Jerry Harris and Elnora Harris v. Union National Fire Insurance Company

CourtLouisiana Court of Appeal
DecidedJanuary 15, 2020
Docket2019CA0443
StatusUnknown

This text of Jerry Harris and Elnora Harris v. Union National Fire Insurance Company (Jerry Harris and Elnora Harris v. Union National Fire Insurance Company) is published on Counsel Stack Legal Research, covering Louisiana Court of Appeal primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Jerry Harris and Elnora Harris v. Union National Fire Insurance Company, (La. Ct. App. 2020).

Opinion

STATE OF LOUISIANA

COURT OF APPEAL

FIRST CIRCUIT

NO. 2019 CA 0443

JERRY HARRIS AND ELNORA HARRIS

VERSUS

U ON NATIONAL FIRE INSURANCE COMPANY

t Judgment Rendered: `. JAN 1 5 ? 070

Appealed from the 21" District Court r ; In and for the Parish of Livingston s State of Louisiana Docket No. 136690

Honorable Jeffrey S. Johnson, Judge Presiding

Hobart O. Pardue, Jr. Counsel for Plaintiffs/ Appellees Springfield, Louisiana Jerry Harris and Elnora Harris

Christopher A. D' Amour Counsel for Defendant/Appellant Martin A. Stern Union National Fire Insurance Sara C. Valentine Company New Orleans, Louisiana

BEFORE: HIGGINBOTHAM, PENZATO, AND LANIER, JJ. Lanier, J.

In this case, defendant, Union National Fire Insurance Company (" Union National"), challenges the district court' s judgment awarding plaintiffs, Jerry and Elnora Harris (" Harrises"), over $ 63, 000. 00 in general and special damages,

attorney fees, and statutory penalties, together with legal interest and court costs,

following a hearing on the Harrises' rule for contempt against Union National for

failure to pay a settlement. For the following reasons, we affinn in part, vacate in

part, find Union National in contempt of court, and remand with instructions.

FACTS AND PROCEDURAL HISTORY

At the heart of this appeal is a dispute over insurance proceeds. In April

2011, a fire destroyed the Harrises' home. The Harrises originally filed suit against

Union National, seeking payment of the policy limits, penalties, and attorney fees. They later amended the suit to include the companies owning a mortgage interest on the home.'

Union National answered the suit, generally denying the allegations therein.

Thereafter, Union National moved for summary judgment on the basis that Union

National had timely paid out the proceeds of the insurance policy in accordance

with the terms of the policy. Union National argued that it had fulfilled its

obligations under the policy by tendering a check for the full policy limits jointly

to the Harrises and the mortgagee of the property, but that the check had never

been negotiated. Following a May 12, 2014 hearing on Union National' s motion,

the district court rendered judgment on June 10, 2014, granting Union National' s

summary judgment motion and dismissing Union National, with prejudice. The

1 These companies, the Bank of New York Mellon Successor to J P Morgan Chase Bank, as Trustee for the Registered Holder of Novastar Mortgage Funding Trust Series 2003- 3 Novastar Home Equity Loan Asset -Backed Certificates, Series 2003- 3 and Ocwen Loan Services, LLC, have since been dismissed, with prejudice, from this matter and are not parties to the instant appeal.

4 judgment further provided that Union National would deposit $ 40, 000. 00 into the

registry of the court.'-

In March 2017, the Harrises filed a Rule for Contempt for Failure to Pay

Settlement, alleging that Union National was liable to them for not only damages, but also penalties, attorney fees, and costs for Union National' s breach of the

imposed duty of good faith and fair dealing pursuant to La. R.S. 22: 1973( B)( 2) and C), because Union National failed to pay the previously agreed to settlement 3 within thirty days after the agreement was reduced to writing. In said rule, the

Harrises allege that Union National had agreed to settle its portion of this matter in

June 2014 by depositing $ 40, 000.00 into the registry of the court and that " a

written judgment was filed into the record the settlement memorializing

agreement." According to the Harrises, prior to filing the rule for contempt, they

We note that the Honorable Wayne Ray Chutz was the presiding judge at the May 12, 2014 hearing and the judge who signed the June 10, 2014 judgment.

3 Louisiana Revised Statutes 22: 1973 provides, in pertinent part, as follows:

A. An insurer, including but not limited to a foreign line and surplus line insurer, owes to his insured a duty of good faith and fair dealing. The insurer has an affirmative duty to adjust claims fairly and promptly and to make a reasonable effort to settle claims with the insured or the claimant, or both. Any insurer who breaches these duties shall be liable for any damages sustained as a result of the breach.

B. Any one of the following acts, if knowingly committed or performed by an insurer, constitutes a breach of the insurer' s duties imposed in Subsection A of this Section:

2) Failing to pay a settlement within thirty days after an agreement is reduced to writing.

C. In addition to any general or special damages to which a claimant is entitled for breach of the imposed duty, the claimant may be awarded penalties assessed against the insurer in an amount not to exceed two times the damages sustained or five thousand dollars, whichever is greater. Such penalties, if awarded, shall not be used by the insurer in computing either past or prospective loss experience for the purpose of setting rates or making rate filings.

3 sent a demand letter to Union National on March 29, 2017, to no avail, offering to

accept $ 40, 000. 00 plus interest to resolve the dispute.

In response, Union National filed an exception raising the objection of no

cause of action, arguing that it was no longer a party to the case as it was dismissed

from the case, with prejudice. Moreover, Union. National argued that it had no

obligation to place the funds in the court's registry, but it did so to gain dismissal

from the case while in its infancy. Union National further noted that although it

sent the $ 40, 000. 00 check to the clerk of court, it was apparently never deposited

because the check became stale. However, Union National maintained that upon

learning this information, a new check was deposited into the registry of the court.

Union National also argued that there was no settlement between the parties as

argued by the Harrises, but rather simply an order by the court that Union National

deposit the funds into the registry of the court. Thus, Union National asserted La.

R.S. 22: 1973( B) had no application to this case.'

The Harrises' rule proceeded to hearing on July 17, 2017, at which time the

district court,heard arguments from counsel and testimony from a representative of the Livingston Parish Cleric of Court's office. The district court took the matter

under advisement. Thereafter, on November 3, 2017, the district court issued

written reasons for judgment, finding in favor of the Harrises. A judgment

submitted by counsel for the Harrises was signed by the district court on November

17, 2017, but said judgment did. not contain the appropriate decretal language, nor

did it accurately reflect the damages awarded. Accordingly, Union National filed a

motion for new trial, which was subsequently granted. The district court entered a

new judgment on November 27, 201.8, as follows:

4 Although not included in the judgment on appeal and not an issue before us on review, we note that the district court denied Union National's exception raising the objection of no cause of action after argument by counsel.

S IT IS HEREBY ORDERED, ADJUDGED, AND DECREED that the Plaintiffs have judgment against Defendant Union National Fire Insurance Company in the amount of $ 15, 000. 00 as general damages; special damages for loss of judicial interest in the amount of 4, 545. 75, plus legal interest from April 6, 2017.

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