Correct Roofing Inc. v. Alfredo Vasquez

Indiana Court of Appeals·Decided October 18, 2024·No. 23A-CT-02535·Published

Opinion

IN THE

Court of Appeals of Indiana Correct Roofing, Inc.,

Appellant-Plaintiff/Counterclaim-Defendant FILED

v. Oct 18 2024, 8:35 am

CLERK

Indiana Supreme Court

Alfredo Vasquez, Court of Appeals and Tax Court

Appellee-Defendant/Counterclaim-Plaintiff

October 18, 2024

Court of Appeals Case No.

23A-CT-2535

Appeal from the Elkhart Superior Court The Honorable Christopher J. Spataro, Judge Trial Court Cause No.

20D05-2107-CT-141

Opinion by Judge May

Judges Vaidik and Kenworthy concur.

May, Judge.

[1] Correct Roofing, Inc., (“Correct Roofing”) appeals following the trial court’s order granting Alfredo Vasquez’s motion for summary judgment and entering a judgment in favor of Vasquez for $23,040.00. Correct Roofing presents two issues for our review, which we revise, restate, and reorder as:

1. Whether the trial court erred by striking portions of an affidavit and exhibits Correct Roofing submitted in opposition to Vasquez’s motion for summary judgment; and

2. Whether the trial court erred by granting Vasquez’s motion for summary judgment.

We affirm.

Facts and Procedural History [2] In June 2019, a hailstorm damaged the roof of Vasquez’s house in Goshen,

Indiana. After the storm, Correct Roofing canvased Vasquez’s subdivision and solicited residents to hire Correct Roofing to repair the damage to their homes. Vasquez agreed to hire Correct Roofing, and the parties executed a contract on June 29, 2019. The contract listed a total estimated cost of $10,415.10 to repair Vasquez’s roof. The contract also stated:

Terms: This agreement is for FULL SCOPE OF INSURANCE PROCEEDS and is subject to insurance company approval and does not obligate homeowner or Correct Roofing, Inc. unless repairs are approved by homeowners’ insurance company. By signing this agreement the homeowner authorizes Correct [Roofing] to pursue homeowners’ best interest for all repairs at a price agreeable to the insurance company and Correct [Roofing]

at NO ADDITIONAL COST TO THE HOMEOWNER EXCEPT FOR THE INSURANCE DEDUCTIBLE. The final price agreed on between the insurance company and Correct [Roofing] shall become the final contract price of: FULL SCOPE OF INSURANCE PROCEEDS. The specifications set out herein and on the reverse side hereof to accomplish the replacement or repair.

I hereby authorize Correct Roofing, Inc. to negotiate directly with my insurance company for all property damage repairs at the above address and hereby grant power of attorney to the same to act as my agent to negotiate property damage claim settlement. Correct Roofing, Inc. is hereby authorized to perform at their discretion all insurance prescribed repairs for the price of full scope of insurance proceeds agreed upon by my insurance company and Correct [Roofing]. The terms and specifications stated herein and special conditions following hereof are by [sic] accepted. I hereby authorize my Insurance company and/or mortgage company to make payment for completed repairs directly to Correct Roofing, Inc. and mail directly to the same.

(App. Vol. 2 at 64.)

[3] On August 11, 2019, Erie Insurance sent Vasquez a letter discussing his claim. The letter explained:

The breakdown of the loss is as follows:

*****

Replacement Cost of Repair: $10, 415.10 Less Deductible: $(500.00)

Total Claim: $9,915.10 Less Recoverable Depreciation: $5,583.71 Actual Case Value: $4,331.39

Although your policy is a replacement cost policy, your claim is being settled on an Actual Cash Value (ACV) basis. ACV equals the replacement cost value less depreciation. By policy we owe the ACV of the repairs or items needing replacement until they are repaired or replaced as stated under the Loss Settlement provisions of your policy.

In order to process your replacement cost claim, we will need original receipts for the repair and/or replacement. We may also require an inspection of the completed repairs or replacement.

(Id. at 67.) Vasquez paid the $4,331.39 actual cash value insurance proceeds to Correct Roofing.

[4] Correct Roofing did not properly repair Vasquez’s roof, and after Correct Roofing finished its work on Vasquez’s roof, the roof leaked. The leaks resulted in damage to the interior of Vasquez’s house. Vasquez attempted to contact Correct Roofing to discuss the faulty repairs, but Correct Roofing would not return his phone calls. Vasquez subsequently hired Gonzalez Construction (“Gonzalez”) to correctly repair the roof. Gonzalez removed the lower sub- roofing/roof decking along the base of the entire perimeter of Vasquez’s roof and installed new decking, shingles, gutters, and fascia. Gonzalez charged

Vasquez $7,000.00 for those repairs. Gonzalez also estimated that it would cost $9,800.00 to repair the drywall and interior damage to Vasquez’s house.

[5] On July 9, 2021, Correct Roofing filed a complaint against Vasquez alleging claims for breach of contract and quantum meruit. The complaint alleged Vasquez agreed to pay Correct Roofing $10,415.10 to repair his roof and Vasquez did not pay Correct Roofing that amount after Correct Roofing had completed its work. On September 13, 2021, Vazquez filed his answer and counterclaims against Correct Roofing. Vasquez denied the material allegations in Correct Roofing’s complaint and asserted claims for breach of contract, violation of the Home Improvement Contracts Act (“HICA”), Ind. Code § 24-5-11-1 et. seq., and violation of the Home Improvement Warranties Act, Ind. Code § 32-27-1-1 et. seq., against Correct Roofing. Vasquez alleged Correct Roofing improperly repaired his roof after receiving $4,331.39 and refused to remediate its faulty work.

[6] On February 17, 2022, Vasquez served Correct Roofing with requests for admission. Those requests stated:

REQUEST FOR ADMISSIONS NO. 1. Correct [Roofing] is an Indiana corporation located in La Porte, Indiana.

RESPONSE:

REQUEST FOR ADMISSIONS NO. 2. Mr. Vasquez paid Correct [Roofing] $4,331.39.

RESPONSE:

REQUEST FOR ADMISSIONS NO. 3. Correct [Roofing] did not properly repair the Property’s roof.

RESPONSE:

REQUEST FOR ADMISSIONS NO. 4. Correct [Roofing] did not return phone calls to Mr. Vasquez regarding his notice that Correct [Roofing] improperly repaired the Property’s roof.

RESPONSE:

REQUEST FOR ADMISSIONS NO. 5. Correct [Roofing] did not perform additional services for Mr. Vasquez after he notified it of his claim that Correct [Roofing] improperly repaired the Property’s roof.

RESPONSE:

REQUEST FOR ADMISSIONS NO. 6. Correct [Roofing] is a real property improvement supplier under Indiana Code 24-5-11- 6.

RESPONSE:

REQUEST FOR ADMISSIONS NO. 7. Correct [Roofing] is a remodeler under Indiana Code 32-27-1-10.

RESPONSE:

REQUEST FOR ADMISSIONS NO. 8. Correct [Roofing] solicited Mr. Vasquez to repair the roof for the Property after a storm damaged the roof.

RESPONSE:

REQUEST FOR ADMISSIONS NO. 9. A complete and accurate copy of the contract between Correct [Roofing] and Mr. Vasquez is attached as Exhibit A to these [R]equests for Admission.

RESPONSE:

REQUEST FOR ADMISSIONS NO. 10. The Contract attached as Exhibit A does not list an email address for, or on behalf of, Correct [Roofing].

RESPONSE:

REQUEST FOR ADMISSIONS NO. 11. Correct [Roofing] was required by statute to warrant the roof and roof system of the Property from defects in materials and workmanship for four years from the date Correct [Roofing] last performed work at the Property.

RESPONSE:

(Id. at 41-44.) Vasquez also served Correct Roofing with interrogatories and requests for production. Correct Roofing did not respond to the requests for admission, and on March 30, 2022, Vasquez filed a motion to admit the requests for admission. The trial court granted Vasquez’s motion on April 1, 2022. On April 15, 2022, Correct Roofing emailed Vasquez the company’s responses to the interrogatories and requests for production.

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