R. DAVID PROCTOR, District Judge.
This case is before the court on Defendant Automobile Insurance Company of Hartford, Connecticut's Motion for Summary Judgment (Doc. 34), filed November 19, 2014. The Motion has been fully briefed. (Docs. 35, 38, 39). The only claim remaining before the court is Count Five of Plaintiff's Complaint for breach of contract. (See Doc. 1, Ex. A, Pl. Compl. ¶¶ 36-38; Doc. 12 (dismissing all other counts)). Specifically, Plaintiff alleges in that count that Defendant unlawfully breached its contract with her (i.e., Defendant is in breach of obligations imposed by Plaintiff homeowner's insurance policy covering certain property Plaintiff owned) after a fire loss in July 2007. For the purposes of this Motion, Defendant argues that, because Plaintiff rented out the insured premises and failed to satisfy certain of her post-loss obligations, Plaintiff is not entitled to recover under that insurance policy.
After careful review of Defendant's Motion (Doc. 34), along with the briefs and submissions filed in connection with it, and for the reasons outlined in this opinion, the court concludes that there are no material issues of fact in this case and that Defendant is entitled to summary judgment on Plaintiff's breach of contract claim as a matter of law. Accordingly, Defendant's Motion is due to be granted, and Plaintiff's case is due to be dismissed with prejudice.
Under Federal Rule of Civil Procedure 56(c), summary judgment is proper "if the pleadings, depositions, answers to interrogatories, and admissions on file, together with the affidavits, if any, show that there
The substantive law will identify which facts are material and which are irrelevant. See Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248, 106 S.Ct. 2505, 91 L.Ed.2d 202 (1986). All reasonable doubts about the facts and all justifiable inferences are resolved in favor of the nonmovant. See Fitzpatrick v. City of Atlanta, 2 F.3d 1112, 1115 (11th Cir.1993). A dispute is genuine "if the evidence is such that a reasonable jury could return a verdict for the nonmoving party." Anderson, 477 U.S. at 248, 106 S.Ct. 2505. If the evidence is merely colorable, or is not significantly probative, summary judgment may be granted. See id. at 249, 106 S.Ct. 2505.
Plaintiff owned a house located on 2407 Longbow Drive in Birmingham, Alabama (the "Property"), but she had not lived there since 2004 when she moved into her
Despite the fact that Plaintiff had not resided at the Property since 2004, Plaintiff continued to purchase and renew an AICH homeowner's insurance policy on the Property (the "AICH policy"), which ran through August 6, 2007. (Doc. 36, Ex. I, AICH Policy). The AICH policy only provides coverage for the insured's "residence premises," which it defines as "the one or two family dwelling, other structures, and grounds or that part of any other building where you reside and which is shown as the `residence premises' in the Declarations." (Id. at 2 of 21 (emphasis added)). Plaintiff is the named insured under the AICH policy, and the policy defines "you" and "your" as the named insured. (Id. at 1 of 21). The Declarations page of the AICH policy lists the location of the "Residence Premises" as 2407 Longbow Drive, Birmingham, Alabama, 35214. (Doc. 36, Ex. I, Declarations, at 1 of 2).
The AICH policy excludes coverage for personal property owned by an insured, if that "property [is] contained in an apartment regularly rented or held for rental to others by any insured" or that "property [is] rented or held for rental to others away from the residence premises." (Doc. 36, Ex. I, AICH Policy, at 4 of 21). In addition, the AICH policy contains certain limitations for property used for business purposes. (See, e.g., id. at 3 of 21). Defendant argues that, as amended by policy forms HA-300 AL (12-02) and 55621 (06-99), its liability is limited to $1,250 for Plaintiff's personal property used for business purposes. (See Doc. 36, Ex. I, HA-300 AL (12-02), at 1 of 4; Doc 36, Ex. I, 55621 (06-99), at 1 of 4).
In Plaintiff's Objection to Summary Judgment, Plaintiff claims that, before renting out her Property, she contacted an insurance agent at Clark and Associates. (Doc. 38 at 2).
On July 23, 2007, six days before the fire, Reese arrived home to the Property to find the back door unlocked, lighter fluid poured over the kitchen counter, and the stove on. (Doc. 36, Ex. C, Reese Dep.
On July 24, 2007, five days before the fire, the Property was foreclosed. (Doc. 36, Ex. N, Foreclosure Deed). Initially, Plaintiff argued that she was unaware that the house was going through foreclosure proceedings at the time of the fire. (Doc. 36, Ex. B, Pl. Dep. 93:4-17; Doc. 36, Ex. F, Pl. EUO 121:14-18). However, the record shows that on July 17, 2007, Plaintiff actually attended a hearing at which she voluntarily and orally dismissed a complaint that she had filed to stop the foreclosure proceedings. (Doc. 36, Ex. Q, Order of Dismissal, July 20, 2007; see also Doc. 36, Ex. P, Compl. for Injunctive Relief to Stop Foreclosure, June 25, 2007 (filed by Plaintiff)). Furthermore, it is undisputed that, at the time of the fire, Plaintiff and her husband, Al Morton, were in bankruptcy. (Doc. 36, Ex. H, Pl. Bankr. Petition; Doc. 36, Ex. K, Al Morton Bankr. Petition).
On July 29, 2007, a fire occurred at the Property while Reese and her children were away. (Doc. 36, Ex. A, Fire Dep't Rep.; Doc. 36, Ex. C, Reese Dep. 85:2-3, 87:4-10). Due to the suspicious circumstances surrounding the fire, Defendant investigated the incident and conducted testing on multiple samples from different areas of the house, which showed the presence of accelerants, including gasoline. (Doc. 36, Ex. J, Lab. Analysis). Based on its investigation, Defendant concluded the fire was intentionally set. (See Doc. 34 at ¶ 1).
On October 26, 2007, Defendant conducted the requested EUOs. (Doc. 36, Ex. F, Pl. EUO 2:1-5; Doc. 36, Ex. T, Al Morton EUO 2:1-5). During Plaintiff's EUO, Defendant's counsel reminded Plaintiff of her obligation to sign the witness certification and errata sheet for the EUO before a notary and return it to Defendant as a condition to recovery. (Doc. 36, Ex. F, Pl. EUO 6:25-7:2). Defendant also requested that Plaintiff produce certain additional items for use in its investigation, including (1) payroll information from her employment at Crossroads of Intervention, Plaintiff's family-owned company (id. at 21:7-12), (2) a copy of Crossroads' 501(C)(3) report (as it is allegedly a family-owned, nonprofit organization) (id. at 22:14-16), (3) loan documents for a consumer loan from that was outstanding at the time of the loss (id. at 33:23-34:3), (4) records regarding conversations with her insurance agent regarding the Property (id. at 39:13-17), (5) her "house file," which Plaintiff claimed contained documents regarding the rental of the Property and her personal property within the house (id. at 40:24-41:8), (6) certain Section 8 paperwork regarding her request for increase in rent (id. at 44:2-45:3), (7) contact information for the person Plaintiff claims was to perform work on the Property and was the excuse Plaintiff provided to be at the property around the time of the fire (id. at 52:16-23), (8) Section 8 inspection documents (id. at 55:17-56:3), (9) banking records regarding Plaintiff's financial condition and alleged ownership of personal property (id. at 74:15-75:16), (10) receipts for personal property items in question (id. at 102:17-21), and (11) contact information for an individual who Plaintiff claims gave her a $4700 television (id. at 111:13-20).
On December 14, 2007, Defendant sent Plaintiff a letter setting out a list of twenty items requested during the EUO, including the above-enumerated items. (Doc. 36, Ex. U, Def. Letter to Pl., Dec. 14, 2007, at 2-3). Defendant's letter also enclosed a copy of the EUO and instructed Plaintiff to sign the witness certification and errata sheet and return them to Defendant as conditions to coverage under the AICH policy. (Id.). Having not received a response from Plaintiff, Defendant again sent a letter to Plaintiff on February 27, 2008, checking on the status of the documents and the completion of the errata sheet. (Doc. 36, Ex. V, Def. Letter to Pl., Feb. 27, 2008, at 2). On May 19, 2008, Defendant again wrote to Plaintiff, through her counsel, acknowledging receipt
By February 9, 2010, Defendant still had not received any further communication from Plaintiff or her counsel, and had not received any of the requested information, documents, or signed EUO. (Doc. 36, Ex. X, Claim Denial, Feb. 9, 2010, at 3). Accordingly, Defendant wrote to Plaintiff on February 9, 2010, declining her claim as a result of her noncompliance with the conditions precedent to coverage. (Id.).
Prior to Plaintiff's filing this action, almost six years after the fire, Defendant still had never received a copy of Plaintiff's signed EUO or many of the other information and documents it requested throughout its investigation. (See Doc. 36, Ex. Y, Alexander Aff. ¶¶ 5-7; Doc. 36, Ex. B, Pl. Dep. 179:2-16).
Plaintiff filed this action in state court on July 19, 2013. (Doc. 1). Defendant thereafter removed the action to this court. (Id.).
After a careful review of Defendant's Motion for Summary Judgment (Doc. 34), along with the briefs and submissions filed in connection with it, and for the reasons outlined in this opinion, the court concludes that Defendant is entitled to summary judgment on Plaintiff's breach of contract claim as a matter of law.
The AICH policy in this case simply does not provide coverage to Plaintiff, and Defendant is entitled to summary judgment as a matter of law on Plaintiff's breach of contract claim. As Defendant notes, that the AICH policy does not provide coverage for the Property because she did not reside at the dwelling at the
Plaintiff does not dispute that the plain language of the insurance contract simply does not permit recovery of the insurance proceeds she seeks in this action. Under Alabama law, general rules of contract law govern an insurance contract. Safeway Ins. Co. of Ala. v. Herrera, 912 So.2d 1140, 1143 (Ala.2005). Courts must enforce unambiguous insurance policy provisions as written. Id. Whether a provision of an insurance policy is ambiguous is a question of law. Id. In this case, as a matter of law, the subject policy is unambiguous.
The AICH policy only provides coverage for "the dwelling on the residence premises shown in the Declarations used principally as a private residence...." (Doc. 36, Ex. I, AICH Policy, at 2 of 21). The AICH policy defines "residence premises" as "the one or two family dwelling, other structures and grounds or that part of any other building where you reside and which is shown as the `residence premises' in the Declarations." (Id. at 2 of 21 (emphasis added)). The AICH policy defines "you" as the named insured listed in the Declarations, which is Tawanna Morton. (Id. at 1 of 21; see Doc. 36, Ex. I, Declarations, at 1 of 2). The property referenced as the "residence premises" in the Declarations is 2407 Longbow Drive, Birmingham, Alabama. (Doc. 36, Ex. I, Declarations, at 1 of 2).
Courts addressing substantially similar language, under Alabama law, have concluded that homeowners who rent their property but do not reside there are not covered. See, e.g., Country Cas. Ins. Co. v. Massey, 2010 WL 5579881, at *2-4 (M.D.Ala. Dec. 20, 2010)
In July 2007, at the time of the fire, it is undisputed that Plaintiff did not principally reside on the Property. (Doc. 36, Ex. B, Pl. Dep. 46:7-11, 63:4-7). In fact, Plaintiff has not resided at the Property since 2004 when she began renting the Property. (Id. at 47:8-14, 48:1120). Because Plaintiff did not reside at the Property at the time of the fire, the Property was not Plaintiff's "residence premises," and as Plaintiff's policy only provides dwelling coverage to the "residence premises," Defendant's failure to pay Plaintiff's claim did not breach the insurance contract.
As discussed above, Defendant has properly demonstrated that, as a matter of law, Plaintiff was not covered by the terms of the AICH policy for her fire loss. Therefore, to survive summary judgment, Plaintiff must now come forward with more than mere allegations and present specific factual evidence rebutting Defendant's Motion (Doc. 34). See Gargiulo, 131 F.3d at 999 (facing a "properly supported motion for summary judgment, [the nonmoving party] must come forward with specific factual evidence, presenting more than mere allegations.").
Plaintiff's Objection to Motion for Summary Judgment argues that, notwithstanding that the plain language of the AICH policy makes clear that it does not cover Plaintiff's loss, Defendant "bears liability in its contract with the Plaintiff and is bound by the `agreement' made by its agent." (Doc. 38 at 2-3).
Even if the AICH policy did not, by its terms, cover Plaintiff's fire loss, Plaintiff argues that Defendant "bears liability in its contract with the Plaintiff and is bound by the `agreement' made by its agent." (Doc. 38 at 2-3 (emphasis added)). Thus, the question at issue is whether Plaintiff has presented sufficient factual evidence that Plaintiff entered into an oral contract with an agent of Defendant such that she
Under Alabama law, only a "general agent" has "authority to transact all of the business of the principal, of a particular kind, or in a particular case." Wash. Nat'l Ins. Co. v. Strickland, 491 So.2d 872, 874 (Ala.1985) (citing S. States Fire Ins. Co. v. Kronenberg, 199 Ala. 164, 74 So. 63, 67 (1917)). The powers of a general agent are "coextensive with the business entrusted to his care, authorizing him to act for the principal in all matters coming within the usual and ordinary scope and character of such business." Id. (citation omitted). A general agent has full power to bind the insurer to the agent's contract of insurance or to issue policies or to accept risks. Id. (citing McGhee v. Paramount Life Ins. Co., 385 So.2d 969 (Ala.1980)). Ultimately, a general agent "stands in the shoes" of the principal for the purpose of transacting business entrusted to him.
On the other hand, an insurance company also has the right to employ agents with limited authority. Wash. Nat. Ins. Co., 491 So.2d at 874 (citing Robinson v. Aetna Ins. Co., 128 Ala. 477, 30 So. 665 (1901)). A "special agent," as distinguished from a "general agent," is authorized to act for the principal only in a particular transaction, or in a particular way. Id. In the insurance context, the most prevalent type of special agent is the "soliciting agent." Id. A soliciting agent, unlike a general agent, has no power to bind his insurer principal in contract. Watson v. Prudential Ins. Co., 399 So.2d 285 (Ala.1981).
Facing Defendant's properly supported Motion for Summary Judgment (Doc. 34), in order for Plaintiff to succeed on her oral contract theory, at a minimum, Plaintiff must offer substantial evidence that indicates both that Defendant's general agent entered into an oral contract with Plaintiff and that the agent had the authority to do so. Gargiulo v. G.M. Sales, Inc., 131 F.3d 995, 999 (11th Cir.1997) (facing a "properly supported motion for summary judgment, [the nonmoving party] must come forward with specific factual evidence, presenting more than mere allegations" (quoting Celotex, 477 U.S. at 323-34, 106 S.Ct. 2548)). However, the Rule 56 record is entirely devoid of any evidence — much less substantial evidence — which supports the theory that Clark and Associates is Defendant's "general" agent. Neither Plaintiff's pleadings nor her briefs allege facts tending to suggests that Clark and Associates were at any relevant time acting as general agents for Defendant.
Plaintiff testified that she spoke with someone, presumably at Clark and Associates, before renting out her property under Section 8. (Doc. 36, Ex. B, Pl. Dep. 51:2-12; see also Doc. 36, Ex. F, Pl. EUO 40:7-19). Plaintiff alleges only that she questioned a representative regarding the scope of her then-existing coverage. (Doc. 36, Ex. B, Pl. Dep. 51:2-19). Plaintiff has not identified the agent with whom she spoke at Clark and Associates, nor has she pointed to any other conversations regarding her rental agreement with Defendant or any person at Clark and Associates. (Id. at 49:16-18, 52:7-11; see also Doc. 36, Ex. F, Pl. EUO 40:16-19). Plaintiff has not offered even a summary argument that Clark and Associates, or any of its employees, acted as "general agents" for Defendant. Accordingly, even construing every ambiguity in Plaintiff's favor, Plaintiff has not identified any Rule 56 evidence that tends to support the ambiguous statement offered in her Objection to Motion for Summary Judgment that she reached an "agreement" with a representative at Clark and Associates. (Doc. 38 at 3; see Doc. 36, Ex. B, Pl. Dep. 49:6-52:11).
Because Plaintiff has not offered any specific factual evidence tending to show
Plaintiff's arguments regarding waiver, enlargement and estoppel are, at best, unclear.
Alabama law is clear, "[c]overage under an insurance policy cannot be created or enlarged by waiver or estoppel and, if there is no ambiguity, it is the duty of the court to enforce the policy as written." Home Indem. Co. v. Reed Equip. Co., 381 So.2d 45, 50-51 (Ala.1980). While limitations on coverage are interpreted as narrowly as possible to provide the maximum allowable coverage to the insured, courts may not rewrite the terms of a policy or interpret unambiguous policy language so as to provide coverage that was not intended by the parties. See Canal Ins. Co. v. Old Republic Ins. Co., 718 So.2d 8, 12 (Ala.1998) (citations omitted). The doctrine of estoppel "is not available to bring within the coverage of a policy risks not covered by its terms or risks expressly excluded therefrom." Woodall v. Alfa Mut. Ins. Co., 658 So.2d 369, 372 (Ala. 1995) (citing Home Indem. Co. v. Reed Equipment Co., 381 So.2d 45, 50-51 (Ala. 1980); Johnson v. Allstate Ins. Co., 505 So.2d 362, 365 (Ala.1987); McGee v. Guardian Life Ins. Co., 472 So.2d 993, 995-96 (Ala.1985)).
For example, in Canal Insurance Co., the Alabama Supreme Court held that an insured was without coverage where an insurance agent allegedly told him that three of his trailers would be covered by a policy because the court concluded the policy was unambiguous in its terms not providing coverage. 718 So.2d at 13; see also S. United Life Ins. Co. v. Gregory, 508 So.2d 247, 249 (Ala.1987) (holding "representations made by an agent who solicited the policy are inadmissible to vary the terms of the writings, since in the absence of fraud or mistake such statements are merged into the written contract"). Similarly, in Woodall, the plaintiff alleged that, in response to his questions concerning coverage of a commercial general liability insurance policy of claims arising from the insured's sale of alcohol, the defendant-insurance company's agents made statements contradicting the plain language of the plaintiff's policy. The Alabama Supreme Court held that because the policy unambiguously excluded coverage for claims arising from the insured's sale of alcohol, the insured could not sustain an argument of waiver or estoppel. Woodall, 658 So.2d at 372.
Finally, "Alabama follows [a] rule of exclusion regarding parol evidence in interpreting insurance contracts." S. United Life Ins. Co., 508 So.2d at 249. "In an action to recover on a written contract of insurance, parol evidence is not admissible to aid in the construction of an unambiguous insurance policy." Id. (citation
In June 2007, one month before the fire, Plaintiff claims she renewed her AICH policy, thereby adopting the terms as laid out therein. (Doc. 38 at 2). As discussed in more detail above, the relevant provisions of that policy are unambiguous and unchallenged. These provisions left Plaintiff without homeowner's coverage when she rented her house and resided elsewhere. Therefore, because — absent allegations of fraud
The parties' filings make clear that the undisputed Rule 56 record evidence demonstrates that Plaintiff did not comply with conditions precedent to assert coverage under the AICH policy; therefore, Plaintiff cannot maintain her breach-of-contract claim against Defendant. That is, Defendant has pointed to evidence in the Rule 56 file showing that Plaintiff has failed to satisfy the "duties after loss" provisions of the AICH policy. And, although Plaintiff has attempted to create a factual dispute regarding her compliance with the provision, all she has done is assert mere conclusions and unsupported factual allegations; thus, her efforts have failed.
Under Alabama law, where an insured fails to comply with a condition precedent to recovery under an insurance contract, the insured cannot sustain a breach of contract claim. See, e.g., Nationwide Ins. Co. v. Nilsen, 745 So.2d 264, 269 (Ala.1998); Akpan v. Farmers Ins. Exchange, Inc., 961 So.2d 865, 872 (Ala. Civ.App.2007). Simply put, "an insured must comply with his or her post-loss obligations when the insured is making a claim upon the insurer, and meeting those obligations is a precondition to any duty on the part of the insurer to make a loss payment." Baldwin Mut. Ins. Co. v. Adair, Case No. 1100872, ___ So.3d ___, ___, 2014 WL 4851516, at *11 (Ala. Sept. 30, 2014) (citations omitted). Accordingly, an insurer's "obligation to pay or evaluate the validity of the claim does not arise until the insured has complied with the terms of the contract with respect to submitting claims." Id. (citing United Ins. Co. of Am. v. Cope, 630 So.2d 407, 411 (Ala.1993)).
Courts routinely uphold "duties after loss" provisions obliging insureds to furnish information and documents to the insurer. Hillery v. Allstate Indem. Co., 705 F.Supp.2d 1343, 1362 (S.D.Ala.2010); see, e.g., Nationwide Ins. Co., 745 So.2d at 267 ("An insurance company is entitled to require an insured to submit to an [EUO] as part of its claims investigation process.
In this case, the AICH policy contains specific "duties after loss" provisions. (Doc. 36, Ex. I, AICH Policy, at 11 of 21). Included in those duties, Plaintiff was required to provide Defendant with various records and documents and submit to an EUO. (Id.). The AICH policy specifically provided that the insured must sign the EUO. (Id.). Further, the AICH policy provides: "No action shall be brought UNLESS THERE HAS BEEN COMPLIANCE WITH THE POLICY PROVISIONS." (Id. at 13 of 21) (emphasis in original).
Plaintiff does not dispute that her failure to comply with the "duties after loss" provisions would preclude her recovery under the AICH policy; rather, she argues that she (or her representatives) have fully complied with the provisions by providing Defendant with all of the information and documents it requested, at least three times. (Doc. 38 at 1-2). However, the undisputed Rule 56 record demonstrates that Plaintiff has not fully — or, for that matter, sufficiently — complied with Defendant's requests.
Defendant has presented extensive evidence supporting its allegation that Plaintiff has failed to satisfy the conditions precedent of the AICH policy. During the course of Defendant's investigation, Plaintiff failed to provide signed answers to the EUO and a majority of the documents Defendant required. Defendant's letters to Plaintiff on September 21, 2007, December 14, 2007, February 27, 2008, May 19, 2008, and February 9, 2010, catalogue Defendant's numerous attempts to solicit this information from Plaintiff. (Doc. 36, Exs. U, V, W, X; see also Doc. 36, Ex. F, Pl. EUO (requesting repeatedly, during the EUO, Plaintiff's production of certain items for use in its investigation)). Throughout this saga, Plaintiff either failed to respond (see Doc. 36, Ex. V, Def. Letter to Pl., Feb. 27, 2008, at 2), or gave Defendant only partial responses (see Doc. 36, Ex. W, Def. Letter to Pl., May 19, 2008, at 2). Finally, more than two years after Plaintiff's EUO and Defendant's initial requests for information, Defendant declined Plaintiff's claim as a result of her noncompliance with the conditions precedent to coverage. (Doc. 36, Ex. X, Claim Denial, Feb. 9, 2010, at 3). Defendant offers a sworn affidavit asserting that, before Plaintiff filed suit, Defendant never received the signed EUO or certain other requested documentation. (Doc. 36, Ex. Y, Alexander Aff. ¶¶ 7-9).
Conversely, Plaintiff has presented no substantial evidence, at all, which contradicts Defendant's claims or that supports her conclusory allegations that she complied with the conditions precedent. Plaintiff's Objection to Motion for Summary Judgment boldly claims that Plaintiff provided Defendant a signed EUO and "all documents requested ... at least three times." (Doc. 38 at 1-2). The Rule 56 record does not support Plaintiff's bald assertion.
In an apparent attempt to support her contention (that she provided Defendant
Accordingly, Plaintiff has not offered any substantial evidence contradicting Defendant's sworn affidavit stating that it never received a signed EUO. Plaintiff's failure to simply sign and submit the EUO is alone sufficient for the court to conclude that Plaintiff failed to comply with the conditions precedent to recovery under the AICH policy. But there is more.
Although the EUO is the only document at issue that Plaintiff specifically references in her responsive brief, the undisputed Rule 56 record shows that Plaintiff also failed to provide as many as ten categories of documents and information that Defendant requested. Plaintiff has testified that she has no personal knowledge or evidence that any of these requested documents were ever provided to Defendant. (Doc. 36, Ex. B, Pl. Dep. 192:17-202:11). A letter submitted by Plaintiff, through a previous attorney, indicates that, based on Plaintiff's testimony in the EUO, "it is obvious [Defendant] is in possession of this material." (Doc. 38, Ex. A, Goldasich Letter, June 11, 2010). Importantly, in the letter, Plaintiff does not claim that she submitted the requested materials to Defendant, nor does Plaintiff's letter indicate she, or her representatives, had any knowledge that Defendant had the requested materials (beyond, of course, the assumptions it made from Plaintiff's questioning in the EUO).
Moreover, the court notes that on June 11, 2010, Defendant responded to Plaintiff clarifying that it did not have the requested materials, and that Plaintiff's stated assumptions were mistaken. (Doc. 36, Ex. 2 to Pl. Dep., Def. Letter to Pl., Aug. 17, 2010, at 78 of 82). Having reviewed the EUO transcript, the court finds Plaintiff's "assumptions" untenable and, even more importantly, wholly unsupported by the undisputed Rule 56 evidence. Plaintiff has not indicated, nor can the court find, where Defendant acknowledged it had the information it had previously requested. Of course, even if Defendant was in possession of certain requested material, without more, that would not release Plaintiff from her obligation to satisfy her duties after loss.
Other than Plaintiff's conclusory allegations, no evidence (much less substantial evidence) supports her claim that she, or her representative, ever submitted the information and documents that Defendant has requested. Plaintiff's unsupported assertions cannot be used to defeat Defendant's Motion (Doc. 34). Holifield v. Reno, 115 F.3d 1555, 1564 n. 6 (11th Cir. 1997) (holding plaintiff's "conclusory assertions..., in the absence of [admissible] supporting evidence, are insufficient to withstand summary judgment."). Consequently, to survive Defendant's properly supported motion for summary judgment, Plaintiff is required to produce "sufficient [favorable] evidence" which would be admissible at trial supporting her claims. Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 249, 106 S.Ct. 2505, 91 L.Ed.2d 202 (1986); Rule 56(e)(1), Federal Rules of Civil Procedure. "If the evidence [on which the nonmoving party relies] is merely colorable ... or is not significantly probative... summary judgment may be granted." Id. at 249-50, 106 S.Ct. 2505. "A mere `scintilla' of evidence supporting the opposing party's position will not suffice; there must be enough of a showing that the [trier of fact] could reasonably find for that party." Walker v. Darby, 911 F.2d 1573, 1576-77 (11th Cir.1990) (quoting Anderson, 477 U.S. 242, 106 S.Ct. 2505 (1986)). Conclusory allegations based on subjective beliefs are likewise insufficient to create a genuine issue of material fact and, therefore, do not suffice to oppose a motion for summary judgment. Waddell v. Valley Forge Dental Assocs., Inc., 276 F.3d 1275, 1279 (11th Cir.2001); Holifield, 115 F.3d at 1564 n. 6; Harris v. Ostrout, 65 F.3d 912, 916 (11th Cir.1995) (grant of summary judgment appropriate where inmate produces nothing beyond "his own conclusory allegations" challenging actions of the defendants); Fullman v. Graddick, 739 F.2d 553, 557 (11th Cir.1984) ("mere verification of party's own conclusory allegations is not sufficient to oppose summary judgment...."). Hence, when a plaintiff fails to set forth specific facts supported by requisite evidence sufficient to establish the existence of an element essential to his case and on which the plaintiff will bear the burden of proof at trial, summary judgment is due to be granted in favor of the moving party. Celotex, 477 U.S. at 322, 106 S.Ct. 2548 ("[F]ailure of proof concerning an essential element of the nonmoving party's case necessarily renders all other facts immaterial."); Barnes v. Southwest Forest Industries, Inc., 814 F.2d 607, 609 (11th Cir. 1987) (if on any part of the prima facie case the plaintiff presents insufficient evidence to require submission of the case to the trier of fact, granting of summary judgment is appropriate). Because the undisputed Rule 56 record shows that Plaintiff did not comply with conditions precedent to coverage under the AICH policy, Plaintiff cannot sustain her breach of contract claim.
Even if the court were to construe the AICH policy as providing some form of coverage to Plaintiff at the time of the fire loss, the policy does not provide coverage for Plaintiff's personal property claim. Included in the list of personal property that the policy does not cover is "[p]roperty contained in an apartment regularly rented or held for rental to others by the insured." (Doc. 36, Ex. I, AICH Policy, 4 of 21). Thus, Defendant argues that the plain terms of the policy exclude from coverage any personal property held on the property if it is regularly held out for rental. The court agrees.
Finally, and alternatively, because Plaintiff has not addressed Defendant's argument that the AICH policy does not provide coverage to Plaintiff for her personal property, Plaintiff is deemed to have abandoned this point. See Wilkerson v. Grinnell Corp., 270 F.3d 1314, 1322 (11th Cir. 2001) (finding claim abandoned, and affirming grant of summary judgment, as to claim presented in complaint but not raised in initial response to motion for summary judgment); Coalition for the Abolition of Marijuana Prohibition v. City of Atlanta, 219 F.3d 1301, 1325 (11th Cir. 2000) (finding claim abandoned where it was not briefed and argued in district court in party's response to motion for summary judgment or in party's own motion for summary judgment); see also Brasseler, U.S.A. I, L.P. v. Stryker Sales Corp., 182 F.3d 888, 892 (11th Cir.1999) (affirming "the unremarkable position that assertions made in the pleadings (e.g., complaint or answer), but not made in opposition to a motion for summary judgment, need not be considered by the district court or the appellate court in ruling on the motion for summary judgment"); Resolution Trust Corp. v. Dunmar Corp., 43 F.3d 587, 599 (11th Cir.1995) ("In opposing a motion for summary judgment, `a party may not rely on his pleadings to avoid judgment against him.' There is no burden upon the district court to distill every potential argument that could be made based upon the materials before it on summary judgment. Rather, the onus is upon the parties to formulate arguments; grounds alleged in the complaint but not relied upon in summary judgment are deemed abandoned."). Accordingly, with respect to this aspect of Plaintiff's breach of contract claim, Defendant is entitled to summary judgment.
For the reasons outlined above, Defendant's Motion for Summary Judgment (Doc. 34) is due to be granted. Plaintiff has failed to create any genuine issue of material fact as to her breach of contract claims. Accordingly, Plaintiff's claims are due to be dismissed with prejudice.
A separate order will be entered in accordance with this Memorandum Opinion.
Furthermore, Appendix II to the court's Initial Order (Doc. 5) sets forth the court's Summary Judgment Requirements. Appendix II specifically notes that "briefs and evidentiary materials that do not conform to the following requirements may be stricken." (Doc. 5 at 17). Appendix II requires that all "briefs ... begin with a statement of allegedly undisputed relevant material facts set out in separately numbered paragraphs. Counsel must state facts in clear, unambiguous, simple, declarative sentences. All statements of fact must be supported by specific reference to evidentiary submissions." (Doc. 5 at 12) (emphasis added). Appendix II requires that in responsive briefs, "[t]he first section must consist of only the non-moving party's disputes, if any, with the moving party's claimed undisputed facts. The non-moving party's response to the moving party's claimed undisputed facts shall be in separately numbered paragraphs that coincide with those of the moving party's claimed undisputed facts. Any statements of fact that are disputed by the non-moving party must be followed by a specific reference to those portions of the evidentiary record upon which the dispute is based.
In doing so, the court does not ignore its previous Order (Doc. 32), entered November 13, 2014. Plaintiff's alleged conversation with Clark and Associates was one of the subjects of Defendant's Motion to Compel (Doc. 19) and Motion for Enforcement of Order and Sanctions (Doc. 24). Plaintiff testified, under oath, that she had recordings of this alleged conversation. However, when the court granted Defendant's Motion to Compel, Plaintiff failed to produce anything. When Defendant sought sanctions and enforcement of the court's order, the court granted its Motion in part, prohibiting Plaintiff from "relying on subjects of discovery" (i.e., the alleged recording) that she failed to produce. (Doc. 32). However, the court only prevented Plaintiff from later submitting the recording into evidence, without leave from the court. The court did not rule that Plaintiff is barred from relying on the conversation. In her brief, Plaintiff referenced the conversation, not the recording; therefore, Plaintiff has not violated the court's Order (Doc. 32).
