[Cite as Grange Indemn. Ins. Co. v. Hinds, 2023-Ohio-4085.]
IN THE COURT OF APPEALS OF OHIO THIRD APPELLATE DISTRICT ALLEN COUNTY
GRANGE INDEMNITY INSURANCE COMPANY,
PLAINTIFF-APPELLEE, CASE NO. 1-23-07
v.
SHANE HINDS,
DEFENDANT-APELLANT, -AND- OPINION MATTHEW FARMWALD,
DEFENDANT-APPELLEE.
Appeal from Allen County Common Pleas Court Civil Division Trial Court No. CV 2021 0247
Judgment Affirmed in Part, Reversed in Part
Date of Decision: November 13, 2023
APPEARANCES:
Clay W. Balyeat for Appellant
Robert J. Huebner for Appellee, Grange Indemnity Insurance Company Case No. 1-23-07
ZIMMERMAN, J.
{¶1} Defendant-appellant, Shane Hinds (“Hinds”), appeals the February 3,
2023 judgment of the Allen County Court of Common Pleas declaring that plaintiff-
appellee, Grange Indemnity Insurance Company (“Grange Insurance”), is excused
from indemnifying defendant-appellee, Matthew Farmwald (“Farmwald”), from
liability from claims asserted against him by Hinds from dog-bite injuries. For the
reasons that follow, we affirm in part and reverse in part.
{¶2} This case arises from dog-bite injuries, which Hinds sustained on July
28, 2020 from Farmwald’s dog, Caesar, to his nose and right arm. Hinds’s injuries
occurred when he was caring for Caesar while Farmwald and his then girlfriend,
Kelly Wildermuth (“Wildermuth”), traveled to Florida. Hinds is the adult son of
Wildermuth. Caesar bit Hinds when Hinds “was trying to feed and water him.”
(Hinds Depo. at 76). As a result of his injuries, Hinds filed a complaint (in another
case) against Farmwald in the trial court on May 18, 2021.
{¶3} Farmwald purchased Caesar, a mixed-breed dog, consisting of Dogo
Argententio (a large, mastiff-type dog) and Great Dane, “in 2013 or 2014” “after
[he] got back from Afghanistan.” (Farmwald Depo. at 7). Farmwald originally
obtained a homeowner’s insurance policy with Grange Insurance in May 2019. The
policy at issue in this case was effective from May 3, 2020 until May 3, 2021.
Farmwald selected the homeowner’s policy with Grange Insurance because he “was
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very limited in who [he] could have insurance-wise because a mastiff requires a
certain carrier. They had cheaper plans but you could not have the dog on the policy,
so [he] had to choose one that would cover the animal.” (Id. at 11). Farmwald’s
policy cost “an extra three or four hundred bucks a year to have a large breed animal
covered.” (Id. at 18).
{¶4} Prior to the incident with Hinds, Caesar bit or nipped a person or another
animal on five separate occasions. Specifically—all prior to the incident with
Hinds—Caesar nipped the arm of Kami Ellis (“Kami”), Hinds’s minor sister; bit
Wildermuth’s right thumb; nipped Wildermuth’s and Hinds’s dogs, Meeka (a
Siberian Husky) and Milo (a Jack Russel Terrier), and bit an Australian Shepard at
a dog park. However, in each of those five instances, the record reveals that Caesar
was reacting to guard food, a toy, or a dog crate.
{¶5} In this case, Grange Insurance filed a complaint for declaratory
judgment on August 16, 2021 against Hinds and Farmwald requesting that the trial
court declare that it did not owe Farmwald any rights of indemnity to pay the claims
asserted by Hinds (in the other case). On August 26, 2021, Hinds filed his answer.
After being granted leave, Farmwald filed his answer on February 24, 2022 along
with a counterclaim requesting that the trial court declare that he “is entitled to
insurance coverage and a defense for the claims which are the subject of the
complaint” in the case brought by Hinds. (Doc. No. 19). On March 9, 2022,
Grange Insurance filed its answer to Farmwald’s counterclaim.
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{¶6} On July 15, 2022, Grange Insurance filed a motion for summary
judgment, arguing that it is entitled to judgment as a matter of law since Farmwald’s
“policy of insurance did not and does not cover bodily injury caused by a dog with
a prior history of bodily injury to a person or animal.” (Doc. No. 23). On August
9 and 31, 2022, Farmwald and Hinds, respectively, filed a memorandum in
opposition to Grange Insurance’s motion for summary judgment. On September
12, 2022, Grange Insurance filed its reply to Farmwald’s and Hinds’s memoranda
in opposition to its motion for summary judgment.
{¶7} On February 3, 2023, the trial court granted judgment in favor of
Grange Insurance after concluding that it was entitled to judgment as a matter of
law because “any and all claims asserted by or against Farmwald arising out of the
July 28, 2020 incident are excluded from coverage under the Grange Insurance
Policy.” (Doc. No. 26).
{¶8} Hinds filed his notice of appeal on February 24, 2023. He raises two
assignments on appeal, which we will discuss together.
First Assignment of Error
The Trial Court erred when it granted summary judgment in favor of Grange Insurance Company by determining that the Exclusion contained in the insurance contract negated coverage obligations for Grange Insurance for a dog bite.
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Second Assignment of Error
The Trial Court erred by failing to address the material issues of fact which involve the clause in the insurance policy which nullifies the provision of exclusion for dog bites.
{¶9} In his assignments of error, Hinds argues that the trial court erred by
concluding that Farmwald’s insurance policy excludes Hinds’s injuries from
coverage since Caesar previously caused bodily injury to a person or injury to
another animal. In particular, in his first assignment of error, Hinds contends that
Farmwald’s insurance policy is “doubtful, vague or ambiguous relative to the
language excluding the coverage for Farmwald’s dog when applying an exclusion
for coverage of the Defendant Farmwald’s dog.” (Appellant’s Brief at 5). In his
second assignment of error, Hinds specifically contends that the trial court “failed
to address or consider the issues of fact regarding the directive in the policy which
states ‘Item b. (The exclusion) above does not apply in the event the animal is
reacting to protect people or property from imminent harm.’” (Emphasis sic.) (Id.
at 8, quoting Doc. No. 23, Ex. B).
Standard of Review
{¶10} “A party seeking to recover upon a claim, counterclaim, or cross-claim
or to obtain a declaratory judgment may move with or without supporting affidavits
for a summary judgment in the party’s favor as to all or any part of the claim,
counterclaim, cross-claim, or declaratory judgment action.” Potts v. Unglaciated
Industries, Inc., 7th Dist. Monroe No. 15 MO 0003, 2016-Ohio-8559, ¶ 62, citing
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Civ.R. 56(A). Summary judgment is proper where there is no genuine issue of
material fact, the moving party is entitled to judgment as a matter of law, and
reasonable minds can reach but one conclusion when viewing the evidence in favor
of the non-moving party, and the conclusion is adverse to the non-moving party.
Civ.R. 56(C); State ex rel. Cassels v. Dayton City School Dist. Bd. of Edn., 69 Ohio
St.3d 217, 219 (1994).
{¶11} “The party moving for summary judgment has the initial burden of
producing some evidence which demonstrates the lack of a genuine issue of material
fact.” Carnes v. Siferd, 3d Dist. Allen No. 1-10-88, 2011-Ohio-4467, ¶ 13, citing
Dresher v. Burt, 75 Ohio St.3d 280, 292 (1996). “In doing so, the moving party is
not required to produce any affirmative evidence, but must identify those portions
of the record which affirmatively support his argument.” Id., citing Dresher at 292.
“The nonmoving party must then rebut with specific facts showing the existence of
a genuine triable issue; he may not rest on the mere allegations or denials of his
pleadings.” Id., citing Dresher at 292 and Civ.R. 56(E).
{¶12} We review a decision to grant summary judgment de novo. Doe v.
Shaffer, 90 Ohio St.3d 388, 390 (2000). “De novo review is independent and
without deference to the trial court’s determination.” ISHA, Inc. v. Risser, 3d Dist.
Allen No. 1-12-47, 2013-Ohio-2149, ¶ 25, citing Costner Consulting Co. v. U.S.
Bancorp, 195 Ohio App.3d 477, 2011-Ohio-3822, ¶ 10 (10th Dist.).
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Analysis
{¶13} In this case, the trial court concluded that, “[c]onstruing all of the facts
in favor of the non-moving parties, reasonable minds can reach only one conclusion:
the policy in question excludes coverage for the July 28, 2020 injury caused by
Caesar.” (Doc. No. 26). Specifically, the trial court reasoned that “the policy in
question excludes coverage if a dog has a history of prior bodily injury to a person
or animal” and “Farmwald was aware of at least some of the incidents regarding
Caesar that led to Caesar biting either another dog or a human.” (Id.).
{¶14} On appeal, the parties dispute whether the policy’s exclusion is
ambiguous and whether there are genuine issues of material fact that the policy
exclusion applies in this case. “‘In Ohio, insurance contracts are construed as any
other written contract.’” Grange Ins. Co. v. Farmers Ins., 6th Dist. Lucas No. L-
22-1059, 2022-Ohio-4303, ¶ 9, quoting Andray v. Elling, 6th Dist. Lucas No. L-04-
1150, 2005-Ohio-1026, ¶ 18. “The coverage under an insurance policy is
determined by construing the contract ‘in conformity with the intention of the
parties as gathered from the ordinary and commonly understood meaning of the
language employed.’” Crow v. Dooley, 3d Dist. Allen No. 1-11-59, 2012-Ohio-
2565, ¶ 8, quoting King v. Nationwide Ins. Co., 35 Ohio St.3d 208, 211 (1988).
Thus, policy “terms are to be given their plain and ordinary meaning * * * .” Id. If
the language of the policy, read as a whole, “‘is clear and unambiguous, then its
interpretation is a matter of law and there is no issue of fact to be determined.’”
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Barhorst, Inc. v. Hanson Pipe & Prods. Ohio, Inc., 169 Ohio App.3d 778,
2006-Ohio-6858, ¶ 10 (3d Dist.), quoting Inland Refuse Transfer Co. v.
Browning-Ferris Industries of Ohio, Inc., 15 Ohio St.3d 321, 322 (1984).
“‘Ambiguity exists only when a provision at issue is susceptible of more than one
reasonable interpretation.’” E.J. Zeller, Inc. v. Auto Owners Ins. Co., 3d Dist.
Defiance No. 4-14-04, 2014-Ohio-4994, ¶ 15, quoting Lager v. Miller-Gonzalez,
120 Ohio St.3d 47, 2008-Ohio-4838, ¶ 16.
{¶15} “‘Furthermore, “[i]f provisions are susceptible of more than one
interpretation, they ‘will be construed strictly against the insurer and liberally in
favor of the insured.’”’” Grange Ins. at ¶ 10, quoting Sauer v. Crews, 140 Ohio
St.3d 314, 2014-Ohio-3655, ¶ 11, quoting Sharonville v. Am. Emp. Ins. Co., 109
Ohio St.3d 186, 2006-Ohio-2180, ¶ 6, quoting King v. Nationwide Ins. Co., 35 Ohio
St.3d 208 (1988), syllabus. “The reviewing court may then examine extrinsic
evidence to determine the intent of the parties if a contract is ambiguous.” Crow at
¶ 9.
{¶16} “[W]hen an insurance contract contains exceptions to coverage, there
is a presumption that all coverage applies unless it is clearly excluded in the
contract.” Id. at ¶ 10. “‘Accordingly, in order for an insurer to defeat coverage
through a clause in the insurance contract, it must demonstrate that the clause in the
policy is capable of the construction it seeks to give it, and that such construction is
the only one that can be fairly placed upon the language.’” Id., quoting Bosserman
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Aviation Equip. v. U.S. Liab. Ins. Co., 183 Ohio App.3d 29, 2009-Ohio-2526, ¶ 11
(3d Dist.). That is, “under Ohio law, ‘“an exclusion in an insurance policy will be
interpreted as applying only to that which is clearly intended to be excluded.’””
(Emphasis sic.) Grange Ins. at ¶ 10, quoting Sauer at ¶ 11, quoting Hybud Equip.
Corp. v. Sphere Drake Ins. Co., 64 Ohio St.3d 657, 665 (1992).
{¶17} “The party seeking to recover under an insurance policy bears the
burden of demonstrating that the policy provides coverage for the particular loss.”
Crow at ¶ 11. “However, ‘when an insurer denies liability coverage based upon a
policy exclusion, the insurer bears the burden of demonstrating the applicability of
the exclusion.’” Id., quoting Beaverdam Contracting, Inc. v. Erie Ins. Co., 3d Dist.
Allen No. 1-08-17, 2008-Ohio-4953, ¶ 19.
{¶18} In his first assignment of error, Hinds argues that the policy exclusion
is ambiguous because it “does not provide a definition of ‘Bodily Injury’, nor does
it provide the insured with enough detail or information for him to have determined
that his dog Caesar would not be covered under his new Grange Insurance policy
because of prior interactions with other dogs or persons before the policy was
effective.” (Emphasis sic.) (Appellant’s Brief at 6-7). In other words, Hinds
contends that the policy “does not specify a degree of severity of harm or injury
within the definition of Bodily Injury, only that the harm be ‘bodily’, or in the form
of sickness or disease.” (Id. at 6). Likewise, he contends that “[t]he exclusionary
language states ‘has previously caused’, without citing a reference point as to when
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the prior events are considered,” which “creates an ambiguity which must be
interpreted in favor of the insured.” (Emphasis sic.) (Id. at 7). On the contrary,
Grange Insurance contends that the policy is not ambiguous and argues that “[i]t is
clear that the language can be summed up as an occurrence, in this case a dog bite,
is not covered under para. 19 [sic] when there is previous injury or harm to a person
or another animal prior to the occurrence except if the animal was reacting to protect
people or property from imminent harm.” (Appellee’s Brief at 10).
{¶19} Farmwald’s Homeowners HO-3 Special Policy provides, in its
relevant part, as follows:
SECTION II – PERSONAL LIABILITY PROTECTION
LIABILITY LOSSES WE COVER
COVERAGE E – PERSONAL LIABILITY
We will pay all sums, up to our limit of liability shown on the Declarations page for this coverage, arising out of any one loss for which an insured person becomes legally obligated to pay as damages because of bodily injury * * * , caused by an occurrence covered by this policy. * * *
If a claim is made or suit is brought against the insured person for damages because of bodily injury * * * caused by an occurrence to which this coverage applies, we will defend the insured person at our expense, using lawyers of our choice. * * * We may investigate or settle any claim or suit as we think appropriate.
COVERAGE F – MEDICAL PAYMENTS TO OTHERS
A. We will pay the reasonable expenses incurred, up to our limit of liability shown on the Declarations page for this coverage, for necessary medical, surgical, x-ray and dental services, prosthetic
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devices, eyeglasses, prescription contacts, hearing aids, pharmaceuticals, ambulance, hospital, licensed nursing and funeral services. These expenses must be incurred within three years from the date of an accident causing bodily injury covered by this policy.
Each person who sustains bodily injury is entitled to this protection when that person is:
1. On an insured premises with the permission of an insured person; or
2. Elsewhere, if the bodily injury:
***
c. Is caused by an animal owned by or in the care of an insured person;
PERSONAL LIABILITY LOSSES WE DO NOT COVER
A. Under Coverage E – Personal Liability and Coverage F – Medical Payments to Others, we do not coverage bodily injury
19. Arising out of any animal that any insured person acquires, owns or keeps that:
a. Is of a breed or kind named by or controlled by any local, state, or federal ordinance or law because of public safety concerns;
b. Has previously caused:
(1) Bodily injury to a person; or
(2) Injury to another animal
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Item b. above does not apply in the event the animal is reacting to protect people or property from imminent harm.
(Emphasis sic.) (Doc. No. 23, Ex. B). As used in the policy, bodily injury “means
bodily harm, sickness or disease, including required care, loss of services, and
resulting death.” (Id.).
{¶20} We conclude that the policy exclusion is clear and unambiguous—that
is, Grange Insurance met its burden of demonstrating that the policy exclusion
clearly and unambiguously denies coverage when an animal has previously caused
bodily injury to a person or injury to another animal. Indeed, the policy exclusion
clearly and unambiguously defines bodily injury to mean “bodily harm, sickness or
disease, including required care, loss of services, and resulting death.” (Doc. No.
23, Ex. B). See Hawthorne v. Migoni, 5th Dist. Tuscarawas No. 2003AP070054,
2004-Ohio-378, ¶ 13 (determining that the insurance policy’s definition of “bodily
injury” “as meaning ‘bodily injury, sickness or disease’” was not unclear or
ambiguous). See also Tuohy v. Taylor, 3d Dist. Defiance No. 4-06-23, 2007-Ohio-
3597, ¶ 23.
{¶21} Moreover, tracing the history of the phrase “bodily injury” as it is used
in insurance policies, this court summarized that the plain and ordinary meaning of
the term—defined identically or similarly as here—to encompass “‘an injury caused
by external violence * * * .” Grange Ins. Co. v. Sawmiller, 3d Dist. Auglaize No.
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2-13-19, 2014-Ohio-1482, ¶ 22, quoting Burns v. Employers’ Liab. Assur. Corp.,
Ltd., 134 Ohio St. 222, 233 (1938). In other words, “bodily injury” clearly and
unambiguously means any “[p]hysical damage to a person’s body.” Black’s Law
Dictionary 906 (10th Ed.2014). See, e.g., Loudin v. Radiology & Imaging Servs.,
Inc., 185 Ohio App.3d 438, 2009-Ohio-6947, ¶ 30 (9th Dist.) (noting that “Black’s
Law Dictionary has equated ‘physical injury’ with ‘bodily injury,’ which it has
defined as ‘[p]hysical damage to a person’s body’”), quoting Black’s Law
Dictionary 801 (8th Ed.2004).
{¶22} Furthermore, contrary to Hinds’s argument, the term “previously” as
it is used in the policy exclusion does not render the exclusion ambiguous. Indeed,
the plain and ordinary meaning of the term means “existing or occurring prior to
something else in time or order.” American Heritage Dictionary 982 (2d Ed.1985).
Simply, “previously” clearly and unambiguously means occurring prior in time.
{¶23} Here, we conclude (based on the facts presented) that Grange
Insurance presented evidence that Caesar previously caused bodily injury to a
person. Specifically, Grange Insurance presented evidence that Caesar previously
caused bodily harm—or physical damage to a person’s body—to two people. First,
Grange Insurance presented evidence that Caesar nipped Kami’s arm. Indeed,
according to Farmwald, “there was some very minor puncture wounds. One was a
little less minor than the other where the teeth had broke the skin.” (Farmwald
Depo. at 30). (See Plaintiff’s Ex. B). However, Kami did not require medical
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attention. Further, Grange Insurance presented evidence that Caesar bit
Wildermuth’s right thumb. Expressly, Wildermuth testified that, even though she
did not require medical care, “it pierce[d] the skin.” (Wildermuth Depo. at 21).
Importantly, Wildermuth testified that both incidents occurred prior in time to the
incident involving Hinds and Caesar.
{¶24} Based on that evidence, we conclude that Grange Insurance presented
evidence that Caesar previously caused bodily injury to a person—that is, Grange
Insurance presented evidence that Caesar caused injuries by external violence to two
people. Because Grange Insurance presented evidence that Caesar previously
caused bodily injury to a person, we need not reach whether Caesar previously
caused injury to another animal. Therefore, Hinds’s first assignment of error is
overruled.
{¶25} Nevertheless, we conclude genuine issues of material fact remain as
to whether the exception to the policy exclusion applies in this case—that is, we
conclude that there is a triable issue as to whether Caesar was reacting to protect
people or property from imminent harm in the instances that he caused bodily injury
to a person or injury to another animal. Specifically, in his second assignment of
error, Hinds contends that “[t]he Trial Court’s Declaratory Judgment failed to
address or consider the issues of fact regarding the directive in the policy which
states “Item b. (The exclusion) above does not apply in the event the animal is
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reacting to protect people or property from imminent harm.’” (Emphasis sic.)
(Appellant’s Brief at 8, quoting Doc. No. 23, Ex. B). We agree.
{¶26} Based on our review of the record, we conclude that, even though
Grange Insurance produced evidence that Caesar previously caused bodily injury to
a person (or injury to another animal), Hinds responded with evidence
demonstrating a genuine issue of material fact that Caesar was reacting to protect
people or property from imminent harm. Indeed, Hinds presented evidence creating
a genuine issue of material fact whether Caesar was reacting to guard food, a toy,
or a dog crate in each of the instances (occurring prior to Hinds’s injuries) in which
a person or another animal was injured by Caesar.
{¶27} Critically, Wildermuth testified that they “didn’t know [Caesar] was
going to attack a person like” he attacked Hinds because the other instances were
primarily “a food aggression” and Caesar “didn’t become aggressive until” the day
he attacked Hinds. (Wildermuth Depo. at 44). She testified that “there was just a
food aggression”—that is, “Caesar didn’t like people being around food” and
Wildermuth and Farmwald had to feed Meeka and Milo separately from Caesar
because of his food aggression. (Id. at 14).
{¶28} Indeed, in response to Kami’s injury, Hinds presented evidence that
Kami was injured after Kami found Caesar “in the trash can on [a] chicken carcass;
and she walked in and said, no * * * , and smacked his butt; and that’s when [Caesar]
turned around and nipped her arm.” (Farmwald Depo. at 29). Likewise, Hinds
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presented evidence that Caesar nipped Meeka while the animals were feeding. In
particular, Hinds testified that “it was just a food aggression when it happened,”—
namely, Caesar “basically just came in there and went after the food and then he
went after Meeka.” (Hinds Depo. at 26). Similarly, Hinds presented evidence that
Caesar was reacting to guard food in the instance that he nipped Milo. Specifically,
he presented evidence that “Milo came in the living room with a can of food.
[Wildermuth] tried to get it from him. [Milo] nipped at her, so she kind of tried to
kick the can away from him; and that’s when Cesar [sic] got up and went over to
Milo, and then Milo nipped at Cesar [sic]; and that’s when he grabbed him.”
(Farmwald Depo. at 27).
{¶29} Moreover, Hinds presented evidence that Caesar was reacting to guard
a dog crate or a toy in the remaining instances in which Wildermuth and the
Australian Shepard sustained injuries from Caesar. Specifically, Wildermuth
testified that she was injured while she was in the process of putting the dogs in their
respective dog crates. Furthermore, Hinds presented evidence that Caesar “bit [the]
neck” of the Australian Shepard at the dog park after the “dog took Caesar’s ball
away from Caesar * * * .” (Hinds Depo. at 30).
{¶30} Consequently, we conclude (based on the facts presented) that genuine
issues of material fact remain as to whether the exception to the policy exclusion
applies in this case. That is, we conclude that genuine issues of material fact remain
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as to whether Caesar was reacting to protect people or property from imminent harm
in the instances that he caused bodily injury to a person or injury to another animal.
{¶31} Therefore, Hinds’s second assignment of error is sustained.
{¶32} Having found no error prejudicial to the appellant herein in the
particulars assigned and argued in assignments of error one, we affirm the judgment
of the trial court. Having found error prejudicial to the appellant herein in the
particulars assigned and argued in assignment of error two, we reverse the judgment
of the trial court and remand for further proceedings consistent with this opinion.
Judgment Affirmed in Part, Reversed in Part and Cause Remanded
WILLAMOWSKI and WALDICK, J.J., concur.
/hls
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