Ronald A. Baker And Joyce Baker, Apps. v. Fireman's Fund Ins. Co., Res.

426 P.3d 776
CourtCourt of Appeals of Washington
DecidedSeptember 17, 2018
Docket76218-4
StatusPublished

This text of 426 P.3d 776 (Ronald A. Baker And Joyce Baker, Apps. v. Fireman's Fund Ins. Co., Res.) is published on Counsel Stack Legal Research, covering Court of Appeals of Washington primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Ronald A. Baker And Joyce Baker, Apps. v. Fireman's Fund Ins. Co., Res., 426 P.3d 776 (Wash. Ct. App. 2018).

Opinion

IN THE COURT OF APPEALS OF THE STATE OF WASHINGTON

RONALD A. BAKER, and JOYCE ) No. 76218-4-1 C) BAKER, husband and wife, ) c:2 (pc C ) .1r4 rn(=> Appellants/Cross-Respondents, ) rn -71 ) DIVISION ONE 7:1 v. ) Tr.-13 nrncj ) .ZC r- sp: FIREMAN'S FUND INSURANCE ) "Acit .• COMPANY; AMERICAN INSURANCE ) COMPANY, a member of the ) FIREMAN'S FUND INSURANCE ) COMPANIES; NORTH PACIFIC ) INSURANCE COMPANY; ) ONEBEACON INSURANCE ) COMPANY; RUBATINO REFUSE ) REMOVAL INC., a Washington ) corporation; BRUNSWICK ) CORPORATION, owner of ) BRUNSWICK FAMILY BOAT CO., INC.,) manufacturer of Bayliner boats; and ) SNOHOMISH COUNTY, a political ) subdivision of the State of Washington, ) PUBLISHED OPINION ) Respondents/Cross-Appellants. ) FILED: September 17, 2018 )

MANN, A.C.J. — Ronald and Joyce Baker filed suit against their insurance

companies, Fireman's Fund Insurance Company and American Insurance Company

(collectively Fireman's Fund)for breaching their duty to defend. The litigation ended in No. 76218-4-1/2

a settlement preserving the Bakers' claim for attorney fees for resolution by the trial

court. Using the lodestar method, and a 1.3 multiplier, the trial court awarded the

Bakers $1,209,757.25 for attorney fees and costs. The Bakers appeal and argue that

the trial court erred in (1)failing to make them whole under Olympic Steamship Co., v.

Centennial Ins. Co.,117 Wn.2d 37, 811 P.2d 673(1991),(2) excluding some of their

claimed fees, and (3) applying only a 1.3 multiplier to the lodestar. Fireman's Fund

cross appeals.1 Because the trial court acted well within its discretion, we affirm.

The Bakers owned and operated the Sisco Woodwaste Landfill (landfill) in

Snohomish County. The Bakers opened the landfill in 1978 and operated it for six years

Until 1984. The Bakers purchased insurance policies for the landfill from Fireman's

Fund covering the years between 1978 and 1986. The Bakers also purchased a three

year policy from North Pacific Insurance Company, the predecessor to OneBeacon

Insurance Company, in January 1986. OneBeacon cancelled this policy after only a

year.

The landfill received waste from a number of generators, including Snohomish

County and incinerator ash from a Boeing waste-to-energy facility. After the ash was

found to contain hazardous materials, the ash deliveries were stopped. In 1983, the

Washington Department of Ecology (Ecology)found that leachate had escaped from the

landfill. A year later, in 1984, the Snohomish Health District(SHD)suspended the

Bakers' operating permit and ordered the Bakers to stop operating the landfill.

1 Respondent/Cross-Appellants Fireman's Fund filed a motion to Strike Appellant/Cross- Respondent's Reply Brief. The motion is denied. -2- No. 76218-4-1/3

The landfill continued to be problematic after its closure. In August 2000, the

SHD directed the Bakers to respond to the leach ate problem and obtain a permit to

perform closure activities in accordance with the SHD sanitary code.

In October 2000, the Bakers contacted Fireman's Fund about insurance

coverage. Fireman's Fund responded and informed the Bakers that it had concluded

that some or all of the claims alleged may not be covered and "specifically reserve[d]

the right to assert any and all defenses to coverage." The letter informed the Bakers

that Fireman's Fund reserved the right to file a declaratory judgment action to determine

coverage and that it would seek reimbursement for all monies paid toward the defense

or representation if it was determined there was no coverage.

In May 2001, the SHD sued the Bakers alleging permit violations, violations of a

SHD order, and nuisance. The Bakers appeared pro se and did not retain counsel. A

default judgment was ultimately issued against the Bakers. The landfill was

subsequently identified on Ecology's hazardous sites list and ranked a "2" out of a scale

of 1 to 5 with 1 representing the highest level of concern.

In November 2005, Fireman's Fund changed its coverage determination and

agreed to participate in the "defense of claims asserted against [the Bakers] by the SHD

and DOE that the Landfill and adjacent property and/or associated groundwater are

contaminated." It agreed to provide this defense subject to a full reservation of its

rights. It also appointed Marten Law Group (Marten Law)to represent the Bakers.

In October 2006, Marten Law identified 12 waste generators and transporters

who, by disposing potentially hazardous waste at the landfill, may have been potentially

liable parties (PLPs). Marten Law identified several options for dealing with cleanup

-3- No. 76218-4-1/4

liability at the landfill including seeking contribution from the PLPs and settlement with

the Ecology and Snohomish County.

In May 2007, the Bakers retained Hackett Beecher & Hart(HBH)on a

contingency fee agreement. The contingency agreement required the Bakers to pay

HBH one-third of the "gross amount recovered." With HBH as their attorney, the Bakers

then filed suit against Fireman's Fund and one of the PLP's identified by Marten Law.

The Bakers alleged that Fireman's Fund (1) breached its contractual duties to

investigate, defend, and indemnify them for costs incurred under the Model Toxic

Control Act(MTCA)1,(2) acted negligently and in bad faith, and (3) engaged in unfair

claims settlement practices in violation of the Consumer Protection Act(CPA).2 In May

2008, Fireman's Fund agreed to the Bakers' request to fund legal action against the

PLPs using Marten Law.

In April 2009, after Fireman's Fund unsuccessfully moved to sever the Bakers'

insurance-related claims from claims against PLPs, the parties stipulated, at the trial

court's direction, that "actions or positions taken by [Fireman's Fund] in [its] own

defense as parties to this suit. . . shall not be used or referred to in any way in

connection with any of the causes of action [the Bakers] have asserted or will assert

against[Fireman's Fund]."

In December 2009, in an effort to avoid foreclosure, the Bakers asked Fireman's

Fund if it would pay the Bakers' outstanding property tax bill of $70,286.14. Fireman's

Fund agreed and promptly paid the bill.

1 Chapter 70.105D RCW. 2 Chapter 19.86RCW.

-4- No. 76218-4-1/5

From August 2010 until the summer of 2013, the Bakers' case against Fireman's

Fund was pending but inactive. This was because of the lengthy time periods

necessary to gather environmental data, present findings to Ecology, await the

Ecology's opinion, and then gather more data.

In July 2014, the court continued trial to March 2015 and ordered the parties to

mediate within 30 days of receiving Ecology's opinion on environmental remediation.

The parties received Ecology's opinion letter in December 2014, and began mediation

in January 2015.

Over the course of three mediation sessions, the parties resolved their disputes.

The first settlement agreement resolved the disputes over the landfill remediation

between the Bakers, Snohomish County, and two PLPs. Under this settlement,

Snohomish County agreed to take ownership and full responsibility for remediating the

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