Fred Lupfer and Advanced Public Insurance Adjusters, LLC v. James R. "Jim" Beneke and the Beneke Company

CourtCourt of Appeals of Texas
DecidedNovember 10, 2021
Docket03-19-00845-CV
StatusPublished

This text of Fred Lupfer and Advanced Public Insurance Adjusters, LLC v. James R. "Jim" Beneke and the Beneke Company (Fred Lupfer and Advanced Public Insurance Adjusters, LLC v. James R. "Jim" Beneke and the Beneke 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
Fred Lupfer and Advanced Public Insurance Adjusters, LLC v. James R. "Jim" Beneke and the Beneke Company, (Tex. Ct. App. 2021).

Opinion

TEXAS COURT OF APPEALS, THIRD DISTRICT, AT AUSTIN

NO. 03-19-00845-CV

Fred Lupfer and Advanced Public Insurance Adjusters, LLC, Appellants

v.

James R. “Jim” Beneke and The Beneke Company, Appellees

FROM THE 345TH DISTRICT COURT OF TRAVIS COUNTY NO. D-1-GN-18-003987, THE HONORABLE KARIN CRUMP, JUDGE PRESIDING

MEMORANDUM OPINION

Fred Lupfer and Advanced Public Insurance Adjusters, LLC (collectively,

Lupfer) appeal from the trial court’s orders granting summary judgment in favor of James R.

“Jim” Beneke and The Beneke Company (collectively, Beneke). We affirm the trial court’s

grant of summary judgment.

PROCEDURAL AND FACTUAL BACKGROUND

Gerald Anderson owns and operates the Juniper Cove Marina (collectively,

Anderson), in Hill County, near Hillsboro, which was damaged by a tornado on

January 15, 2017. On January 17, he signed a contract with Lupfer, a public insurance adjuster

(PA), 1 under which Lupfer was to provide PA services in exchange for ten percent of any

insurance settlement (the Lupfer contract). The contract includes a statutorily required provision

1 A public insurance adjuster is paid to negotiate on behalf of an insured a claim for property loss or damage with an insurance company. See Tex. Ins. Code § 4102.001(3). that states, “The insured may cancel this contract by written notice to the public insurance

adjuster within 72 hours of signature for any reason.” See Tex. Ins. Code § 4102.103(b) (PA

contract “must contain a provision allowing the client to rescind the contract by written notice . .

. within 72 hours of signature”). Despite that provision, Lupfer began work immediately,

meeting for several hours on January 17 and 18 with Anderson and Ron Murchek, an adjuster for

Anderson’s insurer based in Denton, and assessing damage to the marina.

According to Lupfer, he had begun to finalize an estimate of damages when, on

the morning of January 19, he received an email from Anderson cancelling the contract. Lupfer

responded that the cancellation was “a huge disappointment, but I respect your decision,” and

asked Anderson to consider meeting with him if the insurance company provided a low initial

estimate. Unbeknownst to Lupfer, Anderson had called Beneke, another PA, on the afternoon of

January 18, while Lupfer was meeting with Murchek, and minutes after he sent his cancellation

email, Anderson contacted Beneke to say he had cancelled the Lupfer contract, signing a contract

with Beneke on the afternoon of January 20. The claim ultimately took about two years to close,

with Beneke acting as PA.

Lupfer initially sued Beneke, Anderson, and the marina in Hill County, where the

marina is located, but settled with Anderson and the marina. He then nonsuited that proceeding

and filed this suit against Beneke in Travis County, where Beneke lives and does business,

alleging claims for tortious interference with an existing contract. 2 He also pled in the refiled

suit that Anderson had waived his right to terminate the Lupfer contract “in accordance with its

2 In the alternative to his tortious-interference claim, Lupfer alleged common-law fraud, constructive fraud, and conspiracy. Those claims were dismissed by an earlier order granting partial summary judgment in Beneke’s favor, and Lupfer only complains of the trial court’s dismissal of his claim for tortious interference. We thus only discuss arguments and evidence relevant to that claim. 2 terms and Section 4102.103(b) of the Texas Insurance Code”; that Anderson was “estopped by

the doctrine of equitable estoppel, quasi-estoppel from terminating the agreement”; and that “a

‘unilateral contract’ and non-terminable contract was established” by Lupfer’s “immediate and

substantial performance under the agreement, within the 72-hour termination period.” Beneke

filed a motion for traditional and no-evidence summary judgment, asserting that Lupfer could not

produce evidence that Beneke had willfully and intentionally interfered with the Lupfer contract

or that any such acts caused harm to Lupfer; that even if Beneke had urged Anderson to cancel

the contract, a fact he denied, inducing Anderson to do something he had a right to do under the

contract is not actionable; and that there was no evidence to support Lupfer’s arguments that the

contract should be viewed as an “at-will” or unilateral contract or that Anderson had waived the

right to cancel or was estopped from asserting that right.

As evidence, the parties attached excerpts from the depositions of Lupfer,

Anderson, Murchek, and Beneke; portions of Anderson’s phone records showing his calls to

Lupfer, Beneke, and Murchek between January 15 and 24; and two declarations by Lupfer. The

parties also attached various emails, including the following, all sent on January 19:

• Anderson’s cancellation email, received by Lupfer at 8:39 a.m., stating, “We believe that your knowledge of our marina and RV/Cabin rental business is not as thorough as we require for your services as a Public Adjuster.”

• Anderson’s 8:43 a.m. email to Murchek saying, “I have terminated the contract with [Lupfer] effective today. I will advise you later if Matt with [Beneke] will be traveling to Denton today.”

• Anderson’s 8:50 a.m. email to Beneke stating, “I have officially terminated the engagement with [Lupfer]. I look forward to working with you and Matt in the early stage of handling our latest disaster of 1/15/17.”

• Beneke’s 9:23 a.m. response, “Thanks, Jerry. Matt is leaving here about 11:00, so he should be there by 2:00ish to take a look around. If you have your current policy as a PDF, please send it to me.”

3 Lupfer’s handwritten notes, which he prepared within days of the contract’s

termination, state that on January 16, he drove to the area affected by the previous day’s tornado

and approached Anderson to explain what a PA could do for him. Anderson had worked with a

PA in the past and said he would think about whether he wanted Lupfer’s assistance. At about

10:00 a.m. on January 17, Anderson called to say he wanted to hire Lupfer. Lupfer went to the

marina at about noon, and discussed with Anderson the claim process and using an engineer

named Roger Otis “to assist with the docks.” Anderson gave Murchek’s name to Lupfer and

signed the Lupfer contract. After he and Lupfer looked at a layout of the marina, Lupfer

“walked the property to get a sense of the extent of the damage and to mentally formulate a

plan.” The notes indicate that Lupfer spent about three hours at the marina on January 17 and

about an hour afterwards making appointments for the next day with Murchek and Otis, as well

as calling Ray Choate, another PA, to ask him to assist Lupfer “due to the size of the claim.” On

January 18, Lupfer returned to the marina at about 8:15 a.m. When Murchek arrived at about

9:15, he, Lupfer, and Anderson discussed the claim and the insurance policy, but “the

information was limited because [Anderson] did not have his policy because of the storm and

[Murchek] had not received a copy from the company yet because we moved so fast.” Lupfer

and Murchek inspected the property until about 11:00 a.m., when Otis and Choate arrived, and

the four spent about six hours walking “every dock from end to end. Inspecting every part.”

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Fred Lupfer and Advanced Public Insurance Adjusters, LLC v. James R. "Jim" Beneke and the Beneke Company, Counsel Stack Legal Research, https://law.counselstack.com/opinion/fred-lupfer-and-advanced-public-insurance-adjusters-llc-v-james-r-jim-texapp-2021.