Great American Insurance Company of New York v. The Towers of Quayside No. 4 Condominium Association, Inc., No. 1:2015cv20056 - Document 30 (S.D. Fla. 2015)
Court Description: ORDER Granting In Part 20 Motion for Summary Judgment. Signed by Senior Judge James Lawrence King on 11/4/2015. (jw)
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Great American Insurance Company of New York v. The Towers of Quayside No...minium Association, Inc. Doc. 30 IN TH E UN I TED STA TES D I STRICT CO U RT FO R TH E SO UTH ERN D I STRICT O F FLO R I DA CA SE NO . 15- CV 20056- N G K1 GREAT AM ERI N I SURAN CE CA N COM PA NY OF N EW YORK , Pl ntf/ ai ifcount r D ef nt e - enda , VS. THE TOW ERS OF QUAYSI NO. DE 4 CON DOM I I N UM A SSOCI ON , ATI D ef nda / e ntcount r pl ntf . e - ai if O RD ER G R ANTI G I PAR T PLA I FF/ UN TER - EFENDA NT ' N N NTI CO D S M O TION FO R SUM M ARY JUDG M ENT TH I CAU SE com e bef e t Cour upon Pl ntf/ S s or he t ai i fcount r Def ndantGREA T e- e AMERI CAN I NSURANCE COM PANY OF NEW Yol ' ( r i fe : antf o G s he ena tr ç i if' r pl i le t rc n' M o i f rSumma yJ d n a l o por t dM e r nd of i r a Ame ia ' ton o t ) r u gme t nd nc r a e mo a um La i S po tTh r of(he1 o i n' ( 20 ,fld M a 2 201 . w n up r e e t : to ' DE ) ie M ) y 0, 5 1 BA CK G R O UND 2 Gr a Ame i a is d Qua sd apr pe t i u a epolc f rt pe i of e t rc n s ue y i e o ry ns r nc i y o he rod Febr y 2,201 t Febr y 2,201 The polc pr ded fr tpa t pr uar 3 o uar 4. iy ovi is - ry opery i ur nce t ns a c r f t pr i esl ed at4000 Tow e sde Te r ,M i i Fl i 33038, ove age or he em s ocat ri r ace am , orda 1The Cour ha addii l c der Def t s tonaly onsi ed endantcount - ai ifTHE TO W ER S OF / er pl ntf QUAYSI NO.4 CONDOM I UM ASSOCI ON ' ( r i he û f n nt'o DE NI ATI S he ena r % e da ' r De û ysde' M e r nd i Op sto t Pli ifsM o in f S t oua i ' mo a um n po iin o antf ) to or umma y J dg n r u me t a I o po ae Stt me tofM ae i l c s( 25 ,fld J e29 2 1 , n Pli ips nd nc r r t d ae n t ra Fa t DE ) ie un , 0 5 a d antf Re y i Su r ofisM oto f rSu a yJ gme t( 28 , ie J y 1 ,2 5. pl n ppo t t in o mm r ud n DE ) fl d ul 7 01 2The f l i f t ar undiput . olow ng ac s e s ed 1 Dockets.Justia.com whih ic u sac o ni m bui ng t ti t s b e toft sa to 3On Fe u r c n l de ond mi u l ha s he u j c hi c in. di br a y 11 201 ar eas ofw a e fom a br n val on an ai condii ng uni i t , 3, el e tr r oke ve r toni t n he buidi caus w at rda age t t dr al,cam etng,bas l ng ed e m o he yw l i eboa ds i ulton,and r , ns a i walpa ri t e thalways oft e event foorand t toor bel .Fl s t e l pe n he as l he l h l he l s ow oor hr e t ough t e y-i oft buidi ha a uni or appea a by desgn wih r s tt hr w nt fve he l ng ve f m r nce i t e pec o t ca pet w alpa ,and w oodwor i t com m on a ea halw a The car ed e t he r , l per k n he r l ys. pet as halwaysoft buidi ar s r t fom t car ed w es halw a by a tl el t l he l ng e epa a ed r he pet t l ys ied eva or l ng on e foor4 andi ach 1 . Qu ysdes bmitd aca m t Gr a Ame i a f rl sa d/ rd ma t t a i u te li o e t rc n 0 os n o a ge o he buidi arsng f om t r eas ofw at r i udi l t ala,l s a orda a t l ng i i r he el e e , ncl ng, ' er i os nd/ n m ge o d yw al,ca petng,bas l l r i eboa ds i ul i and w alpa roft eas ha l r , ns aton, l pe he t lways oft he ee nt to a to r beow.Gr a Ame i n p i Qu ysdeat t lo $1 0, .4 f lve h l or nd l o s l e t rca a d a i o a f 7 2918 or t eda g t t e s ha l ysoft e e nt too a t too sbeo Qu y i h ma e o he a t lwa he lve h l r nd he l r l w. a sde a s t t tt sam ountdoesnotf l com pens t i f t diectphysi l scaus by s ers ha hi uly a e t or he r cal os ed t w a erdam age. he t Ad iina l Qu y ies u tc e a et r parorr plc u da g d c r tng d to ly, a sd o gh ov r g o e i e a e n ma e ape i , wal pe ,b s b r , ndwoo r i 1 t we thal ysa e e t lndi of l r a e oa ds a pa dwo k n ) he s lwa nd lvaor a ngs t ee e nt fo ra to sb l a 2)too st l t o ght nt -i e Qua i h lve h l o nd l or eow nd l r weve hr u we y fv . ysde c e i i e il t r pai orr acem e oft e undam age component beca e ont nds t s ntted o e r epl nt hes d s us 3''e buidi i t e yl ng s w nt sve s ores t i . Th 4 Bas upon t pari r pec i s a e ent of f t , i i uncl r as t w het t ed he tes' es tve t t m s ac s t s ea o her he bas boa ds w oodw or and w a l per of t e t and w e t halw a ar sm iary e r , k, lpa he as s l ys e i l l s pa at by t el or l ng on eac toor or whe he t bas boa ds w oodw or e r ed he evat andi h l t r he e r , k, a w alpape a e contnuousr ac os e h toor nd l r r i uns r s ac l . 2 1 i wil he wieno bep sbl t a hivea shei unio miy b t e t n w ) t l ot r s t os i e o c e e t tc f r t ewe n he e ca petng,w alpaper bas r i l , eboar ,and w oodw or i t l i t ar t s f e w a er ds k ns aled n he ea hat ufer d t da gea d t er s o t b l nga d 2)t e l sofa sh tcu f r t de l st ma n h e t f he uidi n h os e t e i nio miy vaue he buidi and cons iut a l st t buidi Gr atAm ercan di put s t spos ton,and l ng tt es os o he l ng. e i s e hi ii i o me Qua i et a n c ve a ei a a lbl f rrpa rorr pl c me o b l n nf r d ysd h t o o r g s v ia e o e i e a e nt f uidig c ompone st wer notphyscaly dam aged. nt hat e i l Thepolc sDif r nc i Con to (1 C' Co r geFo m pr vi s i tr iy' fe e e n diins i ' ve a D1 ) r o de , n e t/t,;W e w ilpay f your Sos t Cover Pr t fom a Cover Ca e ofLos .' z/z ç l or l s' o ed opery r ed us s' The D 1 D ecl atons f m pr des i e t/t,I I DiectPhysi ç- s'Them os C ar i or ovi , nt r zïz O C r cal l os t wewil y f rd r c phy ia Sos 'fo aCo r d Ca eofLos . . s. .(helm is lpa o ie t sc l l s r m vee us s .i . t i t o is a c s tf rh i t polc .'Asa nd dby a e o s me t t pole d sne f n ur n e e o t n he i yl' me e n nd r e n , he i y e s û û cove e Caus ofLos ' asl r tphyscalûos t Cover Pr t exc ptt e rd e s' û ec di i l s' o ed opery, e hos c esofios lsed i t exc usons. Thr aus l s' it n he l i ' ough is Spe sed Caus ofLos For ,t ' t ci e s m he polc s fc l excl i y pecii aly udescover ge f cons a or eque i l s whi i defne asç el ntal os , ch t i s ' ay, D l sofus l sofm ar t ora ot c equentall .' os e, os ke , ny her ons i oss' Thr g tei tntmoin Gra Ameia s e ss mma yj gme to Co tI ou h h nsa to , e t rc n e k u r ud n n un ofisCo a n , i hr q sst ee ty ofa l e lra injt tGr a Ame ia ha no t mpli t wh c e ue t h n r l c a l to ha e t rc n s d o i ton u e t ( o iy t p o dec ve a ef rparo r plc me tofbu l i blgai nd r he pl lc o r vi o r g or e i r e a e n idng com ponent t tdi nots t n diec physi l sorda a ....' s ha d usai r t cal os m ge ' LEG A L STA ND AR D l Cou ts l g a s mmay j gme ti t e mo a t s ws t a t r i no k The r ha l r nt u r ud n f h v n ho h t he e s g n ned s e a t a ma e ilf c a t mo n i e tte t j g nta amatr e ui iput s o ny tra a t nd he va t s n ild o ud me s te 3 o lw . Fe R.Ci P.5 ( ) A pa t a s ri g t a a f c c n tbe o i g n ney f a ' d. ' v. 6 a . ry s e tn h t a t a no r s e ui l diput m us s s ed t uppor t as e ton by lcii t pari ul r pa t of m a e al i t t he s r i s tng o tc a rs t ri s n he r or i udi de tons doc e s el r c l s or d i or a i af i t or ec d, ncl ng posii , um nt , ectoni aly t e nf m ton, fdavis d ca ai ns siulto (ncudig t s ma e f r pu po e of t mo i o y) e lr to , tp ai ns i l n ho e d o r s s he ton nl , a is ons i er oga or a wer or ot r m at ral 'or s i t tm a eral cie do dm s i , nt r t y ns s he ei s , how ng ha t i s td notes a ih t abs nce orpr enc ofa genui diput ort tan a r epary ca t bls he e es e ne s e, ha dve s t nnot pr u e a s i ee de et s po t hef c . 1 .a 5 c ( ) û n de e mi ngwhehe od c dmisbl vi nc o up r t a t' d t 6( ) 1 .û t r ni ' l t r s umma y j me ti a pr p it ,t f cs a i ee e fom t f c sa e viwe i r udg n s p o rae he a t nd nf r nc s r he a t r e d n t lghtm os f abl t t non- ovi pary,a t bur i pl he i t avor e o he m ng t nd he den s aced on t m ovi he ng pary t e t bls bot t a e t o s a ih h he bs nce of a genui m a eral f t and t t i i e il t ne t i ac ha t s ntted o j g nta amatroflw. M as s t Elc I du .Co.v Ze t Ra o Cop. 47 ud me s te a ' tu hia e . n s ' . nih di r , 5 U. 57 58 - 7 ( 98 ) S. 4, 6 8 1 6 . I o sn amoin frs n ppo ig to o ummayj gme ,teno movn pat ma no r l r ud nt h n- ig ry y t ey s el on t pl ngs but m us s ol y he eadi , t how by afi t , depos tons, ans e s t fdavis ii w r o i er oga ores and adm i sons t s ii f t e s dem ons r i a ge ne i s f nt r t i , si hat pec fc ac s xit tatng nui s ue or til Se Fe R. v. 56 c , e ;s e as Ceo e Co p.v Catet 47 U. 31 3 ra . e d. Ci P. ( ) ( ) e lo l tx r . r t, 7 S. 7, 23 2 ( 98 .Fu te ,t e itnc of a S cntla'o e d nc i s ppo t of t non 4 1 6) rh r he x se e s i il' f vi e e n u r s he - mo a ts posto i i ufi in ;t r mus be e d n e o wh c t j y c ul v n' ii n s ns fce t he e t vi e c n ih he ur o d r ona y 5nd f t non- ovant Ander en v Li t Lobb I ,477 U . 242,252 eas bl or he m . s . bery y, nc. S. ( 98 ) Li wie a c r ne d no pe mi ac s t go t aj ' whe t i e e e t a 1 6 . ke s , ou t e t r t a e o o ul y n he nf r nc s h t a e dr r awn f om t e dence,and upon w hi t non- ova r i ,a e çi pl usbl ' r he vi ch he m nt eles r km a i e.' Matu ht 475U. a 5 2-4;Miev Jf es C / Bd O s s ia, S. t 9 9 z . efron 7y . fEdu . 93 F. 7 ,7 c, 3d 39 43 4 ( 1hCi.1 96 . 1t r 9 ) Att s he ummayj me tsa e t j gesf ncini no t û i t e ie e r udg n tg ,he ud ' u to s t o û gh he vd nc we and det r i t tut oft m a t r butt de e m i whet t e i a genui i s e m ne he r h he te , o t r ne her her s ne s ue f ti . Ander on,477 U . a 249.I m a ng t sde er i i t Cour m us dec de or ral' ' s S. t n ki hi t m naton, he t t i whi is a e m at i .A m a eralf ti one t m i afec t out om e oft cas ch s ues r eral t i ac s hat ght f t he c he e. 1 at248.C nl diput s ove f st tm i af ec t out e of t s t unde t d. i y s e o r act ha ght f t he com he ui r he go enig 1w wilpr p ry prcud t e ty ofs mmayj gme t Fa t ldipue v r n a l o e l e l e he nr u r ud n . cua s ts t a e ir eva orunne s r wilnotbe count '1 The Cour m us alo de e m i hat r r el nt ces a y l ed. d. ' t t s t r ne whe he t diput about a m a eralf t i i t r he s e t i ac s ndeed ge ne,t t i ,Ci t evi nce i nui ha s ûf he de s s c ta ar a o bl j y c l rtr aveditf t no vigpa t 'f ; e ,eg. u h h t e s na e ur oud eun r c or he nmo n ry. #.s e . , ' Ma ieCo igso a.l c v tdSt e , 2F. 1 70,1 75( 1hCi.1 1. rn atn fAl , n . .Unie ats 93 2d 3 3 1 t r 99 ) DISCUSSI N O Gra Ameia mov sfrs mmayj dg nto iscam f ade lrtonta e t rc n e o u r u me n t li or caai h t t ep iy d sno e tteQua sdet c v r gef r plc me tofu a ge b l ng h olc oe t n il y i o o e a or e a e n nd ma d uidi com pone st as ur ae t tcunior iy be w e dam aged buidi com ponent t nt o s e s he i f m t t en l ng s hat m us ber pl ed a t unda age buidi c t e ac nd he m d l ng ompone s.I s nt n uppor ofism oton, t t i Gr atAm erca r i on t polcy' lm iaton ofcove a t 'diec physcall ' and e i n eles he i s i t i r ge o s r t i oss' e i i e l i o c ve a f c ns q nta l s .Fo ispa t Qua i ea gu st t xplct xcuson f o r ge or o e ue il o s r t r, ysd r e ha t m eas e ofr he ur ecove y unde t polcy m us be de er i fom t per pe i of r r he i t t m ned r he s ctve dam a t t buidi asa whol t t buidi asa whol s f r diec physcal ge o he l ng e, hat he l ng e uf e ed r t i dam a f om w a e and t tt polcy c s al cos sne s y t r t e t buidi ge r t r, ha he i over l t ces ar o esor he l ng t ispr l s a t i l unior condii o t e-os , eshetcaly f m ton. 5 Qua i ' i t r r t to n t t t n ng,hepo iy pli y o y pr vi e ysde s n e p e ai n o wihsa di t lc anl nl o d s cove age f ûdiectphys call s' s fc l excl r or ç r i os ,' pecii aly udescove age f cons r or equentall s i os , and m a no m enton ofç at hi 'ori t i unior iy' a al.W hie t Cour kes i l c ng' i hetc f m t ' t l m aes l he t fndst cove a f m at hi f t pur e ofachi vi aeshe i unibr iy,i i hat r ge or c ng, or he pos e ng t tc f m t s a r praewheerpar c nc r û nyc ni usr o a ie o a j ni ae 'fr pp o it r e is o en l o tnuo un f n tm r doi ng r a'o a m a eral s a w alpa ,bas t i s uch s l per eboa ds w oodw or a ca petng,i i pl n t r , k, nd r i t s ai hat m at ng i notot nvi e r quied undert polc See Ocean Pï w Tower As ' I chi s he s e r he i y. re s s n, nc. v QBE I s Cor , 1160 47, 1W L 6 40 ,a #1 n. ( D. a De . . n . p. No. - 4 201 75 63 t 2 4 S. Fl . c 22, 2011 ( o a J) To h d ohe s wou d d vi e et et e t pa te 'mut a d te ) Sc l , .. ol t nvie l o olnc o ih r he ri s u l u is ofgood f ih ort pl n t r soft polcy. at he ai e m he i Accor ngl t Cour fnds Gr A m e i an i entted t a de a a i t ti has di y, he ti eat r c s il o cl r ton ha t noob i to t p o d c ve a t rplc 1 un m a dc lgai n o r vi e o r ge o e a e: ) da ge ompo n so too st l ne t n l r weve t r u t nt fveo 2 u ma d c m e i i t we thal ysoftoo st e h o gh we y-i r ) nda ge a tng n he s l wa l r hr e 5 her he l pe , eboa ds and t ough el ven. Howeve ,a i i unc ea whet t w alpa r bas hr e r s ts l r r , woodw or on toor t eet ough el ven f m a contnuousr f om one e oft k l s hr hr e or i un r nd he buidi t t ot ,orwhet rt e com ponent ar s r t f om each ot ri t l ng o he her he hes s e epa a ed r he n he s em a am nnert c petng i t eas and w es halwaysi s at by t ce r he ar i n he t t l s epar ed he ntal el va orl e t obby on e toor Gr Am erca hasf l t es a i h i i e il t ach l , eat i n aied o t bls t s ntted o s mmayj dg n wihrs c t whehe i mus prvieS thig'c vea fr u r u me t t e pe t o t r t t o d û c n ' o rge o ma t ecom ponent hes s. 5W ih r pectt t ca pe i , t undiput r d esabls s t tt c pe i does t es o he r tng he s ed ecor t i he ha he ar tng notf m a c i or ontnuousr fom one end oft buidi t t ot . un r he l ng o he her 6 CON CLU SI N O The ef e, i i r or t s O RDERED, A DJU D GED , and D EC REED t t ha Pl i ifcount - e a ntf/ er Def ndantGREAT A M ERI CAN I SUR AN CE COM PA NY OF N EW N YORK' M o i n f r Summa y J g e t ( 20 be a d t s me i, he e y S to o r ud m n DE ) , n he a s rb G R AN TED I PA RT. N DO NE A ND O R DERED i Cham be s at t Ja es Lawr nce K i Feder n r he m e ng al J tce Buidi a Unied St t Courhous i M i i M i m iD ade Count Fl i us i l ng nd t a es t e, n am , a y, or da, t s4t da ofN ovem ber 2015. hi h y , t M ES LA W REN E K I G N I TED STA TES D I STRI J G CT UD C c: AI c I ouns ofre el cord 7
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