SERVICE STEEL WAREHOUSE CO LP et al v. ACE AMERICAN INSURANCE COMPANY Complaint
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Transcript of SERVICE STEEL WAREHOUSE CO LP et al v. ACE AMERICAN INSURANCE COMPANY Complaint
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UNITED STATES DISTRICT COURTSOUTHERN DISTRICT OF TEXAS
HOUSTON DIVISION
SERVICE STEELWAREHOUSE CO., L.P. andCOASTAL REALTY, L.L.C.
Plaintiffs,
VS.
CAUSE NO:
ACE AMERICANINSURANCE COMPANY
Defendant. JURY TRIAL REQUESTED
ORIGINAL COMPLAINT TO THE HONORABLE UNITED STATES DISTRICT COURT:
Plaintiffs Service Steel Warehouse Co., L.P. (Service Steel) and Coastal Realty, L.L.C.
(Coastal) file their Original Complaint against Ace American Insurance Company (ACE), and
in support thereof would show as follows:
I. P ARTIES :
1. Service Steel is a Texas limited partnership with its principal place of business at
8415 Clinton Drive, Houston, Texas.
2. Coastal is a Texas limited liability corporation with its principal place of business at
1740 Wroxton Court, Houston, Texas.
3. ACE is a foreign insurance company which is licensed in Texas and regularly
conducts business in Texas. It is believed to be domiciled in Switzerland, with its principal place
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of business in Switzerland and its U.S. headquarters in Philadelphia, Pennsylvania. However, it
may be a Pennsylvania domicile in addition to having its U.S headquarters in Philadelphia. ACE
may be served by serving its registered agent for service of process, Robin M. Mountain, 6600
Campus Circle Drive East, Suite 300, Irving, TX 75063-2732.
II . J URISDICTION AND V ENUE :
4. This Court has diversity jurisdiction under 28 U.S.C. 1332(a)(1) or (2), as the
parties are citizens of different states or citizens of a state and a foreign nation. The amount in
controversy exceeds $75,000.00. Venue is proper pursuant to 28 U.S.C. 1391, as the Hurricane
Ike damage that is the basis of this dispute occurred in this district.
III. N ATURE OF THE C ASE ; R ELIEF S OUGHT
5. This is a first-party insurance coverage case stemming from extensive damage to
Coastals property and Service Steels business caused by Hurricane Ike. Plaintiffs seek a
declaration that their property damage and business interruption losses are covered by an insurance
policy issued by ACE. Plaintiffs also seek damages for breach of contract, violations of the TexasInsurance Code, and common law bad faith. Finally, plaintiffs seek their attorneys fees, costs of
court and pre- and post-judgment interest.
IV. B ACKGROUND F ACTS :
6. Service Steel and Coastal. Service Steel is a full-service, independent, carbon
structural steel distributor operating in the United States and internationally. It operates out of an
office building, a large warehouse building (consisting of six separate bay areas) and a smaller
warehouse building, all adjacent to the Houston Ship Channel at 8415 Clinton Drive. All three
buildings are owned by Coastal.
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7. Insurance coverage. Plaintiffs insured the Clinton Drive property and contents and
the business with an insurance policy issued by ACE, no. EPRN05057942, with effective dates of
6/01/08 to 6/01/09 (the Policy). Service Steel is the named insured; Coastal is a loss payee as its
interests may appear. A copy of the Policy (as modified by endorsements) is attached as Exhibit A
to this Complaint. Before accepting its premium, ACE had every right and opportunity to inspect
the property to ascertain the age and condition of the buildings.
8. As concerns this complaint, the Policy provides two vital coverages:
(a) all risk property damage coverage with overall limits for the buildings of
$2,550,000 (subject to certain deductibles and sub-limits); and
(b) business income and extra expense coverage (collectively, the business
interruption coverage) in the amount of $1,000,000.
9. Hurricane Ike. On the night of September 13/14, 2008, Hurricane Ike struck the
Houston area, and devastated the Ship Channel and adjacent properties. Plaintiffs main warehouse
sustained extensive damage to all six bay areas. Numerous doors, roof panels, sky lights andgutters were blown away, some never to be found. Load-bearing columns, beams and other
structural members were snapped like twigs. The overhead cranes and electrical infrastructure
were damaged, causing an unsafe working condition that could not be assessed and rectified until
power was restored. The smaller warehouse was also damaged, though not as severely as the main
warehouse. The office sustained less damage.
10. As a result of Hurricane Ike, plaintiffs have incurred, and will incur, significant costs
to repair the main warehouse and, to a lesser extent, the smaller warehouse. Expenses to stabilize
the property in the days following Hurricane Ike, repair the two warehouses and return them to
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something approaching pre-Ike condition will exceed $1,300,000. Service Steel has also suffered
extra expenses and a profound disruption in its business operations and thus its profits due to the
extensive damage to the property. Service Steel estimates it has lost $1,000,000 or more in lost
business income and extra expenses incurred as a result of Hurricane Ike.
11. ACE adjusts the claim. Service Steel gave prompt notice to ACE of its and
Coastals claim under the Policy. The claim was timely acknowledged by ACE, and was adjusted
by ACEs claims administrator, Technical Loss Adjustment & Appraisal, LLC, an outfit in
northwest suburban Chicago, Illinois, which at all times was ACEs agent. On September 27,
2008, the adjuster, Mr. Michael Minasian, wrote to Service Steel with respect to the claim.
12. As will be shown below, the Policy provides coverage for the vast majority of
plaintiffs property damage and business interruption losses. However, in his September 27 th letter
and in follow-up correspondence, Mr. Minisian has displayed a tone that would characterize ACEs
entire adjustment of the claim. Rather than attempting to help make Coastal and Service Steel
whole following Hurricane Ike, ACE instead claims without basis that the property wasunderinsured (which could allegedly trigger a punitive coinsurance clause).
13. Acting through Mr. Minisian, ACE also suggests that not all the damage to the
warehouses was a result of Hurricane Ike. ACE apparently is under the impression that parts of the
main warehouse would have been snapped or blown away on the night of September 13/14, 2008
with or without Hurricane Ike.
14. More recently, despite the urgency of the situation and plaintiffs willingness to
satisfy all legitimate ACE requests, ACE has offered to settle its policyholders multi-million dollar
property claim for roughly $40,000. And, despite admitting liability for the property damage
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(albeit in a grossly inadequate fashion), ACE has not offered anything for Service Steels business
interruption claim.
15. As of the filing of this complaint, roughly six months have passed since Hurricane
Ike devastated the Houston community. Service Steel and Coastal have waited patiently for ACE
to fully address the damages and losses they sustained. By offering just pennies on the dollar on
Coastals claim and nothing for Service Steels, ACE has made it unmistakably clear that it will not
be honoring its commitments to its policyholders.
16. Instead of promptly and fully honoring its obligations, ACE has indicated, through
its and its agents acts and failures to act, that it has denied coverage for:
(a) the vast majority of Coastals property damage loss and
(b) all of Service Steels business interruption and extra expense losses
as a result of Hurricane Ike. As will be shown below, these denials are wrongful breaches of
contract, violate the Texas Insurance Code, and amount to common law bad faith.
17. Service Steel and Coastal have been and will be damaged. Service Steel andCoastal have sustained extensive costs to stabilize the warehouses and perform the most vital
repairs. Other extensive repairs are needed, however, and the value of the property declines every
day they are not made. Income loss and extra expenses caused by the hurricane and insured by
ACE can never be recouped except through a claim under the Policy.
18. If ACEs wrongful denials of coverage are not quickly redressed, Service Steel and
Coastal will be forced to shoulder the vast majority of the costs to repair the most serious damages
to the Clinton Drive property. Except for a deductible, all of these expenses are the responsibility
of ACE. ACEs recalcitrance may also cause its policyholders to experience greater difficulty
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obtaining work by reputable contractors, and/or require them to pay more to contractors who would
accept a lower price if ACE was honoring its obligations. Finally, if ACE is not forced by this
Court to act honorably, Service Steel will never recover the lost business income and extra
expenses occasioned by Hurricane Ike.
V. C OVERAGE FOR P LAINTIFFS ' D AMAGES AND L OSSES
19. Pr oper ty dam age covera ge. ACE cannot dispute that the damaged warehouses and
their contents are scheduled property in the Declarations to the Policy. Nor will it dispute that
Hurricane Ike was a covered peril ( i.e., an event insured against). As is the case with most property
damage policies, the ACE Policy insures the buildings and contents on an All Risk basis; i.e. the
property damage is covered unless a specific exclusion or limitation precludes or limits coverage.
See Policy, and specifically the General Conditions section:
ALL RISKS - GENERAL CONDITIONS COVERAGE: PERILS INSURED AGAINST:
This Policy covers the property insured hereunder against all risks of direct physical loss or damageoccurring during the period of this Policy from any external cause, except as hereinafter excludedor limited. Exhibit A, ST.AR 200 General Conditions section, p. 1 of 11.
20. Because the burden of proof is on ACE to show that certain exclusions
unequivocally preclude coverage, Service Steel will not attempt to guess which exclusions or
limitations, if any, ACE will set forth as applicable. Service Steel can assure the Court, however,
that it has analyzed the exclusions and limitations it expects ACE to assert, and that these
exclusions and limitations are inapplicable to the vast majority of the damages sustained.
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21. By endorsement, the Policy provides for replacement cost coverage; i.e. , ACE is to
pay the cost to repair the damage caused by Hurricane Ike, not just the depreciated value of the
damaged property. See Policy, Endorsement no. 5:
A. In consideration of the premium of the policy to which this endorsement is attached and thefollowing Coinsurance Clause being made a part of this policy to apply to the above namedcoverage, which Coinsurance Clause supersedes and replaces the Coinsurance Clauseotherwise applicable to such coverage, the provisions of this policy applicable only to suchcoverage is amended to substitute the term replacement cost for the term actual cashvalue wherever it appears in the policy, thereby eliminating any deduction for depreciation. . . .
Exhibit A, Replacement Cost Endorsement, p. 1 of 2.
22. Coastal estimates that necessary repairs to date and further repairs required to restore
the buildings to their prior condition will exceed $1,300,000, and that after taking into account the
windstorm deductible, ACE will owe Coastal over $1,150,000.
23. Business interruption coverage. The ACE Policy also provides coverage for the
business income loss Service Steel sustained and the extra expenses it incurred as a result of
Hurricane Ike. The Policy provides, at Endorsement no. 22 (which supersedes earlier provisions):B. COVERAGE:
Subject to all terms, conditions and stipulations of the Policy to which this endorsement isattached, not in conflict herewith, this Policy is extended to insure against loss resultingdirectly from:
1. Necessary interruption of the Insureds business and the consequent reduction in
Gross Earnings , caused by damage to or destruction of real or personal property,except finished stock;
2. Necessary Extra Expense , as hereinafter defined, incurred by the Insured in order to
continue as nearly as practicable the normal operation and normal Gross Earnings of the Insureds business following damage to or destruction of real or personalproperty;
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by the peril(s) insured against during the term of this Policy, which property is on premisesoccupied by the Insured and situated as herein described.
Exhibit A, ECBI/Extra Expense Endorsement, p. 1 of 5.
24. Service Steel estimates that it has sustained at least $1,000,000 in lost business
income and extra expenses incurred as a result of Hurricane Ike.
VI. C AUSES OF A CTION
25. Declaratory Judgment. Service Steel and Coastal re-allege paragraphs 1 through
24 of their complaint as if set forth verbatim. Pursuant to the federal Declaratory Judgment Act, 28
U.S.C. 2201, and the Federal Rules of Civil Procedure, Rule 57, plaintiffs are entitled to thefollowing declarations:
(a) The ACE Policy provides coverage for the cost to repair the buildings
damaged by Hurricane Ike, less only a deductible;
(b) The ACE Policy provides coverage for Service Steels lost income and extra
expenses as a result of Hurricane Ike, subject only to the Policys limitation on coverage;
(c) Alternatively, the Policy is ambiguous and must be interpreted in favor of
Service Steel and Coastal.
26. Breach of Contract. Service Steel and Coastal re-allege paragraphs 1 through 25 of
their complaint as if set forth verbatim. The acts and omissions of ACE and its agents constitute a
breach and/or anticipatory breach of ACEs contract with its named insured Service Steel and its
loss payee Coastal, even though plaintiffs have satisfied all conditions precedent to the fulfillment
of their contractual demands. Accordingly, additionally or in the alternative, plaintiffs also bring
an action for breach of contract against ACE pursuant to Texas statutory and common law,
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including Chapter 38 of the Texas Civil Practice and Remedies Code, and seek all their damages
for such breach, including actual damages, consequential damages, attorneys fees, prejudgment
interest, other litigation expenses and costs of court.
27. Violations of the Texas Insurance Code. Service Steel and Coastal re-allege
paragraphs 1 through 26 of their complaint as if set forth verbatim. At all pertinent times, ACE was
engaged in the business of insurance as defined by the Texas Insurance Code. The acts and
omissions of ACE and its agents appear to constitute one or more violations of the Texas Insurance
Code. More specifically, ACE appears to have violated the following provisions of the Code:
Insurance Code Chapter 541.060 by, among other things :
a.
failing to attempt in good faith to effectuate a prompt, fair, and equitable settlement of aclaim with respect to which ACEs liability has become reasonably clear;
b.
making untrue statements of material fact;
c.
failing to state a material fact necessary to make other statements made not misleading,considering the circumstances under which the statements were made; and
d. making statements in a manner that would mislead a reasonably prudent person to afalse conclusion of a material fact.
e.
refusing to timely explain to its insured its coverage position; and/or
f.
refusing to affirm or deny coverage within a reasonable time.
ACE has also violated Insurance Code Chapter 542.060, the Prompt Payment Act. 28. Where statements were made by ACE, Service Steel and Coastal reasonably relied
upon them. As a result of the foregoing conduct, which was and is the producing cause(s) of injury
and damage to Service Steel and Coastal, plaintiffs have suffered damages including, without
limitation, actual damages, economic damages, and consequential damages. Moreover, one or
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more of the foregoing acts or omissions were knowingly made, entitling Service Steel and
Coastal to seek treble damages pursuant to the Insurance Code. ACE has also violated the Prompt
Payment Act, and plaintiffs seek 18% interest damages as a penalty, plus reasonable and necessary
attorneys fees incurred as a result of these violations.
29. These actual and apparent violations of the Texas Insurance Code have caused
plaintiffs damages which they are not presently seeking (with the exception of the Prompt Payment
claim), but which they will seek after they have sent ACE a 60 day notice letter as provided by the
Insurance Code. At that time, plaintiffs will amend their pleading to fully assert these claims and
will seek their damages, including, without limitation economic damages, actual damages,
consequential damages, treble damages, and reasonable and necessary attorneys fees.
30. Bad Faith. Service Steel and Coastal re-allege paragraphs 1 through 29 of their
complaint as if set forth verbatim. ACE has refused to pay or delayed in paying a claim after
liability has become reasonably clear. This constitutes common law bad faith. As a result,
Service Steel and Coastal seek extra-contractual damages provided by the common law, includingpunitive damages. Service Steel and Coastal have sustained and continue to sustain serious damage
to their property and business as a result of ACEs refusal to honor its Policy, and ACE is well
aware of this ongoing damage.
31. ACE has refused to make payment on plaintiffs claims even though its liability is
reasonably clear, and has refused to pay, delayed in paying or offered grossly inadequate and
unconscionable sums to settle the claims submitted by its policyholders. Such wrongful actions
were and continue to be committed knowingly, deliberately, intentionally and with reckless
disregard for the well being of ACEs insureds. As such, ACE has breached its common law duty
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of good faith and fair dealing, and Service Steel and Coastal are entitled to recover their actual
damages, consequential damages, punitive damages, and pre- and post-judgment interest.
32. Attorneys fees. Service Steel and Coastal have been required to engage the
services of the undersigned attorneys and have agreed to pay their attorneys a reasonable fee for
services expended and to be expended in the prosecution of their claims against ACE through the
trial court and all levels of the appellate process. Service Steel and Coastal seek the recovery of all
their attorneys fees and expenses.
33. With respect to all causes of action asserted herein, Service Steel and Coastal seek
the recovery of prejudgment and post-judgment interest.
34. All conditions precedent to recovery under the Policy have occurred or been
performed.
VII. J URY D EMAND :
35. Plaintiffs request that a jury be convened to try the factual issues in this action.
VIII. P
RAYER
WHEREFORE, Service Steel and Coastal seek the following relief:
The Courts declaration that:
(a) The ACE Policy provides coverage for the cost to repair the buildings damaged by
Hurricane Ike, less only a deductible; and
(b) The ACE Policy provides coverage for Service Steels lost income and extra
expenses as a result of Hurricane Ike, subject only to the Policys limitation on coverage and any
applicable deductibles;
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Damages for breach of contract, including actual damages, consequential damages,
attorneys fees, pre- and post-judgment interest, other litigation expenses and costs of court;
(Conditionally) Damages for violations of the Texas Insurance Code, including
without limitation economic damages, actual damages, consequential damages, treble damages, and
reasonable and necessary attorneys fees;
Damages for breach of the duty of good faith and fair dealing, including actual
damages, consequential damages, punitive damages and pre- and post-judgment interest; and
Penalty in the amount of 18% interest for violations of the Prompt Payment Act.
Service Steel and Coastal also seek all other relief and rulings to which they may be
legally or equitably entitled.
Respectfully submitted,
CORNELL & PARDUE /s/ James L. Cornell
James L. CornellState Bar No. [email protected] 2727 Allen Parkway Suite 1675Houston, Texas 77019Telephone: (713) 526-0500Facsimile: (713) 526-7974Attorney in charge forSERVICE STEEL WAREHOUSE CO. L.P.and COASTAL REALTY, L.L.C.
Attachment:
Exhibit A: ACE Policy
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