Terence S. Roberts v. Kentucky National Insurance Co.

CourtCourt of Appeals of Tennessee
DecidedApril 16, 2025
DocketW2023-01524-COA-R3-CV
StatusPublished

This text of Terence S. Roberts v. Kentucky National Insurance Co. (Terence S. Roberts v. Kentucky National Insurance Co.) is published on Counsel Stack Legal Research, covering Court of Appeals of Tennessee primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Terence S. Roberts v. Kentucky National Insurance Co., (Tenn. Ct. App. 2025).

Opinion

04/16/2025 IN THE COURT OF APPEALS OF TENNESSEE AT JACKSON November 13, 2024 Session

TERENCE S. ROBERTS, ET AL. v. KENTUCKY NATIONAL INSURANCE CO., ET AL.

Appeal from the Circuit Court for Madison County No. C-23-78 Joseph T. Howell, Judge ___________________________________

No. W2023-01524-COA-R3-CV ___________________________________

The plaintiffs filed this lawsuit against seven defendants. Their complaint asserted various counts arising out of the defendants’ involvement with a water loss claim the plaintiffs had reported to their insurer. Four of the defendants moved to dismiss the complaint. The trial court granted their motions and simply stated at the end of its order of dismissal, “This is a final and appealable order and there is no just cause for delay.” The plaintiffs filed a notice of appeal. This Court entered two show cause orders, directing the appellants to either obtain a final judgment or show cause why this appeal should not be dismissed. We then entered an order deferring the matter to the panel of the Court deciding this appeal. We conclude that the trial court improvidently certified its order as final and dismiss this appeal.

Tenn. R. App. P. 3 Appeal as of Right; Appeal Dismissed

CARMA DENNIS MCGEE, J., delivered the opinion of the court, in which J. STEVEN STAFFORD, P.J., W.S., and KENNY W. ARMSTRONG, J., joined.

Drayton D. Berkley, Memphis, Tennessee, for the appellants, Terence Roberts and Temkio Roberts.

Elizabeth M. Bass and Hunter J. Foote, Hendersonville, Tennessee, for the appellees, Kentucky National Insurance Company, Allen Faber, and Jeremy Spencer.

Kelsey W. McKinney and Jennie Vee Silk, Memphis, Tennessee, and Andrew Roach, Atlanta, Georgia, for the appellee, Crawford & Company.

OPINION I. FACTS & PROCEDURAL HISTORY

In March 2023, Terence and Temkio Roberts (“Plaintiffs”) filed this lawsuit against seven defendants who were involved with a water loss claim Plaintiffs had reported to their insurer. The complaint described the defendants as: Kentucky National Insurance Company; TW Claims Group; Crawford & Company; and four individual adjusters or inspectors – Darrel Reaves, Allan Faber, Dustin Richmond, and Jeremy Spencer. The complaint asserted four separate counts against the defendants: (1) appointment of an umpire pursuant to the insurance policy; (2) breach of contract; (3) punitive damages; and (4) unlawful insurance acts pursuant to Tennessee Code Annotated section 56-53-103. Plaintiffs sought the appointment of a neutral umpire as well as compensatory and punitive damages. They alleged that “Defendants, independently and through Crawford & Company, TW Claims Group, and their employees intentionally and knowingly failed to properly investigate the loss and pay for personal property damages, incurred mitigation costs, and the necessary line items to effectuate proper repairs and replacement as agreed in the contract.” Plaintiffs also asserted that “[t]he actions of KNIC, TW Claims Group, Crawford, Richmond, Reaves, Spencer, and Faber were, and are, a pattern or practice of violations, and attempted violations, found in Tenn. Code Ann. § 56-53-103 that Tenn. Code Ann. § 56-53-107 authorizes and entitles the Plaintiff to treble damages.”

Crawford & Company moved to dismiss the claims against it. A separate motion to dismiss was jointly filed by defendants Kentucky National, Allen Faber, and Jeremy Spencer. In September 2023, the trial court entered an order granting the motions to dismiss filed on behalf of these four defendants -- Kentucky National, Allen Faber, Jeremy Spencer, and Crawford & Company. The trial court found that the complaint failed to state a claim for appointment of an umpire and breach of contract as to Kentucky National because the complaint did not aver that all conditions precedent were met prior to filing suit. The court also found that the complaint failed to state a claim for appointment of an umpire and breach of contract as to Crawford & Company, Allen Faber, and Jeremy Spencer because those defendants were not a party to the insurance policy at issue. In addition, the trial court found that the complaint failed to state a claim for unlawful insurance acts pursuant to Tennessee Code Annotated section 56-53-103 because the statute creates a claim for statements made by or on behalf of an insured to an insurance company, but Plaintiffs alleged that Kentucky National, Crawford & Company, Allen Faber, and Jeremy Spencer made incorrect statements. As such, the trial court found that the alleged acts or omissions did not qualify as an unlawful insurance act under the statute because they were not statements made by or on behalf of an insured to an insurance company. The trial court found that treble damages under the Act were not available in the absence of a viable claim for an unlawful insurance act or for the particular type of claim asserted by Plaintiffs in any event. Finally, the trial court found that punitive damages were not available to Plaintiffs for a breach of insurance contract claim. Thus, the trial court dismissed all claims asserted against these four defendants with prejudice. -2- The final sentence of the order stated, “This is a final and appealable order and there is no just cause for delay.” Plaintiffs filed a notice of appeal to this Court.

The remaining three defendants, TW Claims Group, Dustin Richmond, and Darrel Reaves, had not filed an answer or a motion to dismiss, so all claims against them remained pending. As such, this Court entered a show cause order stating that it did not appear to this Court that the order appealed was a final judgment adjudicating all the claims against all the parties. Specifically, we noted, the order appealed did not resolve any claims against TW Claims Group, Dustin Richmond, or Darrel Reaves. We directed the appellants to either supplement the record with a final judgment or otherwise show cause why this appeal should not be dismissed for lack of jurisdiction. Plaintiffs filed a response, simply stating that the trial court had certified its order as final pursuant to Rule 54.02, and therefore, this Court had jurisdiction. In the event that this Court determined that certification was improper, Plaintiffs asked this Court to vacate the order of dismissal and remand for further proceedings.

Upon consideration of Plaintiffs’ response, this Court entered a second show cause order. We deemed Plaintiffs’ response to our initial show cause order as “not responsive” because it did not supplement the record with a final judgment or provide any explanation as to whether the attempted certification pursuant to Rule 54.02 was proper. We reiterated that the order appealed did not resolve any of the claims asserted against three of the named defendants, and though it did state that the order was “final and appealable” and “there is no just cause for delay,” it did not provide any reasoning or basis for this finding. Accordingly, we directed Plaintiffs to either supplement the record with a final judgment, explain whether the attempted certification was proper pursuant to Rule 54.02, or otherwise show cause why the appeal should not be dismissed.

Plaintiffs filed a second response, to our second order, repeating their position that the order of dismissal was properly certified as final under Rule 54.02. They argued that the order disposed of “most of the claims and the parties” and directed entry of judgment with no just reason for delay.

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Bluebook (online)
Terence S. Roberts v. Kentucky National Insurance Co., Counsel Stack Legal Research, https://law.counselstack.com/opinion/terence-s-roberts-v-kentucky-national-insurance-co-tennctapp-2025.