Darrell McKnight and Michael Palmer v. American Mercury Insurance Company

CourtCourt of Appeals of Texas
DecidedSeptember 24, 2008
Docket06-08-00004-CV
StatusPublished

This text of Darrell McKnight and Michael Palmer v. American Mercury Insurance Company (Darrell McKnight and Michael Palmer v. American Mercury Insurance 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
Darrell McKnight and Michael Palmer v. American Mercury Insurance Company, (Tex. Ct. App. 2008).

Opinion



In The

Court of Appeals

Sixth Appellate District of Texas at Texarkana



______________________________



No. 06-08-00004-CV



DARRELL MCKNIGHT AND MICHAEL PALMER, Appellants



V.



AMERICAN MERCURY INSURANCE COMPANY, Appellee





On Appeal from the 188th Judicial District Court

Gregg County, Texas

Trial Court No. 2007-612-A





Before Morriss, C.J., Carter and Moseley, JJ.

Opinion by Justice Carter



O P I N I O N



Darrell McKnight and Michael Palmer made a claim with their insurer, American Mercury Insurance Company (American Mercury), seeking payment for damage to their metal building resulting from a hailstorm in March of 2000. Initially, American Mercury issued a check to pay for the damage assessed. When McKnight and Palmer, dissatisfied with the amount paid, refused to accept the check and, instead, filed suit in Upshur County (Upshur County litigation), American Mercury reinvestigated the claim. Upon its reinvestigation, American Mercury discovered that the damage, if there ever was any, had been cured by natural processes. So, during the Upshur County litigation, American Mercury maintained its position that it owed nothing to McKnight and Palmer because there was no remaining discernible damage to the building.

Several years later and following a trial to an Upshur County jury, the trial court entered judgment that McKnight and Palmer take nothing. McKnight and Palmer then tried to deposit the check that American Mercury had initially issued several years earlier. Not surprisingly, American Mercury refused to honor that check. McKnight and Palmer then sued again, this time in Gregg County (1) (Gregg County litigation). American Mercury moved for summary judgment on the ground that the doctrine of res judicata barred the Gregg County litigation. The trial court agreed and granted summary judgment that McKnight and Palmer take nothing. They now appeal that judgment to this Court. We first discuss the details and factual allegations of both suits.

I. FACTUAL AND PROCEDURAL HISTORY

A. Upshur County Litigation

Again, before either suit was filed, American Mercury tendered a check in the amount of $24,055.70. (2) McKnight and Palmer disagreed with the amount of the check and filed suit in Upshur County seeking damages. See McKnight v. Am. Mercury Ins. Co., cause number 401-02. In their petition, filed in June 2002, McKnight and Palmer described the case as one "involving, breach of contract, violation of the Texas Deceptive Trade Practices Act, and violations of the Texas Insurance Code." They alleged that American Mercury "failed to provide full coverage for certain damage" and that, as a result, they "herein [sue] for payment of all property damage covered under the terms of this policy of insurance."

Attached to American Mercury's designation of expert witnesses, filed February 24, 2005, are three reports important to the analysis of the Upshur County litigation: (1) a report dated November 10, 2003, following a reinspection by the claims service that originally inspected the building, (2) a follow-up report dated November 12, 2003, summarizing the November 10 report's findings, and (3) an engineering firm's report dated February 14, 2005. The November 10 reinspection report included the findings following an examination of the structure:

Our inspection of the building found no damage to the exterior metal walls related to hail. We also gained access to the roof and verified that no damage to this metal structure was found. We did find areas where hail had left marks on the roof, however no dents, dings, or impressions from hail were found. As you can tell in our photographs, there are areas where hail appears to have struck the roof and left marks on the chalking or acid build up on the roof. As you can tell in our photographs, these areas are easily wiped away and have not reduced the life expectancy of this roof. These marking[s] are sometimes misconstrued as being hail damage. The chalking or acidation of this roof is due to weather and can be found on all metal structures. Once again, we found no evidence of hail damage to the exterior walls or the roof of this building.



The follow-up report explained that the original inspection in 2000 did show hail damage and concluded that it was "possible that due to heat and severe weather conditions in East Texas that these dings are no longer visible." The report continued, suggesting that the previously visible dings "may have potential [sic] cured themselves through time and weather." It plainly stated that "there is no visible damage evident during our recent inspection."

The engineering firm's report detailed the property's characteristics and outlined the process by which it investigated the building and the claim of hail damage. First, the report noted that the company maintains a national database of hailstone reports in excess of 3/4 inch using government records. Using this database, the firm concluded that there was no hail reported within a three-mile radius of the building on March 29, 2000, the date McKnight and Palmer allege as the date of the damaging storm. In fact, according to the database, no hail was reported within a three-mile radius of the building in the years 2000, 2001, and 2003. Going further, the report noted that no hail was reported within a six-mile radius on the date at issue. The firm conceded that the lack of reports does not necessarily "mean that hail did not fall in a particular location."

On ground level, the firm reported "no evidence of hail impact, spatter marks, or dents in the metal siding." Regarding the roof, the report noted that some hail spatter marks had removed the surface grime of the metal roof, but there were "no observable dents associated with the spatter marks" and the impact had not removed the paint coating. The firm reported no evidence of hail damage to the trim or other features of the metal building. The firm discussed in detail its findings, confirmed the structural integrity of the building, and noted as well that even the visible spatter marks that had removed the surface grime on the roof had probably been sustained in the most recent hailstorm since "[s]patter marks fade over time, usually six months to a year." So, the firm, too, observed no damage to the metal building. Even the spatter marks, which here, the report suggests, were cosmetic, temporary blemishes, were not likely the result of the hailstorm McKnight and Palmer allege happened in March 2000. Again, these three reports were filed along with American Mercury's designation of expert witnesses on February 24, 2005.

Additionally, on January 31, 2006, American Mercury responded with the following in its supplemental response to a request for disclosure:

Defendant American Mercury Insurance Company denies the allegations of the Plaintiffs' petition.

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Darrell McKnight and Michael Palmer v. American Mercury Insurance Company, Counsel Stack Legal Research, https://law.counselstack.com/opinion/darrell-mcknight-and-michael-palmer-v-american-mer-texapp-2008.