Carrol v. Allstate Insurance

815 A.2d 119, 262 Conn. 433, 2003 Conn. LEXIS 53
CourtSupreme Court of Connecticut
DecidedFebruary 25, 2003
DocketSC 16758
StatusPublished
Cited by186 cases

This text of 815 A.2d 119 (Carrol v. Allstate Insurance) is published on Counsel Stack Legal Research, covering Supreme Court of Connecticut primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Carrol v. Allstate Insurance, 815 A.2d 119, 262 Conn. 433, 2003 Conn. LEXIS 53 (Colo. 2003).

Opinions

Opinion

VERTEFEUILLE, J.

This case arises from a dispute between the plaintiff, Oswald Carrol, and the defendant, Allstate Insurance Company, his property insurance carrier, concerning the origins of a fire at the plaintiffs [435]*435home. The defendant appeals1 from a judgment for the plaintiff rendered after a jury trial, in which the jury awarded the plaintiff damages for intentional and negligent infliction of emotional distress and breach of contract.

The dispositive issues in this appeal are whether: (1) there was sufficient evidence to support the jury’s finding that the defendant was liable for intentional infliction of emotional distress; (2) there was sufficient evidence to support the jury’s finding that the defendant was liable for negligent infliction of emotional distress; and (3) the $500,000 awarded as compensatory damages was excessive.2 We affirm the judgment finding the defendant liable for negligent infliction of emotional distress and conclude that the damages awarded on that basis were not excessive.

The jury reasonably could have found the following facts. On January 21,1997, a fire destroyed a significant portion of the plaintiffs house in Norwalk, which he had owned with his wife for more than twenty years. The evening before the fire, the plaintiff had gone to a local service station to purchase kerosene for use in a kerosene heater. The plaintiff noticed that the container smelled “bad,” but nevertheless stored it in the basement of his house. Unbeknownst to the plaintiff, the attendant had filled the container with gasoline instead of kerosene.

[436]*436The next morning, after the plaintiffs wife had left for work, the plaintiff worked on his prayer studies3 in the basement. While in the basement, he heard a bang, which he thought was his wife returning home. The plaintiff called out to his wife and, after not receiving a response from her, he continued on with his routine, ignoring the banging noise. Later, he smelled something burning and discovered that the kerosene container was on fire. He tried unsuccessfully to extinguish the fire with an old coat; he then picked up the flaming container and threw it out the basement door into his backyard, burning himself in the process. The plaintiff immediately notified his neighbor of the fire and the fire department was then called.

The defendant had issued a homeowner’s insurance policy (policy) insuring the plaintiffs home. The policy, which originally was purchased in 1994 and was in effect at the time of the fire, contained standard fire policy provisions insuring the property for its market value. The policy also contained a provision declaring that the defendant would not be háble “for loss occurring . . . while the hazard is increased by any means within the control or knowledge of the insured . . . .”

The plaintiff filed a claim for the fire damage with the defendant. After examining the residence and interviewing the Norwalk fire marshal, the defendant deduced that the fire resulted from arson and initiated an investigation to determine whether the plaintiff had purposefully started the fire.4 The defendant assigned [437]*437an investigator from its special investigations unit,5 Eric Shadbegien, to investigate the fire at the plaintiffs house. The defendant also hired an independent fire expert, Thomas Haynes, to prepare a prehminary report following a more thorough investigation into the possibility of arson. These two investigators conducted interviews, took samples from the premises and examined the fire scene. Both of them concluded that the fire had been the result of arson. The defendant therefore refused to reimburse the plaintiff, in the claimed amount of $26,468, for the plaintiffs personal items such as clothing, furniture, luggage and books. The defendant did pay for the damage to the plaintiffs house and for his wife’s portion of the personal property claim. As a result of the defendant’s refusal to pay the plaintiffs personal property loss, the plaintiff initiated the action underlying this appeal.6

The jury found that the defendant had breached the insurance contract7 and that the defendant was liable for both intentional and negligent infliction of emotional distress. The jury awarded the plaintiff $500,000 in compensatory damages and the trial court awarded the plaintiff $60,000 in punitive damages because of the jury’s finding that the defendant intentionally had inflicted emotional distress on the plaintiff. The defendant moved to set aside the verdict, to reduce the verdict, and for judgment notwithstanding the verdict. His motions, however, were denied by the trial court. This appeal followed. Additional facts will be set forth as necessary.

[438]*438I

The defendant first claims that the plaintiff did not present sufficient evidence to establish the defendant’s liability for intentional infliction of emotional distress. Specifically, the defendant maintains that the plaintiff failed to prove one of the required elements of the cause of action, namely that the defendant’s actions were extreme and outrageous. The plaintiff responds that there was sufficient evidence to prove that the plaintiff had suffered emotional distress as a result of the defendant’s extreme and outrageous conduct. We agree with the defendant.

The jury reasonably could have found the following additional facts concerning the defendant’s actions. At trial, the plaintiff called as a witness John Barracato, an independent, neutral fire loss expert, who testified that the fire at the plaintiffs house was accidental and not the result of arson. For trial, Barracato prepared a full and final structural fire investigation report.8

In the report, Barracato concluded that the fire had been started by liquid vapors from the kerosene container in the basement. According to Barracato, the substance purchased by the plaintiff the night before the fire was, in fact, gasoline and when the plaintiff placed the container in the basement, vapors began to leak toward the source of ignition, the pilot light of a stove located in the basement. Barracato also found that irregular, radiated heat bums were located all over the basement floor, a finding consistent with the combination of a vapor fire and the type of synthetic carpeting located in the plaintiffs house.

[439]*439Barracato concluded in his report: “This investigator saw no indicators of an intentional act relative to this incident. . . . The bottoms of cabinets, constructed of wood paneling, showed no signs of flame impingement damage. Had flammable liquids been splashed around this basement, all of the cabinets, refrigerator, kitchen table and chairs, sewing machine, wheels on the secretary chair, the cloth covered couch and love seat, and a five gallon can of kerosene would have been seriously fire damaged by direct flame impingement. This was clearly not the case.”

Barracato’s conclusion that arson was not involved was based on a number of other factors that pointed toward an accidental fire. First, the time of the fire at the plaintiffs house, 11:30 a.m., was not typical of arson. Barracato noted that arsonists usually set fires between midnight and 6 a.m. to reduce the possibility of discovery and to assure total destruction for maximum insurance claim recovery.

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Cite This Page — Counsel Stack

Bluebook (online)
815 A.2d 119, 262 Conn. 433, 2003 Conn. LEXIS 53, Counsel Stack Legal Research, https://law.counselstack.com/opinion/carrol-v-allstate-insurance-conn-2003.