Desormeaux v. Romero

560 So. 2d 658, 1990 La. App. LEXIS 904, 1990 WL 47883
CourtLouisiana Court of Appeal
DecidedApril 18, 1990
DocketNo. 88-1372
StatusPublished
Cited by1 cases

This text of 560 So. 2d 658 (Desormeaux v. Romero) is published on Counsel Stack Legal Research, covering Louisiana Court of Appeal primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Desormeaux v. Romero, 560 So. 2d 658, 1990 La. App. LEXIS 904, 1990 WL 47883 (La. Ct. App. 1990).

Opinion

STOKER, Judge.

In these consolidated cases, the narrow issue presented on appeal is whether the third party defendant, Valley Forge Insurance Company (Valley Forge), has a duty to defend the defendant and third party plaintiff, Ronald Lauland (Lauland), in a suit for damages arising out of alleged defamatory statements made by the defendant and numerous other defendants. Valley Forge is the homeowner’s insurer of Lauland. It denied coverage and based its defense upon certain policy provisions excluding personal liability coverage for the business pursuits of its insured.

The alleged defamatory statements were made in the course of an alleged attempt by the defendant, Errol “Romo” Romero (Romero), the Iberia Parish Sheriff, and the Iran Alexander family to secure the release of convicted felon, David Lynn “Cool Bro” Alexander, from the State Penitentiary at Angola where he is serving a life sentence for his crimes.

Lauland was named as a defendant in the original petition filed by James Desor-meaux and in the fourth supplemental and amended petition filed by plaintiffs, Rev. Eddie Moore, Mary Mallery, Horace Co-meaux and Gerard H. Wattigny. Lauland subsequently filed a third party demand against Valley Forge after it denied coverage. Both Lauland and Valley Forge filed motions for summary judgment on the issue of the insurer’s duty to provide a defense. The trial court initially granted judgment in favor of Lauland finding a duty to defend by Valley Forge, but upon motion for a new trial filed by Valley Forge, the trial court found no duty to defend and dismissed Lauland’s claims against Valley Forge. Lauland has appealed.

The homeowner’s policy issued by Valley Forge to Lauland provides personal liability coverage, by endorsement, for personal injury arising out of libel, slander or defamation of character. However, this coverage does not apply to any business pursuits of an insured. Business, as defined by the policy, includes a trade, profession or occupation.

In determining whether an insurer has a duty to provide a defense, the court must look to the allegations of the injured plaintiff’s petition and assume those allegations to be true. Unless the allegations of the petition unambiguously exclude coverage, the insurer is obligated to furnish a defense regardless of the outcome of the suit. American Home Assurance Company v. Czarniecki, 255 La. 251, 230 So.2d 253 (1969). In determining the appropriateness of a summary judgment, this court will ordinarily review the pleadings, depositions, answers to interrogatories, admissions on file and affidavits in the record. LSA-C.C.P. art. 966. However, in deciding the issue of an insurer’s duty to defend, which is broader than its liability for damage claims, we look only to the allegations of the plaintiffs’ petitions to determine whether coverage is unambiguously excluded without regard to other matters contained in the record. Id.; Mattingly v. State, Dept. of Health and Human Resources, 509 So.2d 82 (La.App. 1st Cir.1987), writ denied, 512 So.2d 461 (La.1987).

Plaintiffs, Moore, Mallery, Comeaux and Wattigny, in their original petition, alleged [660]*660that a private investigator, hired by Iran Alexander, participated with defendant, Romero, in attempting to obtain the release of David Lynn Alexander from Angola. They further alleged that this private investigator from New Orleans was made a deputy sheriff by Romero and that other deputies were assigned to drive him around and assist him in his investigation. Lau-land was subsequently named as a defendant and certain alleged defamatory statements attributed to him were detailed in plaintiffs’ fourth supplemental and amended petition. Plaintiffs also alleged that public funds were used to pay Lauland’s expenses in the course of his investigative work for Iran Alexander.

Plaintiff, Desormeaux, incorporated the allegations of the petition of those plaintiffs and made additional allegations concerning Lauland’s involvement with Romero and other defendants in the course of his employment by Iran Alexander as a private investigator and in conjunction with investigative activities undertaken for the sheriff’s office. The pertinent allegations of plaintiffs’ petitions are attached hereto as APPENDIX A.

Assuming as true that Lauland, a private investigator, while in the employ of the family of David Lynn Alexander for the purpose of conducting an investigation into an alleged frame of Alexander on the charges for which he was convicted, participated with other individuals in an attempt to secure Alexander’s release from prison and in so doing defamed the plaintiffs, do these allegations unambiguously exclude coverage under the homeowner’s policy issued to Lauland by Valley Forge? We find that they do, and we conclude that there is no clear error in the judgment of the trial court finding no duty to furnish a defense to defendant, Lauland, under the terms and conditions of the policy of homeowner’s insurance issued by Valley Forge.

For these reasons, the judgment of the trial court is affirmed. Costs of this appeal are assessed to appellant, Ronald Lauland.

AFFIRMED.

APPENDIX A

SIXTEENTH JUDICIAL DISTRICT COURT

PARISH OF IBERIA STATE OF LOUISIANA

James T. Desormeaux vs. Errol “Romo” Romero, Individually and as Sheriff of Iberia Parish, Kerry Davis, Louisiana Insurance Guaranty Association, Southern American Insurance Company, WWLTV Channel Four, KATC-Channel 3 TV, William S. Elder, Jr., Malcolm Roy, Herbert Derouen, John Nelson Collins, Sr., Ronald Miller, Mary Marie Arceneaux and Ronald Lauland

Docket Number: 62232-F

* * * * * *

(SUIT FOR DEFAMATION OF CHARACTER)

ORIGINAL PETITION

The petition of James T. Desormeaux, domiciled and residing in the Parish of Iberia, State of Louisiana, complaining of Errol “Romo” Romero, domiciled and residing in the Parish of Iberia, sued herein individually and as Sheriff of Iberia Parish, Kerry Davis, domiciled in the Parish of Iberia, State of Louisiana, Louisiana Insurance Guaranty Association, a non-profit unincorporated legal entity created in accordance with the provisions of Louisiana Revised Statutes 22:1375-1394 and domiciled in the Parish of East Baton Rouge, Louisiana, Southern American Insurance Company, a foreign insurer authorized to do and doing business in the State of Louisiana and Parish of Iberia, WWLTV Channel 4, a Louisiana corporation having its principal office and domicile in the Parish of Orleans, Louisiana, KATC-Channel 3 TV, a Louisiana corporation having its principal office and domicile in the Parish of Lafayette, Louisiana, William S. Elder, Jr., domiciled in the Parish of Orleans, State of Louisiana, Malcolm Roy, domiciled in the Parish of Iberia, State of Louisiana, Herbert Derouen, domiciled in the Parish of Iberia, State of Louisiana, John Nelson Collins, Sr., domiciled in [661]*661the Parish of Iberia, State of Louisiana, Ronald Miller, domiciled in the Parish of Iberia, State of Louisiana, Mary Marie Ar-ceneaux, domiciled and residing in St. Gabriel, Louisiana and Ronald Lauland, domiciled in the Parish of Jefferson, State of Louisiana respectfully represent that:

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Related

Moore v. Romero
560 So. 2d 667 (Louisiana Court of Appeal, 1990)

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Bluebook (online)
560 So. 2d 658, 1990 La. App. LEXIS 904, 1990 WL 47883, Counsel Stack Legal Research, https://law.counselstack.com/opinion/desormeaux-v-romero-lactapp-1990.