Sheffield v. State Farm Fire & Casualty Co.

165 F. Supp. 3d 1375, 2016 WL 754909, 2016 U.S. Dist. LEXIS 22579
CourtDistrict Court, S.D. Georgia
DecidedFebruary 24, 2016
DocketCV 514-38
StatusPublished

This text of 165 F. Supp. 3d 1375 (Sheffield v. State Farm Fire & Casualty Co.) is published on Counsel Stack Legal Research, covering District Court, S.D. Georgia primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Sheffield v. State Farm Fire & Casualty Co., 165 F. Supp. 3d 1375, 2016 WL 754909, 2016 U.S. Dist. LEXIS 22579 (S.D. Ga. 2016).

Opinion

ORDER

LISA GODBEY WOOD, CHIEF JUDGE

On January 18, 2013, Plaintiff Larue Sheffield (“Plaintiff’) arrived at his home in Broxton, Georgia, to find his house on fire and his wife missing. Shortly thereafter, Plaintiff learned that his wife had been murdered in their home prior to the fire. Plaintiff then submitted a claim with State Farm Fire and Casualty Company (“SFF”) and State Farm Mutual Automobile Insurance (“SFM”) (collectively, “Defendants”) to collect the proceeds due to him pursuant to the terms of his insurance contract. Defendants, however, refused to pay Plaintiffs claim, alleging that they have reason to believe that Plaintiff killed his wife and intentionally ignited the fire, given the circumstances surrounding her death and the subsequent blaze. See generally Dkt. No. 89-1.

Notwithstanding Defendants’ suspicions regarding matters in Plaintiffs personal [1377]*1377life, Defendants contend that this Court should grant their partial motion for Summary Judgment because Plaintiff failed to: (1) properly plead his claims of fraud; (2) sufficiently support his claim of conspiracy; and (3) adequately demonstrate that Defendants acted in bad faith. Id. In response, Plaintiff alleges that Defendants are impermissibly prying into his personal life and that Defendants epitomize bad faith by refusing to honor the terms of their insurance agreement. See generally Dkt. No. 95.1 Now pending before the Court is Defendants’ Partial Motion for Summary Judgment (Dkt. No. 89-1) which the Court GRANTS in its entirety.

FACTUAL BACKGROUND

I. Plaintiffs Home and Marriage

Plaintiff and his wife, Edith Sheffield (“Mrs. Sheffield”), were married in 1984. Dkt. No. 96 ¶ 64. Plaintiff owns a large plot of land, of at least sixteen acres, where many of his family members live. Dkt. No. 89-12, 13:7-25. Plaintiffs mother, Faye Sheffield, lives next door to Plaintiff, id. at 56:10-12, and his sister, Dawn Wright, lives across the street with her family, id. at 52:23.2 Adjacent to Plaintiffs home at 10817 Bowens Mill Road is a plot of land that Plaintiff purchased from his uncle, which now holds a mobile home. Id. at 13:5-18.

Originally, Plaintiff and his wife resided in a “single-wide mobile home” before Plaintiff built their house at 10817 Bowens Mill Road. Id. at 56:3-25. The house sat on a pond and featured a back porch that was approximately ten feet by thirty feet, in addition to a pool off to the left of the porch. Id. at 92:21-92:6. Shortly after building his home, Plaintiff purchased two different insurance policies from Defendants — a homeowners insurance policy and a motorcycle insurance policy. Dkt. No. 89-2 ¶¶ 3-4.3 Plaintiff insured his home for $182,600, dkt. no. 89-3, p.l, a reduction from a prior, higher amount of $243,600, dkt. no. 95-2, p. 1. Plaintiff insured his 2005 Yamaha Road Start Motorcycle (VIN: JYAVP14E75A010227) through SFM for $25,000. Dkt. No. 89-2 ¶ 4; Dkt. No. 89-4, p. 1.

Plaintiff purchased the mobile home that sat adjacent to his house for his son and his wife to live in when they were married. Dkt. No. 89-12, 12:5-17. Plaintiffs son and his family lived in the mobile home for “approximately three years” until the family moved out in 2010. Id. at 12:19-25. After Plaintiffs son moved to Orlando, Florida, Plaintiffs friend, Courtney Hersey (“Hersey”), and her husband planned to live in the mobile home, rent-free, for approximately one month beginning in the latter half of January, 2013. Id. at 12:19-25, 125:11-126:11. Hersey did not have a formal lease with Plaintiff or his wife, and Hersey denied conclusively establishing that she intended to live at the Sheffields’ [1378]*1378mobile home during the relevant time period. Dkt. No. 89-18,19:8-20:12.

II. The Events of January 18, 2013

a.Plaintiffs Arrival at the House

Plaintiff describes his time leading up to the death of his wife as follows. On Friday, January 18, 2013, Plaintiff arrived home from work while it was still light outside “around 6:00 to 6:05” p.m. Dkt. No. 89-12, 125:7,126:25. Plaintiff and his wife planned to drive to Orlando, Florida, that night to visit their son and his family. Id. at 149:5-15. At approximately 6:02 p.m., Plaintiff was turning into his driveway when he received a phone call from his wife. Id. at 132:5-17. Rather than continuing to his house after a day at work doing general repairs, Plaintiff instead drove to the mobile home. Id. at 126:17-128:8. He knew that he did not need to go home to pack because his wife always packed for him. Id. at 149:18-23, 150:15-20. Plaintiff would have noticed if smoke was emanating from his house — and at the time of his arrival at his land, his house was smoke-free. Id. at 126:15-23.

The mobile home, which Plaintiff intended to spruce up, had sat empty since his son and his family had moved out, approximately seventeen months earlier. Id. at 125:7-10. Plaintiff never made repairs to the mobile home prior to the evening of January 18, 2013, yet he chose that evening to drive to the mobile home to survey what work needed to be completed prior to anyone moving in. Id. at 128:4-11. Specifically, Plaintiff “moved a pile of trash that [his son] had left in the middle of the floor. [He] cut out some holes where the sheet-rock was damaged, and [he] was [ ] cutting one of the holes when [he] got the call” that his house was on fire. Id. at 128:20-23. Plaintiff, who performs general repairs for a living, always works with his radio on. Id. at 14 6:23-25, 149:18-23. He did not hear anything unusual outside of the mobile home while he was working. Id. at 146:12-25.

b. Mrs. Sheffield’s Arrival at the House

Mrs. Sheffield told Plaintiff that she was running late leaving the bank and that she was on her way home. Id. at 125:7-10, 132:16-22. During their brief conversation, Plaintiff and his wife did not discuss their upcoming trip to Orlando. Id. at 151:18. After hanging up with her husband, Mrs. Sheffield called her cousin at 6:04 p.m. while she drove down Manila Avenue in Douglas, Georgia, which was along her normal route to her house. Id. at 140:18-141:15. That day, Mrs. Sheffield wore dark jeans and a patterned shirt, set off by a matching yellow jewelry set consisting of a necklace, earrings, and a ring. Dkt. No. 89-21, pp. 3-4. In her purse, she carried approximately $1,463.71 in cash. Dkt. No. 89-16, p. 5. Based on the location of Mrs. Sheffield’s cell phone when she called her cousin, and assuming that she drove at normal speeds, it would have been impossible for her to arrive at her house before 6:19 or 6:20 p.m. Dkt. No. 89-12, 140:18-141:15.

c. The Discovery of Fire at Plaintiffs House

The Coffee County Fire Department was notified of the fire at Plaintiffs home at approximately 6:40 p.m. Dkt. No. 89-19, p. 3. A neighbor, Mark VonWaldner, saw the fire at Plaintiffs home and, while another witness, Janet Smith (“Smith”), called the police, he “beat on the horn just religiously, trying to wake up or see if somebody was in there.” Dkt. No. 89-23, 13:14-17. Smith, who walked up to the burning house, noted that one could see through the house because there was neither fire nor “smoke [ ] downstairs.” Dkt. No. 89-11, 26:4-15. Plaintiff testified that [1379]*1379at approximately 6:45 p.m., he received a phone call from his neighbor, Ezra Burke, notifying him that his house was on fire. Dkt. No. 89-12, 129:2-9, 132:25.

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Cite This Page — Counsel Stack

Bluebook (online)
165 F. Supp. 3d 1375, 2016 WL 754909, 2016 U.S. Dist. LEXIS 22579, Counsel Stack Legal Research, https://law.counselstack.com/opinion/sheffield-v-state-farm-fire-casualty-co-gasd-2016.