Harris v. Standard Guaranty Insurance Company

District Court, N.D. Alabama·Decided July 16, 2025·No. 2:24-cv-00153·Unknown

Opinion

UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF ALABAMA SOUTHERN DIVISION

RODERICK HARRIS, ) ) Plaintiff, ) ) v. ) Case No.: 2:24-cv-00153-JHE ) STANDARD GUARANTY INSURANCE ) COMPANY, et al., ) ) Defendants. )

MEMORANDUM OPINION AND ORDER1 Proceeding pro se, Plaintiff Roderick Harris (“Mr. Harris”) brings claims on behalf of the Estate of Martha C. Harris 2 against Defendant Standard Guaranty Insurance Company (“Standard”), alleging “breach of contract, negligence, bad faith, conversion, conspiracy, fraud, and corruption.” (Doc. 1).3 Standard has moved for summary judgment. (Doc. 42). Mr. Harris has filed a response in opposition (doc. 46), along with a motion to “stay, rescind, or void” the undersigned’s previous orders (doc. 48). Standard has filed a reply. (Doc. 55). For the reasons

1 In accordance with the provisions of 28 U.S.C. § 636(c) and Federal Rule of Civil Procedure 73, the parties have voluntarily consented to have a United States Magistrate Judge conduct any and all proceedings, including trial and the entry of final judgment. (Doc. 21). 2 Mr. Harris is the administrator of the Estate. (See doc. 1). Even though the claims raised in this case are the Estate’s and not Mr. Harris’s, this memorandum opinion does not generally distinguish between the two. 3 As discussed further below, Mr. Harris also sued Defendants Crawford & Company (“Crawford”), and Wells Fargo Bank, N.A. (“Wells Fargo”). Defendants Crawford moved to dismiss Mr. Harris’s complaint (doc. 7), and Wells Fargo moved for summary judgment (doc. 28). On March 11, 2025, the undersigned granted both motions. (Doc. 41). discussed below, Standard’s motion for summary judgment is GRANTED, and Mr. Harris’s motion is DENIED.4 Legal Standard Under Rule 56(a) of the Federal Rules of Civil Procedure, summary judgment is proper “if the movant shows that there is no genuine dispute as to any material fact and the movant is entitled

to judgment as a matter of law.” Rule 56 “mandates the entry of summary judgment, after adequate time for discovery and upon motion, against a party who fails to make a showing sufficient to establish the existence of an element essential to that party’s case, and on which that party will bear the burden of proof at trial.” Celotex Corp. v. Catrett, 477 U.S. 317, 322 (1986). The moving party bears the initial burden of proving the absence of a genuine issue of material fact. Id. at 323. The burden then shifts to the nonmoving party, who is required to “go beyond the pleadings” to establish there is a “genuine issue for trial.” Id. at 324. (citation and internal quotation marks omitted). A dispute about a material fact is genuine “if the evidence is such that a reasonable jury could return a verdict for the nonmoving party.” Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248 (1986).

The Court must construe the evidence and all reasonable inferences arising from it in the light most favorable to the non-moving party. Adickes v. S.H. Kress & Co., 398 U.S. 144, 157, (1970); see also Anderson, 477 U.S. at 255 (all justifiable inferences must be drawn in the non- moving party’s favor). Any factual disputes will be resolved in Plaintiff’s favor when sufficient competent evidence supports Plaintiff’s version of the disputed facts. See Pace v. Capobianco,

4 Mr. Harris has moved for a hearing on Standard’s motion. (Doc. 49). The undersigned has considered Mr. Harris’s arguments and finds a hearing is unnecessary. Therefore, that motion is DENIED. 2 283 F.3d 1275, 1276–78 (11th Cir. 2002) (a court is not required to resolve disputes in the non- moving party’s favor when that party’s version of the events is supported by insufficient evidence). However, “mere conclusions and unsupported factual allegations are legally insufficient to defeat a summary judgment motion.” Ellis v. England, 432 F.3d 1321, 1326 (11th Cir. 2005) (per curiam) (citing Bald Mtn. Park, Ltd. v. Oliver, 836 F.2d 1560, 1563 (11th Cir. 1989)). Moreover, “[a] mere

‘scintilla’ of evidence supporting the opposing party’s position will not suffice; there must be enough of a showing that the jury could reasonably find for that party.” Walker v. Darby, 911 F.2d 1573, 1577 (11th Cir. 1990) (citing Anderson, 477 U.S. at 252). Facts and Procedural History5 The undersigned set out the facts and procedural history of this case in the memorandum opinion dismissing Mr. Harris’s claims against Crawford and Wells Fargo: According to the complaint, “[t]his is the third filing of this lawsuit.” (Doc. 1 at 6). Mr. Harris points to the following “unresolved lawsuits”: Harris v. Standard Guaranty Ins., Case No. 2:20-cv-00335-SLB (N.D. Ala.) (“Harris I”); and Estate of Martha C. Harris v. Wells Fargo Bank, N.A. et al., Case No. 2:23-cv-00173- AMM (N.D. Ala.) (“Harris II”). (Id.). Mr. Harris includes no facts in his complaint but states that Defendants are liable for “breach of contract, negligence, bad faith, conversion, conspiracy, fraud, and corruption.” (Id.). Mr. Harris also takes issue with “a Federal Court Mediator” who “engaged in corruption and conspired with the Defendants by issuing a void order which violated the Plaintiff’s Constitutional and Civil rights.” (Id.). Piecing the facts together from Plaintiff’s filings and the dockets in Mr. Harris’s previous federal cases, the following procedural history has led up to this point.

5 The undersigned considered the facts and procedural history below in the context of resolving Crawford’s motion to dismiss and Wells Fargo’s motion for summary judgment. (See doc. 41). Although Standard has submitted its own versions of the evidence, the undersigned will quote from the previous opinion and its citations to Wells Fargo’s evidence to the extent that the evidence is identical. The undersigned also continues to take judicial notice of the records in Mr. Harris’s previous cases, which are central to his claims here. (See id. at 6 n.5). 3 A. Harris I Mr. Harris is the Administrator of the Estate of Martha C. Harris. (See doc. 1). In that capacity, but proceeding pro se, Mr. Harris brought claims against Wells Fargo, Crawford, and Standard on February 6, 2020, in the Circuit Court of Jefferson County, Alabama.6 (Doc. 30-1); Harris I, doc. 1-1. Mr. Harris alleged the defendants “are engaged in negligence, bad faith practices, fraud, and breach of contract” and that the defendants “are working together to deprive the Estate of insurance proceeds; and to unlawfully take possession of property the Estate owns and has an interest in.” (Doc. 30-1 at 2). Specifically, the complaint stated that Ms. Harris died from injuries she suffered in an accidental house fire at 417 Kim Drive (the “Property”) in February 2018. (Id. at 2). In June 2018, Standard, which provided lenders insurance procured by Wells Fargo and paid by Ms. Harris, sent an adjuster from Crawford to appraise the damage to the Property. (Id. at 3–4). Mr. Harris alleged that the adjuster submitted a fraudulent report to Standard; based on that report, Standard issued a check compensating Mr. Harris for only a fraction of the damage to the Property. (Id. at 3). Despite Mr.

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