State Farm Fire and Casualty Company v. Kirk et al, No. 5:2013cv00097 - Document 51 (W.D. Va. 2014)

Court Description: MEMORANDUM OPINION. Signed by District Judge Michael F. Urbanski on 4/21/2014. (jat)

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S OIfI S. SI I T H E U N I ED S N T TAT E S D I T RI CO U RT CLERK' ATZ7C/ D. DI COUFF S CT ROANOKE, VA FO R TH E W E S ERN D I T STR I O F W R G I I CT N A FI ED L H ARR ISO N BU R G D I ISIO N V AP 2 12 1 R 94 3U' .U ,LR YL j D C K J ; S TATE FARM FI & CASUM X Y CO. RE , P TY CLERK Pl ntf, ai i f Ci l c i N o. 5:3c 09 vi A ton : 1 v00 7 CYNTH I L.M RK, Pa A <! J, By:H on.M i hae F.Ut ns c l ba ki Unied St e Diti J t ats stct udge D e endant . f s M E M O R AN D U M O PI I N N O Thi matti b fr t ec t o apo d n o d fnd n Cy haL. r ' (Kik' oit a s te s eo e l out n r o f ee a t nti Kiks < *' rgn l a < ) ' m oton t dim i and on K ik' m oéon t dim is t am e l entcom pl nt D kt N os 8 & 49, i o s ss ts o s s he nfm ni . . . r pecdvey. Fort reas sat het n,t colr wilD EN Y bot m odons. es l he ons t ed ei he zt l h I k hasa hom eow nersi ut O ' ns ance polc wih pli fSt e Fa m Fie and Cas t iy t andf at t i ualy Co n rsaeFam7.l ti d caao yj g n a t n SaeF e s e st etbihta i mpa y ttt r ' n h s elrt r ud me t ci , tt am e k o sa l h tt ) o s has no dut undert polcy t def nd ori m niyK ik ast ce t n t tcli sm ade by Sam uel y he i o e nde f r o r ai or am M ooresobel a m i s ng by li nextfie a m ot ri st e com tl St e Far i cur l , nor ui ls t nd nd he n at at m s t enty pr di c r ge t K ik unde a r s t ton ofrg s I isorg' a c pl i , a e Fa m ovi ng ove a o r r e eva i i ht . n t i m l om a nt St t t 1Sam uelM oor sobela hi m ot K at yn M ooreare co- endant i t sdec a at y end s her hr def s n hi l r or j me a don.Thec tprvi l dele t i modont dimis DktNo, fom t be h, udg nt c out e ousy rid her o s s, . 28,r he nc bec e,des t t M oor ass r t t contar a t tpbi fi a neces a paty t a aus pie he es' e ùon o he t y, or ndf s s ry t o n a donbr htbyat tdefnda ' l biiyi lrts e ngade lrt yj me t tiha no c oug or e ntsi lt nsze eki a caaor udg nt ha t s obl dont prvi c tg t isi trd.Se MutAsm . ofVa v. a m,45Va Ci. ka o o de ovea e o t nste e . s Soc. . Grha . t 5 ,1 98W L 97 9, t+1( c 28 9 222 a RihmondCi. .1 ) I i f t st aont tt Moorsae rCt 998. t s orhi e s ha he e r pt tl algned asdef ope y i endant i ttscase aong w ih I k. SeeBt V ent es.1, C v.A m br t , s n li l t o ave ur 1, es er 8 4F.S 2d35 358( D. 2 2 (e lg 'gapat a adee nti ade lr t y 5 upp. 6, E. Va. 01 ) raimn ry s fnda n cuaor j udgme a donbe a eçtl apli ifi aspaaet tsttilsat c thi s l i eeti tls nt c c us fas nntf n e rt or ti t t e out, s oe ntrs n li acdon woul be m axi i ng hi pot d m zi s endalr ecove and t ref esabls ng cove age unde a ry, he ore t ihi r r ny a ali urnc polce t tc dpotndal c nd l ns a e iis ha oul e l ompe aehi i heprvali hi lwstt'. y nst m,f e is n sa ti' ) a lge t l r f ie t c pl wih t notc r qu r m e s oft pohc a t t t t e e le d hat vik a l d o om y t he i e e ie nt he y nd ha , o he xt nt t i dentw asfexpect oti endedy't polc excl he nci < ed nt ' he iy uded covet qge. D kt N o.1. . l he frtmotont dimis Kikag dt tt c tlc dj ididona i t n t ts i o s s, r rue ha he our a ke urs c nd,n he atr a v ,h ttec u ts o l a san fo h aigt sd caao yjd me ta d np ru n t len é e ta h o r h ud b ti r m e tn hi e lrt r u g n c o u s a t o t f ot s f t by t Fom t Cicui i N a ius l Co.v.W i he act s et or h he h t t n utl ns. nchest H om es I , 15 F. et . nc. 3d 371( . Ci.1 ) Thos f a tntonf t sae: 4t t 994. h e our bse i acor t ( t srngh of ta saes i ee ti ha ng t is s rie i t f zl i he te t ) le tt' ntts n vi he sue asd n he edea declrat y acdon decded i t s a e cout s a or i n he t t t; @ wh t rt eis e tie i tefd rla t n cn mo ees in l b t s le i ehe h su s as d n h e ea ci a t f ce t e eov d n o y t courti w hi t s a e acdon i pe ng; he n ch he t t s ndi @ )wh t rp r t n t efd rla d n t g f r r wo l r s li u n c say ehe emid g h e ea c o o o o wad ud eut n n e e sr rent em ent'bet ï angl ' ween t f aland s at cott s em s beca e oft pr ence he eder t e tt yst , us he es of'overa ng is off ot1w ';and K l ppi s ues act a ' ( whehe t de ltt y j gme a don i beng usd meey a a de c ft i v) t r he caaor ud nt c s i e rl s vie o < t ed a fncng' t ti,fo pr dea he f u i arc f r j c t' < oc url e i ' ha s d ovi not r or m n a e or es udiaa' P t ottt aclive a f alhearng i a cas ot wi e nott ovabl ' do le edet i n e her s em e.' J oa 37 Foc i g on t tnr fc ot I r a gue t tt r we et t a onswhihwar nt d . t 7. usn d he lid a t ,tik r d ha he e t wo e s c ra e a tnton:()t is ofnoéc a ()t is ofwhehe t i i ntwa f x ce ot bse i 1 he sue e nd 2 he sue t r he ncde s d pe td e i ende ' The cout hel a hea i on t m oton on M ar 6,2014. The cour deni I k' nt d.' t d rng he i ch t ed e s m odon t dim isi pa ta t k i t de a s m e i pa t D kt N o. . S i al ,t c t o s s n r nd oo t m r dvie nt n r . . 40 pecfc l he our y tjce Kiksf s t oag me t a t j idc na dn t e a dt o u e a vsme tKi ' ee td t ' t t v r u n s s o ur ido n oi / n o k nd r d ie n r s t v s c k a gum entt abst t hat endon i pr s opetbecaus det m i ng whe hert i i w asïexpect or e er ni t he ncdent t ed i ended' woul r ul i ent ngl entwih t s at cot det m i i ofta wiluland w a on nt ' d es t n a em t he t e ut et naton le lf nt n gke c c u alg di t u elmgtr a d n e l n e o nt l e n he nd ry o t c o . e ' 2The cot f ut ound m e il sl k' a gum entt St e Far i a cii ofVigi a f pum os of rtes o s t hat at m s tzen t ni or es 28U. C. 1 2()1 be a eStt Fam i af eg c m o a rgsee t c S. j 33 c() cus ae r s otin o r don e itrd o onduc busne si t is n Vigni.Thec tlke s rjce l ksag ntt tt Na iusde ii c ri a our i wie ee td o ' rmne ha he utl cson ompeldt c t le he out t a t i fom addres i t ques i ofnotce.Thi i bec o bs an r sng he ton i s s ause K igiza cout sha ext i y t t ti v t ve ensvel exa i t i ue ofw het r a i ured hastm ey notfed t i ur ' and,conseque l t m ned he ss he n ns i l ii he ns er' nty, he is ofnotce fi notnoveland Vigm i accor ngl hasno excepdonal cot t - lng i e ti s ue i ds z' a di y , m er veii nt res n ltgatng t i s i is ow n couts.' V i ' ' Fat Btr M ut l Co.v.Sut rand,N o.CI . . ii i he s ue n t t ' t a ' teau m . ns. he l VA 7: 03CV0 22, 4W L 3 38 a * ( D. . b.2 200 ) 01 200 565 , t 3 W. Va Fe 5, 4 . O n M ar 20,2014,St e Fa m fl an am ende com pli . D kt N o.42. l isam ended ch at r led d ant . nt com pli ,St e Far agai ass t t Kik f l t com pl wih t nodcere r ent oft ant at m n ers hat r aied o y t he quiem s hc polcy,butdropsisas t i t t t ext t i dentwas Texpect ori e i t se ton haq o he ent he nci t ed nt ndedy't polcy ' he i excl udescover age. O n Aprl10,2014,l k fl a m oton t dim i st t am ended com pli i i O ted i o s s o he ant n whi h s sm pl a c he i y dopt d a i om or t d he a gu e s po nt a a horde s tf t i he e nd nc a e r r m nt , i s nd ut i s e or h n r oki l t nt ds s.Dk. . 9 r na moi o imis tNo 4 . o Becaus St e Far no l r as er st ,t t ext t i dentwas<expec ed or e at m onge s t hat o he ent he nci f t i endedy't polc excl nt ' he iy udescover t re ani porton ofKik' otgi lm oton t di is age, he m i ng i r s i na i o sm s i pr l deni asm oot Flrher ote,asK ik r sesno new ar ent i he m odon t dim i s opery ed . zt m r ai gum s n r o s ss t a e d c pl i ,t tm odo i pt ry de e A c orl y, n a opza e O r tw11be he m nde om a nt ha n s ope l ni d. c ci ngl a ppr i t de * 1 ent t sday denyi t re ai r ofI k' m ot t dim i s ered hi ng he m nde o s bns o s s . The cl k i di ect t s a copy oft sM em ora l O pi on t alcouns ofr d. et s r ed o end hi ndxm ni o l el ecor Ent red: Aptl21,201 e i 4 * ' . * r '' . 2 f . . . 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