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Coleman v. Allstate Ins. Co.

United States District Court, D. Columbia.

February 13, 2015

PAMELA COLEMAN, M.D., Plaintiff,
v.
ALLSTATE INSURANCE COMPANY, Defendant

For PAMELA COLEMAN, Plaintiff: Alexia Kent McClure, LEAD ATTORNEY, STEIN SPERLING bennett de jong driscoll greenfeig, pc, Rockville, MD; Edward Andrew Cole, LEAD ATTORNEY, STEIN, SPERLING, BENNETT, DE JONG, DRISCOLL & GREENFEIG, Rockville, MD.

For ALLSTATE INSURANCE COMPANY, Defendant: Geneau M. Thames, NILES, BARTON & WILMER, LLP, Baltimore, MD.

MEMORANDUM OPINION

TANYA S. CHUTKAN, United States District Judge.

Plaintiff Pamela Coleman, M.D., brings this action for breach of contract against Defendant Allstate Insurance Company (" Allstate" ). Coleman alleges that Allstate materially breached the terms of a homeowners insurance policy when it refused to pay a claim relating to water damage at Coleman's home. Coleman moves for summary judgment relating to liability under Federal Rule of Civil Procedure 56, arguing that she suffered a covered loss under the policy and Allstate cannot rely on a policy exclusion to avoid liability as a matter of law. Because there remain numerous genuine issues of material fact as to coverage under the policy, the motion for summary judgment is denied.

I. BACKGROUND AND PROCEDURAL HISTORY

The following facts are drawn from the allegations in the Complaint and exhibits attached thereto. Coleman owned a home in Washington, D.C. (the " Property" ). (Compl. ¶ 1). She purchased a Deluxe Plus Homeowners Policy from Allstate to insure the Property (the " Policy" ). ( Id. at ¶ 6). On January 28, 2013, the Property sustained significant water damage (the " Loss" ). ( Id. at ¶ 7). Coleman reported the Loss to Allstate and made a claim under the Policy. ( Id. at ¶ 12). Allstate officially denied the claim in March 2013, ( Id. at ¶ 15), asserting that the Policy did not cover " [f]reezing of plumbing" or other water damage caused by freezing " while the building structure is vacant, unoccupied or being constructed unless you have used reasonable care to: (a) maintain heat in the building structure; or (b) shut off the water supply and drain the system and appliances." ( Id. at ¶ 14). Allstate explained that " [t]he policy clearly states you must maintain the heat properly and our review of your utility bills clearly shows that the heat was not properly maintained." ( Id. at Ex. 3). Allstate later alleged that Jamal Talib, Coleman's claims adjuster, told an Allstate representative that Coleman had moved out of the Property months prior to the Loss and was renting a different residence. ( Id. at ¶ 16).

As a result of Allstate's denial of coverage, Coleman brought the instant case. She originally filed suit in the Superior Court of the District of Columbia on January 24, 2014. Allstate filed a Notice of Removal to this Court on February 19, 2014 and filed an Answer the same day. Less than a month later, and apparently before discovery had begun, Coleman filed the present motion for summary judgment as to liability.

II. LEGAL STANDARD

Summary judgment may be granted if " the movant shows that there is no genuine dispute as to any material fact and the movant is entitled to judgment as a matter of law." Fed.R.Civ.P. 56(a); see also Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 247-48, 106 S.Ct. 2505, 91 L.Ed.2d 202 (1986); Holcomb v. Powell, 433 F.3d 889, 895, 369 U.S.App.D.C. 122 (D.C. Cir. 2006). Summary judgment may be rendered on a " claim or defense . . . or [a] part of each claim or defense." Fed.R.Civ.P. 56(a). " A party asserting that a fact cannot be or is genuinely disputed must support the assertion by citing to particular parts of materials in the record." Fed.R.Civ.P. 56(c)(1)(A). " A fact is 'material' if a dispute over it might affect the outcome of a suit under the governing law; factual disputes that are 'irrelevant or unnecessary' do not affect the summary judgment determination." Holcomb, 433 F.3d at 895 (quoting Liberty Lobby, Inc., 477 U.S. at 248). An issue is " genuine" if the evidence is such that a reasonable jury could return a verdict for the nonmoving party. See id. The party seeking summary judgment " bears the heavy burden of establishing that the merits of his case are so clear that expedited action is justified." Taxpayers Watchdog, Inc., v. Stanley, 819 F.2d 294, 297, 260 U.S.App.D.C. 334 (D.C. Cir. 1987).

When a motion for summary judgment is under consideration, " the evidence of the nonmovant[s] is to be believed, and all justifiable inferences are to be drawn in [their] favor." Liberty Lobby, Inc., 477 U.S. at 255; see also Mastro v. Potomac Elec. Power Co., 447 F.3d 843, 850, 371 U.S.App.D.C. 68 (D.C. Cir. 2006). The nonmoving party's opposition, however, must consist of more than mere unsupported allegations or denials, and must be supported by affidavits, declarations, or other competent evidence, setting forth specific facts showing that there is a genuine issue for trial. Fed.R.Civ.P. 56(e); Celotex Corp. v. Catrett, 477 U.S. 317, 324, 106 S.Ct. 2548, 91 L.Ed.2d 265 (1986).

III. ANALYSIS

Coleman argues that the record clearly shows the Loss was covered by the Policy and that Allstate cannot rely on the policy exclusion to deny coverage. Coleman claims that she resided at the Property at the time of the Loss, meaning the Property could not have been " vacant" or " unoccupied" under the terms of the Policy, and Allstate's purported justification for denying her claim fails as a matter of law.

Coleman's evidence in support of her motion is her own affidavit attesting to the facts laid out in her Complaint--that the Property sustained water damage, that she lived in the Property at the time of the Loss, and that Allstate denied coverage--and an affidavit from Jamal Talib, her claims adjuster.[1] Talib's affidavit highlights the existence of a genuinely disputed material fact, since it appears to contradict Allstate's basis for denial of coverage. Coleman's self-serving affidavit similarly does little to establish that no material facts are in dispute. Brooks v. Kerry, No. 10-646, 37 F.Supp.3d 187, 2014 WL 1285948, at *8 (D.D.C. Mar. 31, 2014) ( " when a 'declaration is self-serving and uncorroborated' it is 'of little value at the summary judgment stage'" ) (citing GE v. Jackson, 595 F.Supp.2d 8, 36 (D.D.C. 2009)). This is particularly so where, as here, Coleman's affidavit suggests that other corroborating evidence exists, including testimony from her husband and other evidence that could prove she resided at the Property during the time the Loss occurred.

In contrast to Coleman's paucity of evidence, Allstate has offered evidence sufficient to allow a jury to find in its favor. According to Allstate, on February 10, 2013, an Allstate claims adjuster took photographs to document the water damage; the photographs show almost no furniture or personal effects in the Property aside from packed boxes. (Def. Opp'n Ex. 5). Allstate also obtained a copy of the heating bill for the Property, which shows that in January 2013 (the month of the Loss), energy use fell to 25% of the usage from the previous January despite the average temperature being the same. ( Id. at Ex. 4). Allstate also submitted the affidavit of Robert Coles, another claims adjuster who performed a second inspection on February 19, 2013. Mr. Coles attests that his inspection showed four separate frozen pipes, and that he " walked throughout the property and took pictures [see Ex. 3]. There was no furniture, the Property contained limited personal property/contents within it, and the remaining items were packed in boxes or looked as if they were to be packed into boxes." ( Id. at Ex. ...


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