The Norfolk & Dedham Group of Ins. Co. v. Kostovick

CourtSuperior Court of Maine
DecidedMarch 11, 2009
DocketCUMcv-08-238
StatusUnpublished

This text of The Norfolk & Dedham Group of Ins. Co. v. Kostovick (The Norfolk & Dedham Group of Ins. Co. v. Kostovick) is published on Counsel Stack Legal Research, covering Superior Court of Maine primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
The Norfolk & Dedham Group of Ins. Co. v. Kostovick, (Me. Super. Ct. 2009).

Opinion

STATE OF MAINE SUPERIOR COURT CUMBERLAND, ss CIVIL ACTION DOCKET NO. CV-08-23[3;'" 'R,~ (~-- ,- ," I. Ij>. ; ;)G }7 J

THE NORFOLK & DEDHAM GR0t.1P·bP I ,~iO: 55 INSURANCE COMPANIES, AS SUBROGREE OF THE MARLBOROUGH CONDOMINIUM ASSOCIATION AND MARIA BOSTON DONALD L GARBRECHT AND . tAWUBRARY

MARLBOROUGH CONDOMINIUM ASSOCIATION, Plaintiffs ORDER ON DEFENDANTS' v. MOTIONS FOR SUMMARY JUDGMENT

AGNES KOSTOVICK, GERARD KOSTOVICK, AND REBECCA KOSTOVICK, Defendants

Before the Court is Defendant Agnes Kostovick's Motion for Partial Summary

Judgment against Plaintiff Norfolk & Dedham Group of Insurance Companies, as

subrogee of the Marlborough Condominium Association and Maria Boston. 1 Also

before the Court is Defendants Gerard Kostovick and Rebecca Kostovick's Motion for

Summary Judgment and Defendant Agnes Kostovick's Motion for Summary Judgment

against both Plaintiffs.

PROCEDURAL HISTORY

In April 2008, Plaintiff Norfolk & Dedham Group of Insurance Companies, as

subrogee of the Marlborough Condominium Association and Maria Boston (collectively

referred to as "Norfolk & Dedham") filed a four-count complaint against the three

defendants. In June 2008, the Plaintiff amended this complaint. By doing so, the

Marlborough Condominium Association ("MCA") joined the action as a party plaintiff

I This motion for partial summary judgment does not seek judgment against the Marlborough Condominium

Association. in order to seek recovery for certain losses that were not covered by the Norfolk &

Dedham insurance proceeds. Plaintiffs allege that Agnes Kostovick ("Agnes"), Gerard

Kostovick ("Gerard"), and Rebecca Kostovick ("Rebecca") were each individually

negligent and that their negligence was the direct and proximate cause of a fire that

caused damage to Unit 62 and other areas witrun the Marlborough Condominiums

located at 180 High Street in Portland, Maine. Plaintiffs also allege that the three

defendants were engaged in a joint enterprise, such that each defendant could be liable

for the negligence of the others. This case is scheduled for trial on the trial list that

begins on March 16,2009.

FACTUAL BACKGROUND The following facts are undisputed. 2 The MCA is an association of unit owners

of the Marlborough Condominiums. Maria Boston ("Maria") owned Unit 62 in the

Marlborough Condominiums and was a member of the MCA, but she did not reside in

Unit 62. As a member of the MCA, Maria was assessed a fee proportionate to her share

of the common expenses. Common expenses included insurance, but each unit owner

was required to maintain insurance on his or her individual unit. Unit owners were

permitted to lease their units.

Agnes is Maria and Gerard's mother. Gerard and Rebecca are married.

Sometime in the Fall 2006, Maria agreed and authorized Agnes to move into Unit

62. 3 Maria and Agnes never entered into a written lease for Unit 62. Maria never

advised Agnes, orally or in writing, that Agnes would be liable in subrogation for fire

2 These facts are excerpted from all summary judgment filings. 3 Agnes, Gerard, and Rebecca all agree that Agnes resided in Unit 62 from 2003 until early 2006, but that she did not reside in Unit 62 for approximately eight months in 2006. In response to Agnes' statement of material facts, Plaintiffs deny that Agnes resided in Unit 62 during this timeframe because Agnes did not produce documents supporting this fact. PIs.' Opp. to Agnes S.M.F. ~ 8. But, in response to Gerard and Rebecca's statements of fact, Plaintiffs admit that Agnes resided in Unit 62 during this timeframe. PIs.' Opp. to Gerard and Rebecca S.M.F. ~ 6.

2 damage to the apartment. Maria never advised Agnes, orally or in writing, that Agnes

needed to procure fire, liability, or property insurance for Unit 62.

On November 26, 2006, Gerard and Rebecca, along with their two minor

children, helped Agnes move some of her personal effects into Unit 62. The Defendants

all admit that there was a cloth on the stovetop in the kitchen at the time they were

helping Agnes move items into the unit. Agnes placed the towel on the stove sometime

prior to November 26,2006. The Defendants left Unit 62 at approximately 4:30 p.m.

Less than fifteen minutes later, at approximately 4:44 p.m., the Portland Police and Fire

Departments responded to the report of a fire at the Marlborough Condominiums

(hereinafter "the fire"). The responding officer observed that the cook stove/ oven was

on, with the right front burner of the stove glowing and oven displaying a temperature

of 350 degrees.

Several investigators gave their professional opinions regarding the cause of the

fire. 4 In the professional opinions of these investigators, contained within sworn

affidavits, the fire originated on top of the cook stove in the Unit 62 kitchen. The

investigators concluded that the "most likely cause" of the fire was combustibles left on

top of the cook stove.

On November 26,2006, Norfolk & Dedham insured the MCA and its members

under a policy of insurance issued to the MCA. In that policy, Norfolk & Dedham

specifically waived its rights to recover from any unit-owner. In accordance with the

4 The Plaintiffs rely on an incident report created by the Portland Police Department to bolster the opinion of the investigating officers. See Pis.' Opp. S.M.F. 'If'lf 41,54,55. However, the report is not properly before the Court. See M.R. Civ. P. 56(e) ("Sworn or certified copies of all papers or parts thereof referred to in an affidavit shall be attached thereto or served therewith. "). Deputy Chief Will iam Flynn's affidavit states that the December 8, 2006 incident report of the Portland Fire Department is attached as "Exhibit A-2." Detective Paul Murphy's refers to this same incident report and states that it is attached as "Exhibit B-2." The incident report is not attached to either affidavit and therefore cannot be sworn to or certified as required by M.R. Civ. P. 56(e). Therefore, the Court will not consider the contents of the incident report.

3 terms of the insurance policy issued to the MCA, Norfolk & Dedham made payments to

the MCA for the damages caused by the fire.

DISCUSSION

I. Standard of Review

In a motion for summary judgment, the Court views the evidence in the light

most favorable to the nonmoving party to decide whether the parties' statements of

material facts and the referenced record material reveal a genuine issue of material fact.

Rogers v. Jackson, 2002 ME 140,

gives the party opposing summary judgment the benefit of any inferences that might

reasonably be drawn from the facts presented. Curtis v. Porter, 2001 ME 158,

A.2d 18, 22. If the record reveals no genuine issue of material fact then summary

judgment is proper. Id.

there is sufficient evidence to require a fact-finder to choose between competing

versions of the truth at trial. Lever v. Acadia Hasp. Corp., 2004 ~ 35,

1179.

II. Agnes' Motion for Partial Summary Judgmene

Agnes' first motion for partial summary judgment rests entirely on the holding

in North River Ins. Co. v. Snyder, 2002 ME 146,804 A.2d 399. Agnes argues that the

holding in Snyder precludes Norfolk & Dedham from recovering as a subrogee of MeA

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