# Mireles v. Liberty Insurance Corporation

> District Court, W.D. Oklahoma · January 20, 2023

URL: https://www.frixlaw.com/law-library/cases/10389991

## Case

- **Court:** District Court, W.D. Oklahoma
- **Decided:** January 20, 2023
- **Opinion:** 100trialcourt
- **Cited by:** 0 later opinions in the Frix Law Library

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## Opinion text

IN THE UNITED STATES DISTRICT COURT FOR THE
WESTERN DISTRICT OF OKLAHOMA

JAMES MIRELES and CARMEN )
MIRELES, Husband and Wife, )
)
Plaintiffs, )
)
-vs- ) Case No. CIV-21-843-F
)
LIBERTY INSURANCE )
CORPORATION, )
)
Defendant. )

ORDER

I.
Background
On January 16, 2019, the property of plaintiffs James Mireles and Carmen
Mireles sustained wind and hail damage due to a storm. The property was insured
under a homeowners insurance policy issued by defendant Liberty Insurance
Corporation. Plaintiffs submitted a claim under the policy, and defendant, through
its adjuster, estimated damage to plaintiffs property (tile ridge and gutters) in the
amount of $748.62, which was substantially less than plaintiffs’ deductible of $9,042
for wind and hail loss. Consequently, no payment was issued to plaintiffs.
Several months later, in July of 2019, the adjuster reinspected the property at
plaintiffs’ request. Not finding any new storm damage, the adjuster’s estimate
remained unchanged. Shortly thereafter, plaintiffs, through a retained appraiser,
invoked the appraisal process. In August of 2019, defendant agreed to participate
in the appraisal process and selected an appraiser. After conducting inspections,
the parties’ appraisers could not agree on a damage estimate. In early November
2020, the matter was referred to an umpire mutually selected by the appraisers.
Between November 2020 and February 2021, there was an issue as to the umpire’s
receipt of defendant’s payment of his fees. Payment was reissued by defendant in
February of 2021. Thereafter, on March 21, 2021, the umpire issued an appraisal
award in the amount of $237,326.62. The award included a full roof replacement
for plaintiffs’ dwelling and damage estimates for other structures. Plaintiffs’
appraiser also signed the award document. In a letter dated April 23, 2021,
defendant advised plaintiffs that it declined to recognize the umpire’s award, but it
instead chose to recognize its appraiser’s damage estimate of $132,107.60. After
subtracting for excluded cosmetic damage, depreciation and plaintiffs’ wind and hail
loss deductible, defendant agreed to pay plaintiffs $19,223.44. According to
defendant, it mailed a check in the amount of $19,223.44 to plaintiffs. Plaintiffs
deny receiving the payment and contend no payment was made. After receiving a
request from plaintiffs’ appraiser to pay the umpire’s appraisal award, defendant, in
a letter dated May 10, 2021, clarified its position that it had not accepted and was
not bound by the umpire’s appraisal award, but had agreed to resolve the insurance
claim based upon its appraiser’s damage estimate.
On August 2, 2021, plaintiffs commenced suit against defendant in the District
Court of McClain County, State of Oklahoma, alleging claims of breach of contract
and breach of the implied duty of good faith and fair dealing. Defendant removed
the case to this court based upon the existence of diversity jurisdiction, 28 U.S.C.
§ 1332. Having conducted discovery, defendant has moved for summary judgment
on plaintiffs’ claims. Defendant contends that plaintiffs’ breach of contract claim
is time-barred and substantively meritless, and that plaintiffs’ claim for breach of the
implied duty of good faith and fair dealing fails as a matter of law because it acted
reasonably, and a legitimate dispute existed between the parties as to the amount of
plaintiffs’ insurance claim. Even if plaintiffs’ claim of breach of the implied duty
of good faith and fair dealing survives summary judgment, defendant contends it is
entitled to summary judgment on plaintiffs’ request for punitive damages.
Upon review of the parties’ submissions related to Defendant Liberty
Insurance Corporation’s Motion for Summary Judgment (doc. no. 33), the court
makes its determination.
II.
Standard of Review
Pursuant to Rule 56(a), Fed. R. Civ. P., a “party may move for summary
judgment, identifying each claim or defense—or the part of each claim or defense—
on which summary judgment is sought.” Summary judgment is appropriate “if the
movant shows that there is no genuine dispute as to any material fact and the movant
is entitled to judgment as a matter of law.” Rule 56(a), Fed. R. Civ. P. In
conducting its review, the court views the evidence and draws reasonable inferences
in a light most favorable to plaintiffs, the nonmoving parties. Shotts v. Geico
General Insurance Company, 943 F.3d 1304, 1314 (10th Cir. 2019). Because the
court’s jurisdiction is based on the parties’ diversity of citizenship, the court applies
Oklahoma substantive law. Id. at 1307 n. 4.
III.
Analysis
A. Time Bar Defense for Breach of Contract Claim
Initially, defendant asserts that plaintiffs’ breach of contract claim is barred
by the two-year limitations period set forth in the policy. According to the policy,
“[n]o action can be brought unless the policy provisions have been complied with
and the action is started within two years after the date of loss.” Doc. no. 33-1, ECF
p. 36, ¶ 8. It is undisputed that plaintiffs commenced this action more than two
years after the date of loss on January 16, 2019.
Plaintiffs, however, contend that the limitations period was equitably tolled or
waived by defendant’s conduct or was extended by bulletins issued by the Oklahoma
Department of Insurance/Oklahoma Insurance Commissioner due to the COVID-19
pandemic. As to defendant’s conduct, plaintiffs assert that defendant actively
engaged in the appraisal process, without raising the limitations period, and offered
to resolve the plaintiffs’ claim for $19,223.44 because of that process. With respect
to the bulletins, plaintiffs assert that they extended plaintiffs’ deadline to file suit
against defendant until 90 days after the expiration of the Oklahoma Governor’s state
of emergency declaration caused by the impending threat of COVID-19. Plaintiffs
assert that the Governor’s state of emergency declaration expired as of May 4, 2021,
and they filed their lawsuit exactly 90 days later, on August 2, 2021. Thus,
plaintiffs maintain that their breach of contract claim is timely.
Although defendant challenges whether the subject bulletins constitute a
binding form of law, the court need not address the issue. Even if they had the
force of law, the court concludes the language of the third and final bulletin issued
by the Oklahoma Department of Insurance/Oklahoma Insurance Commissioner
regarding COVID-19 defeats plaintiffs’ contention. The third bulletin, issued on
June 18, 2020, stated that the “PC Bulletin 2020-01 (As Amended) will be
effectively rescinded on June 30, 2020, except as provided[.]” Doc. no. 42-9. It
then provided that the “term of extended grace periods” and the “term of extended
claims reporting periods” “shall be allowed to expire upon reaching the end of the
extension.” Id. The only grace period referred to in the prior bulletin related to
the “nonpayment of premiums,” and it extended any applicable grace period by 45
days. Doc. no. 42-8, ECF p. 2. As to “claims reporting deadlines,” the prior
bulletin suspended all claims reporting deadlines for the duration of the emergency
declaration. Id., ECF p. 3. This case presents no issues as to premium payments
or claims reporting deadlines. It is the limitations period for an action against
defendant which is at issue. While the prior bulletin “extend[ed] all policyholder
rights or benefits related to deadlines until 90 days after the state of emergency
ends,” see, id., the third bulletin did not mention anything about extending
policyholder rights or benefits related to deadlines. Thus, even assuming the
reference to “policyholder rights or benefits related to deadlines” in the prior bulletin
could be construed as including the limitations periods for actions by insureds, the
third bulletin rescinded that extension as of June 30, 2020. Consequently, the court
concludes that plaintiffs cannot rely upon the subject bulletins to support an
extension of the limitations period for 90 days after May 4, 2021, with respect to
their breach of contract claim.
However, upon review of the record in a light most favorable to plaintiffs, the
court concludes that a genuine issue of material facts exists as to whether defendant’s
conduct resulted in a waiver of the contractual limitations period. In Zewdie v.
Safeco Insurance Company of America, 304 F. Supp. 3d 1101 (W.D. Okla. 2018),
Judge Joe Heaton set forth the law in Oklahoma on the issue of waiver with respect
to the contractual limitations period. Specifically, Judge Heaton stated:
Beginning with its decision in Prudential Fire Ins. Co. v. TraveTaylor
Co., 194 Okla. 394, 152 P.2d 273, 275 (1944), the Oklahoma
Supreme Court has repeatedly held that an insurer may waive a
contractual limitations period imposed by an insurance policy if it
leads the plaintiff by its conduct to believe the claim will be paid.
Certain property belonging to the insured plaintiff in Prudential was
damaged in a fire. The adjustor retained by the insurer to establish
the extent of the loss hired several experts to assess the property
damage, but they did not complete their investigation until the
limitations period was almost over. They determined the property
did not sustain any appreciable damage, but that information was not
communicated to the insured until the limitations period had expired.
The plaintiff sued and the insurer defended on the ground the lawsuit
was filed after the contractual limitations period had ended. The
Oklahoma Supreme Court concluded that under these circumstances
the defendant had waived the limitations period by not denying
liability within enough time to permit the plaintiff to bring suit within
the policy’s limitations period. The court stated that the waiver was
“for a reasonable time” after the denial of liability. Id. at 273
Syllabus ¶ 1 (emphasis added).
A similar conclusion was reached in Agric. Ins. Co. v. Iglehart, 386
P.2d 145 (Okla. 1963), where the plaintiff filed an action for breach
of contract a year after the contractual limitations period had expired.
The court noted that the defendant had “at no time denied liability to
[the] plaintiff.” Id. at 146. Rather, “[t]here was merely a continuing
disagreement between the parties as to the amount of plaintiff's
claim.” Id. The court held that the defendant waived the policy’s
limitation provision “[i]n such a situation where defendant admitted
liability to plaintiff, but never made payment to him on his claim,
and there were intermittent negotiations for settlement of the claim.”
Id.
Waivers were also found in Oklahoma Farm Bureau Mut. Ins. Co. v.
Lay, 398 P.2d 506 (Okla. 1965) and National–Ben Franklin Ins. Co.
v. McSwain, 388 P.2d 501 (Okla. 1963). In Lay there was evidence
that the plaintiff had submitted a claim for a fire loss, was told by the
insurer’s agent that “he would have an adjuster come out ‘and settle
it up,’” and that the adjuster then came and informed him “‘they
would settle it, fix the house back.’” Lay, 398 P.2d at 508. The
plaintiff testified that he did not file his lawsuit within a year after
the loss because the adjuster told him “‘he wanted to catch the guy
that set it, and they would settle it with me, not to worry about it.’”
Id. According to the plaintiff, the “first time any representative of
the defendant told him it was not going to pay the loss was in August,
1961.” Id. He testified he then contacted his attorney and caused
the action to be filed, which occurred in September 1961. The Court
stated that, although some of the crucial parts of the plaintiff’s
testimony were contradicted by defendant’s witnesses, “there was
evidence, which, if believed by the jury, furnished a basis for
deciding . . . that plaintiff may have been lulled by defendant’s
conduct into delaying the commencement of this action more than a
year after his loss, in the belief that defendant was going to settle
with him without the necessity of taking such action.” Id.
Similarly, in McSwain the Oklahoma Supreme Court concluded that
the evidence was sufficient to demonstrate the insurer waived the one
year limitations period. It noted that the “[p]laintiff’s testimony
[was] clear that when she left for California in the Summer of 1957,
she was made to believe by Mr. Mason, the defendant’s agent, that
repairs would be made upon the house in question.” McSwain, 388
P.2d at 503. A contrary decision was reached in Bernstein v.
Connecticut Fire Ins. Co., 315 P.2d 232 (Okla. 1957) because
“negotiations [had] been broken off in sufficient time to enable the
insured to commence the action within the limitation period.” Id.
at 233. There the insurer had denied liability less than four months
after the loss. It had offered to compromise the claim, but the court
stated the offer was “of no assistance to the plaintiff in establishing
a waiver even if properly pleaded, for it affirmatively appears that
the offer was in response to an inquiry of plaintiff’s attorney.” Id.
The Tenth Circuit addressed the waiver/statute of limitations issue in
Ins. Co. of North America [v. Board of Ed. of Independent School
Dist. 12, Texas, 196 F.2d [901,] 902–04 [(10th Cir. 1952]. In that
case the trial court had rejected the defendant insurer’s argument that
the action was barred by the applicable one year limitations period,
concluding that its inequitable conduct deprived it of the defense. It
found the insurer, “by its dilatory tactics, and by continuing to
negotiate with the [insured] for a settlement of the claim into
February, 1948, and not finally denying liability until in April,
1948,” after the limitations period had expired, “misled the [insured]
into believing the loss would be adjusted.” Id. at 902. The
insured had filed suit more than thirty months after the damage
occurred and approximately sixteen months after the insurer denied
liability.
The Tenth Circuit recognized that many courts used the term waive
or waiver in this context, but determined that “these words are
loosely and inaccurately treated when so used.” Id. at 903. It
interpreted Oklahoma law to hold that an insurer in this situation
does not actually “waive” its right to assert the limitations period in
the sense of “a complete relinquishment, extinguishment and
abandonment” of the right to assert the limitations period. Id. at
904. Instead, it concluded that conduct such as what the insurer had
allegedly engaged in there, “operate[d] to suspend the running of the
statute of limitations until denial of liability and that thereafter the
statute begins to run again and, if insufficient time remains to
institute the action within the year, the insured may have a reasonable
time thereafter to bring action.” Id.
Zewdie, 304 F. Supp. 3d at 1108-1110.
In this case, defendant did not deny plaintiffs’ insurance claim. It agreed
plaintiffs’ property sustained wind and hail damage but estimated that damage as
substantially less than plaintiffs’ deductible for wind and hail loss. After defendant’s
second inspection of plaintiffs’ property and decision not to change its original
damage estimate, plaintiffs invoked the appraisal process. The policy issued to
plaintiffs contained an endorsement in accordance with Oklahoma law which stated:
If you and we fail to agree on the amount of loss, either party may
make written demand for an appraisal of the loss. In this event, only
the party which demanded the appraisal will be bound by the results
of that appraisal. Each party will choose a competent appraiser
within 20 days after the written demand has been made. The two
appraisers will choose an umpire . . . The appraisers will separately
set the amount of loss. If the appraisers submit a written report of
agreement to us, the amount agreed upon will be the amount of loss
and will be binding on that party which demanded the appraisal. If
they fail to agree, they will submit their differences to the umpire.
A decision agreed to by any two will set the amount of loss and will
be binding on that party which demanded the appraisal.
Doc. no. 33-1, ECF p. 36, ¶ 6 (emphasis added).
In responding to plaintiffs’ request for appraisal, defendant advised that it was
“acting upon the request in like fashion as dictated within the policy.” Doc. no.
43-2, ECF p. 36. It then advised plaintiffs of what their policy stated with respect
to appraisal. However, it did not quote the correct language from plaintiffs’ policy.
Rather, it stated that plaintiffs’ policy provided as follows:
If you and we fail to agree on the amount of loss, either may demand
an appraisal of the loss. In this event, each party will choose a
competent and impartial appraiser within 20 days after receiving a
written request from the other. The two appraisers will choose an
umpire . . . The appraisers will separately set the amount of loss. If
the appraisers submit a written report of an agreement to us, the
amount agreed upon will be the amount of loss. If they fail to agree,
they will submit their differences to the umpire. A decision agreed
to by any two will set the amount of loss.
Each party will:
1. Pay its own appraiser; and
2. Bear the other expenses of the appraisal and umpire equally.

Id. (emphasis omitted).
The language quoted by defendant did not indicate that only the plaintiffs, as
the parties invoking the appraisal, would be bound by results of the appraisal. The
language instead indicated that the amount of loss would be determined by the
amount agreed upon by the appraisers or by a decision of any two if the parties
submitted their differences to the umpire. And the letter then advised the plaintiffs
of defendant’s appointed appraiser. The letter further advised the plaintiffs “to take
no action toward repairing the damage or otherwise spoiling any evidence until such
time as any differences have been resolved.” Id., ECF p. 37. Although the letter,
after the adjuster’s signature, contained a sentence stating that the letter “should not
be construed as a waiver or estoppel of the terms, conditions or defenses afforded by
the policy or applicable law,” the letter did not indicate to which “policy or
applicable law” it was referring. Id. As stated, the language quoted in the letter
was not from plaintiffs’ policy. Further, the letter did not contain any language
specifically advising the plaintiffs that defendant denied liability or that it reserved
its rights to deny liability.
The appraisal process commenced in July of 2019, and the umpire did not
issue his appraisal award until March 2021, approximately two months after
expiration of the two-year limitations period. The record does not reflect that the
defendant indicated to the plaintiffs at any time during the appraisal process that they
would still be bound by the two-year limitations period, despite the pendency of the
appraisal process. The record does contain a reservation of rights letter dated
May 1, 2020, from defendant’s adjuster that was addressed and emailed to plaintiffs’
appraiser, see, doc. no. 43-2, ECF p. 43, almost a year after the appraisal process
was invoked, an initial inspection by the plaintiffs’ appraiser had commenced, and
an umpire had been agreed to by the parties. Although Mr. Mireles was copied on
the email, there is no evidence in the record that plaintiffs received or were made an
aware of that letter. Moreover, defendant’s adjuster advised that the purpose of the
reservation of rights letter was to “indicate that we are still in appraisal prep stages
and await progress.” Doc. no. 43-2, ECF p. 41.
On April 23, 2021, over a month after the umpire issued his appraisal award,
defendant advised that it was not recognizing the award, and that under Oklahoma
law, it did not have to abide by the award because it had not initiated the appraisal
process. However, it also advised plaintiffs that it would recognize its own
appraiser’s estimate and, after subtracting for excluded cosmetic damage,
depreciation and the wind and hail loss deductible, agreed to pay plaintiffs a sum of
$19,223.44. After receipt of a request from plaintiffs’ appraiser to pay the umpire’s
appraisal award, defendant sent a letter dated May 10, 2021, clarifying its position
that it was agreeing to resolve plaintiffs’ claim based upon its own appraiser’s
damage estimate. Plaintiffs filed their action less than three months later, on
August 2, 2021.
The court concludes that a reasonable juror could conclude that defendant’s
words and conduct in response to plaintiffs’ appraisal request and during the
appraisal process waived the limitations period in plaintiff’s policy. The court also
concludes that a reasonable juror could conclude that plaintiffs’ action, filed less
than three months after defendant’s May 10, 2021 letter, was filed within a
reasonable time.
In its reply, defendant, quoting from Trinity Baptist Church v. GuideOne Elite
Ins. Co., 654 F. Supp. 2d 1316, 1321 (W.D. Okla. 2009), asserts that where “Plaintiff
[is] not legally prevented from filing suit, the pendency of the appraisal process
[does] not toll the running of the statute of limitations.” Doc. no. 48, ECF p. 4.
According to defendant, “[n]o one at Liberty told Plaintiffs that the two-year period
was tolled, much less ‘legally prevented them’ from filing suit.” Id. at ECF p. 5.
However, Trinity is factually distinguishable from this case because the appraisal
provision at issue in Trinity stated: “If there is an appraisal, we will still retain our
right to deny the claim.” Trinity, 654 F. Supp. 2d at 1321. Judge Timothy
DeGiusti determined that under Oklahoma law, the insured had no obligation to
await the conclusion of the appraisal process to file suit because the appraisal
provision reserved the question of liability for later decision. Id. Thus, Judge
DeGiusti concluded the appraisal process was not a condition precedent for the
insured to file suit under the policy and thus did not toll the running of the limitations
period.
Here, plaintiffs’ appraisal provision as well as the (erroneously quoted)
appraisal provision relied upon by defendant in agreeing to commence the appraisal
process did not contain any denial of liability or any reservation of the issue of
liability by defendant. And in response to plaintiffs’ appraisal request, defendant
did not deny liability or reserve the issue of liability. The court concludes that the
Trinity decision does not preclude a finding by a reasonable jury that defendant’s
conduct with respect to the appraisal process waived the contractual limitations
period.
B. Merits of Breach of Contract Claim
Defendant challenges plaintiffs’ breach of contract claim as substantively
meritless. Upon review of the record in a light most favorable to plaintiffs, the
court concludes that genuine issues of material fact exist as to whether defendant
breached the insurance policy. See, Digital Design Group, Inc. v. Information
Builders, Inc., 24 P.3d 834, 843 (Okla. 2001) (one of the three elements of a breach
of contract claim is “breach of the contract”). One of those genuine issues of
material fact is whether defendant issued or mailed a check to plaintiffs for
$19,223.44, the amount defendant agreed was owed to them under the policy.
C. Breach of Implied Duty of Good Faith and Fair Dealing Claim
Defendant also challenges plaintiffs’ claim for breach of the implied duty of
good faith and fair dealing, also known as a bad faith claim. A jury may decide the
issue of an insurer’s bad faith if there is evidence that the insurer failed to adequately
investigate the insured’s claim. See, Bannister v. State Farm Mut. Auto. Ins. Co.,
692 F.3d 1117, 1128 (10th Cir. 2012); see also, Buzzard v. Farmers Ins. Co., Inc.,
824 P.2d 1105, 1109 (Okla. 1991) (“To determine the validity of the claim, the
insurer must conduct an investigation reasonably appropriate under the
circumstances.”). Under Oklahoma law, the insurer’s investigation of the insured’s
claim need only be reasonable, not perfect. Shotts, 943 F.3d at 1317.
Consequently, when a bad faith claim is premised on an inadequate investigation,
the insured must make a showing “‘that material facts were overlooked or that a
more thorough investigation would have produced relevant information’ that would
have delegitimized the insurer’s dispute of the claim.” Id. (quoting Bannister, 692
F.3d at 1128, quoting Timberlake Const. Co. v. U.S. Fidelity and Guar. Co., 71 F.3d
335, 345 (10th Cir. 1995)). The evidence of inadequate investigation must
“‘suggest a sham defense or an intentional disregard of uncontrovertible facts[.]’”
Id.
Based upon the record before it, viewed in plaintiffs’ favor, the court
concludes that there is evidence from which a reasonable jury could conclude that
defendant’s adjuster’s two investigations of plaintiffs’ claim, which resulted in a
damage estimate of $748.62, were not reasonable under the circumstances. Indeed,
defendant’s own appraiser estimated wind and hail damage to plaintiffs’ property in
the amount of $132,107.60, of which $18,937.99 alone was for plaintiffs’ home roof
and $1,636.10 was for other items related to plaintiffs’ home. The evidence,
viewed in plaintiffs’ favor, suggests that material facts were overlooked or that a
more thorough investigation would have produced relevant information that would
have delegitimized the insurer’s dispute of the claim. It also suggests a sham
defense or an intentional disregard of unconvertible facts. Therefore, the court
concludes that a genuine issue of material fact exists as to plaintiffs’ bad faith claim
based upon an inadequate investigation of their insurance claim.
Additionally, the court concludes that plaintiffs have raised a genuine issue of
material fact as to whether defendant acted in bad faith in failing to promptly pay
plaintiffs $19,223.44, the amount it agreed it owed under the policy. “In
Oklahoma, ‘a claim must be paid promptly unless the insurer has a reasonable belief
the claim is legally or factually insufficient.’” Shotts, 943 F.3d at 1316 (quoting
Barnes v. Oklahoma Farm Bureau Mut. Ins. Co., 11 P.3d 162, 171 (Okla. 2000));
see also, Buzzard, 824 P.2d at 1109. The evidence in the record, viewed in a light
favorable to plaintiffs, is sufficient for a reasonable jury to find defendant acted
unreasonably in failing to promptly pay plaintiffs the amount it agreed plaintiffs
were owed for their insurance claim.
D. Punitive Damages
Lastly, defendant seeks summary judgment on plaintiffs’ request for punitive
damages on their bad faith claim. Plaintiffs have not responded to defendant’s
motion as to this issue. The court in its discretion deems the issue confessed. See,
LCvR 7.1(g). Upon independent review, the court finds that summary judgment is
appropriate.
Under Oklahoma law, “the availability of punitive damages in a case by an
insured against his/her insurer for breach of the implied duty of good faith and fair
dealing is not automatic, but rather is governed by the standard applicable in other
tort cases.” Badillo v. Mid Century Ins. Co., 121 P.3d 1080, 1106 (Okla. 2005).
“TFlor punitive damages to be allowed there must be evidence, at a minimum, of
reckless disregard toward another’s rights from which malice and evil intent may be
inferred.” Jd. (emphasis omitted).
Upon review of the record in a light most favorable to plaintiffs and
acknowledging the higher standard of clear and convincing evidence that plaintiffs
must satisfy, the court concludes that there is not competent evidence upon which a
reasonable jury could find reckless disregard, from which malice and evil intent by
defendant may be inferred. Therefore, the court concludes that defendant should
be granted summary judgment on plaintiffs’ request for punitive damages with
respect to their breach of the implied duty of good faith and fair dealing claim.
IV.
Conclusion
For the reasons stated, Defendant Liberty Insurance Corporation’s Motion for
Summary Judgment (doc. no. 33) is GRANTED in part and DENIED in part.
This case shall proceed to trial on the April jury trial docket on plaintiffs’ breach of
contract and breach of the implied duty of good faith and fair dealing claims.
Plaintiffs’ request for punitive damages with respect to their breach of the implied
duty of good faith and fair dealing claim will not be submitted to the jury.
DATED this 20" day of January, 2023.

Ab Dail
UNITED STATES DISTRICT JUDGE

21-0843p01 1 docx

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Source: Frix Law Library, https://www.frixlaw.com/law-library/cases/10389991. Public record. Not legal advice.