Vermont Mutual Ins. Co. v. Fern

140 A.3d 278, 165 Conn. App. 665, 2016 Conn. App. LEXIS 216
CourtConnecticut Appellate Court
DecidedMay 24, 2016
DocketAC37771
StatusPublished
Cited by2 cases

This text of 140 A.3d 278 (Vermont Mutual Ins. Co. v. Fern) is published on Counsel Stack Legal Research, covering Connecticut Appellate Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Vermont Mutual Ins. Co. v. Fern, 140 A.3d 278, 165 Conn. App. 665, 2016 Conn. App. LEXIS 216 (Colo. Ct. App. 2016).

Opinion

BEAR, J.

The defendant Bruce Fern, Sr., appeals from the judgment of the trial court in favor of the plaintiff, Vermont Mutual Insurance Company. The plaintiff brought this subrogation action against the defendant and his son, the defendant Bruce Fern, Jr., 1 to recover damages resulting from a fire occurring on a residential property on November 6, 2011. The defendant argues that the court erred in determining that (1) the defendant owed a duty to the plaintiff's insured and (2) the defendant installed a boiler and was equally at fault with his son. We affirm the judgment of the trial court.

In its memorandum of decision, the court made the following findings of fact. The defendant and his son both work as contractors, although only the defendant is a registered improvement contractor. Although both had some prior experience in installing new boilers, 2 neither the defendant nor his son has the necessary occupational license to engage in plumbing and piping work or heating, piping, and cooling work.

Charles Loria (insured) was the owner of property located at 155 Twin Lanes Road in Easton (property), on which he possessed an insurance policy issued by the plaintiff. At the time of the fire, the insured's former wife, Elizabeth Loria (occupant), lived on the property with her children. 3 She told investigators subsequent to the fire that the defendant and his son had installed the boiler about a week before the fire occurred.

On the day of the installation, the defendant and his son arrived at the property, removed the old boiler, and installed the new boiler. The defendant was responsible for certain aspects of the installation of the new pipe connecting the boiler to the chimney. This work involved measuring the pipe, making the proper cuts, and installing the adapter 4 that connected the pipe and chimney into the masonry. When installing the chimney connector into the masonry, the defendant used a two-by-four board to knock the adapter into the chimney. He also held the pipe in place while his son affixed the adapter and the pipe to one another. No further action, such as the use of cement or strapping the pipe in place, was taken to secure the chimney connector into the chimney. The defendant did not read the installation manual for the boiler or speak with a building inspector about the applicable regulations governing the installation of the boiler. The defendant's son ignited the boiler, but failed to make any adjustments to the appliance as required by the manufacturer.

Approximately one week after the defendant and his son installed the boiler, the chimney connector became disconnected from the masonry. 5 As a result, exhaust gases from the boiler were directed onto the joists of the basement ceiling and, over time, generated sufficient heat to start the fire. From the basement, the fire spread to other parts of the property, resulting in damages exceeding $350,000.

During the subsequent investigation into the fire, two potential causes were identified as causing the fire. First, the boiler had not been placed to the proper settings and adjusted as required during the initial installation; consequently, the boiler had been running improperly and accumulated a large amount of soot. Second, the chimney connector had not been cemented into the chimney or secured in place by a separate piece of equipment; consequently, it became dislodged from the chimney. One of the investigators stated that, if the chimney connector had been secured properly into the chimney, the connector would not have become disconnected due to the improper installation and adjustment of the burner.

In its amended complaint, the plaintiff asserted two theories for recovery: (1) the defendant and his son had acted negligently in installing the boiler (counts one and three); and (2) they had breached an implied covenant that all work would be performed in a workmanlike manner (counts two and four). Following a trial to the court, the court issued its memorandum of decision on February 26, 2015. Recounting the essentials of this chronology, the court found that both the defendant and his son had violated various statutes and regulations while installing the boiler. Consequently, the court held that the defendant and his son had acted negligently and violated an implied covenant that their work would be done in a workmanlike manner, their actions were the proximate cause of the fire, and they were equally at fault. Therefore, the court found in favor of the plaintiff on each count of its complaint. This appeal followed.

I

On appeal, the defendant primarily asserts that the court erred in finding that he owed a duty to the insured or the occupant. The defendant asserts that the resulting fire was unforeseeable to him because his role in installing the boiler was relatively limited. In making this argument, the defendant relies on the difference in the type and character of his work when compared to that of his son. In particular, the defendant asserts that his son was the contractor retained or engaged by the occupant, made the agreement to install the boiler, held himself out as having the necessary skill and expertise to install the boiler, and, thus, had the ultimate responsibility for verifying that the boiler was properly installed. The defendant frames his personal involvement much more narrowly, contending that he was merely a laborer or helper, rather than a subcontractor, and claims as support that he took direction from his son, was not paid for his labor, and never held himself out as having any skill whatsoever in boiler installation. We disagree.

We begin by noting that the defendant's argument appears to confuse the existence of a duty with the scope of that duty once one is found to exist; 6 thus, he blends together two separate concerns. "The essential elements of a cause of action in negligence are well established: duty; breach of that duty; causation; and actual injury.... Contained within the first element, duty, there are two distinct considerations.... First, it is necessary to determine the existence of a duty, and [second], if one is found, it is necessary to evaluate the scope of that duty.... The issue of whether a duty exists is a question of law ... which is subject to plenary review. We sometimes refer to the scope of that duty as the requisite standard of care." (Internal quotation marks omitted.) Doe v. Hartford Roman Catholic Diocesan Corp., 317 Conn. 357 , 373, 119 A.3d 462 (2015).

"A duty to use care may arise from a contract, from a statute, or from circumstances under which a reasonable person, knowing what he knew or should have known, would anticipate that harm of the general nature of that suffered was likely to result from his act or failure to act." Coburn v. Lenox Homes, Inc., 186 Conn. 370

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Cite This Page — Counsel Stack

Bluebook (online)
140 A.3d 278, 165 Conn. App. 665, 2016 Conn. App. LEXIS 216, Counsel Stack Legal Research, https://law.counselstack.com/opinion/vermont-mutual-ins-co-v-fern-connappct-2016.