American Select Insurance Co., et al. v. Great Lakes Water Authority, et al.

District Court, E.D. Michigan·Decided June 2, 2026·No. 2:23-cv-11942·Unknown

Opinion

UNITED STATES DISTRICT COURT EASTERN DISTRICT OF MICHIGAN SOUTHERN DIVISION AMERICAN SELECT INSURANCE CO., et al.,

Plaintiffs, Case No. 23-cv-11942 Hon. Matthew F. Leitman v. GREAT LAKES WATER AUTHORITY, et al.,

Defendants. __________________________________________________________________/ ORDER (1) GRANTING IN PART AND DENYING IN PART DEFENDANTS CITY OF DETROIT’S AND DETROIT WATER AND SEWERAGE DEPARTMENT’S MOTION TO DISMISS (ECF No. 46) AND (2) DENYING DEFENDANT GREAT LAKES WATER AUTHORITY’S MOTION FOR JUDGMENT ON THE PLEADINGS (ECF No. 47)

The Detroit Water and Sewerage Department (the “DWSD”), a department of the City of Detroit (the “City”), and the Great Lakes Water Authority (the “GLWA”) operate a combined sewer system that serves much of the Metropolitan Detroit area. The DWSD operates the portion of that system that serves the City; the GLWA operates the rest of the system. In June of 2021, the sewer system overflowed and/or backed up after a rainstorm hit the region. The overflow/back-up damaged real and personal property owned by residents insured by Plaintiffs American Select Insurance Company, Westfield Insurance Company, and Westfield National Insurance Company (collectively, “Plaintiffs”). Plaintiffs paid for the damage incurred by their insureds, and Plaintiffs now seek to recover from the DWSD, the City, and the GLWA the

amounts they paid out. Plaintiffs claim that the Defendants are liable for the amounts paid to cover losses caused by the overflow/back-up because the sewer system they operated did not have sufficient capacity to handle the rainfall from the June 2021

storm and because they failed to properly maintain two pumping stations. (See Third Am. Compl., ECF No. 37.) Now pending before the Court are (1) a motion to dismiss filed by the DWSD and the City (collectively, the “Detroit Defendants”) (see Mot., ECF No. 46) and (2)

a motion for judgment on the pleadings filed by the GLWA (see Mot., ECF No. 47). For the reasons explained below, the Detroit Defendants’ motion is GRANTED IN PART AND DENIED IN PART and the GLWA’s motion is DENIED in its

entirety. I A Plaintiffs are insurance companies that provide property insurance to

“approximately 1,400 insureds” in Wayne, Oakland, and Macomb counties. (Third Am. Compl. at ¶¶ 1-3, ECF No. 37, PageID.486.) Plaintiffs’ insureds suffered damages from flooding during the June 2021 storm, and “as a result of claims made

on [the insureds’ insurance policies],” Plaintiffs became entitled “to certain recovery rights … including the claims giving rise to [this] cause of action.” (Id. at ¶ 4, PageID.486-487.)

The Detroit Defendants and the GLWA are “governmental agenc[ies] that manage[] and [are] responsible for” the sewage disposal system in the City and surrounding counties. (Id. at ¶¶ 5-6, 8, 13, PageID.487-489.) “Historically, the

[Detroit Defendants] owned and operated a sewer system that served wholesale customers – municipalities other than Detroit – and Detroit retail customers.” (Resp., ECF No. 46, PageID.994.) But in 2015, the Detroit Defendants decided to “bifurcate” their sewer system. (Id., PageID.995.) At that time, “a newly

established, governmental agency, the GLWA, entered into a 40-year lease to operate and maintain exclusively the regional portion of [the Detroit Defendants’ sewer] system and its assets” (the “Lease”). (Id.; See also Third Am. Compl. at ¶¶

9, 14, ECF No. 37, PageID.488-491.) Under the terms of the Lease, the Detroit Defendants “retained control over only those assets it needed to serve local Detroit retail customers,” while “the GLWA assumed ‘all of the [Detroit Defendants’] duties, liabilities, responsibilities and obligations’ associated with the regional sewer

system” [i.e., the portion of the system that served customers outside of the City]. (Mot., ECF No. 46, PageID.994, quoting Lease at § 4.4, ECF No. 25-1, PageID.194.1) The Court will discuss the relevant terms of the Lease in much greater detail below.

B On June 25 and June 26, 2021, “bursts of heavy rain in Wayne County, [Michigan] resulted in mass flooding throughout the county.” (Third Am. Compl. at

¶ 15, ECF No. 37, PageID.491.) That flooding “led directly to sewage disposal system events in which the overflow and/or backup of Defendants’ sewage disposal system caused water and other liquids to overflow” onto “real property” owned by homeowners in Wayne, Oakland, and Macomb Counties. (Id. at ¶ 16.) The resulting

flooding caused substantial damage to those properties. (See id. at ¶ 10, PageID.489.) Many of the affected homeowners were insured by the Plaintiffs. (See id. at ¶¶ 3-4, PageID.486.) The homeowners then filed insurance claims with Plaintiffs, and

Plaintiffs “paid” those claims “pursuant” to the terms of the homeowners’ insurance policies. (Id. at ¶ 4, PageID.486.)

1 The Court may consider the full terms of the Lease when resolving Defendants’ motions because the Lease was quoted in, and excerpts were attached to, Plaintiffs’ Third Amended Complaint. It is also a public record that the Court may consider at this stage of the proceedings. See, e.g., Bassett v. Nat’l Collegiate Athletic Ass’n, 528 F.3d 426, 430 (6th Cir. 2008) (“When a court is presented with a Rule 12(b)(6) motion, it may consider the Complaint and any exhibits attached thereto, public records, items appearing in the record of the case and exhibits attached to defendant’s motion to dismiss so long as they are referred to in the Complaint and are central to the claims contained therein”). C On August 7, 2023, Plaintiffs filed their initial Complaint in this action. (See

Compl., ECF No. 1.) Two months later, Plaintiffs filed a First Amended Complaint. (See First Am. Compl., ECF No. 16.) In both of those pleadings, Plaintiffs invoked the Court’s diversity jurisdiction on the basis that there is complete diversity of

citizenship between the parties and that the amount in controversy exceeds $75,000. (See Compl. at ¶ 7, ECF No. 1, PageID.4; First Am. Compl. at ¶ 8, ECF No. 16, PageID.44). And in both pleadings, Plaintiffs pursued a single claim: that Defendants’ sewer system was defective because it “lack[ed]” the “capacity” to

handle the “foreseeable rainfall” that fell during the June 2021 storm (the “Capacity Defect”). (Compl. at ¶¶ 13-14, PageID.45-46.) Plaintiffs did not specifically identify any other alleged defects with the sewer system at that time.

The Court held a status conference to discuss the First Amended Complaint. During that conference, the Defendants took the position that Plaintiffs’ First Amended Complaint failed to state a viable claim against them. (See Order, ECF No. 21, PageID.127.) The Court decided to grant Plaintiffs leave to file a Second

Amended Complaint. It therefore directed the parties to conduct a substantive meet and confer during which the Defendants were to “identify” for Plaintiffs “any and all alleged deficiencies in the First Amended Complaint.” (Id.) The Court instructed Plaintiffs to address those alleged deficiencies in their Second Amended Complaint. (See id.)

D Plaintiffs filed their Second Amended Complaint on November 26, 2023. (See Sec. Am. Compl., ECF No. 23.) In that pleading, Plaintiffs re-alleged the Capacity

Defect. They also identified two other defects with Defendants’ sewer system for the first time: a defect at the Conner Creek Pumping Station2 (the “Conner Creek Pumping Station Defect”) and a defect at the Freud Pumping Station (the “Freud Pumping Station Defect”). More specifically, Plaintiffs alleged that:

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American Select Insurance Co., et al. v. Great Lakes Water Authority, et al., (E.D. Mich. 2026).

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