Roger Reeves, Susan Fullerton, Henry Gregory, Rodney Broadway, Anita Darbonne and Ray Powell v. Explo Systems, Inc. and Crum & Forster Specialty Insurance Company

CourtLouisiana Court of Appeal
DecidedMarch 4, 2020
Docket53,219-CA
StatusPublished

This text of Roger Reeves, Susan Fullerton, Henry Gregory, Rodney Broadway, Anita Darbonne and Ray Powell v. Explo Systems, Inc. and Crum & Forster Specialty Insurance Company (Roger Reeves, Susan Fullerton, Henry Gregory, Rodney Broadway, Anita Darbonne and Ray Powell v. Explo Systems, Inc. and Crum & Forster Specialty 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
Roger Reeves, Susan Fullerton, Henry Gregory, Rodney Broadway, Anita Darbonne and Ray Powell v. Explo Systems, Inc. and Crum & Forster Specialty Insurance Company, (La. Ct. App. 2020).

Opinion

Judgment rendered March 4, 2020. Application for rehearing may be filed within the delay allowed by Art. 2166, La. C.C.P.

No. 53,219-CA

COURT OF APPEAL SECOND CIRCUIT STATE OF LOUISIANA

*****

ROGER REEVES, SUSAN Plaintiffs-Appellees FULLERTON, HENRY GREGORY, RODNEY BROADWAY, ANITA DARBONNE AND RAY POWELL

versus

EXPLO SYSTEMS, INC. AND Defendants-Appellants CRUM & FORSTER SPECIALTY INSURANCE COMPANY

Appealed from the Twenty-Sixth Judicial District Court for the Parish of Webster, Louisiana Trial Court No. 72717

Honorable Michael Craig, Judge

THOMPSON COE COUSINS & IRONS Counsel for Appellant, By: Christina Anne Culver Crum & Forster Kevin Risley Specialty Insurance Brian S. Martin Company

WEEMS SCHIMPF HAINES ET AL. By: Carey Thomas Schimpf LAW OFFICE OF KYLE M. ROBINSON Counsel for Appellees By: Kyle M. Robinson

STEVE IRVING, LLC By: Stephen Miller Irving

GATTI & MERCKLE By: Ryan Eugene Gatti Emily Settle Merckle

Before GARRETT, STONE, and STEPHENS, JJ. GARRETT, J.

The defendant, Crum & Forster Specialty Insurance Company

(“C&F”), the insurer of Explo Systems, Inc. (“Explo”), appeals from a trial

court judgment certifying a class action arising from an explosion that

occurred near Minden, Louisiana, in October 2012, and a later voluntary

evacuation of Doyline, Louisiana, which was unrelated to the explosion. For

the following reasons, we reverse the trial court judgment.

FACTS

Explo was in the business of disassembling munitions. It stored

various explosives at Camp Minden, which is located near the towns of

Minden and Doyline in Webster Parish. Around midnight on October 15,

2012, some of the materials ignited, causing a large explosion that was felt

and heard for miles around the area. Some windows were broken in

downtown Minden and some residents reported minor property damage.

In the course of investigating the blast, it was discovered that Explo

was improperly storing millions of pounds of explosives. Local authorities

suggested a voluntary evacuation of the Doyline area from November 30,

2012, to December 7, 2012.

On November 29, 2012, Susan Fullerton and Henry Gregory,

residents of Doyline, filed a class action petition for damages, claiming

physical, mental, and emotional injuries, fear, fright, discomfort and serious

inconvenience, diminished property value, other economic damages to

property, and loss of enjoyment of property. The petition stated that this was

a class action filed on behalf of the named plaintiffs, individually and on

behalf of all similarly situated individuals who fell into the following

described class: All persons and entities located or residing in, owning or leasing places of business or property in, and/or operating businesses within the geographic area of the October 15, 2012 explosion or within the November 29, 2012 evacuation area, who claim, claimed, and/or could claim that they suffered any damages, including fear, fright, discomfort, inconvenience, physical, mental and/or emotional damages, exposure or fear of exposure, bodily and/or personal injury, loss, property damage, and/or other damage under any theory of recovery, from the explosion and unsafe storage of explosives that occurred in 2012 in Webster Parish, Louisiana, and/or the resulting release, including the presence, migration, and/or dispersion of any toxic and/or noxious substance from the explosion and unsafe storage of explosives.

The petition specified that the class was located in the geographic area

of Webster Parish, including all residences, business establishments, and

property located within a 15-mile radius from the explosive storage facility.

The petition was subsequently amended four times to include as

plaintiffs and suggested representatives of the class Rodney Broadway,

Anita Darbonne, Ray Powell, and Roger Reeves, in addition to Fullerton and

Gregory. C&F, an insurer of Explo, was added as a defendant. The

plaintiffs asserted that Explo and C&F were in solido obligors.1

In its answers to the amended petitions, C&F denied being a solidary

obligor with Explo and denied liability under the policy. C&F asserted that

it had filed a suit for declaratory judgment in federal court to have Explo’s

policy rescinded and declared void ab initio because Explo made material

misrepresentations concerning how it stored the explosives. C&F reserved

the right to move for a stay until the coverage issues were resolved.

1 The case was originally captioned “Susan Fullerton, et al. v. Explo Systems, Inc.” In the third supplemental and amended class action petition, the plaintiffs asserted that they wished to amend the caption to read: Roger Reeves, Susan Fullerton, Henry Gregory, Rodney Broadway, Anita Darbonne and Ray Powell v. Explo Systems, Inc. and Crum & Forster Specialty Insurance Company. 2 C&F also argued that the plaintiffs had not met the requirements of

La. C.C.P. art. 591 for certification of a class action. Those requirements are

numerosity, commonality, typicality, adequate representation, and a

definable class. In addition, the plaintiffs were required to show that

common issues of law or fact predominate over any questions affecting only

individual members, and that a class action is superior to other available

methods for the fair and efficient adjudication of the controversy.

In February 2013, the plaintiffs filed a motion for class action

certification, requesting that the trial court certify the class of plaintiffs for

prosecution of claims against the defendants. They claimed that the class

would contain more than 300 people. They sought to have the class include

all persons in the blast zone; all persons who suffered property damages as a

result of the explosion, including diminution of the value of property; all

businesses and business owners who suffered financial losses as a result of

the explosion and evacuation; those who were evacuated from November 30,

2012, to December 7, 2012; and all persons present at the Louisiana Army

Ammunition Plant when the explosion occurred, or who were considered to

be in the blast zone at the time of the explosion, who suffered personal

injury or property damages. The defendants asserted that the class was

defined as follows:

All persons, firms, businesses, or other entities whose person or property suffered harms and losses as a result of the October 15, 2012 explosion or the subsequent evacuation.

C&F opposed the motion for class certification, arguing that the

identification of class members was vague and poorly defined, there was a

fatal inconsistency between those harmed by the explosion and those

affected by the evacuation, and there could not be recovery for mental 3 anguish without physical injury or other special circumstances not present

here.

No determination was made at that time regarding class action

certification due to extensive and prolonged proceedings in bankruptcy court

and in federal court.2

In March 2018, the plaintiffs filed a second motion for class

certification. C&F again opposed the motion, arguing that the plaintiffs

sought recovery for two separate events, the explosion and the evacuation.

The plaintiffs argued that the common issue was whether there was

insurance coverage for the explosion and the evacuation. According to the

2 At some point in the proceedings, Explo filed for bankruptcy and an automatic stay of the proceedings was entered.

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Roger Reeves, Susan Fullerton, Henry Gregory, Rodney Broadway, Anita Darbonne and Ray Powell v. Explo Systems, Inc. and Crum & Forster Specialty Insurance Company, Counsel Stack Legal Research, https://law.counselstack.com/opinion/roger-reeves-susan-fullerton-henry-gregory-rodney-broadway-anita-lactapp-2020.