Gould v. Allstate Vehicle and Property Insurance Company

CourtDistrict Court, W.D. Washington
DecidedApril 20, 2023
Docket2:22-cv-00820
StatusUnknown

This text of Gould v. Allstate Vehicle and Property Insurance Company (Gould v. Allstate Vehicle and Property Insurance Company) is published on Counsel Stack Legal Research, covering District Court, W.D. Washington primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Gould v. Allstate Vehicle and Property Insurance Company, (W.D. Wash. 2023).

Opinion

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5 6 7 UNITED STATES DISTRICT COURT 8 WESTERN DISTRICT OF WASHINGTON AT SEATTLE 9 10 ALEXANDER GOULD, et al., CASE NO. 2:22-cv-00820-LK 11 Plaintiffs, ORDER REGARDING PENDING 12 v. MOTIONS 13 ALLSTATE VEHICLE AND PROPERTY INSURANCE CO., 14 Defendant. 15 16 This matter comes before the Court on four motions: (1) Plaintiffs Alexander and Lieba 17 Gould’s Motion to Compel Defendant’s Fed. R. Civ. P. 30(b)(6) Deposition, Discovery Answers, 18 and Request for Attorney Fees and Costs, Dkt. No. 14; (2) Defendant Allstate Vehicle and Property 19 Insurance Company’s Motion to Exclude Evidence Regarding Damages, Dkt. No. 18; 20 (3) Plaintiffs’ Second Motion to Compel and Request for Fees, Costs, and Sanctions, Dkt. No. 29; 21 and (4) Allstate’s Motion to Stay Plaintiffs’ Discovery and for a Protective Order, Dkt. No. 33. 22 For the reasons set forth below, the Court denies Allstate’s motions, grants in part and denies in 23 part the Goulds’ first motion to compel, and grants their second motion to compel. 24 1 I. BACKGROUND 2 This matter arises out of an insurance dispute between the Goulds and Allstate. While the 3 Goulds were out of town in January 2022, a severe storm occurred and they were notified that 4 water was coming through the ceiling in their kitchen. Dkt. No. 12 at 2–3; Dkt. No. 25-1 at 7.

5 When they returned home, they found “water all over the floor, the counters, and the cabinets. The 6 ceiling had fallen through in several places, and on the walls . . . the paint had peeled off.” Dkt. 7 No. 25-1 at 8. They allege that the resulting water intrusion caused major damage to their electrical 8 system, their entire kitchen “had to be torn out,” “[d]ust and possibly mold was spread throughout 9 the house,” and they had to move in with family when their house became uninhabitable. Dkt. No. 10 12 at 3; Dkt. No. 25-1 at 6. 11 The Goulds filed suit in June 2022, alleging that Allstate “failed to pay sufficient benefits 12 to restore the home to its pre-loss condition, including a failure to agree to pay . . . sufficient 13 benefits for replacement of components of the electrical system” and additional living expenses 14 (“ALE”) to allow them to live elsewhere while their home was restored to its pre-loss condition.

15 Dkt. No. 12 at 3, 6. They claim that Allstate “failed to perform a full and fair investigation of the 16 claim,” denied the benefits to which they were entitled under the policy, and constructively denied 17 their claim. Id. At 8. They bring claims for declaratory judgment, breach of the insurance contract, 18 negligent claims handling, and violations of Washington’s Consumer Protection Act (“CPA”), the 19 duty of good faith, and Washington’s Insurance Fair Conduct Act (“IFCA”). Id. at 8–11. 20 Allstate counters that it promptly acknowledged coverage, paid the mitigation expense, and 21 paid the amount it believed was owed for the damage. Dkt. No. 18 at 1–2. In all, Allstate agreed 22 to pay the Goulds $42,865.57 to repair their kitchen. Dkt. No. 34-1 at 1. But the Goulds were 23 dissatisfied with that amount. Before they filed suit, they informed Allstate that their contractor

24 could not restore the kitchen for less than $49,000. Dkt. No. 24 at 4; Dkt. No. 25-3 at 15. They 1 now contend that Allstate is liable for $15,531.94 in kitchen repair expenses. Dkt. No. 24 at 3. The 2 Goulds also claim that the difference between the “electrical work order” they received and what 3 Allstate paid to repair their electrical system was $10,381.95. Id.; Dkt. No. 25-3 at 15. They seek 4 those allegedly unpaid amounts in damages, as well as unpaid ALE benefits, the costs of

5 investigation, general damages, enhanced damages under the CPA and IFCA, and attorney’s fees 6 and costs. See Dkt. No. 19-4 at 4–5. 7 A. The Goulds’ First Motion to Compel 8 The Goulds served requests for production and interrogatories on Allstate on August 11, 9 2022. Dkt. No. 15 at 1. Although Allstate provided some information in response, the Goulds 10 concluded that its written answers and document production were incomplete. Id. 11 On January 4, 2023, the Goulds propounded a Federal Rule of Civil Procedure 30(b)(6) 12 deposition notice to Allstate. Id. at 2. The notice listed topics of inquiry and directed Allstate to 13 produce documents related to those topics, many of which overlapped with their August 2022 14 written discovery requests. Id.; see also Dkt. No. 15-3 at 2–6.

15 The Goulds’ counsel called Allstate’s counsel on January 9, 2023 to schedule the Rule 16 30(b)(6) deposition and discuss the topics listed in the notice. Dkt. No. 15 at 2. During that call, 17 Allstate’s counsel was unable to provide available dates for the deposition and objected to most of 18 the topics listed in the deposition notice. Id. The Goulds’ counsel sent a letter on January 9, 2023 19 summarizing the call and detailing the deficiencies in Allstate’s discovery responses. Id.; Dkt. No. 20 15-2 at 2–4. 21 Counsel conferred again on January 11, 2023. Dkt. No. 15 at 2. This time, Allstate’s 22 counsel indicated that “Allstate would not designate a witness at all for the Rule 30(b)(6) 23 deposition or provide any additional discovery because Allstate intended to file a dispositive

24 motion.” Id. Allstate refused to discuss “any specific objections to the Rule 30(b)(6) topics or any 1 of plaintiffs’ other discovery concerns, taking the position that it was not required to participate in 2 discovery until after the Court ruled on its dispositive motion—which ha[d] yet to be filed.” Id. 3 Allstate does not dispute the Goulds’ summary of those calls. On January 17, 2023, the Goulds 4 filed a motion to compel Allstate “to designate a witness to testify to the topics included in

5 plaintiffs’ Fed. R. Civ. P. 30(b)(6) deposition notice and provide complete written discovery 6 answers.” Dkt. No. 14 at 2. 7 B. Allstate’s Motion to Exclude Damages 8 On January 30, 2023, Allstate filed a motion to exclude evidence of the Goulds’ damages 9 because their initial disclosures were untimely and incomplete. Dkt. No. 18 at 1. The Goulds 10 acknowledge that all of their home repairs were completed by August 2022. Dkt. No. 24 at 3. 11 Nevertheless, their August 17, 2022 initial disclosures did not include a computation of damages; 12 instead, they listed categories of damages and stated that “plaintiffs will likely rely on expert 13 testimony to establish damages.” Dkt. No. 19-3 at 4. Allstate complained about the incomplete 14 initial disclosures on September 1, 2022 and requested a discovery conference. Dkt. No. 19-5 at 2.

15 The record does not show whether the parties held any discovery conferences between that email 16 and their January 2023 conferences. 17 In the meantime, Allstate deposed both Plaintiffs on October 27, 2022 and questioned them 18 about their alleged damages. Dkt. Nos. 25-1, 25-2. Mr. Gould testified that the Goulds are seeking 19 damages for Allstate’s “[f]ailure to pay a full amount for damages to our property, as well as failure 20 to provide additional living expenses.” Dkt. No. 25-1 at 3. He alleged that Allstate should have 21 paid “[r]oughly $49,000 for the loss of the structure[.]” Id. He testified that the Goulds incurred 22 additional living expenses as a result of the loss but had not submitted receipts, invoices, or claims 23 to Allstate regarding those expenses and instead planned “to rely on an expert for that.” Id. at 4.

24 Mrs.

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Gould v. Allstate Vehicle and Property Insurance Company, Counsel Stack Legal Research, https://law.counselstack.com/opinion/gould-v-allstate-vehicle-and-property-insurance-company-wawd-2023.