Rodriguez et al v. Liberty Mutual Insurance Company, No. 1:2016cv21926 - Document 45 (S.D. Fla. 2017)

Court Description: ORDER granting 22 Defendant's Motion for Summary Judgment. Closing Case. Signed by Judge Federico A. Moreno on 3/2/2016. (mmd) NOTICE: If there are sealed documents in this case, they may be unsealed after 1 year or as directed by Court Order, unless they have been designated to be permanently sealed. See Local Rule 5.4 and Administrative Order 2014-69.

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Rodriguez et al v. Liberty Mutual Insurance Company Doc. 45 UNI TED STA TES D I STRI COU RT FO R TH E CT SOUTHERN DI STRI OF FLORI CT DA Cas Num ber 16- 926- V- ORENO e : 21 Cl M RI RODRI NA GUEZ a FM NCI nd SCO ROD RI EZ, GU Pl ntf s ai i f , VS. LI BERTY M UTUAL FI I RE NSURANCE COM PANY, D ef endant . O R DER G R AN TI G D EFEN DA N T ' M O TI N FO R SU M M A R Y JU D G M EN T N S O I 2005,Pli if fld apr pe t i ur ecli a t Def nda Li ry M ut lFie n antfs ie o ry ns anc a m nd he e nt be t ua r l ur nc Compa pai t m $9, 45. t c r t da ns a e ny d he 1 05 o ove he mage ca e by Hur iane Ka rna us d rc ti . Pli if a ce ed t pa e t t was a compa e by a lte i c tng t t i was a antfs c pt he ym nt ha c nid et r ndi a i ha t c pl t r vi of t cl i . Pl ntfs a e e t tamount i 2005, t n waied a de a om e e e ew he a m ai if cc pt d ha n he t c de untl 201 t r ue t an a a s , whi t i ur nce c i 5 o eq s ppr ial ch he ns a ompa de e . 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Dockets.Justia.com THI CAU SE ca e be or t Cour u S m f e he t pon Def nda ' M o i f Sum m a y J e nts t on or r udgm e nt ( E.22) fl on Ocober18.2016. D. , ied t THE COURT has c i r t moton,t r pons , t peri nt pori of t onsde ed he i he es e he tne tons he r cor a beng ot r s f l a s i t pr m ie ,i i e d, nd i he wie uly dvied n he e s s t s A DJU DG ED t tt m oton i GR AN TED .I i al o ha he i s ts s ADJUDG ED t tal ot rpe ng motonsa eDENI asm oot ha l he ndi i r ED . Bac ound kcr Pl i if ,t i ur ds a e s ng t i hom eow ne ' i ur e c pa f da a a ntf s he ns e , r ui he r r s ns anc om ny or m ges s f r t t i pr pe t durng Huri ne Karnaon Augus 25,2005. TheDe e nt Li ry ufe ed o her o ry i rca ti t f nda , be t M ut lFie l ur nceCompa a kno ldge c r a ma apaymen t t Pli ifon ua r ns a ny, c w e d ove age nd de t o he antf Oc obe 23,2005 i t a t r n he mountof$9, 45. Pli if t sii d t we e dis tsi d wih t 1 05. a ntf s e tfe hey r s a ife t he a mount of t pa nt t y r eved i 2005. Des t beng dis ife Pl i if di no he yme he ec i n pie i s atsi d, antfs d t pur ue a diput wih Li ry M ut la t tm e. Al os t n ye r lt r on J y 8,201 s ny s e t be t ua t he i m t e a s ae , ul 5, Pl ntfs fld a s eme a cai i c ai if ie uppl nt l l m n onne i wih t Huni ne Karna l s a cton t he ca ti os nd de a d a aia . On Septm be 23,201 Li t M ut de i t a a s de m nde ppr s l e r 5, bery ual clned he ppr ial mand s a i t s a u e of lm ia i t tng he t t t i t tons e r d. Pl i if ' A m e d C o pl i i f br a h of xpie a ntf s nde m a nt s or e c c n rc a d a d ca ao y j d me t ta c v r g e it fr t ls . Mo e s e iial o ta t n e lrtr u g n h t o ea e xss o he o s r p cfc l y, Pl n if 'c ai f br ac of c r c s a es t tLi r y M ut lbr ac d t c r c whe i ai tf s l m or e h ont a t t t ha be t ua e he he ont a t n t f ie t S c wl a ld o i kno edge c r f t l s a or a knowl a ove age or he os , nd/ c edge t t pa e woul be ha ym nt d f t om i a orm a a pa e of i ur nc pr e t t I ur d. The dec a a or orhc ng; nd/ ke ny ym nt ns a e oce ds o he ns e ' ' lrt y j udgme c r que t t Cour hol S ove a doese s f t l s' nt ount e ss he t d ç r ge c xit or he os . ' Lie t Mu u lmo e f rs mmayj d me ta g igt Plitfs b e c o c n rc i b ry t a v d o u r u g n r un he an if' ra h f o ta t s ba r d bec us t undiput f t s re a e he s ed ac s how t tLi ry M ut pai a di notde Pli if s ha be t ual d nd d ny a ntf Nete p ryh sma eag me t o wh te tejzidcin l mo n h sb e me.l tea sn eo e ie c ih r at a d ru ns n eh r h l s ito a a u t a e n t n h be c f vd n e r p ee tdt tec nrr,h Co rfn ta tej rs ito a a u t a b e me. rs ne o h o tay te ut ids h th uidcin l mo n h s e n t 2 2005 c am . I a ton,t De e nta g sFl i ssaut oflmia i , s c i n 95. 1ba s l i n ddii he f nda r ue orda' t t e i t tons e to 1 r Pl i if 'c am s Li ry M ut lalo mai ai t tPli tfs f iur t gi pr ptnotce antfs l i . be t ua s nt ns ha a n if ' a l e o ve om i ne t a la lt i t sca e. ga es ny i biiy n hi s Le lSt nda d ga a r S mmayj d me ti a t rz dwh r te ei n g n n is eofmae ilfc Fed. u r u g n s uho ie e e h r s o e uie su tra a t . R. v P. 6 c.Thep rys e i gs mma yj d me tb a st eiiil u de o de nsrtn Ci . 5 () a t e k n u r u g n e r h nta b r n f mo taig t a e e ofage ne is ofma e i lf c . Adik s v S.L Kr s drCo., 398 U. 1 1 he bs nc nui s ue t ra a t ce . I es S. 44, 57 ( 9 0 . Th p ry o p sn te moi n f rs mmayj d me tma n tsmpy r s u o mee 1 7 ) e a t p o ig h to o u r u g n y o i l e t p n r a lga i or de al of t pla n ; t nonle tons ni s he e di gs he movi pa t mus esabls t es e il ng ry t t ih he s nta el m e s ofis ca e on w hi h i w ilbe r t bur n ofpr a t i l Ceotx Cor v Cate t e nt t s c t l a he de oof t r a . l e p. . r t, 477 U. 317( 98 ;M atu hia Elc I s Co.v.Ze t Radi Cor ., 475 U. 574 ( 986) S. 1 6) s s t e . ndu . nih o p S. 1 . The normova m us pr s ntmor t n a s ntla ofe de i s ppor of t nonm ova ' l nt t ee e ha ci il vi nce n u t he nts po iin.A j r mu tb a l ra o a yt fn f rt en n v n . d r o v fi rt Lobb sto u y s e be e s n bl o id o h o mo a tAn e s n be y y, . I c, 7U. 2 2, 4 ( 9 6 . n .47 S. 4 25 1 8 ) Anal i vs s A . Br c ofCont a t ea h rc t-he e e nt of a br ac of co r c aci a e:( ) a vai c rct () a maei d- l me s l e h nta t ton r 1 ld onta ; 2 tral bra a ()da s' Abbot Labs,I v.Gen.El .Capial 765 So.2d737,7 ( a.5t e ch; nd 3 mage .' t nc. ec t, 40 Fl h DCA 2 0 ) Ats mmay j d me t t e p ris d s u e wheh r a b e c oc u r d Li ry 0 0. u r u g n, h a t ip t e te r a h c re be t . M ut s i di no br a h t i ur nc polc be us i 2005 i pai $9, 45. f t ual ays t d t e c he ns a e iy ca e n t d 1 05 or he c am a is i t sc e. Pli if as e tLi ry M ut br a he t c r c whe i de e l i t s ue n hi as antfs s r be t ual e c d he onta t n t nid Pl i if 'a aia r s on Se e antfs ppr s l eque t pt mber23, 2015. Teli y,Pli if Am e lngl antfs' nded Co pl ntsa est De e ntbr che t c r c by m ai tt he f nda ea d he onta t Cailng)t ()ac s li o:i knowl c r gef t Los ;a or(i ac f edge ove a or he s nd/ i) knowl t tpa twoul edge ha ymen d b f rh o n a d o (i)ma e a y pa me to i u a e pr c e s t t i s r d' The e o tc mig; n /r ii k n y n f ns rnc o e d o he n u e ' . br ac ofc r tcai sa e i t Am e e h ontac l m tt d n he nded Compli ti noti lne wih Pl ntfs posii an s n i t ai if ' ton a s mmayj d me t-t a teb e c o c nrc i ted nilo t er q e tf ra p asl The t u r u g n h t h ra h f o ta t s h e a f h e u s o p r ia . undiput e de doesnots s ed vi nce uppor t br c des rbe i t Am e t he ea h c i d n he nded Com pl nt Ra he , ai . t r i s w sLi ry M ut lac t ho be t ua knowldged co r ge f t l sand m a pa e t t Pl i if e ve a or he os de ym nt o he antfs i 2005. n Stt t o i tto s a ue fL mi in a Alhough t Am e d Compli f ie t sa e a b e h of c r tcli se i t he nde ant al d o t t r ac ontac am t mm ng f om t 201 de alof t a a s r ques , t Cour wilne t es e ua e whehert t r he 5 ni he ppr i al e t he t l verhel s val t t ha cam s r ie s mmay j d me t De e d n ag e Flrdas sau e o lmiain j 9 l1 li u vv s u r u g n . fn a t r u s o i ' ttt f i tto s 5 . i ttons ovi ha c i or ea h ba st cai . Fl i s sat e oflm ia i pr dest tan a ton f br c ofa pr t r he l m 2 orda' t ut opery i ur e c r tmus be fl wihi fve ye r oft c us ofac i a c ui . fi ns anc ontac t ied t n i a s he a e ton c r ng nares v. Uni e s Pr p.& Cas I s Co ,1 So 3 71 , 21( a 3 DCA 2 4 .Th fv - e rsaue v r al o . n . . 41 . d 9 7 Fl. d 01 ) e i ey a tt t oflm iai nsbegi t nm fo t dae oft br a h ofan i ur nc polcy, notfom t da e i t to ns o r m he t he e c ns a e i r he t ofl s Sae z v St e Far Fieand Cas Co , 6 S 2 6 6 ( a 3 DCA 2 0 ) os . n . at m r . . 8 1 o. d 4, 8 F1 . d 0 3. Reyi on Rio v St e Far Fl i I . Co ,1 3 So 3 1 1 ( l . d DCA 2 4 , l ng z . at m orda ns . 3 . d 1 4 Fa 3 01 ) Pli if a guet tt sa tng poi oft rsaut oflmia i i Septm be 23, antfs r ha he tri nt hei t t e i t tons s e r 201 ( n 5 whe Li ry M ut de e t a asl,rt rt Ocober23,2005 ( n Li ry M ut lpad be t ual nid he ppria) ahe han t whe be t ua i t $ 1 05) l Ri t i lrdsma acam on t rpolc i Ocobe 2005, and Stt hem 9,45. . n zo, he nsze de li hei iy n t r ae Fam pai t m i J r and Aprl2006. 1 I Oct r201 - f yea safe t pa e s r d he n anua y i d. n obe 0 our r tr he ym nt - t Ri m a an a tonalcli t twa de e . TheRiosfld s ti J y 2011and t he zos de ddii am ha s nid z ie ui n ul he i ur nc c pa a gue t saut oflmia i a i d t ba t s e ns a e om ny r d he t t e i t tons pple o r he uppl mentlcl m . The a ai Thid D it i t Cot tof A ppe he d t s a ut of lm ia i be n ac ui w he t O c obe r s rc l r al l he t t e i t tons ga cr ng n he t r 201 cli wasde e notwhen t i ta pa 0 am nid, he nii l ymen wa ma . t s de 2Fl i ssatt oflmiai wa a ndedi 201l Be us t daeofPl n ifsl socc rd i 2005 orda' t ue i ttons s me n . ca e he t aitf os ure n he ,t Co tw ila yt saut oflm iainsi efec a t tme. Bot pa tesa y t 2004veri o t saut i ur l ppl he tt e i t to n f t t he i h ri ppl he son f he tt e n t rbref. hei i s The Rio cour no e f c ualc r um sa es i s z t td a t ic t nc n uppo tofis hol ng. Fi s ,t Ri os r t di r t he z ' c ompl i w a cea t tt br a h wasf rt de a oft s e e a c am i 201 a di ant s l r ha he e c o he ni l he upplm nt l l i n 0 nd d notr f r nce a o he br c Sec nd, he i ur nc c pa m a no i c ton t tt 2006 eee ny t r ea h. o t ns a e om ny de ndi a i ha he pa e swe e f la fna pa ym nt r ul nd i l ymen s.Thid,t Ri osad s d t i ur t r he z vie he ns mwe co pa oft r m ny hei s e e alcli wihi t lm ia i pe i Thos cic t espa ty ditnguih Rio upplm nt am t n he i ttons rod. e r umsanc rl si s z fom t sc e r hi as . l t sca e unlke Rio,Pl ntf sAm e d Compl i f br a h ofcontac i f a n hi s , i z ai if nde ant or e c r t s or f iur t a kno e c r f t 2005 l sa f iur t m a pa e . A ddii ly, al e o c wl dge ove age or he os nd al e o ke ym nt tona l t Pl i if he e,unlke t Riosdi no a s t i ur nc co pa wihi t lm iai ns he antfs r i he z d t dvie he ns a e m ny t n he i tto pe i t tt we e dis tsi d wih t 2005 pa rod ha hey r s aife t he ymen .Fi ly, t l t e a c pa ng t t nal he e t r c om nyi he 2005 pa e i t s c e i c t s t t Li ry M ut l c ym nt n hi as ndia e ha be t ua omplt d is r vi w and is d a ee t e e s ue pa ntf rr part da yme o e i o mage pr ry. Alhough t r i no e de t t 2005 pa d ope t t he e s vi nce hat he yment waslbe e t ul a fna , t l te saest ti aco plt r viw oft c am . Se Luc ano a l d d l nd i l' he el r tt ha s m e e e e f ' he l i e i Untd Pr pe t ( Ca .I s Co ,1 6 S 3 1 08 1 1 ( a 4h DCA 201 ) (o dn i e o ry Q s n . . 5 o. d 1 , 1 0 Fl . t 5 h l ig pa e t i ur d w a no a tnalpa en be us l te i ca ed pa e w a f pa tc a ym nt o ns e s t i ym t ca e e t r ndi t ym nt s or r i ul r rpaisa notot r) Notbl Pli if ha notpr de a ot ri e v ni fcori t e r nd hes. a y, antfs ve ovi d ny he ntr e ng a t n he l ye r pe i t a l t s Cour t tnd t r o- a rod o low hi t o i he eque t f a a s w a anyt ng ot r t n a s or ppr i al s hi he ha r ha he r ques t r e a dec de- d c am a isr ol i n. Gi n t d s i ia ii fom e s d e t o eviw a ol l i nd t es uto ve he i sm lrtes r Rio,t Cou tfndst saut oflm iai bar t Pl ntfs br ch ofc r c c am . z he r i he t t e i t tons s he ai if ' ea onta t l i Alowi t s c s t go f r d woul mea a i ur d i Fl i c d wai a l ng hi a e o o war d n n ns e n orda oul t n i fnie a ountoftm e,t ough m a huni a s a ot r di aser , t dem and appr s and nde i t m i hr ny c ne nd he s t s o ai al t n a gue t ca rer s br ac oc ur ed w he i r us t a ai a dem a , r her t w hen he r he r i ' e h c r n t ef ed he ppr s l nd at han i m a t a l ed unde a e t t pr pt d t a a s l de a . See e. ,Nardone v. t de he leg p ym nt ha om e he ppr i a m nd g. Re ol 333 So.2d 25,3 ( a.1 yn ds, 6 F1 976)C' pur esoft sauts oflmiai ae t The pos he tt e i ttons r o pr ec de e nt agans unus ly lng deaysi flng oflws t a t pr ve une c e ot t f nda s i t ua l o l n ii a uis nd o e nt xpe t d e or e e ofsa ec am s' . nf c m nt tl l i . ' ) B. Faiur t Compl wih Polc sCondii l eo y t i y' tons Eve i t Cour we e t tndt sa ut oflm iai wasnota iabl , t Pl i if n f he t r o i he tt e i t tons pplc e he antfs f ld t c aie o ompl wih t polc snotcec ton, whi pr desLi ry M ut wih abass y t he i y' i ondii ch ovi be t ual t i t de cove a o ny r ge. Thepolc pr de iy ovi s: 2. YourDute afe Los .I c e ofal st c r pr ry, you m us s i s t r s n as os o ove ed ope t t ee t tt f l wi a edone: ha he olo ng r a. G i nr ve omptnotc t us o oura nt ie o r ge An i ur s f l e t pr de tm ey notce i a lga ba i t de cove age t r ns ed' aiur o ovi i l i s e l ss o ny r mde Fl i l La r v.Cii n' Pr p. I . Cor . 1 So. 3d 470, 47 ( a 3 DCA 2 5 . orda aw. que tze s o ns p , 67 3 Fl. d 01 ) W hehe untmel notc ba s a cai i a t se a yss I The frt se i t deer ne t r i y ie r l m s wo- tp nal i. d is tp s o t mi whet r no i wa tmel foBelo v St e Far Fl I . Co. 1 2 So. 3d 595,599 ( a. he tce s i y. l . at m a. ns , 5 F1 2d DCA 201 ) l ten tc wa u tmey, rj dc t t ei u e i p e u d Banker Ins.Co. 4 . f h o ie s n i l p eu ie o h ns r r s r s me s . v Maca ,475 So.2d 1 6,1 8 ( a.1 ) I t s ond se t i ur hast bur nt . is 21 21 F1 985 . n he ec tp, he ns ed he de o o ec met ep e l to b p o n t a t ei u e wa n tp eu ie fo l 4 5 So 2 v ro h r sl in y r vig h t h ns r r s o rj d c d. Bel 7 . d mp o, a 599;Cl I .I v XL S i t I s Co. No.1 62028- V t ena nv nc. . pecaly n . , 0C1 SCOLA , 201 W L 1 2 004851 , a *4( D. a. a . 201 . t S. Fl M r 26, 2) The polcy he er quie ç o i r e r d d mptnotc .'' Fl i c t ha i e pr t d pr ptno i e pr ie orda our s ve nt r e e om tc r quie e s t m e n S t n a r ms bl tm e i viw of alt f c s a cic sa s of e r m nt o a i hi wi e ona e i n e l he a t nd r um t nce e c pa tc a c s 'fo lo,475 So.2d a 599. ç n ca es w he e t undiput f c ua r cor a h riulr a e. Be l ' t l l s r he s ed a t l e d e tbls snotc i s lt t no ra ona ej o c d fnd itmey,Fl i c t wildee sa ihe ie s o ae hat e s bl ur r oul i t i l orda ours l m t notc untm el a a m a t rofl .'N at' Tr tl .Co.v Gr he i e i y s te aw ' 1 us ns . aham Br her Cons r Co. 91 ot s t. , 6 F.S p 2 1 4 ,1 8( . F a 201 )(o ry a d ly u tmeya amatro lw) s ealo u p. d 2 4 25 M D. l . 3 f u - e r ea ni l s te f a ; e s Cl 201 W L 1 ena, 2 004851a * (ouryea dea untmel a amatroflw) H er Pl ntfs t4 f r ly i y s te a e, ai i f . waied amos t n yea st r por t s e nt lc am f a as l much l e t n a oft t l te r o e t he uppl me a l i or ppr ia , atr ha ny he ct d c es Ac or ngl t t n- a dely consiut sl t no i a am a troflw . ie as . c di y, he e ye r a tt e ae tce s te a H a ng f vi ound t notce l t a a m a t of l w , t r i a pr um pton t t Li ry he i ae s ter a he e s es i ha be t M uu l sp eu ie a ars l o t ed ly.Lo l 4 5 So 2 a 5 9 Pl i if havenot ta wa rj d c d s e ut f h ea Bel 7 . d t 9 antfs o, . tidt o ec metep e u to o p tfrhe ie c t a Li ryM uua wa n tp eudc d re o v r o h rs mp in r u o t vd n e h t bet t l s o rj ie . S lrd lw rc g ie t a a S s rr i prj dc d b u tmey n tc wh n t t oi a a e o n z s h t n i u e s eu ie y n i l o ie e he F n unde l ng pur e oft no i r quie e i fusr t d.''The YachtCl b on t l r oasal ryi pos he tce e r m nt s r ta e ' u he ntac t Condo.As oc I .v fe ngt I s. Co,5 9 Fe Ap x.8 5 8 1( 1h Ci. 01 )(uoig s . nc . xi on n . 9 d. p' 7 , 8 1 t r 2 5 q tn 1500 Co alTowe sCondo. s', I .v Ciien Pr p. n .Cor ., 1 2So 3 5 ( a 3 DCA r r As n nc . tz s o I s p 1 . d 41 Fl. d 20l3) Thepur eoft notc pr soni t e et i urra opporuniyt i tgae ). pos he ie ovii s o nabl he ns e n t t o nvesi t te d ma e Prj dc rs ls wh n u tmey n tc i d s a is rrs a l y t ( ) h a g . eu ie e ut e n i l o ie mpe e n n u e ' bit o 1 i i si t a cli ( defnd a cai or( mii t dn gest ough s te nto e ry nve tgae am, 2) e l m, 3) tgae ma hr etlme r a l rpais Se Cl 201 W L l e r. e ena, 2 004851a *6( i Kendal Lak s Towe sCondo Ass' I v. t quotng l e r n nc. . Pac I .Co. Lt ,201 W L 266 , a * ( D. a 2 2 ) . ns , d. 2 438 t 2 S. Fl. 01 ). Pli if t tfe t ti t i er e ng 1 yea st y m a r paist t rpr pe t a antfs esi d ha n he nt v ni 0 r he de e r o hei o ry nd had da magei 201 The ef t sce t nl woul m a i m or difc tt i tga edamage n 3. s acor rai y d ke t e fi ul o nvesi t se i fom Huni ne Ka rna i 2005. Thi Cour t r or fndst r or evi nc s t mm ng r ca ti n s t he ef e i he ec d de e hows Lie t M uu lwa p eudc db teu tmey n tc . c r n l t sCo r fn te ei n b ry ta s rj ie y h n i l oie Ac odigy,hi u t ids h r s o c v r g fr t e s p lme tl cam a d s mma y j dg n i g a td i fv r o te o e a e o h u p e na li n u r u me t s r n e n a o f h De e nt f nda . D N A DOI R DiCa bersatM iam i,Florida,this O E N I E n hm DE fofM arch 2017 f . FE A . REN O M UNI TED STATES D I STRI J D GE CT U . C opi f shed t es urni o: Couns lofRec d e or 8

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