Allstate Vehicle and Property Insurance Company v. Wogrin

CourtDistrict Court, D. Colorado
DecidedDecember 5, 2024
Docket1:23-cv-00803
StatusUnknown

This text of Allstate Vehicle and Property Insurance Company v. Wogrin (Allstate Vehicle and Property Insurance Company v. Wogrin) is published on Counsel Stack Legal Research, covering District Court, D. Colorado primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Allstate Vehicle and Property Insurance Company v. Wogrin, (D. Colo. 2024).

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF COLORADO Judge Robert E. Blackburn Civil Action No. 23-cv-00803-REB-TPO ALLSTATE VEHICLE AND PROPERTY INSURANCE COMPANY, Plaintiff/Counterclaim Defendant, v. TREVOR WOGRIN and TIFFANY KEEN, Defendants/Counterclaim Plaintiffs.

ORDER DENYING MOTION FOR DISPOSITIVE SANCTIONS Blackburn, J. This matter is before me on defendants’ Motion for Dispositive Sanctions – Spoliation and F.R.C.P. 37 [#71],1 filed August 26, 2024. I deny the motion. This action arises from a fire which occurred at the home of defendants Trevor Wogrin and Tiffany Keen. The home was insured by plaintiff Allstate Vehicle and Property Insurance Company (“Allstate”), which includes, relevantly for present purposes, an intentional acts exclusion. By this action, Allstate seeks a declaration that the coverage is excluded under the policy; defendants counterclaim for breach of

insurance contract and statutory and common law bad faith. Defendants purchased the home shortly before the events underlying this lawsuit and were renovating the property themselves. On June 5, 2022, they were continuing demolition in the home with some friends; after Ms. Keen and the friends left, Mr. 1 “[#71]” is an example of the convention I use to identify the docket number assigned to a specific paper by the court’s case management and electronic case filing system (CM/ECF). I use this convention throughout this order. Wogrin continued working until around midnight. The evidence as to how well the house was secured when Mr. Wogrin left is conflicting. When Mr. Wogrin returned to the home the following morning, the house was filled with smoke, which emanated from a smoldering pile of debris in a lower-level bedroom. Defendants notified Allstate of the fire that same day. Allstate then hired an

attorney to conduct a subrogation investigation, who in turn engaged a fire investigator, Todd Hedglin, to determine the cause and origin of the fire. In connection with that investigation, Mr. Hedglin gathered a sample of the fire debris, including three or four charcoal briquettes from the pile itself, as well as five more from a bag nearby; a smoke detector; and a ten to twelve-inch length of sheathed conductor wire. The conductor previously had been hanging out of a wall near the debris pile, but Mr. Wogrin had cut out both the conductor and a portion of the wall above it before Mr. Hedglin arrived. Mr. Hedglin examined the conductor under a microscope; three close-up, color pictures of the conductor were appended to his expert report (see Resp. App., Exh. 18

at 80-81) and nine comparison photos showing exemplars of arcing are appended to his declaration in response to this motion (see id., Exh. 14 at 12-14 (Attachment 1)).2 He found no evidence of arcing, which he stated would have been observable had it occurred. Together with the fire patterns, he concluded the conductor had not been an ignition source. (Id., Exh. 18 at 39-40.) Finding no other potential accidental ignition sources, having eliminated alternative causes, and noting the fire pattern, Mr. Hedglin

2 In their reply brief, defendants argue for the first time that Mr. Hedglin himself spoliated the copper conductor by wiping it clean, allegedly in violation of National Fire Protection Association (NFPA”) standards. (Reply Br. at 6.) Because arguments raised for the first time in a reply brief are deemed waived, I do not consider this assertion. See Bordertown, LLC v. AmGUARD Insurance Co., 2022 WL 17538186 at *2 (D. Colo. Oct. 5, 2022). 2 ultimately concluded the fire was incendiary, meaning the fire was “intentionally ignited in an area or under circumstances where and when there should not be a fire,” “with the application of an open flame and ignition of charcoal briquets at the area of origin.” (Id., Exh. 18 at 5 & n.1.) He did not conclude, nor was it within his purview to conclude, who

may have started the fire. Meanwhile the Rattlesnake Fire Protection District (“RFPD”) also was investigating the cause of the fire. On June 24, 2022, Fire Chief Cass Kilduff sent a letter addressed to Mr. Hedglin citing Colorado’s Fraudulent Claims and Arson Information Reporting Act, §10-4-1001–10-4-1009, C.R.S., requesting “specific, relevant information or evidence . . . which the insurer has in its possession and which relates to the fire loss[.]”3 §10-4-1003(2), C.R.S. (See Resp. App., Exh. 20.)4 In response, Mr. Hedglin produced to Chief Kilduff the physical evidence he collected from the scene, in connection with which both men executed an “Evidence Inventory Transfer” form outlining the evidence forwarded to RFPD.5 (Id., Exh. 21; Motion App., Exh. A-1.)6

However, it is undisputed that neither Mr. Hedglin nor any representative of Allstate 3 Mr. Hedglin testified he did not receive this letter personally, but was notified to send the evidence in his possession to Chief Kilduff by someone at Allstate. (Motion App., Exh. 3 at 134.) 4 Given this request, it strikes the court as curious that Chief Kilduff states in his sworn affidavit that RFPD did not suspect arson and concluded its investigation on June 6, 2023, the day defendants discovered the fire, and that his opinion remained unchanged after attending Mr. Hedglin’s interviews with Mr. Wogrin and Ms. Keen. (Motion App., Exh. A ¶¶ 9-10 & 13 at 3.) 5 While Chief Kilduff states he did not request physical evidence from Mr. Hedglin (Motion App., ¶ 16 at 4), his letter was broadly worded to encompass “relevant information or evidence deemed important by the authorized agency” (Resp. App., Exh. 20 at 1), and he obviously accepted the physical evidence with which Mr. Hedglin provided him. Nor does it appear Chief Kilduff complained that Allstate or Mr. Hedglin failed to provide him with the documentary evidence he specifically delineated in the letter. 6 The court is frankly flummoxed by defendants’ argument that “the letter was sent almost a month before the Evidence was transferred, indicating it did not prompt the transfer.” (Reply Br. at 5.) This is not how linear time works. 3 specifically told Chief Kilduff he should retain and preserve this evidence. There is no competent evidence that litigation was anticipated at that time.7 This lawsuit was filed on March 30, 2023. In June 2023, defendants’ fire investigator, Rick Baldwin, contacted Chief Kilduff and requested this evidence for his own inspection. Chief Kilduff advised he had disposed of the evidence the previous

April, having himself concluded there was no evidence of arson, and unaware Allstate had initiated this action just three weeks prior. Mr. Baldwin insists the loss of the charcoal briquettes and the conductor has hindered his investigation. In particular, he asserts the inability to examine the conductor in a laboratory setting makes it impossible to rule out an electrical fault as a potential ignition source and that “[t]he sole photograph of the wire included in [Mr. Hedglin’s] report was not an adequate substitute for an examination by an electrical expert.” (Motion App., Exh. H.)8 Based on this series of unfortunate events, defendants now move for entry of judgment against Allstate as a sanction for what they perceive as its intentional, bad

faith, spoliation of this evidence. Alternatively, they seek an adverse inference instruction with an irrebuttable presumption that their loss is covered and the intentional acts exclusion of their policy is inapplicable, as well as the exclusion of any evidence relating to or stemming from Mr. Hedglin’s investigation, which essentially amounts to 7 In a footnote, defendants suggest Allstate was contemplating litigation as early as November 2022, referencing an unverified note in a log allegedly maintained by a third-party housing vendor. (Motion App., Exh.

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Allstate Vehicle and Property Insurance Company v. Wogrin, Counsel Stack Legal Research, https://law.counselstack.com/opinion/allstate-vehicle-and-property-insurance-company-v-wogrin-cod-2024.