Hunter Seaborn Mackenzie Black v. Robert J. Perrault, Jr. and The Florida Department of Financial Services

District Court, M.D. Florida·Decided June 23, 2026·No. 8:25-cv-01466·Unknown

Opinion

UNITED STATES DISTRICT COURT MIDDLE DISTRICT OF FLORIDA TAMPA DIVISION

HUNTER SEABORN MACKENZIE BLACK,

Plaintiff,

v. Case No. 8:25-cv-01466-WFJ-CPT

ROBERT J. PERRAULT, JR. and THE FLORIDA DEPARTMENT OF FINANCIAL SERVICES,

Defendants. ___________________________________/

ORDER Before the Court is Defendant Florida Department of Financial Services’ (“DFS”) Motion to Dismiss Count II of the Second Amended Complaint. Dkt. 40. Plaintiff Hunter Seaborn Mackenzie Black (“Plaintiff”) has responded in opposition. Dkt. 41. After careful consideration, the Court grants Defendant’s motion to dismiss Count II with prejudice. BACKGROUND Plaintiff was an independent salesman for a licensed roofing contractor who conducted door-to-door roofing sales. Dkt. 35 ¶¶ 3, 36. Defendant DFS is a Florida agency headed by the Chief Financial Officer. See Fla. Stat. § 20.121(1). Within DFS is the Division of Criminal Investigations, which functions as a “criminal justice agency” and has the authority to “initiate and conduct investigations” into matters within the Chief Financial Officer’s jurisdiction. Id. § 20.121(2)(e). The Bureau of Insurance Fraud is housed within the Division of Criminal Investigations,

Dkt. 35 ¶¶ 2, 4, and Defendant Robert J. Perrault, Jr. is a law enforcement officer assigned to the Bureau. Id. ¶¶ 5, 21. Defendant Perrault’s duties include “investigat[ing] potential instances of insurance fraud and . . . refer[ring] such cases

to the Office of the State Attorney for the applicable counties for review and prosecution.” Id. ¶ 12. Plaintiff alleges that in August 2022, Defendant Perrault conducted an investigation and authored an affidavit asserting that Plaintiff impersonated a public

adjuster, initiated a fraudulent insurance claim on behalf of a homeowner, and acted as a contractor without a license. Id. ¶¶ 36–39. As a result of the allegations in Defendant Perrault’s affidavit, the State Attorney’s Office for Hernando County

brought criminal charges against Plaintiff for “[i]mpersonating a public adjuster; [i]nsurance fraud less than $20,000; and [u]nlicensed contracting – construction insurance claim less than $20,000.” Id. ¶¶ 1, 7, 9.1 However, following further discovery and investigation into the charges, the State filed a Notice of Nolle

Prosequi, thereby dismissing the criminal charges against Plaintiff. Id. ¶¶ 15, 40– 43; see Dkt. 35-3 (showing Notice of Nolle Prosequi).

1 The underlying criminal case was styled State of Florida v. Hunter Seaborn Mackenzie Black, Case No. 2024CF000956, which was pending in Hernando County, Florida. Dkt. 35 ¶ 7. On June 5, 2025, Plaintiff filed suit against Defendant Perrault. Dkt. 1 at 1, 14. After providing the required pre-suit notice of claim under Florida Statute §

768.28(6), Plaintiff filed an Amended Complaint adding Defendant DFS to the suit. Dkt. 20 ¶¶ 11–12. On March 19, 2026, the Court granted Defendant DFS’s motion to dismiss the negligent investigation claim against Defendant DFS, finding

“Plaintiff has failed to sufficiently allege a duty of care[.]” Dkt. 34 at 11. Specifically, the Court found that Defendant DFS neither owed a statutory duty nor a special tort duty to Plaintiff based on the factual allegations. Id. at 6–11. In the operative Second Amended Complaint, Plaintiff brings a malicious

prosecution claim against Defendant Perrault under 42 U.S.C. § 1983 (Count I), Dkt. 35 ¶¶ 46–62, and a negligent investigation claim against Defendant DFS (Count II).2 Id. ¶¶ 63–71. Plaintiff claims that Defendant DFS “fail[ed] to conduct a diligent and

proper investigation into the veracity of the facts related to [Plaintiff’s] Criminal Prosecution, including the information provided by Perrault, to ensure probable cause existed prior to referring [Plaintiff] for prosecution.” Id. ¶ 70. Once again,

2 The only basis for this Court’s original jurisdiction is the federal 42 U.S.C. § 1983 claim against Defendant Perrault in Count I. Applying 28 U.S.C. § 1367(a), so long as this Court has original jurisdiction over this case, it also has jurisdiction to consider the state-law claim against Defendant DFS that forms part of the same case or controversy. When “each claim involves the same facts, occurrences, witnesses, and evidence[,] [t]his commonality is sufficient to satisfy” the constitutional case-or-controversy requirement of § 1367(a). Palmer v. Hosp. Auth. of Randolph County, 22 F.3d 1559, 1566–67 (11th Cir. 1994) (recognizing that the supplemental jurisdiction statute, 28 U.S.C. § 1367(a), provides congressional authorization for what was formerly known as pendent party jurisdiction). Here, the § 1983 malicious prosecution claim against Defendant Perrault and the state-law negligent investigation claim against Defendant DFS would clearly involve the same facts, occurrences, witnesses, and evidence. Defendant DFS moves to dismiss the negligent investigation claim in Count II under Federal Rule of Civil Procedure 12(b)(6). See Dkt. 40.

LEGAL STANDARD Federal Rule of Civil Procedure 8(a)(2) requires “a short and plain statement of the claim showing that the [plaintiff] is entitled to relief . . . to give the defendant

fair notice” of the claims and their grounds. Bell Atl. Corp. v. Twombly, 550 U.S. 544, 555 (2007) (citation modified). The plaintiff must allege “more than labels and conclusions, and a formulaic recitation of the elements of a cause of action will not do[.]” Id. (citation omitted). In considering a Rule 12(b)(6) motion to dismiss, the

court must “accept the complaint[’s] allegations as true,” and it must construe the facts in the light most favorable to the plaintiff. Wiersum v. U.S. Bank, N.A., 785 F.3d 483, 485 (11th Cir. 2015). “[A] complaint must contain sufficient factual

matter, accepted as true, to state a claim to relief that is plausible on its face” to survive a motion to dismiss. Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009) (citation modified). However, “[t]hreadbare recitals of the elements of a cause of action, supported by mere conclusory statements,” are insufficient to state a plausible claim

for relief. Id. at 678. In other words, “[c]onclusory allegations, unwarranted deductions of facts or legal conclusions masquerading as facts will not prevent dismissal.” Jackson v. BellSouth Telecomms., 372 F.3d 1250, 1262 (11th Cir. 2004)

(citation modified). DISCUSSION Defendant DFS argues that while “the Second Amended Complaint includes additional conclusory factual allegations, it ultimately fails to identify any specific

facts that could, if true, establish that DFS owed a specialized duty of care to Plaintiff[.]” Dkt. 40 ¶ 5.

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Hunter Seaborn Mackenzie Black v. Robert J. Perrault, Jr. and The Florida Department of Financial Services, (M.D. Fla. 2026).

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