Michael Mitchell v. USAA General Indemnity Company

CourtCourt of Appeals of Texas
DecidedFebruary 27, 2025
Docket09-23-00042-CV
StatusPublished

This text of Michael Mitchell v. USAA General Indemnity Company (Michael Mitchell v. USAA General Indemnity Company) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Michael Mitchell v. USAA General Indemnity Company, (Tex. Ct. App. 2025).

Opinion

In The

Court of Appeals

Ninth District of Texas at Beaumont

________________

NO. 09-23-00042-CV ________________

MICHAEL MITCHELL, Appellant

V.

USAA GENERAL INDEMNITY COMPANY, Appellee

________________________________________________________________________

On Appeal from the 172nd District Court Jefferson County, Texas Trial Cause No. E-207,383 ________________________________________________________________________

MEMORANDUM OPINION

Michael Mitchell (“Mitchell” or “Plaintiff”) sued USAA General Indemnity

Company (“USAA” or “USAA GIC”), his homeowners insurance company, seeking

additional compensation for damage allegedly resulting from an explosion at a

nearby chemical plant. After Mitchell failed to comply with USAA’s discovery

requests and misrepresented information to the trial court, the trial court struck

Mitchell’s pleadings and dismissed the case with prejudice. Mitchell appeals the

1 dismissal, contending that this sanction was not authorized under applicable case

law, as it was unduly severe in light of the conduct it addressed. We affirm the trial

court’s Order of Dismissal with Prejudice.

BACKGROUND

In November 2019, there was an explosion at the TPC chemical facility in

Port Neches that allegedly damaged multiple buildings in the area, including

Mitchell’s home. After discussions between Mitchell’s attorney’s office and USAA

reached an impasse, Mitchell filed suit. We summarize the proceedings below.

The Policy

The parties do not dispute that USAA insured Mitchell’s home on November

27, 2019, the date of the explosion. The policy provided the following maximum

coverage limits: (1) $137,000 for the house; (2) $13,700 for other structures; (3)

$102,750 for Mitchell’s personal property; and (4) $27,400 for loss of use. It carried

a $1,000 deductible for losses other than wind and hail. The policy also contained

several terminology definitions, policy endorsements, conditions, coverage

explanations, and coverage exclusions. The policy provisions pertinent to this case

include:

“Actual cash value” is calculated as the amount it would cost to repair or replace covered property, at the time of loss or damage, with material of like kind and quality, subject to a deduction for obsolescence and a “deduction for depreciation”.

2 For property covered under Coverage A - Dwelling Protection or Coverage B – Other Structures Protection, the deduction will be based on the age and condition of the materials making up the damaged property and will apply to materials, labor, sales tax, and overhead and profit that are included in the cost to repair or replace the damaged property.

[] Dwelling Protection Coverage[:]

We insure against “sudden and accidental”, direct, physical loss to tangible property described in PROPERTY WE COVER – Coverages A [dwelling] and B [other structures] unless excluded in Section I – LOSSES WE DO NOT COVER.

[] LOSSES WE DO NOT COVER[:]

2.a. Weather Conditions which include but is not limited to heat, cold, humidity, rain, ice, snow, sleet, wind, hail or drought. However, this exclusion only applies if weather conditions contribute in any way with a cause or event excluded in LOSSES WE DO NOT COVER UNDER DWELLING PROTECTION, OTHER STRUCTURES PROTECTION AND PERSONAL PROPERTY PROTECTION item 1. above to produce the loss.

[Insured’s] Duties After Loss[:]

a. Promptly notify us or our agent about the loss. This policy will not provide any coverage for your loss if you fail to notify us about the loss within one year after the loss actually occurs unless good cause can be shown by you or the person filing the claim;

e. Cooperate with us in the investigation of a claim;

g. As often as we reasonably require:

(1) Show the damaged property: (2) Provide us with records and documents we request and permit us to make copies; and

3 (3) Submit to and sign, while not in the presence of any other “insured” other than a minor, who must have a parent or guardian present

(a) Statements; and (b) Examinations under oath;

Suits Against USAA:

10. Suit Against Us. No action can be brought against us unless you have: a. Given us notice of the loss; b. Complied with all other policy provisions; and c. Started action before the earlier of: (1) two years from the date we accept or reject the claim, or (2) three years from the date of loss that is the subject of the claim.

[] Appraisal[:] If you and we fail to agree on the amount of loss, either may demand an appraisal of the loss. In this event, each party will choose a competent and impartial appraiser within 20 days after receiving a written request from the other. The two appraisers will choose an umpire. If they cannot agree upon an umpire within 15 days, you or we may request that the choice be made by a judge of a court of record in the state where the “residence premises” is located. The appraisers will separately set the amount of the loss. If the appraisers submit a written report of an agreement to us, the amount agreed upon will be the amount of the loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will set the amount of the loss.

Each party will:

a. Pay its own appraiser; and b. Bear the other expense of the appraisal and umpire equally.

Any fees for expert witnesses or attorneys will be paid by the party who hires them. Neither the umpire nor the appraisers will have a financial

4 interest that is conditioned on the outcome of the specific matter for which they are called to serve.

This is not a provision providing for or requiring arbitration. The appraisers and umpire are only authorized to determine the “actual cash value”, replacement cost, or cost to repair the property that is the subject of the claim. They are not authorized to determine coverage, exclusions, conditions, forfeiture provisions, conditions precedent, or any other contractual issues that may exist between you and us. The appraisal award cannot be used by either you or us in any proceeding concerning coverage, exclusions, forfeiture provisions, conditions precedent, or other contractual issues. However, once contractual liability is admitted or determined, the appraisal award is binding upon you and us. This appraisal process and authority granted to the appraisers and the umpire can only be expanded and modified by written mutual consent signed by you and us.

Pretrial Events

Eric Dick (“Dick”), Plaintiff’s attorney, sent USAA a letter of representation

dated August 24, 2020. In his letter, Dick directed USAA to communicate through

him, rather than directly with Mitchell, to include his firm as a payee on any payment

issued on the claim and requested a copy of the policy. Dick also indicated that, if

applicable, he intended “to invoke appraisal pursuant to the terms and conditions of

the insurance policy at issue[,]” and stated that he would “outline [his] client’s

disputes as to the amount of loss and designate an appraiser in a separate letter.”

USAA responded on September 3, 2020, acknowledging Dick’s representation and

providing the adjuster’s name and contact information, noting that USAA was

awaiting the inspection. On September 9, 2020, USAA again provided the adjuster’s

name and contact information, requesting that personnel with Dick’s firm contact 5 the adjuster to schedule the inspection. By that date, however, Dick’s firm had

retained Quantum Claim Consulting Services (“Quantum”) to evaluate Mitchell’s

property, and Quantum did so on September 5, 2020.

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Moritz v. Preiss
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837 S.W.2d 848 (Court of Appeals of Texas, 1992)

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Michael Mitchell v. USAA General Indemnity Company, Counsel Stack Legal Research, https://law.counselstack.com/opinion/michael-mitchell-v-usaa-general-indemnity-company-texapp-2025.