Jeffrey M. Polfuss v. Wisconsin Mutual Insurance Company

CourtCourt of Appeals of Wisconsin
DecidedJanuary 8, 2026
Docket2025AP001186
StatusUnpublished

This text of Jeffrey M. Polfuss v. Wisconsin Mutual Insurance Company (Jeffrey M. Polfuss v. Wisconsin Mutual Insurance Company) is published on Counsel Stack Legal Research, covering Court of Appeals of Wisconsin primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Jeffrey M. Polfuss v. Wisconsin Mutual Insurance Company, (Wis. Ct. App. 2026).

Opinion

COURT OF APPEALS DECISION NOTICE DATED AND FILED This opinion is subject to further editing. If published, the official version will appear in the bound volume of the Official Reports. January 8, 2026 A party may file with the Supreme Court a Samuel A. Christensen petition to review an adverse decision by the Clerk of Court of Appeals Court of Appeals. See WIS. STAT. § 808.10 and RULE 809.62.

Appeal No. 2025AP1186 Cir. Ct. No. 2023CV2059

STATE OF WISCONSIN IN COURT OF APPEALS DISTRICT IV

JEFFREY M. POLFUSS AND KAREN A. POLFUSS,

PLAINTIFFS-APPELLANTS,

NETWORK HEALTH PLAN,

INVOLUNTARY PLAINTIFF,

V.

WISCONSIN MUTUAL INSURANCE COMPANY AND CASSEE J. BUSCHKE,

DEFENDANTS-RESPONDENTS.

APPEAL from an order of the circuit court for Dane County: RHONDA L. LANFORD, Judge. Reversed and cause remanded.

Before Graham, P.J., Kloppenburg, and Taylor, JJ. No. 2025AP1186

¶1 GRAHAM, P.J. A dog owned by Cassee Buschke bit her neighbor, Jeffery Polfuss, after Polfuss opened a storm door to Buschke’s residence in an attempt to return an item that had been left at his home. Polfuss alleges that Buschke is liable under WIS. STAT. § 174.02 (2023-24),1 and he appeals the circuit court order that granted summary judgment in her favor. On appeal, Polfuss argues that the court erred when it determined that his claim is precluded as a matter of law based on the undisputed facts and the court’s analysis of the judicial public policy factors and our supreme court’s decision in Fandrey v. American Family Mutual Ins. Co., 2004 WI 62, 272 Wis. 2d 46, 680 N.W.2d 345. We agree and reverse the order granting summary judgment. As part of our analysis, we deny Buschke’s motion to strike portions of Polfuss’s reply brief.2

BACKGROUND

¶2 The following facts are derived from the pleadings, depositions, and interrogatories and are undisputed unless otherwise noted.

¶3 Buschke and Polfuss have lived next to each other for a number of years. Buschke’s children and Polfuss’s grandchildren often played together, both at Buschke’s house and at Polfuss’s house. It was not uncommon for Polfuss to walk over to the house to pick up his grandchildren. When doing so, Polfuss would go to the door at the back of the house, which is a storm door that opens into a mudroom. Through that door, which we refer to as the “mudroom door,” it

1 All references to the Wisconsin Statutes are to the 2023-24 version. 2 Polfuss’s wife is also a plaintiff-appellant, and Buschke’s insurer is a defendant- respondent. However, for simplicity, when referring to the parties we refer only to Polfuss and Buschke.

2 No. 2025AP1186

is possible to see into the mudroom and through a second door that opens into the kitchen.

¶4 Buschke owns a dog. Prior to the 2023 dog bite that is the subject of this appeal, there was an incident in 2022 in which the dog injured Polfuss when Polfuss was inside Buschke’s mudroom picking up his grandchildren.3 Polfuss was somewhat “leery” of the dog following the 2022 incident, but the parties continued to allow the children to play inside Buschke’s home when the dog was present.

¶5 The dog bite that is the subject of this appeal occurred in April 2023. That day, Buschke’s children and Polfuss’s grandchildren were playing together. At some point, the children took an ice pack from Buschke’s house in order to treat a scraped knee. Then, at a later point when the children were at Buschke’s house, Polfuss sought to return the ice pack. Polfuss approached the mudroom door, and he saw at least one of his granddaughters through the door.

¶6 The parties dispute where precisely in the kitchen Buschke was when Polfuss approached the mudroom door, whether Buschke was visible to

3 The parties dispute the nature and severity of the 2022 incident, but these disputes are not material to the public policy factors that are the subject of this appeal. With respect to the 2022 incident, Buschke stated that the dog “nipped” at Polfuss in defense after Polfuss closed the dog in a doorway and that Polfuss was bruised as a result, but Buschke does not “recall there being blood.” In contrast, Polfuss stated that the dog “came at” him when he entered Buschke’s home and bit him, breaking “the skin on [his] arm” and leaving a scar.

While this factual dispute is not material to our resolution of this appeal, it may be pertinent in the subsequent circuit court proceedings on damages, provided that Buschke is found liable for Polfuss’s 2023 injury. This is because WIS. STAT. § 174.02(1) provides a gradated liability scheme. In all cases the owner faces potential liability for “the full amount of damages,” § 174.02(1)(a), and potentially “for 2 times the full amount of damages … if the owner was notified or knew that the dog had previously, without provocation, bitten a person with sufficient force to break the skin and cause permanent physical scarring or disfigurement,” § 174.02(1)(b).

3 No. 2025AP1186

Polfuss at that time, and whether Buschke “acknowledged” Polfuss in some way. But what happened next is undisputed. Polfuss did not knock when he reached the mudroom door. He instead opened the door, saying “where’s the dog?” as he entered. Almost immediately, the dog ran up to Polfuss and bit his arm, resulting in a wound that required thirty stitches.

¶7 Polfuss filed this action against Buschke and her insurer. He claimed that Buschke is strictly liable under WIS. STAT. § 174.02(1), which is commonly referred to as the dog-bite statute.4 See § 174.02(1)(a) and (b) (“Subject to [WIS. STAT. §] 895.045 [which addresses contributory negligence] … the owner of a dog is liable for … damages caused by the dog injuring or causing injury to a person ….”). Buschke denied liability, alleging, among other things, that Polfuss’s injury was caused by his contributory negligence.

¶8 The case proceeded to discovery, where much of the focus was on the nature of the neighborly relationship between the Polfuss and Buschke families and the circumstances surrounding Polfuss’s entry into Buschke’s mudroom.

¶9 Polfuss stated as follows in his answer to an interrogatory. He and Buschke were “frequent visitors to each other’s homes,” and it was “common for each to stop over unannounced to pick up, drop off, or check in on one or more children.” Polfuss gave the following account of the moments immediately before he was bit:

4 Polfuss actually filed two claims under the dog-bite statute—one based on the 2022 incident and the second based on the 2023 incident that is the subject of this appeal—as well as a claim for defamation. The claims based on the 2022 incident and the claim for defamation were both dismissed and we discuss them no further.

4 No. 2025AP1186

I saw the [mudroom] door was closed, but the interior door was open through the kitchen. I saw my grandchildren playing with the other children. I could also see Ms. Buschke in the kitchen. I did not see the dog. Ms. Buschke acknowledged me from the inside and approached. I pulled the [mudroom] door open to meet her and asked her where the dog was. I reached my arm into the kitchen to hand her the icepack. The dog came from an unseen area and latched onto my right arm.5

¶10 Polfuss gave a similar account during his deposition, though he equivocated about some of the details. He did not appear to waiver from his assertion that he could see Buschke in the kitchen as he approached the mudroom door, but he did express some uncertainty about whether and how Buschke acknowledged him. Polfuss and Buschke’s counsel had the following exchange when counsel first asked about this topic:

Q: In your [i]nterrogatory answers—these are the questions that you answered in writing earlier in the case—you said Ms. Buschke acknowledged you from the inside and approached.

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Bluebook (online)
Jeffrey M. Polfuss v. Wisconsin Mutual Insurance Company, Counsel Stack Legal Research, https://law.counselstack.com/opinion/jeffrey-m-polfuss-v-wisconsin-mutual-insurance-company-wisctapp-2026.