Cianci v. Safeco Insurance Co.

CourtAppellate Court of Illinois
DecidedMarch 17, 2005
Docket1-04-0582 Rel
StatusPublished

This text of Cianci v. Safeco Insurance Co. (Cianci v. Safeco Insurance Co.) 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
Cianci v. Safeco Insurance Co., (Ill. Ct. App. 2005).

Opinion

FOURTH DIVISION

March 17, 2005

1-04-0582

PERRY CIANCI and MARY CIANCI, and DANIELLE ) Appeal from the

CIANCI and MICHAEL CIANCI, Minors, by and through ) Circuit Court

Perry and Mary Cianci, ) of Cook County.

)

Plaintiffs-Appellees, )

  1. )

SAFECO INSURANCE COMPANY OF ILLINOIS ) No. 02 CH 4670

and AMERICAN CLEANING COMPANY, )

Defendants-Appellees, )

and )

BROUWER BROTHERS STEAMATIC, INC., ) Honorable

) Julia M. Nowicki,

Defendant-Appellant. ) Judge Presiding.

JUSTICE THEIS delivered the opinion of the court:

Defendant Brouwer Brothers Steamatic, Inc. (Brouwer Brothers), appeals from two orders entered by the circuit court of Cook County, one granting a motion filed by plaintiffs, Perry and Mary Cianci and their children, Danielle and Michael Cianci, to approve a settlement they entered into with defendant American Cleaning Co. (American Cleaning), and the other granting a motion filed by defendant Safeco Insurance Co. (Safeco) to approve a settlement between it and plaintiffs.  Brouwer Brothers contends that the circuit court abused its discretion in finding that these settlements were entered into in good-faith such that American Cleaning and Safeco would be discharged from liability for contribution to Brouwer Brothers pursuant to section 2(c) of the Joint Tortfeasor Contribution Act (Act) (740 ILCS 100/2(c) (West 2002)).  Brouwer Brothers also contends that the circuit court erred in entering its orders approving the settlements before it ruled on a pending motion to transfer venue to Will County based on forum non conveniens , which had been filed by American Cleaning and which it had joined.  

Plaintiffs, joined by Safeco and American Cleaning, have filed a motion to dismiss Brouwer Brothers’ appeal, which we have taken with the case.  Therein, plaintiffs contend that Brouwer Brothers has no standing to object to the settlements because it has not filed a claim for contribution against either of the settling defendants.  Plaintiffs also contend that Brouwer Brothers cannot challenge the manner in which the settlements have been allocated because the issue is not ripe for adjudication.  For the reasons that follow, plaintiffs’ motion to dismiss is denied and the judgment of the circuit court of Cook County is reversed and remanded with directions.  

BACKGROUND

Plaintiffs alleged the following facts in their complaint.  Plaintiffs Perry and Mary Cianci owned a home in New Lenox, Illinois, in which they resided with their children, plaintiffs Danielle and Michael.  They purchased a homeowner’s insurance policy from Safeco, which covered, inter alia , losses to real and personal property, as well as additional living expenses incurred as a result of damage to their home.  

On January 14, 1999, plaintiffs’ home sustained water damage resulting from ice dams which had accumulated on their roof.  Plaintiffs claimed that Safeco negligently delayed removal of the water damage for two weeks.  Safeco hired American Cleaning to remediate the water damage; however, American Cleaning failed to properly clean and remove water-damaged carpeting and furniture.  

The water damage enabled toxigenic mold to grow and to contaminate the home.  Plaintiffs began experiencing flu-like symptoms, respiratory ailments, headaches, and fatigue.  They notified Safeco of the problem, but Safeco did not agree to test for mold for more than nine months.  When the test results confirmed the presence of mold, plaintiffs were advised to evacuate their home and to leave their belongings behind.  

Based on a referral from Safeco, plaintiffs retained Brouwer Brothers to perform the mold cleaning and remediation work.  However, Brouwer Brothers was unsuccessful, and Safeco ultimately resolved to tear down plaintiffs’ home and to build a new one.  

Plaintiffs alleged that during the demolition and reconstruction of their home, Safeco refused to pay additional living expenses covered by their homeowner’s insurance policy, including replacement costs for household and personal items, repairs, relocation costs, and medical bills, leaving them to pay many of these expenses themselves.  Plaintiffs’ initial complaint sought a declaratory judgment that Safeco was obligated to continue paying for their additional living expenses as required by the insurance policy and an injunction barring Safeco from discontinuing additional living expense coverage under the policy until their new house was ready.  

On February 11, 2003, plaintiffs filed their second amended verified complaint, which contained 14 counts against Safeco, American Cleaning, and Brouwer Brothers.  Count I alleged breach of contract against Safeco for failing to uphold its obligations under the insurance policy.  Count II alleged that Safeco violated section 155 of the Illinois Insurance Code (215 ILCS 5/155 (West 2002)) by vexatiously and unreasonably refusing to pay them the full amount of their losses and damages under the insurance policy.  Count III alleged that Safeco, individually and through those it held out as its agents, acted negligently with regard to the health risk posed by possible mold contamination and acted negligently in carrying out repairs to plaintiffs’ home.  Count IV alleged that Safeco intentionally or recklessly disregarded the risk that its behavior would cause plaintiffs extreme emotional distress, and plaintiffs suffered depression and other physical and emotional injuries as a result.  Count V alleged that American Cleaning was negligent in the repair and remediation of the water damage in plaintiffs’ home, resulting in toxigenic mold contamination.  Count VI alleged that Safeco was vicariously liable for American Cleaning’s negligence because Safeco held American Cleaning out as its agent.  Count VII alleged that American Cleaning violated the Consumer Fraud and Deceptive Business Practices Act (815 ILCS 505/1 et seq. (West 2002)) by deceptively concealing, omitting, or suppressing the fact that its work failed to remedy the water damage in plaintiffs’ home.  Count VIII alleged that Safeco was vicariously liable for American Cleaning’s fraudulent and deceptive business practices.  Count IX alleged that Brouwer Brothers breached its contract with plaintiffs by failing to remediate the mold contamination in their home.  Count X alleged that Brouwer Brothers was negligent in performing the decontamination work and in failing to remedy the problem, resulting in injury to plaintiffs.  Count XI alleged that Safeco was vicarously liable for Brouwer Brothers’ negligence because it held Brouwer Brothers out as its agent.  Count XII alleged that Brouwer Brothers intentionally or recklessly caused plaintiffs emotional distress by, inter alia , delaying its work, leaving contaminated tools and items on the premises, and ultimately failing to remediate the mold contamination, causing plaintiffs to suffer from depression and severe emotional distress and also causing property damage.  Count XIII alleged that Brouwer Brothers violated the Consumer Fraud and Deceptive Business Practices Act (

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