Chubb Lloyds Insurance Company of Texas as Subrogee of A. John Knapp, Jr., and Carmen N. Knapp v. H.C.B. Mechanical, Incorporated

CourtCourt of Appeals of Texas
DecidedDecember 8, 2005
Docket01-04-00572-CV
StatusPublished

This text of Chubb Lloyds Insurance Company of Texas as Subrogee of A. John Knapp, Jr., and Carmen N. Knapp v. H.C.B. Mechanical, Incorporated (Chubb Lloyds Insurance Company of Texas as Subrogee of A. John Knapp, Jr., and Carmen N. Knapp v. H.C.B. Mechanical, Incorporated) 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.

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Chubb Lloyds Insurance Company of Texas as Subrogee of A. John Knapp, Jr., and Carmen N. Knapp v. H.C.B. Mechanical, Incorporated, (Tex. Ct. App. 2005).

Opinion

Opinion issued December 8, 2005





In The

Court of Appeals

For The

First District of Texas





NO. 01-04-00572-CV





CHUBB LLOYDS INSURANCE COMPANY OF TEXAS, Appellant


V.


 H.C.B. MECHANICAL, INC., Appellee


* * *


H.C.B. MECHANICAL, INC., Appellant



CHUBB LLOYDS INSURANCE COMPANY OF TEXAS, Appellee





On Appeal from the 113th District Court

Harris County, Texas

Trial Court Cause No. 2002-05390





O P I N I O N

          After settling a claim by John Knapp for damages caused by a fire at his at residence, Chubb Lloyds Insurance Company (“Chubb”) brought a subrogation suit sounding in negligence against H.C.B. Mechanical, Inc. (“HCB”). The jury found HCB negligent, awarding damages to Chubb in the amount of $40,000, and the trial court rendered judgment on the verdict. Chubb appeals from the damages award, and H.C.B. appeals from the negligence finding. We reverse the trial court’s judgment and render judgment that Chubb take nothing.

BACKGROUND

          At approximately 8:42 p.m. on November 7, 2000, a neighbor of John Knapp called the Houston Fire Department to report a fire at Knapp’s home. The home, located in a gated community, was currently undergoing significant renovations. After firefighters put out the fire, the Houston Fire Department’s Arson Bureau was called in to determine the cause of the fire. Mike Zigal was the lead investigator in determining the cause of the fire at the Knapp’s house and wrote the final report. Because they could not identify any accidental cause, Zigal concluded, and his two fellow investigators agreed, that the “catchall” or default option of arson should be listed on the bureau’s report as the cause of the fire, although the investigation remained open.

          The day after the fire, Chubb sent out its hired fire investigator, Mike Southerland, who was employed with S.E.A., Inc. (SEA). After conducting his investigation, Southerland concluded that the fire started from one of three possible accidental causes: (1) a “drop light” used by HCB; (2) a plumbing torch used by HCB; or (3) a carelessly discarded cigarette by an HCB worker. Chubb’s pleadings also alleged that, in the alternative, HCB’s failure to properly secure the residence allowed an arsonist to enter the house and set it alight.

          HCB was the sub-contractor hired by CECO Contractors to perform the plumbing work needed to convert one large bathroom into two smaller bathrooms. In order to accomplish this, HCB had to jackhammer two holes in the concrete foundation about five feet apart. Both the Arson Bureau and Southerland agreed that the fire originated in the smaller of the two holes in bathroom area.

          For any of Southerland’s fire origination theories to prove correct, the existence of trash or debris in the hole where the fire started was crucial so that there would be a “combustible.” While it was undisputed that there was trash—consisting mostly of “paper and debris”—in the hole, it was not clear from the evidence how it got there. Southerland speculated that HCB’s workers may have left it in the hole and then left for the day. Southerland did testify that he had no personal knowledge of trash being in the hole because the hole had been excavated when he arrived the next day. Nor could anyone explain why the trash found in the hole in which the fire originated was not consumed by the fire. It was also noted that a one-half full gasoline can and other flammable liquids on the premises were not disturbed. Finally, it was undisputed that only HCB had workers at the residence on the day of the fire.HCB’S LIABILITY

           HCB contends that the evidence is legally insufficient to support the jury’s finding of negligence because there is no evidence that it breached its duty or proximately caused the fire at the Knapp residence. Standard of Review       The supreme court recently discussed the appropriate standard of review for legal sufficiency challenges in City of Keller v. Wilson. 168 S.W.3d 802 (Tex. 2005). The court concluded that “[t]he final test for legal sufficiency must always be whether the evidence at trial would enable reasonable and fair-minded people to reach the verdict under review. . . . [L]egal-sufficiency review in the proper light must credit favorable evidence if reasonable jurors could, and disregard contrary evidence unless reasonable jurors could not.” Id. at 827.

          When reviewing a no-evidence point of error,“all the record evidence must be considered in the light most favorable to the party in whose favor the verdict has been rendered, and every reasonable inference deducible from the evidence is to be indulged in that party's favor.” Merrell Dow Pharms., Inc. v. Havner, 953 S.W.2d 41, 48 (Tex. 1998). “Anything more than a scintilla of evidence is legally sufficient to support the finding.” Formosa Plastics Corp. v. Presidio Eng’rs & Contractors, Inc., 960 S.W.2d 41, 48 (Tex. 1998).

          1. The Plumbing Torch Theory

          On the day of the fire, Patrick Embry, the supervisor of the HCB plumbing crew, used a plumbing torch early in the afternoon to melt out the lead in the joints of the pipes where he was working. When using a plumber’s torch on these types of pipes a material called “yocum”—a rope like substance which prevents the hot lead from leaking into the pipe being worked on—is loosened from the pipes. This material emanates smoke and gives off an unpleasant odor when burned. In the process of using the torch, Embry removed some of the smoldering yocum from the hole he was working in, by having one of the day laborers pick it up with a shovel and take it to the dumpster outside. It is undisputed that Embry was working in the hole opposite from where the fire started, and that he stopped using the torch around 2:00 p.m. Embry and the other HCB workers left the Knapp residence at 5:00 p.m.

          

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Chubb Lloyds Insurance Company of Texas as Subrogee of A. John Knapp, Jr., and Carmen N. Knapp v. H.C.B. Mechanical, Incorporated, Counsel Stack Legal Research, https://law.counselstack.com/opinion/chubb-lloyds-insurance-company-of-texas-as-subroge-texapp-2005.