Carmen Aleman v. Standard Casualty Company

CourtCourt of Appeals of Texas
DecidedAugust 26, 2025
Docket01-23-00572-CV
StatusPublished

This text of Carmen Aleman v. Standard Casualty Company (Carmen Aleman v. Standard Casualty Company) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Carmen Aleman v. Standard Casualty Company, (Tex. Ct. App. 2025).

Opinion

Opinion issued August 26, 2025

In The

Court of Appeals For The

First District of Texas ———————————— NO. 01-23-00572-CV ——————————— CARMEN ALEMAN, ERIC B. DICK, AND THE DICK LAW FIRM, PLLC, Appellants V. STANDARD CASUALTY COMPANY, Appellee

On Appeal from the County Civil Court at Law No. 3 Harris County, Texas Trial Court Case No. 1188597

MEMORANDUM OPINION

Appellants, Carmen Aleman, Eric B. Dick, and the Dick Law Firm, PLLC

(the “Dick Law Firm”) (collectively, “appellants”), challenge the trial court’s

rendition of summary judgment and award of sanctions in favor of appellee, Standard Casualty Company (“Standard”), in Aleman’s suit against Standard for

breach of contract, breach of the duty of good faith and fair dealing, fraud, and

violations of the Texas Deceptive Trade Practices Act (“DPTA”) and the Texas

Insurance Code. In three issues, appellants contend that the trial court erred in

granting summary judgment, sanctioning appellants, and awarding Standard

attorney’s fees.

We affirm in part and reverse and remand in part.

Background

In her first amended petition, Aleman alleged that she owned a residential

property in Katy, Texas (the “property”) that was insured by Standard from

December 12, 2019 to December 12, 2020. According to Aleman, on or about

October 23, 2020, the property was damaged “as a result of a wind and hail storm.”

Aleman submitted a claim to Standard for the damage caused on October 23, 2020,

estimating $67,851.78 as the amount of damage to the property. Aleman alleged

that Standard refused to pay her the “full” amount she was owed under her policy.

Aleman brought claims against Standard for breach of contract, breach of the

duty of good faith and fair dealing, fraud, and violations of the DPTA1 and the Texas

Insurance Code. Aleman sought damages and attorney’s fees.

1 See TEX. BUS. & COM. CODE ANN. §§ 17.01–.955.

2 Standard answered, generally denying the allegations in Aleman’s petition

and asserting that Aleman “ha[d] not presented a covered loss for . . . damage that

occurred within the policy period” and Standard had already paid for Aleman’s

“separate claim for wind damage to [the property’s] roof.”

Standard then moved for summary judgment on Aleman’s claims against it.

Standard asserted that it was entitled to judgment as a matter of law on Aleman’s

claims for breach of contract, breach of the duty of good faith and fair dealing, and

violations of the Texas Insurance Code and there was no evidence to show that

Standard breached the duty of good faith and fair dealing, violated the DTPA, or

committed fraud. In its motion, Standard explained that on February 9, 2021,

Aleman presented “a claim to Standard for a loss occurring on or about October 23,

2020 for damage to the [p]roperty allegedly from hail.” The property was then

inspected on February 11, 2021.

The insurance adjuster who inspected the property “found no evidence of hail

or wind damage to the roof or exterior” of the property. The adjuster also “found no

evidence of wind damage to [Aleman’s] fence or gazebo and no evidence of any

covered loss for the various damages found on the interior of the home.” According

to the adjuster, the property had “rotted decking on the roof’s right slope,” “missing

shingles on the right and left front gable,” “left-rear hip on [the] right slope,” and

“missing shingles on a portion of the ridge showing weathered exposed decking.”

3 The damage was found to be preexisting and “not caused by a named peril” under

Aleman’s policy. The adjuster’s interior inspection found “damage in the game

room right below the damaged ridge on the roof as well as in the hall bathroom

ceiling.” Because such damage had “resulted from a repeated event,” it was not

covered by Aleman’s policy. According to the adjuster, any damage “to the

downspouts and the fence post [was] not caused by hail or any covered event.”

Although there was “hail damage to some window beading, weather reports clearly

demonstrated that no hail [had] occurred on or near the [p]roperty during the [p]olicy

period.” On February 24, 2021, Standard notified Aleman by letter that her claim

related to the purported October 23, 2020 weather event was not covered by her

policy.

In the matter-of-law portion of its summary-judgment motion, Standard

argued that Aleman could not recover on her breach-of-contract claim as a matter of

law because Aleman could not establish that she suffered hail damage to the property

and that “the cost for repairs of the purported hail damage [was] in excess of her

deductible.” Standard also could not breach its insurance policy with Aleman if

Aleman did not have damages to the property that were covered by her policy.

Further, Standard explained that Aleman could not recover for violations of the

Texas Insurance Code under chapters 541 and 542 because if Standard did not breach

the insurance policy, then it could not have violated the “unfair practices” provisions

4 of the Texas Insurance Code. Aleman could also not establish that Standard acted

in bad faith in handling her claim.

As to Aleman’s claim for breach of the duty of good faith and fair dealing,

Standard argued that it was entitled to judgment as a matter of law on that claim

because “[t]he undisputed evidence establishe[d] that Standard acted reasonably in

denying [Aleman’s] hail claim and . . . there was a bona fide dispute as to whether

the [p]roperty suffered hail damage in excess of [Aleman’s] deductible.” An insurer

breaches the duty of good faith and fair dealing “by denying or delaying payment of

a claim” when it “knew or should have known it was reasonably clear the claim was

covered,” and, here, Aleman could not establish that Standard had acted in bad faith.

(Internal quotations omitted.)

In the no-evidence portion of its summary-judgment motion, Standard argued

that Aleman could not recover on her claim for breach of the duty of good faith and

fair dealing because Aleman had no evidence that Standard breached its duty. As to

Aleman’s claim for violations of the DTPA, Standard asserted that Aleman had no

evidence that Standard represented that any goods or services had characteristics,

benefits or qualities that they did not have, Standard represented that Aleman’s

policy conferred rights and remedies that it did not, Standard failed to disclose

information concerning Aleman’s policy that was known at the time of purchase and

the failure to disclose was intended to induce Aleman into a transaction which she

5 would not have otherwise entered, Standard engaged in unconscionable conduct, and

that any act by Standard proximately caused Aleman damages. And as to Aleman’s

fraud claim, Standard asserted that Aleman had no evidence that Standard operated

in reckless disregard for Aleman in the course of handling her claim, made false

statements, misrepresented material facts, engaged in fraudulent acts for the purpose

of misleading Aleman as to actual damages resulting from the storm, had knowledge

of any alleged false statements or made any statement recklessly without any

knowledge of the truth and as a positive assertion, and made any misrepresentation

that Aleman acted upon. Standard also asserted that Aleman had no evidence that

she acted in reliance on any alleged misrepresentation or that she suffered any injury

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