he bove pr sons and unde Fl i Supr ovi i , r orda eme iy ove s i pr ry ge' Cour pr ede , t e A CE polc c r ' ope t dam a 'butdoesnotc rr paist a t ec nt5 h ove e r o s ontacorsde i i ntwor . However Pava a i it t ti Ss ksr m bur e e under ubc r t ' fc e k , r ni ns ss ha t iee ei s m nt t eACE Pol y frd ma sr s ligf o t d f ci wo kofPa r n ' s bc n r co s'' h i o a ge e u t r m he ee tve r c n va a is u o ta t r . DE 46!7(mp ssa de : ( e ha i d d) g ls ig a i o ry l c td r if r ig se li t c nc ee m a o r M isn nd mpr pe l o ae en o cn t e n he o r t s n y u i ($ U' wal wa c usn e c s i mo me toft b li Thi nt $ CM ' ls s a i g x e sve ve n ) he uidng s mov me tr s le i d ma t t e e irsuc o (r c n d lmi to e n e ut d n: a ge o he xtro t c ca kig, e a nain, a d f lig) wae itu i n i t e pe t o e e l s r ;a c a kig i t e n al ; tr n r so n h n h us nco u e nd r c n n h n . c r t ofcol onc e e umns be s a s rw a l. , am , nd hea ls Th Re i a d e s d t e e itn d ma e t t ePrj c . .. e Re i di e par d r s e h x sig a g o h o e t . Th par d not fx t def ctve wor t t l d t t buidi m ovem e a r uli i he e i k ha e o he l ng nt nd es tng dam a The Re i di no i t l r i or i se i pl s whe e i was ge. pa r d t nsal e nf c ng t el n ace r t m isng, di t Re rr l a e m il a e see . s i nor d he pai eoc t soc t d t l 1 a ! P4 P7 Th s a s rins s p re b afd vi, ce t a is e o mae ilfc . f d. t ! , . e e s e t , u po td y fi a t6 r ae n su f tra a t I o c edied by t f c /nder t y s r t he a t , he how t tPava a ' r iswe e ofpr ry da a ca ed ha r nis epar r ope t m ge us by def tvew o k a oppos t r par oft def tvewor is f7 ec i r s ed o e is he ec i k t el. ACE alo a gue t tispolcy' cove a coul notha bee ti r d beca e i i s r s ha t i s r ge d ve n rgge e us t s e s ove t Subgua d Polc a a da a t t m a be cove ed by b0 h of t xces r he r i y, nd ny m ges ha y r t he polc e ha ar a be pa d by St as undert Subgua d polc A CE' a gum t s i i s ve le dy en i eadf t he r iy. S r nt aeu c n i cn ACE ctst Se to IA.( vea e o isp lc , c sae i r lva t r n o v n ig. ie o cin . Co r g ) f t o iy whih tt s n ee n par t t iw E w il pa on YOUR be f t ULTI ATE NET LO SS i exces of t t ha $ l y hal he M n s he 5se u s. FieI s Co v Jv u B.I c, 9 S 2 8 ( a 20 7 . e r n . . . % , n .97 o. d 71 Fl. 0 ) . 6The a fda t i by W iln B. Noona Vi Pr i nt Rik M anage ent of Stuc ur fi vi s li m n, ce es de , s m , r t e Tone Sout e t a af i t ofPa r ni DE 46- ,a 2. The Cour pr ousy dialow e hw s , n ila e va a . 1 t t evi l s l d 'o na fo tsiyi a t c ran mat r ( 1 ) no e o whih ae e o s e b N o n r m e tf ng s o e ti te s DE 01, n f c r nc mpa s d y t po tonsofNoona saf vi ofe e t s he ri n' Gda t f r d o uppor Pava a ' quot a s ri . t r nis ed s e tons *ACE hasno de onsr t d t a i biiy ofa e usonsi t A CE polc . ; r t m ta e he pplca lt ny xcl i n he iy 5 a i bl lm isoft UNDERLYI I pplca e i t he NG NSURANCE .... DE 35- ,a 4.A snot a ' ' 1 t ed bove , Nowe , E ver I UNDERLYI NG I NSURAN CE' r e s t t Am e i n Hom e polcy, not t ' ef r o he rca i he S ubguar polcy.See su a not 3.A CE a s hi i s i Re y,t S he I ur nc ' d i pr e lo ghlght , n pl he ' r ns a e' Ot c a e i t Subgua d polc l us n he r iy: Thi i ur nce s lbe e s o y and non- rbutng ove a ot rva i s ns a hal xce s nl conti i r ny he ld a c l c i e i ur nce a ia e t you,whehe s h ot r i ur nd ole tbl ns a va lbl o t r uc he ns ance i s sa e t be prm my,pr r t c rbut y,exce s c i ttd o i o a a, onti or s , ontngent or ot r ie , he w s , unl s s h ot i ur e s uc her ns ance i w rit n onl as a s i exc s i ur s te y pec sc es ns ance overt lm isofi ur he i t ns anceprovi d i t sPolc de n hi iy. DE 3 - a 9 (mp ssa de l8ACE a g e t tt S g r p lc i no e e so e t e 5 2, t e ha i d d . r u s ha he ub uad o iy s t xc s v r h ACE po iy ( n te e o e mus b e h u td b fr t ACE p iy i tig r d b c u e lc a d h r f r t e x a se e o e he olc s rg e e ) e a s t emphasz lnguage i t above pr son e br es t ACE polcy.Thi a gum e he i ed a n he ovii m ac he i s r nt f l.Unde no r di of t ACE polc i i wrte onl a a s il e s i ur nc ais r ea ng he iy s t it n y s pec fc xces ns a e overt lmis ofi ur he i t ns ance pr de i t Subguar polcy.ACE' Am ended M oton f ovi d n he d i S i or Su r J d n ( 3 )i d nid. mma y u gme t DE 5 s e e I V. AC E' Sec M oton f Sum m arv Judem e ( 66) S ond i or nt DE I ACE' s c nd m oi n f rs mmayj d me ( 6 ) i a g st tc e a e i n S eo to o u r u g nt DE 6 , t r ue ha ov r g s b r d unde t ACE polcy bec us ic are r he i a e dompl t d pr e e oduc s c r ge'does not e s f t ove a ' xit or Pava aniscl m .Thepolcy pr sonst ta er l vantt t sa gum e f l . r ' ai i ovi i ha r e e o hi r nt olow The ACE polc pe i orgi ly e ng on Ja r 25,2008,was e e i y rod, i na l ndi nua y xt nded by a n a menda or endor em e t M ay 31 2008, i e ha t y s nt o , n xc nge f a a tonal pr m i of or n ddii e um 8The ACE polc cont ns a s t ntvel i ntc pr son. DE 35 1 a 9 (1F OTHER iy ai ubs a i y de i al ovi i -, t i 1 I SURANCE,whet r c l tbl o not i a l e t t I SURED coverng a l s t t N he olec i e r , s vaiabl o he N i os ha i alo cove ed by t spolcy,ot rt n apolc t ts i ly wrte t a y i e es s s r hi i he ha iy ha pec sca l it n o ppl n xc s oft s polc t i ur nce a f ded by t s polc s la y i e es of a s lnot hi iy, he ns a for hi iy hal ppl n xc s nd hal c nrb ewi s h OTHER I URANCE.I o tiut t uc h NS '. ' 6 $ ,0 DE 9 ! 1 By a spa ae e o s me ttte l o ucsco ee Op rto s 750 0. 0 0. e r t nd re n ild d d t/ mpltd e ai n pr Extnson Perod, i was agr e i i ' t ' eed t t a fve- r e e i of t Pr ha i yea xtns on he oduc scom pl t d t/ ee Op rto Ha a d S l c mme c a t tme t tt p oe tha b e c mpltd a e ains z r s l o n e t he i ha he r j c s e n o ee nd wi a ept d by t owne . DE 35- a 13.The endor ementadde t f l i defnii t cc e he r' ' 1, t s d he olow ng i ton o t A CE polc S he iy: S PRO DUCTS/ M PLETED O PEM TI NS H AZARD m eans a1 CO O l ij r o da g c e e b a d d sne a ben wihn t e PRODUCTS/ n u y r ma e ov r d y n e d s i g t i h COMPLETED OPERATI S c a pur uantt t UNDERLYI I SUR AN CE.' d. ON over ge s o he NG N '1 ACE ar s t t t r s C pl t d and a pt d by t owne ,'as us i t gue hat he e m ' com e e cce e he r' ed n he e ndor eme ,t e cl a a una bi s nt ' ar e r nd m guous on t i f ce,'DE 66,a 9,a t tt e wor her a ' t nd ha hos ds nec s rl equalt da e t t fnal c ri a e of occ nc was is es a iy he t hat he i e tsc t upa y s ued- l anua y 29, r 2009.ACE alo a gues t tt ale pr pe t da age t gi rs t Pava a ' cl m s r ha he l ged o ry m hat ves ie o r nis ai f i mniy was dic r d i J y 2008. A CE concl s t t beca e t cli e or nde t s ove e n ul ude ha us he a m d d ma so c re d rng atme a trt po iy tr e de ( a 31 20 ) b tb f r t a ge c u r d u i i fe he lc e m n d M y , 08 , u e o e he P o u t/ mpltd Op r to Extn in Pe i d be n (a uay 2 ,2 9 ,t y ae no r d c sco ee e ains e so ro ga J n r 9 00 ) he r t c r ove ed. Ot r t n t di i y a ACE' I e di t ACE ofe s no s he ha he ctonar nd S ps xi, fr uppor f is t or t c e i n t t t phr e Sc ont nto ha he as somplt a ac pt d by t owne ' as us i t e ed nd ce e he r' ed n he e ndor e e ne s a iy e l t dat t t tnalce tfca e ofoc s m nt ce s rl qua s he e hat he i rii t cupa y wa is nc s s ued. Pa r ni diput s t s pr va a s e hi oposton. I a gues t t t Pr ii t r ha he oduc scompl e Ope atons t/ et d r i Ext nson Perod bega on t e le da e ofM a 22,2008,bec e l ofM a 22,2008, e i i n he arir t y aus i as y whe te ls TCO (e o ay c riia eofoc u a c wa is d,t e e tr Prj c wa n h at tmp r r e t c t f c p n yj s sue h n ie o e t s s b t nily c mplt a c u d b u e b te Owne f risitn d p m o e'DE 9 !6. u sa tal o ee nd o l e s d y h r o t ne de u s . ' 0 AsofM a 22,2008,Te r ADla c y r and ondom i um uni owne st c r oft unis and ni t r ook ontol he t , 7 Te r r a ADl s d muli e unist i vi ol tpl t o ndi dualc ondom i um uni owne s bew e M ay 22 a ni t r t en nd M a 3 2 8. d a ! P6 Th wo dsS o ee 'a i c e e ' r no lse i t y 0, 00 1 . t ! -P7. e r l mplt d' nd t c ptd'a e t itd n he c a defnii s tons of t a i a e polci , a t onl pl i t polci w he e i tons ec i he pplc bl i es nd he y ace n he i es r i pl t d' i gi n a m ea ng i i t Hom e A s ur nc polcy' desnii ofSpr s com e e ' s ve ni s n he s a e i s ton d oduc s t- c mplt d o e ains h z r ' ( ih i i o po ae i t t ACE po iy b te o ee p r to a a d' wh c s nc r r td n o he lc y h e o s me t, n rwhih t o wo k'c n b de me i omplt d'swl nt tpa t t e nd re n ) u de c ç ur r ' a e e d k y c ee 'i he ha r of h g wo k d nea aj b st ha be n pu t isi e d us . .' DE 3 - ,a 2 (mp ss r o t o ie s e t o t nt nde e . . ' 5 3 t 3 e ha i ad d. de) I t a e ofc r lng aut iy ast t mea ng of<compl t d a ac ept d n he bs nce ont oli hort o he ni k e e nd c e by t owner'a us i t ACE polc s endor em e ,and gi n Pavar nis s he ' s ed n he i y' s nt ve a ' uppore td a s ri nsa t t sa e ofa f r i M a 2008 whe t t m por r ce tfca esofocc nc s e to s o he t t fais n y n he e a y rii t upa y we e is d, t r ar ge nel diput d is r s ue he e e nui y s e s ues of m at i l f ct a t whe t era a s o n he Pr oduc scomplt Ope a i Ext nson Pe i be n.Pava a ' a s ri ,i c edied by t/ e ed r tons e i rod ga r nis s e tons f r t t f ti r s he ac fnde , how t t t Ext i Pe i be n bef e J y 2008. The Cour ' ha he enson r od ga or ul ts r s uton oft sis make i unne s r t r ch t pa te ar e ol i hi s ue st ces a y o ea he ri s' gument ast whehe t s o t r he ale pr pe t da a w a dicove ed i J y 2008 ora s l ged o ry m ge s s r n ul t ome ot tm e. her i = V Conc u, on l i The ef e,i i ORDERED,ADJUDG ED ,and DECREED a f l : r or t s s olows 1 Th tACE' Ame e M o in frSu r J g n ( 3 )b ,a t e s me . a S nd d to o mmay ud me t DE 5 e nd h a i ,he e DENI . s r by ED 2. Tha ACE' M oton % r Sum m a y J t S i r udgm e as Com plt Pr nt e ed oduc s Cover ge t a Do sNo Exitf rte Pli ifs Cli ( 6 b ,a t e s me i,h r b e t s o h antf ams DE 6) e nd h a s e e y D EN I . ED 8 DO NE and O RDERED i Cha be s a t J m e La ence Ki Fede a J tce n m r t he a s wr ng r l usi Buidi a Unie St esCourhous , M im i Fl i t s25t day ofFebr ar 2015. l ng nd t d at t e a , orda, hi h u y, 4f ' + > ! ' . , c c: ' A 1 Couns ofRec d l el or 9 J ES LA N CE KI G N I TED STM a DI ES STRI J DGE C SOUTHERN DI STRI OF ORI CT DA
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