Tag: Robohm v State Farm

Mississippi Law Journal publishes “…Rendered far too late” – Chip Merlin on Corban v USAA

To understand the significance of the Mississippi Supreme Court’s decision in Corban v. USAA, it is necessary to consider the financial devastation and unnecessary insurance coverage litigation caused by the absence of it during the four years from the date Hurricane Katrina hit Mississippi’s gulf coast.

Merlin’s lead grabbed my attention as did his page one footnote referencing SLABBED:

The obliterated structures have been termed by those in Mississippi’s gulf coast “slabbed,” as there was literally nothing but a slab left where homes and businesses once stood. Slabbed is also the name of a blog that has chronicled the reconstruction efforts and struggles with the insurance industry along the way. For more on this topic and stories behind the Katrina litigation, see http://www.slabbed.org.

Since Merlin’s blog provides what he calls the “Reader’s Digest version” of his article for the Mississippi Law Journal, SLABBED moves from his lead to the references to Bossier v State Farm and Robohm v State Farm in his Conclusion: (emphasis added)

While the Corban decision made it clear that insurers cannot use the ACC and wind/water protocol to evade their burdens under an all-risk policy, State Farm’s trial motions show that it is still using both to deny claims. One month after Corban was released, State Farm tried to shirk its obligations with a tortured interpretation of Continue reading “Mississippi Law Journal publishes “…Rendered far too late” – Chip Merlin on Corban v USAA”

Chip Merlin’s Gulf Coast case law update provides context for SLABBED update on recent developments in selected Katrina cases UPDATED

Merlin lived up to his name when, like the magician, he pulled this list of case law out of his hat, so to speak, and posted it on his blog last week – providing the context  for an update on several cases we’ve followed on SLABBED.  Case law was the focus of Merlin’s presentation at a recent Windpool Conference session for adjusters and the listed cases are those expected to “affect those adjusting claims in Gulf Coast areas outside of Florida”:

A second listing of related “practical points” followed and included, among others, two of particular interest: Continue reading “Chip Merlin’s Gulf Coast case law update provides context for SLABBED update on recent developments in selected Katrina cases UPDATED”

Robohms issue reality check in motions filed today! Robohm v State Farm

The subject policy contains language commonly referred to as the “Anti-Concurrent Causation Provision” or “Weather Conditions” exclusion which State Farm has characterized as preventing any recovery for wind damage when the insured property also sustains damage caused by another weather condition… The Mississippi Supreme Court has rejected the argument that the anti-concurrent clause is not ambiguous or not enforceable. The Mississippi Supreme Court held, in Corban v. United Services Automobile Assn., 20 So.3d at ,-r,-r 32, 40-41, that the anti-concurrent clause was ambiguous and unenforceable to the extent that it purported to exclude any wind loss if it occurred separately from and in any sequence to excluded water loss.

State Farm has already argued this exact issue before the United States District Court for the Southern District of Mississippi in another identical Hurricane Katrina related case this month. (See Memorandum Opinion in Charles Spansel and Janet Spansel v. State Farm Fire and Casualty Company…) In Spansel, the District Court found that “State Farm has not shown it is entitled to summary judgment on this portion (anti-concurrent clause) of the declaratory judgment claim”. In light of this ruling and others like it, the doctrine of collateral estoppels prohibits State Farm from contending here that the contract for insurance is not ambiguous as to any perceived anti-concurrent clause.

Plaintiffs’ Motion for Declaratory Judgment, one of five motions the Robohms filed on the 19th of January, was followed on the docket by State Farm’s Motion for Summary Judgment or in the alternative Partial Summary Judgment and supporting Memorandum:

Plaintiffs’ claim for declaratory judgment fails because…it is at odds with Mississippi Supreme Court precedent establishing that the water damage exclusion in the applicable policy unambiguously excludes damage from storm surge and that the anti-concurrent causation clause excludes damage caused by wind and flood acting concurrently. See Corban v. United Servs. Auto. Ass’n, 20 So. 3d 601,614-15 (Miss. 2009).

Buckle up, folks. We’re going to the other end of the Coast – 423 East Beach Drive, Ocean Springs – and way back to see what this case is about before discussing the other motions filed yesterday.  Continue reading “Robohms issue reality check in motions filed today! Robohm v State Farm”

SLABBED Monthly – September (catching up on Rigsby, Bossier, Robohm, Anthony, Harris, Montet, Lizana, and New Light Baptist v State Farm)

Thirty days hath September; but, this September it would take 60 to get everything done – and I’m not the only one wondering if the season is called “fall” because those who don’t fall behind are about to fall over.  Sop sends me text messages as he and little Sop make their way from football practice to a soccer game; and, I text back as soon as I find a place to pull over.  Since we can’t begin October without September done, I’ve grabbed a handful of incomplete posts and tossed the basic information into this update.

Rigsby v State Farm:

NOTICE of Hearing: Telephonic Status Conference set for 10/13/2009 01:30 PM before Magistrate Judge Robert H. Walker to establish a scheduling order for the discovery and trial of the Relators claim. One week prior to the conference, counsel are to submit, via email, a confidential memo in PDF format, detailing anticipated discovery by each party (including the number and names of deponents) and a requested time frame for discovery.

Bossier v State Farm

Several interesting developments here including this surprising one – Judge Walker issued an Order denying (yes, denying) a State Farm motion!

The evidence presented to the Court is uncontested that Fountain prepared the affidavit; that the affidavit included only part of what Ziz told Fountain; and that it omitted information about the rapid rise of flood waters from the Bay of  Biloxi. This Court finds such evidence insufficient to warrant disqualification of counsel. It is therefore, ORDERED that the motion to disqualify Attorney Stanton J. Fountain , Jr. as counsel for Plaintiff is denied.

Bossier’s counsel, coast attorney Judy Guice aka Seabiscuit (Judybisquit) withdrew the motion to expedit a  hearing on sanctions against State Farm for violation of the court’s September 3 order pending review of the documents belatedly provided by State Farm. (emphasis added)

On September 24, 2009, at approximately noon, counsel for Plaintiff received four discs represented to contain claims files ordered by this Honorable Court on September 3, 2009. Said discs appear to contain documents relating to approximately 150 claims files. (emphasis on 150 added!)

Meanwhile, State Farm has filed Continue reading “SLABBED Monthly – September (catching up on Rigsby, Bossier, Robohm, Anthony, Harris, Montet, Lizana, and New Light Baptist v State Farm)”