Rosemary Brody v. Nicholas Santoro

New Jersey Superior Court Appellate Division·Decided August 4, 2026·No. A-0209-24/A-0297-24·Unpublished

Opinion

NOT FOR PUBLICATION WITHOUT THE APPROVAL OF THE APPELLATE DIVISION This opinion shall not "constitute precedent or be binding upon any court." Although it is posted on the internet, this opinion is binding only on the parties in the case and its use in other cases is limited . R. 1:36-3.

SUPERIOR COURT OF NEW JERSEY APPELLATE DIVISION DOCKET NOS. A-0209-24 A-0297-24

ROSEMARY BRODY,

Plaintiff-Appellant,

v.

NICHOLAS SANTORO, CEI CONTRACTORS, SOLEIL SOTHEBYS INTERNATIONAL REALTY, and TROY ROSENZWEIG,

Defendants,

and

NICHOLAS SANTORO,

Third-Party Plaintiff- Respondent,

v.

RE/MAX PLATINUM PROPERTIES, LINDA NOVELLI, FUNK INSPECTION SERVICES, INC., and BRUCE FUNK,

Third-Party Defendants. __________________________________ ROSEMARY BRODY,

Plaintiff-Respondent,

v.

NICHOLAS SANTORO, CEI CONTRACTORS, SOLEIL SOTHEBYS INTERNATIONAL REALTY, and TROY ROSENZWEIG,

Defendants,

and

NICHOLAS SANTORO,

Third-Party Plaintiff- Appellant,

v.

RE/MAX PLATINUM PROPERTIES, LINDA NOVELLI, FUNK INSPECTION SERVICES, INC., and BRUCE FUNK,

Third-Party Defendants. __________________________________

Argued (A-0209-24) and Submitted (A-0297-24) October 21, 2025 – Decided August 4, 2026

Before Judges Gooden Brown and DeAlmeida.

On appeal from the Superior Court of New Jersey, Law Division, Atlantic County, Docket No. L-0324-19.

A-0209-24 2 Daniel J. Gallagher argued the cause for Rosemary Brody, appellant in A-0209-24 and respondent in A- 0297-24.

Carmen M. Finegan (Carmen M. Finegan, LLC) argued the cause for Nicholas Santoro, respondent in A-0209- 24 and appellant in A-0297-24.

These appeals, which we consolidate for purposes of issuing a single

opinion, arise from a Law Division jury verdict of no cause of action on the

breach of contract claim plaintiff Rosemary Brody alleged against defendant

Nicholas Santoro relating to her purchase of residential real property. Plaintiff

appeals from the July 2, 2024 order dismissing her complaint with prejudice

after entry of the jury verdict, and the July 19, 2024 order denying her post-trial

motion for sanctions. Defendant appeals from the August 16, 2024 order

denying his post-trial motion for attorney's fees and costs pursuant to Rule 1:4-

8 and the Frivolous Litigation Act (FLA), N.J.S.A. 2A:15-59.1. We affirm.

I.

In 2005, defendant hired a contractor to construct a bayside residence in

Ventnor City. A certificate of occupancy was issued for the new home in 2007.

A-0209-24 3 In 2011, the property was damaged by a storm. Defendant filed an

insurance claim for the damage. According to defendant, he used the proceeds

from the claim to repair the property.

On October 29, 2012, the interior of the home suffered water damage

during Superstorm Sandy. Defendant filed a claim with his insurance carrier,

Lloyd's of London (Lloyd's), alleging over $271,000 in damages, which

included replacement of all subfloors because of water damage. After obtaining

an expert report (the SEA report), Lloyd's denied the claim based on its

conclusion that although the home was water damaged, most of the damage was

caused by continuous leaks from long-term structural deficiencies arising during

construction of the property, and not from Superstorm Sandy.

On October 23, 2013, defendant filed suit against Lloyd's in the Law

Division contesting the denial of his claim. On February 12, 2015, arbitrators

awarded defendant $48,575. He rejected the arbitration award and sought a trial

de novo. On July 17, 2015, after Lloyd's made an offer of judgment of $60,000,

the matter settled. In November 2015, defendant hired a contractor to replace

the roof of the residence, but did not repair the water-damaged subfloors.

Shortly thereafter, defendant listed the property for sale. At the time, he

signed a seller's property condition disclosure statement indicating the roof was

A-0209-24 4 recently replaced due to damage from Superstorm Sandy and there were no other

material defects to the property.

On August 23, 2016, plaintiff, an experienced real estate agent, signed a

contract in which she agreed to purchase the property for $1,150,000. At no

time prior to execution of the sales contract did defendant inform plaintiff there

had been damage to the property caused by long-term leaking and water

penetration, or that he sued Lloyd's over its denial of his claim for water-related

damage to the subflooring he claimed was caused by Superstorm Sandy.

Plaintiff understood the importance of obtaining an inspection before

purchasing residential real estate. She always recommended her clients obtain

a property inspection before purchasing a home. Plaintiff once terminated a

residential real estate contract based on the results of a home inspection.

On August 31, 2016, plaintiff received a property inspection report

prepared by defendant Bruce Funk. The report, which was based on Funk 's

visual inspection of the property, identified potential problems with the stucco

on the exterior of the home. The expert noted he was unable to determine if

water had intruded into the home based only on his visual inspection and

recommended plaintiff obtain a moisture intrusion analysis of the residence.

Plaintiff elected not to obtain a moisture intrusion analysis.

A-0209-24 5 On November 9, 2016, the parties closed on the sale of the property.

Plaintiff thereafter moved into the residence. A short time later, plaintiff

experienced water leakage and detected water damage to the home. A contractor

repairing a pipe removed flooring and noticed the second-floor subflooring was

rotted from long-term water damage and covered in mold. Plaintiff suspected

defendant knew of the extensive water damage, which he failed to reveal at the

time of the sale.

Because of a leaky shower, plaintiff's daughter moved from a first-floor

bedroom to a second-floor bedroom that had not previously been occupied by

plaintiff's family. While preparing the room, she discovered documents,

including the adjuster's report on which defendant relied in support of his claim

with Lloyd's, the transcripts of defendant's deposition regarding the substantial

water damage he claimed was caused by Superstorm Sandy, the SEA report

obtained by Lloyd's highlighting long-term water damage from negligent

construction of the home, and the pleadings in defendant's legal challenge to the

denial of his claim. The origin of these documents and their admissibility as

evidence were a source of contention between the parties.

Plaintiff claimed defendant inadvertently left the documents, which were

intermingled with personal information and photos of defendant's family, when

A-0209-24 6 he vacated the home. She argued the documents establish defendant was aware

of the extensive water damage to the subfloors of the residence, which he

intentionally concealed at the time of the sale. Defendant denied knowledge of

the documents and the long-term water damage to the home. He argued the

Lloyd's claim was handled by an adjustor who did not share the details of the

claim with him. Defendant admitted leaving appliance manuals, warranties, a

list of contractors, a manual for a boat plaintiff purchased from him, and similar

materials in a box in the first-floor kitchen, but denied leaving documents in the

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