Ting Lin v. Mountain Val. Indem. Co.

2024 NY Slip Op 33309(U)
CourtNew York Supreme Court, Kings County
DecidedSeptember 20, 2024
DocketIndex No. 518077/20
StatusUnpublished

This text of 2024 NY Slip Op 33309(U) (Ting Lin v. Mountain Val. Indem. Co.) is published on Counsel Stack Legal Research, covering New York Supreme Court, Kings County primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Ting Lin v. Mountain Val. Indem. Co., 2024 NY Slip Op 33309(U) (N.Y. Super. Ct. 2024).

Opinion

Ting Lin v Mountain Val. Indem. Co. 2024 NY Slip Op 33309(U) September 20, 2024 Supreme Court, Kings County Docket Number: Index No. 518077/20 Judge: Kerry J. Ward Cases posted with a "30000" identifier, i.e., 2013 NY Slip Op 30001(U), are republished from various New York State and local government sources, including the New York State Unified Court System's eCourts Service. This opinion is uncorrected and not selected for official publication. FILED: KINGS COUNTY CLERK 09/20/2024 02:28 PM INDEX NO. 518077/2020 NYSCEF DOC. NO. 251 RECEIVED NYSCEF: 09/20/2024

At an IAS Term, Part 9 of the Supreme Court ofthe State of New York., held in and for the County of Kings, at the Couiihouse, at Civic Center, Brooklyn, New York, on the20111 day of September; 2024. PRESENT:

HON. KERRY J. WARD, Justice. -~---~---------------------~---------X TlNGLIN and SHI QlANG LIN,

Plaintiffs,

- against - Index No. 518077/20

MOUNTA!N V ALL.EY INDEMNITY COMPANY, CLERtvtoNT INSURANCE COMPANY, ONE SUNSET PARK CONDorvlJNJUM, J. w ASS ER & COMPANY, 4401 PARK LLCand CENTURY MAX..·•· INC,.

Defendants, - - -·- - - - ~ - - - - - -·-·- - - - - - - - - - - - - - - - - - - - - -X

The following e-filed papers read herein: NYSCEF Doc Nos.

Notice of Motion/Order to Show Cause/ Petition/Cross Motion and Affidavits (Affirmations) _ _ _ _ _ _ __ 188-'- l 92. 194-213 Opposing Affidavits (Affirmations)· _ _ _ __ 214 Reply Affidavits (Affirmations) _ _ _ __ 218 .

Upon the foregoing papers in this action for negligence and breach of contract,

defendants One Sunset Park Condominium (Condominium) and J. Wasser & Company

(Wasser), the Cortdmrtinium' s matiaging agent(collectively, Defendants), move(inmotion

.sequence [trtot seq.] l 0) tor an order, pursutmtto CPLR 3212, granting summary judgment

dismissing the claims asserted against them (the fo1.,1rth and J1fth causes of action) in the.

·amended complaint (NY"SCEF Doc No. 188).·

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Background

In 2011; plaintiffs Ting Lin and Shi Qiang Lin (collectively, Plaintiffs), brother and

sister, purchased their condominium apartment, Unit 3A, in the condominium building

located at 702 44th Street in Brooklyn (Building). At that time, they also purchased a

condominium unit ow11ets' policy of insurance with coverage of $100;000, which tpey

renewed annually. On April 3, 2019, there was a substantial fire in the Building which

caused the removal of all occupants from their apartments. 1 There were fifty-four (54)

apartments in the Building and the entire structure was declared unsafe fat habitation by

the City of New York.

On June 19, 2019, the Condominium's insurer determined that the Building was a

total loss due to the extensive fire and water damage and elected to exercise its option to

pay the total policy limits for the loss in the amount of $8,200;000 rather than rebuild

(NYSCEF Doc No. 208). The Condominium retained an architect to assess the fire ~nd

water damage at the Building and to provide an expe1i opinion as to whether more than

75% of the Bui1ding was damaged. The architect concluded that more than 75% of the

Building was damaged (NYSCEF boc No. 209).

Section 5.5 (D) of the Condominium's By-Laws provides, in relevant part:

"[i]f either 75% or more of the Building is destroyed or substantially damaged by fire or other casualty . . . the [restoratibn] Work shall not he perform~d unless Unit Owners owning 75% in co1rtmon interest of the Uriits. shall pass a

1 The Fire Incident Report indicated that the fire wa:s caused by a tenant occupying unit ciB who left a lit candle too close to a window curtain (NYSCEF Doc No. 202). 2.

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resolution to proceed with the same ... .'' (NYSCEF Doc No. 203).

Thereafter, on January 14, 2020, the Condominium unit :owners held a meeting to

determine whether or not the Building should he restored. At the 111eeting, 72.45% ofthe

unit owners voted not to restore the Building and, instead; to sell the burnt-out shell and

distribute the sale proceeds and the Condominium's insurance proceeds among the unit

owners, pursuant to a partition action, as required by RPL 339-cc. Thatpartition action,

,vhich was commenced by the unit o,vners, including Plaintiffs, on May 20, 2020, is

currently pending before this court (Shepherd v Wong, et al, Kings County index No.

508641/20). No distributions have been made as yet, and there is no indication that

Plaintiffswill not be made whole once those funds are distributed.

On September 24, 2020, Plaintiffs, in their individual capacities, commenced this

action against the Condmniniµtn, Wasser and others by filing a summons and a verified

complaint seeking monetary damages of $600,000, the alleged val tie of Plaintiffs' unit

(NYSCEF Doc No. 1). On August 16~ 2021; after the court (Silber, J.)dismissed certain

claims in the original complaint, Plaintiffs amended the complaint. Essentially; the

amended complaint alleges that the Condominium and Wasser ''purchased a fire insurance

policy fot the entire subject building .. , with a woefully inadequate limit of $8,200,000

fora building of5(4) Apartinents" (NYSCEF Doc No. 58at111). Theatnended complaint

asserts a fourth cause o'f action fi1t breach of contract and negligence against the

Condominium and Wasser based on their alleged failure to acquire adequate fire insurance

coverage for the entire Building. The fifth cause of action alleges that the Condominium 3

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and Wasser \Vere negligent in failing to purchase fire and water damage insurance for the

Building and that "[t]he Defendants ... are not protected by the 'Bu_siness Judginent Rule'

under the aforesaid circllinstahces ... " (id at ,i 30).

On September 14, 2021, the Condominiurrt and Wasser collectively answered the

amended complaint, denied the material allegations therein and asserted affirmative

defenses, including that: (l} ''Wasser was not employed to obtain insurance for the

Building"; (2) '"Wasser is art agent for a disclosed principal and cannot be held liable for

the acts of the Condominium"; (3) plaintiffs' claims are barred by Sections 2.20 and 3.10

of the Condominium's By-Laws; (4) ''plaintiffs lack standing to bring an action

individually against the Board"; and (5) ''[t]he answering defendants acted in good faith,

in compliance with the Condominium Act, the By Laws and in reliance upon its

professionals in obtaining the tequisite fire insurance coverage for the Building"- and thus

''[tJhe complaint is barred by the Business Judgment Rule''{NYSCEF Doc No. 71 at , , ,-i, 37, 39, 41, 43_, 45 and 50-51).

Defendants' Summary Judgment 11/otion

On March 25, 2023, the Condominium and Wasser collectively moved for s11mmary

jµdgmcnt dismissing the negligence and breach of contract claims asserted against them.

Defense couns'el argues that dismissal of the amended complaint is warranted since

.Plaintiffs sued in their individual capacities and lack standing to assert derivative claims

(NYSCEF Doc No. 189 at ~]21).

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Bluebook (online)
2024 NY Slip Op 33309(U), Counsel Stack Legal Research, https://law.counselstack.com/opinion/ting-lin-v-mountain-val-indem-co-nysupctkings-2024.