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Williams v. Allstate Insurance Co.

April 23, 2009

DAVID L. WILLIAMS AND CONNIE M. WILLIAMS, PLAINTIFFS,
v.
ALLSTATE INSURANCE COMPANY; OCWEN LOAN SERVICING, LLC; FIDELITY MORTGAGE; AND AMERICAN SECURITY INSURANCE COMPANY, DEFENDANTS.



The opinion of the court was delivered by: Ambrose, Chief District Judge

OPINION and ORDER OF COURT

SYNOPSIS

Defendant, American Security Insurance Company ("ASIC"), filed a Motion for Summary Judgment. (Docket No. 22). Plaintiffs filed a Brief in Opposition thereto. (Docket 30). Defendant, ASIC, filed a Reply Brief. (Docket No. 32). After careful consideration of the submissions by the parties, ASIC's Motion for Summary Judgment (Docket No. 22) is denied without prejudice

I. Procedural Posture

The above captioned matter was removed to this court on August 20, 2008. (Docket No. 1). After the filing of a Motion to Dismiss by Defendant, Allstate Insurance Company ("Allstate") on September 18, 2008(Docket No. 6), Plaintiff filed a Motion to Amend /Correct Complaint. (Docket No. 12). Leave was granted to filed an Amended Complaint (Docket No. 13), and the Amended Complaint was filed on December 23, 2008. (Docket No. 14). On January 6, 2009, Defendant, Allstate, filed a Motion to Dismiss the Amended Complaint. (Docket No. 17). On March 10, 2009, this court denied the Motion to Dismiss. (Docket No. 29).

An initial case management conference was held on March 6, 2009. (Docket No. 26). All discovery is set to conclude on August 6, 2009. (Docket No. 27).

Prior to the Case Management Conference, on January 30, 2009, Defendant, ASIC, filed a Motion for Summary Judgment. (Docket No. 22). A Response to the Motion for Summary Judgment was filed by Plaintiffs on March 18, 2009. (Docket No. 30). Defendant, ASIC, filed a Reply Brief on March 24, 2009. (Docket No. 32).

II. Relevant Background

Plaintiffs owned a residential piece of property in Mercer County, Pennsylvania. On May 28, 2006, an electrical fire destroyed the house. The only count in the Amended Complaint against Defendant, ASIC, is a claim for declaratory relief seeking a declaration of apportionment for the fire loss claim. (Docket No. 14, Count III). Defendant, ASIC, has filed a Motion for Summary Judgment seeking a declaration that there is no coverage for the loss at issue under Defendant, ASIC's, policy and that the Amended Complaint against Defendant, ASIC, be dismissed. (Docket No. 26).

II. Analysis

A. Standard of Review

Summary judgment may only be granted if the pleadings, depositions, answers to interrogatories, and admissions on file, together with the affidavits, if any, show that there is no genuine issue as to any material fact and that the moving party is entitled to judgment as a matter of law. Fed. R. Civ. P. 56(c). Rule 56 mandates the entry of summary judgment, after adequate time for discovery and upon motion, against the party who fails to make a showing sufficient to establish the existence of an element essential to that party's case, and on which that party will bear the burden of proof at trial. Celotex Corp. v. Catrett, 477 U.S. 317, 322 (1986).

In considering a motion for summary judgment, this Court must examine the facts in a light most favorable to the party opposing the motion. International Raw Materials, Ltd. v. Stauffer Chemical Co., 898 F.2d 946, 949 (3d Cir. 1990). The burden is on the moving party to demonstrate that the evidence creates no genuine issue of material fact. Chipollini v. Spencer Gifts, Inc., 814 F.2d 893, 896 (3d Cir. 1987). The dispute is genuine if the evidence is such that a reasonable jury could return a verdict for the non-moving party. Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248 (1986). A fact is material when it might affect the outcome of the suit under the governing law. Id. Where the non-moving party will bear the burden of proof at trial, the party moving for summary judgment may meet its burden by showing that the evidentiary materials of record, if reduced to admissible evidence, would be insufficient to carry the non-movant's burden of proof at trial. Celotex, 477 U.S. at 322.

Once the moving party satisfies its burden, the burden shifts to the nonmoving party, who must go beyond its pleadings, and designate specific facts by the use of affidavits, depositions, admissions, or answers to interrogatories showing that there is a genuine issue for trial. Id. at 324. Summary judgment must therefore be granted "against a party who fails to make a showing sufficient to establish the existence of an element essential to that party's case, and on which that party will bear the ...


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