Aspen Specialty Insurance Company v. River Oaks of Palm Beach Homeowner's Association, Inc., No. 9:2011cv81380 - Document 124 (S.D. Fla. 2012)

Court Description: ORDER granting in part and denying in part 35 Motion for Partial Summary Judgment; denying 49 Motion for Summary Judgment SEE ORDER FOR DETAILS Signed by Judge Donald M. Middlebrooks on 8/8/2012. (sw)

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Aspen Specialty Insurance Company v. River Oaks of Palm Beach Homeowner&#039;s Association, Inc. Doc. 124 UNI TED STATES DI STRI CO URT CT SOUTH ERN DI STRI OF FLORI CT DA CASE NO .II CV - 38O- I - 8I M DDLEBRO OKSY M NN ON ASPEN SPECI TY I ALI NSURANCE CO M PAN Y , Pl i if antf, RI VER OAKS OF PALM BEACH HOM EOW NER' ASSOCI ON ,l C. S ATI N , De e nt f nda . OM NI BUS ORDER THI CAUSE i be or t Cour upon Pli ifAs n Spe i ly l ur nc Com pa s S s f e he t antf pe c at ns a e ny' (As n' Mo in f rSu r J d me t( 4 ) fld J n 4 2 2 a d Dee a tRi e ' pe ' to o mmay u g n DE 9 , ie u e , 01 , n fnd n v r ' ) Oa Ho o e ' Asocain,I c',(lie Oa s' M oin f rP rilS mmay J d me t ks me wn r s ito n . 'tv r k ' to o a t u r u g n s s ' ) a ( 3 ) fldJ n 1 201 . DE 5 ,ie u e , 2 As n a s r l ln si u e,i i ae t i a t n s e ig a d caao yj d me ta t pe , u pus ie ns rr nt td h s ci e kn e lrt r u g n s o i o i rg tt rs id t c mmeca p o e t is r n ep lc (ç lc ' i is dt Rie Oa s t ih o e cn he o r il r p ry n u a c o iy E iy' t sue o v r k , s Po ) t i ur d,d t Ri rOakss al ge m ir pr e a i made durng t a i ai and t he ns e ue o ve ' le d s e es nt tons i he pplc ton he ca m i si a i pr es e Ale a i l i As n wasno en il t r s i t Polc i li nve tg ton oc s s. t m tve y, f pe t tted o e cnd he i y, t s ksade a a i t tRi Oaksi pr cud fom s eki cove ag undert Polc be aus ee clr ton ha ver s e l ed r e ng r e he iy c e Ri rOa vi a e ce t n Polcy c tonsandbr a he isdute unde t Polc ve ks olt d rai i ondii e c d t is r he iy. Boh Pat smo ef rs mma yj d me to t ef l wi c t s ( )c un o es e i g t ri v o u r u g n n h ol ng omt: 1 o t n e k n e o ad caaint a As e h dterg tt rs idt ePoiy p rua tt sc in6 7.0 4 )o te e lrto h t p n a h ih o e cn h l u s n o e to 2 4 9 1 f h c Fl ia Stt es ( c ord aut ; 2) ountt s e ng a de aaton t tAs n ha t rghtt r ci t wo e ki clr i ha pe d he i o es nd he Polc d t Ri r Oa ' vi a i oft Polc s Conc l e ,M ir pr s n aton or Fr ud iy ue o ve kss olton he iy' eam nt se e e t i a pr son (ç a Pr son' whih Ri r Oa pur tdl vi ae by c ai o ovii t ud ovii ), c ve ks pore y oltd Fr once lng r Dockets.Justia.com mir pr s ntng m ae ilf t d i boh t a i ai n a t cli i tga i px e s s se e e i tra acs urng t he pplc to nd he a m nvesi ton oc s e ; a d ( ) c u ttr es e ig ad caaint t v rOa i b re fo s e i c v r g u d r n 3 o n h e e kn e lrto ha Rie ks s ar d r m e kng o e a e n e tePoiyb c u eRie Oa sbra h dt ePoiysNo iep o iin(t tc P o so ' . h l e a s v r k e c e h lc ' tc r vso ç ie r viin' c No ) I vi ly,i t Cour detr i s As di notha t rg t r s nd t Polc ndi dual f he t e m ne pen d ve he i ht o e ci he iy a dRie Oa sscam i c vee t e t Poiy, p nmo e teCo r t d tr n ( )ta n v r k ' li s o rd md r he l As e v s h u t o eemi e 1 h t c i i notr quied t r pl c al t wi ts e r o e a e l he ndows si ng gl s door ,a r s of t f t ni , ldi as s nd oof he ory- ne P ) b i i s(tr p ry', a d ( )ta Rie Oa c n o y cam lmie d ma e Tu nng t ul ng I o e t' 1 n 2 h t v r ks a nl li i td n g s r i o d . Rie Oa ' i dvd lag me t,Ri e Oa mo e frs mmayj d me to b t c uns v r kss n iiua r u ns v r ks v s o u r u g n n 0 h o t f a tn ofAs n' Co pl nt i whi h As s e a de a a i t tRi Oa i ba r om nd e pe s m ai , n c pen e ks clr ton ha ver ks s red fom s eki c r ge undert Polc bec us Ri r Oa br c d t Polc s Pos- s r e ng ove a he iy a e ve ks ea he he i y' tLos Co d to p o iin (d s- s Pr v so ' a d b e c dt ePoiy' Le a Aci np o iin n iins r vso d tLo s o iin' n ra he h lc s g l to r vso po ) (Le a Acin P o iin' rs e tv l.l is Re p n e t Rie Oa ss M oin f rPa t l ç g l to r vso ), e p ciey n t s o s o v r k ' to o ri d a Summ a y J r udgme ,As n ag ee t dimis c nt pe r d o s s ountt n,a co di y,Ri r Oaks i e il d t e c r ngl ve s ntte o j d me ta amatrof a o c u t e o As e sCo li t u g n s te lw n o n tn f p n' mpan . 1 Bac ound . kgr On De embe 1 2011 As n,a s pl lnes i ur r i ta e t sdec a a o y a to c r 2, , pe ur us i ns e , niit d hi lrtr cin a ns Ri rOa ,is i ur d,s e ng a decar ton t ti ha t rghtt r s nd t Polc i gai t ve ks t ns e e ki l ai ha t d he i o e ci he iy t is d t K ve Oaks or i i di notha t rghtt r s i t Polc t tRi rOa was s ue o r , ,f t d ve he i o e cnd he i y, ha ve ks ba r d fom s ki co r e unde t Polc re r ee ng ve ag r he iy. l Fe ua y of2005,Ri rOa a id f acommer i pr t i ur nc polcy wih n br r ve ks pple or cal opery ns a e i t As n.( eDE 35-Atac nt4) I isa i to Ri rOa rpr enedt f l ng:( ) pe Se t hme . n t pplcain, ve ks e es t he olowi 1 t ti t ls fveye r,i had nottld an cams a ( i t l tfveyeas no e nt ha n he at i a s t ie y li ; nd 2) n he as i r, ve s 1ThePr ry i compos d off t eghtbuidi a a cubhous . ( o i De 3 2 - ) ope t s e ory- i l ngs nd l e Cr nn p. 2:225 . o c re th t ma gv rs t (ut e cams'( mpan a ! 3 - 9;s e as DE 3 c ur d t a y ie ie o ftl ) li ' Co lit t ! 8 3 e lo t r 5 Ata h n 4 a 12 .Ho v r M o tn Le l ,t e i dvd a wh rn As e s Bah o m tc me t t - ) we e , ro si h n iiu l o a p n' t r o e Re o ain Co te ,sae t a s ed eived 't cu h u ewa d ma e i 2 0 d rn n v to mmite ttd h t h d l E l'he lb o s s n g d n 0 4 u ig b e Hu c n sF a c sa dJ n n . Le leDe . 3 3 25 1 ) Tofxt ed ma e i c t v rOa s ni a e r n e n e n e ( si p 3 - 4: - 6 . i h n g ,t os Ri e k b t e $ 00 0 a d $ 0,00 ( si De 3 1 2 ) Ad iin ly o Oco e 5 2 0 Rie ewe n 6 ,0 n 8 0 . Le l p. 5:9-3 . dto al, n t b r , 0 4, v r e Oa sBoa d ofDiecor a e t a y f a l wih t Fe a Em e g y M a ge e ks' r r t s gr ed o ppl or oan t he der l r enc na m nt Ag n y(SEMA' t c v rce nu c ssfo Hu c ne Frnc sa J n n .Lik ma De ec C F ' o o e la -p o t r m ni a s a e nd e n e ( n s n p. ) 1 0 1 : -) Fi l i J n 4 - 4125 8 , nal n a ury t rug Se tmb r o 2 05 f u dfee t cu tr o y, h o h pe e f 0 , o r if rn lse s f buidi i t Pr ry we e i e td wih tr t s a t t i owne swe e a s s d t pa l ngs n he ope t r nf se t e mie , nd, he m t r r s es e o y f rtetr t d ma e ( o sDe a 4 - 9:3 1 ) o h emi a g .Th ma p. t 6 4 1 - 5 . e Ba e upon t r p e e ai ns s tf t i t a plcai n,As n is d t Polc t sd he e r s ntto e orh n he p i to pe s ut he iy o Ri rOa ,whih cove e t f ry- ne buidi l a e a 2331 S. .58t Ave ve ks c r d he o t ni l ngs oc t d t 7 W h nue,Boc a Rao , F o ia ($r pe t' , fo M ac 1 2 0 tr u h M a c 1 2 0 . ( e DE 3 t n l rd s o ry' r m rh , 0 5 h o g P ) rh , 0 6 S e 5 Ata h n 9 . W hl t ePoiy wa i e fc, n sc u e b Hu rc n W i d ma e t e tc me t ) ie h l c s n fe t wid a s d y ria e l a g d h ma Pr pe t On Ocobe 28,2005,Ri rOa fl d a notc ofl swih As n sa i t ti was o ry. t r ve ks ie ie os t pe ttng ha t ma ng a cli f be is unde t Polc t cove t da a s t i durng Huni ane ki am or nett r he iy o r he m ge us aned i c W ima ( nel De 38 1 - 6 .As n hr d Cu tr I d p n e tAduses Ccu tr ' t l . An il p. :0 1 ) pe ie sad n e e d n j tr ç sa d' o o l i tgae t dn nvesi t he mage and,afe Cusa d i pe t d t dn , tr t r ns c e he mage i detr ne t ti woul c t , t e mi d ha t d os As e a prxi t l $ 80 0.0 t rpar t d ma e ( nilo De 3 - :- 4 .As n p n p o maey 3 ,0 0 o e i he n g . An el p. 9407 1 ) pe notfed Ri rOa ofisde e m i ton a sae t tt n oun oft dnmagedi notexc ed ii ve ks t t r na i nd t td ha he m t he d e t Polc sde i e.AnniloDe 39:7- 8) Ri rOa wihdrw iscli andt matr he iy' ductbl ( el p. 1 1 . ve ks t e t am he te wasc os d. l e 3 I J y of2008,Ri Oa notfe As n t ti wan e As n t r - n isHuri ne n ul ver ks iid pe ha t t d pe o e ope t rca W ima cam.( ilo De 6 :7 2 ) Ho ve,i Se tmb rof2 08 a rp e e ttv o l li Annel p. 6 1 - 4 . we r n pe e 0 , e r s naie f Ri rOa sae t tRi rOa ' t oof had a e s t wi da a s a t tt n nt ve ks t td ha ve kss t er r ss s ed he nd m ge nd ha he mou t d t rp is a do rp a e n silfl b l w' lie Oa ss d d cil.( nel De . o o he e ar n / r e lc me t tl el eo ' tv r k ' e u tb e An ilo p 717 1 ) Two y as ltr Ri r Oa hr d Un td S ae Adu tr ($ ' t i s e tt e :- 9 . e r ae, ve ks ie ie tt s j se s 1 ) o n p c h US' P o e t.Se DE 51 Ata h n 3 . r p ry ( e - tc me t ) I Augus of 201 US s n t 0, ubmit a esi t of l s t As sa i t t Huni ane ted n tma e os o pen ttng ha c W ima c usd o e $ 5 mil n i d ma e .( nel De 7 :2 1 ) Lae ,US s b te a l a e v r 7. li n n g s An ilo p. 3 1 - 8 . tr o u mitd r vie esi t ofl scli ng t tHuri a W ima c us d o $1 5 m ilon i dn a s e s d tma e os a mi ha rc ne l a e ver 3. li n m ge . ( lz De 1 - 2 20 9 .On De e e 2 201 , p n s n Rie Oa salte if r n Vee p. 25 1 6: - ) c mb r 2, 1 As e e t v r k etr n o mig Ri rOa t i r s i d t Polc be us Ri rOa f le y r e e e i isa i a i ve ks hat t e cnde he iy ca e ve ks a s l epr s nt d n t pplc ton t tno cli oroc ure e t plc t tm a gi rs t a c am f rt prorfve yea s a ha am c r nc ook a e ha y ve ie o l i o he i i r nd rfmd d Rie Oa s $ , 9 1 ,te P lc sp c a ep ie ( 3 - tc me t1a ! 6 ) et e v r k 20122 .6 h o iy' m h s rc . DE s Ata h n t 3 . Addii l As fl t i tntd lr t y aci tonaly, pen ied he nsa eca aor ton. I .Le lSt I ga andar d P ru n t Fe ea Rue o Ci i P o e u e 5 () a dsrc c u ts d cso t ga t u s a t o d rl l f vl r c d r 6 c , itit o r' e iin o rn s mmayj d me ti a p o raewh r 'h p e di s d po iin ,a west itro ao is u r u g n s p r p it e e i e la ng , e sto s ns r o n er g tre , t a a iso o fl ,t t rwih t afi vis i a s nd dm s ins n e ogehe t he fda t , f ny, how t tt e i no genui is a ha her s ne s ue s t a ymaeilfc a t ttemo ig p ry i e t ldt aj d me ta ama tro lw. Fe . o n tra a t nd ha h vn a t s ni e o u g n s t f a ' d t e ' R. v. 5 () Anis eo maeil a t sg nun wh r tee ie c i s c t t ra o a l Ci P. 6 c . su f tra f c i e ie e e h vd n e s u h ha a e s n b e j r c ud rtr av r iti f v ro te n n- vngpat S eM ie v Jfe s n CfyBd o u y o l eu n ed c n a o f h o mo i ry. e z . efr o f . f . Educ,93F. 739,742( 1hCi.1 ( tngHaîsonv Gai svleSunPubl' Co. 9F. . 3d 1 t r 996) quoi r t . ne il g , 3d 91 91 ( 1h Ci.1 :. diti c r' c nta i r whendeemi ng whet ri s d 3, 9 1 t r 993 A srct ou ts e r l nquiy tr ni he t houl 4 ga t a moi n f r s mma y j dg n i i ehe t e d nc p e e t a s f in rn to o u r u me t s ç t r he vie e r s n s u fce t wh d s ge me tt rq it s b sin t aj r o wh t t i i s o t sd d t ton p t mus ia r e n o e ur u miso o u y r eh r t s o n -ie ha e m' y t pr vai as a ma tr oflw . Ande s v Li ry Lobb I . 477 U. 2 251 52,1 S.Ct e l te a ' ' r on . be t y, nc, S. 42, 06 . 25 ,25 2,91 L.Ed.2 20 ( 9 6 .Afe te p ris h v h d a q ae tme t c n u t 05 1 d 2 1 8 ) tr h a t a e a de u t i o o d c e d so e ya d ap ry flsamoin frsl r j dg n , d src c u t s g a tsl r ic v r n a t ie to o t mma y u me t a itit o r mu t r n l mmay j d me ta an tap ry wh f i t e tb iht ee se c o a ee n e s n ilt hi c s u g n g is a t o al o sa ls h xitn e f n lme t se ta o s a e s t thebe r t bur n ofpr ofo d ngti l Cel e Cor v.Cate t 477 U . 31 322,1 ha a s ht de o n mi ra . otx p. r t, S. 7, 06 S. . 5 8 2 5 , L. 2d26 (9 6 . Ct 2 4 , 5 2 91 Ed. 5 18 ) 1 1 Di c s on 1 . s us i 1.Cou One nt I c mt one As n s e a de a aton t t i wa e il d t r ci t Polc n ot , pe e ks clr i ha t s ntte o es nd he i y. Specfc ly,As n c e t Polc wa voi ab i to bec us Ri r Oakss a i a i ii a l pe ont nds he iy s d nii a e ve ' pplc ton c nan d a maeilmirp ee tto o fc .As e r l s u o s cin 6 74 9 1 o t o ti e tra se r s nain f a t p n ei p n e to 2 .0 ( ) f he e Flrda Stt es t s oi a ut o uppor is a gl e ;ho e r t s r la e i mipl c As Ri r Oa t t r lm nt w ve , hi ei nc s s a ed. ve ks p it o ti i Re p n e As n i a s usln s c rir( mpan a ! 1;a c r i l, on s u n t s o s , pe s upl i e a re Co lit t ) c o dngy s scin 6 7.0 ( )i ia plc be be a e te p o e sauo y b ssf rd tr nng wh te e to 2 4 9 1 s n p ia l c us h r p r ttt r a i o eemii eh r rs iso i p o ri Flrd ' S r l Li sLa Fl. tt j 6 691 -9 7. o iasSupls e csin s r pe s o i as u pus ne w, a S a. j 2 . 3 .3 Flrd ' r u Lie La rg ltss r u ln si s rr,l e As e ,i Flrd ,s e Fl.Stt j 6 691 4 ) n s w e u ae u pls ie n u e s i k p n n o ia e a a. 2 . 3 1, a d i p o ie t a 'ex e a ma b s e i al sae t a l t s ml l e is r r,h n ,t r vd s h t' l c pt s y e p cfc ly ttd o ppy o u us i s n u es te l n pr sons of c pt r 6 do not a y t s pl lne i ur nce a horz unde . ..t ovii ha e 27 ppl o ur us i s ns a ut ied r he Sur us Li s La 'See Fl Stt j 626. 34 .Seci 6 409( ) t s ton As n r i pl ne w. ' a. a. 91 4) ton 27. 1, he eci pe eles u pon,does not s cii ly sae i a i t s pl lnes i ur r .I is Re pons t Ri r pe fca l tt t pples o ur us i ns e s n t s e o ve Oa ' M oto f Pa talSummay J me ,As n c des t t scin 627. 1 i kss in or ri r udg nt pe once ha e to 4094 ) s 5 i pplc bl an ag ee t t 'he tr s oft ...Polcy' Conc l e , M i r pr ent ton or na i a e d r s ha ' e m t he i s eam nt s e es a i Fr ud pr son esa ih t sa r f r cison i t sc e.'( eDE 9 a 2 . c r igy, a ovii t bls he t nda d or ts s i n hi as 'Se 0 t ) Ac o dn l Rie Oa si e tte t j d me ta ama tro lw o c t o o As e ' Co lit v r k s n ild o u g n s te f a n omt ne f p ns mp an . J.Cou Fw/ nt l co t As s e a d l ai n t tRi rOaksi bare fom r cove i isl s n unt wo, pen e ks ecar to ha ve s rd r e rng t os unde t Polc be us i was o i t d t co pl wih t Fr ud Pr son, whi h i a r he iy ca e t blga e o m y t he a ovii c s c ii oft Polc Tht Fr ud Pr vii pr vi si pe tne pa tt tt Polc i ' d i ondton ht iy. a o son o de n ri nt r ha he i y s ' voi n a y c s o fa d b yo ,Rie Oa s)a i r ltst t sCo e a tPata a y t .ti as n a e f r u y ul v r k , s t eae o hi v r g r t n i I s lo me voi i you orany ot i ur d,a a tme,i en i l co e orm ir pr e am aera f c df her ns e t ny i nt tonaly nc al s e es nt t il a t c e i 1 Thi Cover ge Pa t 2.The Cover d Pr ry;3.Your i e es i t Cove e onc m ng: . s a r; e ope t nt r t n he rd Pr p ry; r4 A cam u d rt i Co ea eP r. ( 35 Ata h n 9a 7 . rc n iei g o e t o . li n e hs v r g a t' DE - tc me t t ) Ahe o sd rn ' t Fr ud Pr vii lc ude t ti o de f r Ri rOa t r ove unde t Polc i wa he a o son, oncl ha n r r o ve ks o ec r r he iy t s oblgaed t compl wih t Fr ud Pr son.See eg. M i gan M ilr M ut I . Cor v. i t o y t he a ovii , . , chi le s ns p. . Besed,1 F.d 9 5 9 ( 1hCi. 9 8 . n l 40 3 1 , 22 1 t r 1 9 ) As e ag sta Ri rOa svo ae ti c n iin ( )dlig t e a piain p o e s p n rue h t ve k iltd hs o d to 1 t n h p lc to r c s r by co ai ormir pr s ntng t dn a t Buidi s t i durng Huri a Fr es nce lng se e e i he m ge he l ngs usaned i rc nes anc a d J n n ( mpan a ! 51 a d ( )a trHu rc n W i ,b 'n e to al c n e ln o n e n e Co lit t ) n 2 fe ria e l y ' tni n ly o c aig r ma i mir pr e i m ae i l fct a cr um sa s k wn t t m r a i t t naur a se es ntng t ra a s nd ic t nce no o he eltng o he t e nd s mount of t cli a wel as ot r cic sa es s r undi t cli i tgai ' he a m s l he r um t nc ur o ng ht a m nvesi ton' ( mpan a !4 ) Ri rOa sc n e d i i e tte t s mmcyj d me ti is fv ro Co lit t 7 . ve k o tn s t s n i d o u l u g n n t ao n co t be us ()As n fie t pladt tRi rOaksmir prs ntd i or to dlrng unt wo ca e 1 pe ald o e ha ve se e e e nf main zi ete t ea pl ain o iv siainp o e swihteitn t ij r , er u o d c i eAs e , i r h p i to r n e tg to r c s t h ne t o nu e d fa d r e ev p n h c a ( noneoft alege mir e e ai ctdbyAs naemaei . nd 2) he l d seprs nttons ie pe r tral 6 I Fl rda oncet i m ed e t bls sa l sa r nty wihi t t r sofa i u a e n oi , he ns sa ihe os ppa e l t n he e m n ns r nc polc t bur n s fst t i tr rt pr t tt c am i excude fom cove ageunde a iy,he de hit o he nsle o ove ha he l i s l d r r rn a pia l e c pi n o e cu i n S e Mihi n Milr M u.I s r v Behed,1 0 F.d p lc be x e to r x l so . e c ga les t n .Cop. . n l 4 3 9 5 9 ( 1h Ci. 9 8 (iigHu s nv Pr d n il o ry & Ca . n . , 5 So 2 5 5 1 , 25 1 t r 1 9 ) ct n d o . u e ta Pr pe t s I s Co.4 0 . d 6 , 5 8 ( a 2 DCA 1 8 :.W h n itprtn a i u a c poiy a c u ts o l gv f l 6 Fl. d 94 e n e eig n ns rn e l , o r h u d ie ul c m e ni a e f tt e h pr son and c t u e ch pr vii ac or ng t ispl i m e ni a ng nd fec o ac ovii onsr e a o son c di o t an a ng. T a ee s I d m.Co v r v lr n e . .'CR,f c,3 6 F.d 1 9 ,1 9 ( 1h Ci.2 0 ) (i n Hy n v n . 2 3 1 0 1 3 1 t r 0 3 ct g ma . i Na in d M u. r I s Co,3 4F.d 1 7 ,1 8 ( 1h Ci. 0 2 ) I te p lc ' ln u g to wie t Fie n . . 0 3 1 9 1 6 1 t r 2 0 ). f h oiy s a g a e ls s s e tbe t mo e tm1o e ra o a e itmr tto o ep o dng c vea e a d te gq ç u c p il o r h n e s n bl ne eain, n r vii o rg n h i o he lm ii c r ge,t i ur nc polc i c i r a bi uous' Tr elr I m.Co.v t r i tng ove a he ns a e iy s onsde ed m g . av e s nde ' . PCR, n .3 6F.d 1 9 ,1 9 ( 1hCi. 0 )(iigHy v Na in deM u. r I s Co, I c, 2 3 1 0 1 3 1 t r 20 3 ctn man . to wi tFie n . . 3 4 F.d 11 9,1 8 ( 1h Ci. 0 2 ) Ke p n t sfa wo k i mid Iwi c n ie wheh r 0 3 7 1 6 1 t r 2 0 ). e i g hi rme r n n , l o sd r te l et rP ryi e tte t j d me t samatro 1w o c u t wo. i at s ni d o u g n a he l te f a n o n t A.Applcai n Pr s i to oce s Dmi t a i ton pr es ,As n c e t tRi rOa ' r pr enttve m a a ng he pplca i oc s pe ont nds ha ve kss e es a i de ma e ily mil di r pr s nt i whe he f ie t i ntf a ' ai sorocc r nce t t t ra l sea ng e e e aton n a ld o de iy ny ' m cl ure s ha ma gi rs t cai f t pro 5 ye r' ( 49 a 3;s e DE 1 Ata hme 2 a 2 . y ve ie o l ms or he ir as' DE . t e - tc nt t ) Spe fcal As n sa e t tt undiput d f c s s w t ts ve a occ r nce t pl e i ci ly, pe tt s ha he s e a t ho ha e r l ure s ook ac n 200 t ye rprort t tm eRi rOa s 4, he a i o he i ve ks ubmitd isa i ton,t tm a ha gi n rs t te t pplca i ha y ve ve ie o ca ms Fis, As n con e li . r t pe t nds i i undiput t t t Pr ry s t ne da a durng t s s ed ha he ope t usai d m ge i Huriane Frnce a J n (e DE 49 a 3- , whih i e de d by Ri r Oa ' rc s a s nd e nne s e t 4) c s vi nce ve kss rpr s nttve sae e s c e ng t t t cl e e e a i s t tm nt onc di ha he ubhous was da e mage durng t s huni ane d i he e c s a by Ri rOa ' Boar ofDiecor votng t a y f ra FEM A l n t cove t pr ry nd ve kss d r t s i o ppl o oa o r he ope t d ma e ( eDE 4 a 4 . c n As e p o i e Rie Oa f i dt i cud i isa pl ain n g .Se 9 t ) Se o d, p n r v d s v r ks al o n l e n t p i to e c t fc t tt r iesha i ese an dn ag d a l s f m buidi wihi t Pr ry. L e he a t ha e m t d nf td d m e t ea t o l ngs t n he ope t se DE 4 a 4-) 9 t 5. Eve i alt s ale tonsa e tu Ri rOaksa guest tt Cour i pr c ude fo n f l he e l ga i r r e, ve r ha he ts el d rm e trn sl neig l mmmyj dg n i As e ' fv rb c u eAs nfie t alg i i Co litta u me t n p ns a o e a s pe ald o le e n t mp an h t s Ri e Oa ma titni n lmirp e e tto so t a p iain. S eDE 35a 5 6 . mi v r ks d n e to a st r sn ai n n ht p lc to ( e t - )Tu ng t t Co pl nt As n' s e al gai conc r ng Ri rOa ' pur re m ir pr e ai o he m ai , pe s ol le ton e ni ve kss po td s e es nt tons durng t a plc ton pr e s i t t li r Oa ' ' e es nt tves conc ld a or i he p i ai oc s s ha kve kss ' px e ai r eae nd/ mirp ee td if r to rg r i t eda g t te ...Bui n sc usd b Hu rc n l) se r sn e n o main e adng h ma e o h l g a e y ria e s di F a e a d .. J n ne'( mp an a !51. rnc s n . e n . Co lit t ) ' I or rf Ri rOa ' c n de or ve kss onduc t vi a et c ton s tf t i t Fr ud Pr son, t o olt he ondii e orh n he a ovii Ri r Oakss conc al e t o m ir pr e a i m us ha bee i e i na , a ve ' e m n r se es nt ton t ve n ntnto l nd, t he a o t tone a l a i d s n e t bls whehe Ri r Oa a t i e i ly. As n f r men i d leg ton oe ot s a ih t r vt ks ced nt ntona l pe f ied t a es t s a gtmen i is Re pons t Ri r Oa ' M oton f Pa ta Slmm a y al o ddr s hi r l t n t s t o ve kss i or ri l l r J udgment Howe r i a a sAs may ha m ic tue Ri rOa ' ar . ve ,t ppe r pen ve s onsr d ve kss gume be us i nt ca e n i Repo s ,As e sae 'ad iin ly d s ieRlv r O(k ')c n e to s Agpe )...i t s n e p n tts ' l dto al, e pt ie) a ss o tn in , s n s g s no rq ie t p e e t rc e i n eo Rlv r Olks )rp e e ttv s itn t d fa . ( t e urd o rs n die t vde c f ie) a ' e r sn ai e 'n e t o erud' DE s ' 9 a 3 . i ag n fist a d e sRie Oa ssa t a a g me tt tRi e Oa s a d n t 0 t ) Th s rume t al o d rs v r k ' cu l r u n ha v r k , n o As n i e t ldt j d me ta amatro 1w i pato c u tt b c us As e ss c n pe , s ni e o u g n s te f a n r n o n wo e a e p n' e o d t co mtf ie t con a n a a lga i esa ihi t tRi r Oakssr pr e a i aced wih t a ld o t i ny le ton t bls ng ha ve ' e es nt tves t t t r qui ie i ent durng t a i a i pr es . A c r ngl Ri r Oaks i e il t he e s t nt i he pplc ton oc s co di y, ve s ntted o j d me ta a matr o 1w i p r o te po to o c t t a iig fo li rOa ss ug n s t f a n a t n h rin f omt wo rsn r m tve k ' e pum ore m ir pr e a i or omisons made d i t a i ton pr s be us i i td se es nt tons si urng he pplcai oce s ca e t s 8 t s ed t tAs n di notaleg Ri r Oa a t d wih t r uiie i e t vi a e t mdiput ha pe d l e ve ks c e t he eq st nt nt o olt he Fr ud Pr vii a o son. B.Cl m l taa i ai nvesi ton Tur ng t t cl m i si ton pr es ,As n a gue Ri rOa vi a e t Fr ud ni o he ai nve tgai oc s pe r s ve ks olt d he a Pr son by i e i ly c ovii nt ntona l once lng or mir pr s n i ma e i f ct a cr m sa es ai se e e tng t ral a s nd icu t nc r g r ig t e cam iv siain ( eDE 4 a 1 - 3 .As n s fi in l alg d t a Rie e a dn h li n e tg to . Se 9 t 2 1 ) pe u tce ty le e h t v r Oa ace wih t r quiie i entt vi a et Fr ud Pr son durng t cl m i tga i ks td t he e st nt o olt he a ovii i he ai nvesi ton p o e s ( mpan a !47 .As e a srst tRie Oa ssv oain o tePr vso i ce r r c s . Co li t t ) p n se t ha v r k ' i lto f h o iin s la be a e Ri rOa wat d fve ye s a r Huri a W ima sr k a As n dee mi d t c us ve ks ie i ar he rc ne l tuc nd pe tr ne he da ge s t ne by c ti buidi di not exc ed t de tbl t fl a c am s e ng ma usai d era n l ngs d e he duc i e o ie l i e ki c r geund t Polc f over$1 5 milont c rt cos ofr plc ng ' ver r ,e r ove a er he iy or 3. li o ove he t e a i ' y oof ve y e wi ndow a e r si nggls d i aloft 49buidi a t .., ope t '( DE 49a nd vey ldi a s oor n 1 he l ngs t he Pr ry.'See t 1 ) As e a s rsRi e Oa sscam i g o sy e g eae ,a d i s p o to i agl n , 3 . p n s et v r k ' li s r sl xa g rtd n , n u p r f t r l t s me As n ofer t de ii n t tmony ofs r luni owne swhot sii d t tt y di no have pe f s he posto esi eve a t r e tfe ha he d t a is s a a1- 1 taone r c ng is - wih t i r s wi w s or si ng gl s door . ny s ue t 1- e l e uni s ues- t he r oof , ndo , ldi as s ( e DE 4 a 1 -4,s e eg. Ca e s De 3 1 2 ;27 12 ;1 :- 5 4 2 - ) As e Se 9 t 3 1 e , . , n sa p. 6:2- 5 :- 5 1 12 ; 5:0 23 . p n poi soutt te Ri Oaks sown e t r pr s tt tnote y r ,wi nt ha ven ver ' xpers e e en ha ver oof ndow,a si ng nd ldi ga sd o wa d ma dd rn Hu rc n W ima ( eDE 4 a 1 ) ls o r s n ge u ig ria e l .Se 9 t 4. I rs o s ,Rie Oa sc n e d s mma y j dg n i i r p r b c u e a g n ie n e p n e v r k o tn s u r u me t s mp o e e a s e un is of m aera f ctexit c s ue t il a ss once ni whe he Ri r Oa i e i ly m ir pr e e t r ng t r ve ks nt ntona l se es ntd he n ntofiscli ( DE 92 a 1 .Ri Oa aguesisr quett rplcea1 t r s mou t am. See t 4) ver ks r t e s o e a l he oof, wi ndows or si ng gls do s i notfa e be us i i dipu e whet As n h a , ldi a s or , s r udul nt ca e t s s t d her pe as dut t m ac al t r s wi y o th 1 he oof , ndows a si ng gls door i a lt buidi .Es e i ly,i , nd ldi as s n 1 he l ngs s ntal f 9 As ha adut t m ach unde t Polc i m us r plcee h r , ndow,a si ng g a s pen s yo t r he iy, t t e a ac oof wi nd ldi l s door eve i i i notdn a d,s t Pr ry wilbeunior onc t r pa r a e co plt d. , n f ts m ge o, he ope t l f m e he e is r m e e Addii ly,Ri r Oa r pr e s t t is e rs fl t e tm a e w ih As n,one t t tonal ve ks e es nt ha t xpe t ied wo si t s t pe ha esi t d t c t t r par a1 t r s wi w s a si ng gl s do s a one t t tma e he os o e i 1 he oof , ndo , nd ldi as or , nd, ha e tmae t ec s o rp iig o l te d ma e r o s wid ws a d sii g ga sd o s (e si td h o t f e arn ny h n g d o f, n o , n ld n ls o r . S e DE 9 a 1 ) Afe c n ieig t er c r ,Ifn ag n n is e o maeilf c e it a t 2 t 5 . tr o sd rn h e o d i d e uie su f tra a t x ss s o whe he Ri r Oa i e i ly c t r ve ks nt ntona l once l or mir pr s nt f t durng t cl m aed se e e ed acs i he ai iv si ain p o e s Ac o dn l Ifn net rPa t i e tte t j d me ta amatro lw n e tg t r c s. c r igy, i d i o he ry s n ild o u g n s te f a i pa ton c mtt n r ot wo. J.Cou Th ee nt r Bo h Pa t sc n e d te ae e tte t s mma yj d me ti terfv ro As e ' t ri o tn h y r n ild o u r u g n n h i a o n p ns e t r c nt s e ng a de a a i t tRi r Oa i ba r d fom s ki c r unde t hid ou e ki clr ton ha ve ks s re r ee ng ove age r he Poiy b c u eRie Oa b e c e isd t t b t ' r mp l j' r v d As e ' o ieo t e l e a s v r ks ra h d t uy o o h ' o tl 'p o i e p n ' tc f h c p y n ls o d ma e'a d d s rb éh p o ry iv le . ( mpan a ! 5 ) As e ag e i i o s r n g ' n e c ie ç e rpet n ov d' Co lit t 4 . p n r u s t s t ' e tte t j d me ta amatro 1w o c u tt reb c us i i t ip td ta Rie Oa s nild o u g n s te f a n o n h e e a e t s md s ue h t v r k f ie t pr de tmel no i oft l s bec us Ri Oa fl is cli fve ye r a tr a ld o ovi i y tce he os a e ver ks ied t am i a s fe Hu c n W imasr c ( e DE 4 a 7 . v rOa sc n e d ta i i e tte t j d me ta ni a e l tu k. S e 9 t ) Rie k o tn s h t t s n ild o u g n s a ma tr of l w on c te a ount t e be a e i pr d As n notce of t l s s rl afe hr e c us t ovi ed pe i he os ho ty tr Huni neW im asr k. ca l tuc Afe c nsd rn t er c r ,Ifn n ih rP ry i e t ld t j d me ti isfv ro tr o i eig h e o d i d ete a t s ni e o u g n n t a o n t c tr .I o d rt dic r e isdut unde t Notc Pr vii Ri r Oaksha t ( ) ount hee n r e o s ha g t y r he ie o son, ve d o 1 p o typ o ieAs nn tc o tel so d ma e a d( )d srb t epr p ry t twa ls r mp l r v d pe o ie f h os r a g n 2 e ci e h o e t ha s o t or da a d.A ge ne i s of m ae i l f t e ss a t whe he Ri Oa ' notc wa m ge nui s ue t ra ac xit s o t r ver ks s i e s 10 pr ompta s t i n .Fore m pl age ne is e ssa t whehe Ri rOa s tc e l nd ufk e t xn e, nui s ue xit s o t r ve ks ufs i nty i en ii d whi h of t f t ni buidi we e da a d du i Huni ne W im a.Thi d tfe c he ory- ne l ngs r m ge rng ca l s hol ng i i lne wih Fl i lw be a e a de e m i ton whet ra i u ed c di s n i t orda a c us t r na i he n ns r omple wih a id t notc pr son i a que ton off c .Se I alM ut I .Co.v.Wal re 400 So.2d 78 785 i e ovii s si a t e de . ns d p, 2, ( l.3 DCA 1 81.Ac o dngy te d t t d tr n wh t e Rie Oa s s t fe is Fa d 9 ) c r i l, h uy o eemie eh r v r k ai id t s oblgai n unde t Polc i r e ve f t f tfnde . i to r he i y s es r d or he ac i r 4.CountFou r Ri e Oa smo e te Co r t e trs mmayj dg n i isfv ro As e sfurh v r k v s h u t o n e u r u me t n t a o n p n' o t c ,i whi i s e a de a a i t tRi rOa i ba r d fom c r e u rt Polc ount n ch t e ks clr ton ha ve ks s re r ove ag nde he iy f rvi ai t Polc sPos- sPr son.Asa condiin t r ove unde t Polc Ri r o ol tng he iy' tLos ovii to o ec r r he iy, ve Oa sa re t d tef lwig: 1 'g i eu p omp n tc o te ls o d ma e ,icu i g k g e d o o h ol n ( ) ' qv s r t oie f h o s r a g ' n ld n , o g ' d srp in o tep o e t iv l d' ()'ass o a po sbl, i eu ad srpin o h w, ' e cito f h r p ry n ove ' 2 ' l o n s si e g v s e c it f o a ; l o wh na dwh r t els o d ma eo c re '()'at u r q et gv u c mpeei v noi s e n e e h o s r n g c u rd' 3 ' l o r e u s, ie s o lt n e tlt ; g oft dn he mage a u mage pr ry'i l ng,' nttes c t , l and a oun ofl s d nd nda d ope t ' ncudi ' qua ii , oss vaues m t os came '()'a so tna ma b r ao a yr q rd p r t t is c t p o e t prvig li d' 4 ' ) fe s y e e s n bl e uie , emius o n pe t he r p ry o n ; ( t e ls o d ma ea d e n n y u b o sa d rc r s ;a d () 'co peaewih u i te h o s r n g n x mi e o r o k n e o d ' n 5 ' l o rt t s n h l iv siaino s tlme to t ecam. ( mpan a !60 . n etg to r et n f h li ' Co lit t ) e ' I Flrd ,$a t tl alr t c mpywihp lc p o ii n .. ma c nsi t ab e c n o ia f ) oa fiu e o o l t o iy r v so s . y o tt e ra h ( u pr cl ng r ove y fom t i ur ra a m at rofl w.I,ho e r t i ur c e udi ec r r he ns e s te a f w ve , he ns ed oope aest rt o s ome de e orpr des a e a ton f is nonc gr e ovi n xplna i or t ompla ,a f c quesi i pr s nt f r ince a t ton s e e ed o r s lto b aj r . Hama v Fe e a I s Co,79 So 2 81 ,81 ( a 4h DCA 2 01 e ou in y u y' i n . d r l n . . 8 . d 1 2 F1. t ' 0 ) (iain o te ) He e i i u ipue ta Rie Oa sdd n tttly fi t c mpy wi te ctto s mi d . r , t s nds td h t v r k i o o al al o o l t h t h P s- s Pr vso a c r i gy i wo l b i r p rt e trj d me ta amatro lw i o tLo s o iin, c o d n l, t ud e mp o e o ne u g n s te f a n 11 Ri rOa ' f voron t sc .I t sc e,a g nui i s ofm ae i lf c e sswih r s c ve ks s a hi ount n hi as e ne s ue tra a t xit t e pe t t wh te Rie Oa vo ae i d t t ( )p o iep o ta d s fiin n tc , 2 p o ie o eh r v r ks iltd t u y o 1 r vd r mp n u fce t o ie ( ) r vd s iv n o iso t ed ma e a d u d ma e p o e t, 3 p r tAs e t is c t ePr p ryt n e t re f h a g d n n a g d r p ry ( ) emi p n o n pe t h o e t o d tr n te a u to ls o da g ,a ( ) c o rt d rn t e cam i etg to ee mie h mo n f o s r ma e nd 4 o peae u ig h li nv siain PC OCCSS. 5 M at ng and Re ac ntCoss . chi pl eme t As movest Cour t dee mi t tt Polc doesnotr quie As n t ' ac ' pen he t o tr ne ha he iy e r pe o ' th' m t da a s W hieRi Oa di notr s t sar ume i opposton t As n' r ques, Iam he m ge . l ver ks d aie hi g nt n ii o pe s e t p e ld d fo e trn j d me to As e ' b hafo t i is eb c u eAs e dd n tse a rcu e rm nei g u g n n p ns e l n hs su e a s p n i o e k de a a i t ti wa no r quie t û t h' t wi clr ton ha t s t e r d o ç c ' he ndows si ng gl s door ,o r s i is ma , ldi as s r oof , n t Compl nt ai . Ac di y,i i he e cor ngl t s r by, O RD ER ED A ND A D JUD G ED t t ha : 1 As n' Mo inf rS . pe s to o umma yJ d me t( 4 )i DENI a d r u g n DE 9 s ED; n 2 Rie Oa ssM oi nf rP ril mmayJ g n ( 35 i GRANTED I PART . v r k ' to o a ta Su r ud me t DE ) s N AN D D EN I I PA R T. ED N I i f rhe , ts ut r ORDERED AND ADJUDGED t t ha : TheCl r ofCour i die t d t e e JUDGM ENT i f ek t s r c e o nt r n avorofRi rOa a ve ks nd a ns As o c gai t pen n ountone,c ountt i pa t a c wo n r, nd ountt n oft Compli ;a e he ant nd Cot t i pa t co tt ee a co f s lPROCEED t ti l mt wo n r, un hr , nd unt our hal o ra . DO NE AND O RDERED a Cha be si W es Pal Bea h,Fl i t s t m r n t m c orda, hi Augus ,201 t 2. 1 2 da of y A L M . I D LEBRO OK S M D UN I TED STA TES DI STR I J D G E CT U Co est pi o: Couns ofRe r el co d 1 3

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