Amica Mutual Insurance Co. v. Downs

2021 IL App (5th) 200412-U
CourtAppellate Court of Illinois
DecidedNovember 16, 2021
Docket5-20-0412
StatusUnpublished

This text of 2021 IL App (5th) 200412-U (Amica Mutual Insurance Co. v. Downs) is published on Counsel Stack Legal Research, covering Appellate Court of Illinois primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Amica Mutual Insurance Co. v. Downs, 2021 IL App (5th) 200412-U (Ill. Ct. App. 2021).

Opinion

NOTICE 2021 IL App (5th) 200412-U NOTICE Decision filed 11/16/21. The This order was filed under text of this decision may be NO. 5-20-0412 Supreme Court Rule 23 and is changed or corrected prior to the filing of a Petition for not precedent except in the

Rehearing or the disposition of IN THE limited circumstances allowed the same. under Rule 23(e)(1).

APPELLATE COURT OF ILLINOIS

FIFTH DISTRICT ________________________________________________________________________

AMICA MUTUAL INSURANCE COMPANY, ) Appeal from the ) Circuit Court of Plaintiff-Appellee, ) St. Clair County. ) v. ) ) No. 19-MR-307 KIM DOWNS and JOSHUA DOWNS, ) ) Defendants ) Honorable ) Julie K. Katz, (Kim Downs, Defendant-Appellant). ) Judge, presiding. ________________________________________________________________________

JUSTICE WELCH delivered the judgment of the court. Justices Moore and Vaughan concurred in the judgment.

ORDER

¶1 Held: The entry of default judgment against the pro se appellant by the circuit court of St. Clair County is affirmed where the appellee strictly complied with the requirements for service by publication pursuant to section 2-206(a) of the Code of Civil Procedure (735 ILCS 5/2-206(a) (West 2020)).

¶2 This appeal arises from a declaratory judgment entered by the circuit court of St.

Clair County against the appellant, Kim Downs, in favor of the appellee, Amica Mutual

Insurance Company (Amica), Downs’s insurance provider. For the reasons that follow,

we affirm.

1 ¶3 I. BACKGROUND

¶4 On November 21, 2019, Amica filed a complaint for declaratory judgment against

Downs. The complaint sought expungement of an improper mechanic’s lien filed by

Downs, which was cataloged in the St. Clair County Recorder of Deeds’s office under

AXXXXXXXX, wherein she cited 770 ILCS 60/23, a statutory section entitled “Liens against

public funds.” According to the complaint, Amica issued a rental insurance policy to

Downs effective March 3, 2017, to March 3, 2018. The insurance policy included

provisions providing coverage for property damage resulting from fungi, wet or dry rot, or

bacteria. However, the policy only applied to third parties and did not provide medical

payment coverage to the insured.

¶5 Shortly after the policy was issued, Downs filed a claim arising out of the alleged

presence of mold spores in the subject property. She claimed that she and her son

developed allergy-like symptoms as the result of exposure to mold spores in the subject

property. Downs represented that a hose broke off the water heater, and the subsequent

leaking water caused mold. The claim was based on medical damages she suffered as a

result of exposure to the airborne spores. In support of her claim, she provided medical

records from February 2017, which predated the effective date of the policy. Amica

informed Downs that she lacked coverage available for any of her claimed damages or

injuries. Downs thereafter filed and recorded a mechanic’s lien with the St. Clair County

Recorder of Deeds seeking $1.83 million. The lien established that Downs’s claims were

predicated on a visit to urgent care on February 10, 2017—prior to the policy’s effective

date. In the lien, Downs cited numerous health concerns that led to the visit to urgent care. 2 After the lien was recorded, Amica contacted Downs to inform her that the statute under

which she filed the lien was inapplicable to her, as it related to construction work on public

property or for the benefit of the state, county, township, school district, or municipality.

Downs, however, refused to withdraw the lien and Amica therefore sought expungement

of the lien and an award for costs.

¶6 After filing the complaint for declaratory judgment, Amica hired two special

process servers to serve Downs with notice. They attempted to serve Downs eight times

at two locations but were unsuccessful. Amica then filed a motion for service by

publication pursuant to section 2-206(a) of the Code of Civil Procedure (Code) (735 ILCS

5/2-206(a) (West 2020)), which included an affidavit of nonservice and the last known

address of Downs. The trial court granted the motion, and Amica published the notice in

the Metro East Chronicle on August 19 and 26, 2020, and September 2, 2020. Copies of

all three publications were also mailed to Downs’s last known address. On September 28,

2020, Downs filed a motion for extension of time requesting an additional 30 to 45 days to

respond to the complaint. In the motion, Downs acknowledged that she received notice of

the complaint on September 4, 2020.

¶7 On October 7, 2020, Amica filed a motion for entry of default judgment pursuant to

section 2-1301(d) of the Code (id. § 2-1301(d)), as Downs had failed to timely respond to

the complaint. The motion alleged that Downs failed to file her response by September 18,

2020, and default was therefore appropriate. On November 9, 2020, Amica filed notice of

hearing on the motion, which was scheduled via Zoom on November 25, 2020, at 11:30

a.m. On November 23, 2020, Downs filed “An Entry of Appearance” and “An Answer to 3 Responds [sic] to [Amica’s] Motion for Default Judgment” and a motion for a continuance

of the hearing. The motion to continue was not properly filed as it lacked a proposed order

and Downs did not file a notice of hearing; therefore, the court did not rule on the motion.

¶8 On November 25, 2020, the trial court held a hearing via Zoom on the motions;

however, Downs did not appear. On November 30, 2020, the court entered judgment

against Downs, citing her failure to respond to the complaint, despite proper service and

notice. The court found the lien void ab initio, of no legal effect, and therefore expunged

it from the St. Clair County Recorder of Deeds’s records. Downs thereafter filed her notice

of appeal pro se on December 15, 2020.

¶9 II. ANALYSIS

¶ 10 At the outset, we note that because this appeal fails on the merits, we will not address

Amica’s argument that it should be dismissed for failure to comply with Illinois Supreme

Court Rule 341 (eff. Oct. 1, 2020).

¶ 11 Downs argues that the default judgment should be vacated where it is void for

insufficient service of process. For a judgment to be valid, the trial court must have

jurisdiction over the subject matter and the parties. BAC Home Loans Servicing, LP v.

Mitchell, 2014 IL 116311, ¶ 17; In re Marriage of Verdung, 126 Ill. 2d 542, 547 (1989).

A judgment entered by a court lacking jurisdiction over the parties is void and may be

challenged, directly or collaterally, and vacated at any time. BAC Home Loans Servicing,

2014 IL 116311, ¶ 17. Personal jurisdiction may be established either by service of process

in compliance with the statutory requirements or by a party’s voluntary submission to the

court’s jurisdiction. Id. ¶ 18. If a general appearance has not been entered, personal 4 jurisdiction can be acquired only by service of process in a manner directed by the Code.

State Bank of Lake Zurich v. Thill, 113 Ill. 2d 294, 308 (1986). The objectives of service

of process are to protect an individual’s right to due process by allowing for proper

notification of interested individuals and an opportunity to be heard, and to vest jurisdiction

in the trial court. City of Chicago v. Yellen, 325 Ill. App. 3d 311, 316 (2001). When a

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Related

State Bank of Lake Zurich v. Thill
497 N.E.2d 1156 (Illinois Supreme Court, 1986)
BAC Home Loans Servicing, LP v. Mitchell
2014 IL 116311 (Illinois Supreme Court, 2014)
City of Chicago v. Yellen
757 N.E.2d 510 (Appellate Court of Illinois, 2001)
Citimortgage, Inc. v. Cotton
2012 IL App (1st) 102438 (Appellate Court of Illinois, 2012)
Deutsche Bank National Trust Company v. Brewer
2012 IL App (1st) 111213 (Appellate Court of Illinois, 2012)
In re Marriage of Verdung
535 N.E.2d 818 (Illinois Supreme Court, 1989)

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2021 IL App (5th) 200412-U, Counsel Stack Legal Research, https://law.counselstack.com/opinion/amica-mutual-insurance-co-v-downs-illappct-2021.