{"id":893230,"date":"2017-11-21T12:30:01","date_gmt":"2017-11-21T19:30:01","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=893230"},"modified":"2017-11-21T12:30:01","modified_gmt":"2017-11-21T19:30:01","slug":"post-loss-assignment-claims-california","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/post-loss-assignment-claims-california\/","title":{"rendered":"Post-loss Assignment of Claims in California"},"content":{"rendered":"<p>Lawrence Moon | <a href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/2017\/11\/articles\/insurance-claim\/post-loss-assignment-of-claims-in-california\/\" target=\"_blank\">Property Insurance Coverage Law Blog<\/a> | November 17, 2017<\/p>\n<p><a href=\"https:\/\/www.myconstructionexpert.com\/blog\/assignment-contingent-benefits-california\/\" target=\"_blank\">In a prior blog<\/a>, I discussed the California Supreme Court\u2019s decision in\u00a0<em>Fluor Corporation v. Superior Court<\/em>,<sup>1<\/sup>\u00a0regarding the post-loss assignment of insurance benefits. In\u00a0<em>Fluor<\/em>, the California Supreme Court held that section 520 of California\u2019s Insurance Code prohibits insurance companies from refusing to honor post-loss assignments of benefits, regardless of whether the assigned benefits (a) had accrued at the time of the assignment (<em>i.e<\/em>., constituted \u201cNoncontingent Benefits\u201d), or (b) had not yet accrued but could accrue if additional events occurred or additional conditions satisfied (<em>i.e.<\/em>, constituted \u201cContingent Benefits\u201d).<\/p>\n<p>Within days of the California Supreme Court\u2019s decision in\u00a0<em>Fluor<\/em>, an affiliate of Hartford Accident &amp; Indemnity Company, which was effectively the \u201closing\u201d party in\u00a0<em>Fluor<\/em>, relied on the decision in\u00a0<em>Fluor<\/em>\u00a0to obtain a victory in a (federal) District Court case that also concerned a post-loss assignment of rights pertaining to an insurance policy. In\u00a0<em>Hartford Casualty Insurance Company v. Fireman\u2019s Fund Insurance Company<\/em>,<sup>2<\/sup>\u00a0Hartford Casualty sued Fireman\u2019s Fund on its own behalf and as the assignee of three of Fireman\u2019s policyholders. Hartford had issued a business liability policy to one of the Fireman\u2019s policyholders, Herndon Partners. Herndon was owned by another of Fireman\u2019s policyholders, Paul Owhadi. For its part, Fireman\u2019s had issued (1) a homeowner\u2019s policy to Mr. Owhadi, under which Herndon Partners was named as an additional insured, and (2) an excess liability policy to Mr. Owhadi and the third policyholder, Susan Owhadi.<\/p>\n<p>Fireman\u2019s excess policy contained exclusions for business activity, business property, and workers compensation. The Fireman\u2019s Fund policies also contained a clause which stated, \u201cAssignment of this policy\u00a0<em><strong>or a claim<\/strong><\/em>\u00a0will not be valid unless we give our written consent.\u201d<sup>3<\/sup><\/p>\n<p>All of the policies covered, or seemed to cover, the property on which a worker was electrocuted and died. At the time of the death, the property was owned solely by Herndon Partners. Hartford defended Herndon in the wrongful death lawsuit that followed but Fireman\u2019s Fund denied coverage because Herndon was not a named insured under either of its policies. Fireman\u2019s also raised the business exclusions in its excess policy as grounds for denying coverage under that policy.<\/p>\n<p>After an $8.8 million judgment was entered against Herndon, all three of the policyholders assigned to Hartford, \u201cclaims against Fireman\u2019s Fund related to the wrongful death lawsuit and the two Fireman\u2019s Fund policies.\u201d<sup>4<\/sup>\u00a0Hartford then filed a complaint against Fireman\u2019s Fund for indemnity, contribution, professional negligence, declaratory judgment, and reformation of the Fireman\u2019s Fund policies. Specifically, Hartford alleged that Fireman\u2019s Fund knew that the property was owned by Herndon and that it was a rental property. Therefore, according to Hartford, Fireman\u2019s policies should be \u201creformed\u201d to delete the business exclusions and name Herndon as an insured.<\/p>\n<p>Fireman\u2019s moved to dismiss the reformation claim alleging that Hartford lacked standing to bring that claim because (1) Fireman\u2019s policies expressly prohibited the assignment of claims without its consent, and (2) the California Supreme Court\u2019s decision in\u00a0<em>Fluor<\/em>\u00a0did not apply to the reformation claim because a reformation claim does not seek \u201cdefense or indemnification coverage.\u201d<sup>5<\/sup><\/p>\n<p>The District Court rejected Fireman\u2019s arguments, holding that under section 520 of California\u2019s Insurance Code and the California Supreme Court\u2019s decision in\u00a0<em>Fluor<\/em>, the clause in Fireman\u2019s policies that prohibited assignments was void regarding post-loss assignments.<sup>6<\/sup>\u00a0The District Court also held that section 520 \u201capplies broadly\u201d and protected Hartford\u2019s cause of action for reformation.<sup>7, 8<\/sup><\/p>\n<p>The decision in\u00a0<em>Hartford<\/em>\u00a0is significant to the degree it suggests that the courts in California may interpret and apply section 520 broadly to post-loss assignments that pertain to rights or benefits under an insurance policy, including legal rights and causes of action not set forth in the policy. While the decision in\u00a0<em>Hartford<\/em>\u00a0pertained specifically to liability policies, neither the language of section 520 nor any court decisions I have found appear to limit the statute\u2019s application to liability policies.<\/p>\n<p>Determining the validity of an assignment pertaining to an insurance claim or policy always begins with an analysis of the terms of both the policy and the assignment. Before making any major decisions concerning an assignment, policyholders should seek independent professional advice and, when applicable, obtain multiple bids or offers from prospective assignees or purchasers of the assigned rights.<br \/>\n____________<br \/>\n<sup>1<\/sup>\u00a0<em>Fluor Corp. v. Superior Court<\/em>, 61 Cal.4th 1175, 354 P.3d 302 (Cal. 2015).<br \/>\n<sup>2<\/sup>\u00a0<em>Hartford Cas. Ins. Co. v. Fireman\u2019s Fund Ins. Co.<\/em>, 2015 WL 5168643 (N.D. Calif. Sept. 3, 2015).<br \/>\n<sup>3<\/sup>\u00a0<em>Id.<\/em>, fn. 3 (emphasis added).<br \/>\n<sup>4<\/sup>\u00a0The decision in\u00a0<em>Hartford<\/em>\u00a0does not specify what claims were assigned or how they were described in the assignment.<br \/>\n<sup>5<\/sup>\u00a0According to the opinion in\u00a0<em>Hartford<\/em>, the quoted language was drawn from the\u00a0<em>Fluor<\/em>\u00a0decision by Fireman\u2019s Fund. Partly because that phrase is found in multiple locations in the\u00a0<em>Fluor<\/em>\u00a0decision, it is not clear which instance of the phrase Fireman\u2019s Fund was referring to. However, I believe the quotation is from the Supreme Court\u2019s closing paragraph in\u00a0<em>Fluor<\/em>: \u201cFor the reasons set forth, Insurance Code 520 applies to third party liability insurance. Under that provision, after personal injury (or property damage) resulting in loss occurs within the time limits of the policy, an insurer is precluded from refusing to honor an insured\u2019s assignment of the right to invoke\u00a0<em><strong>defense or indemnification coverage<\/strong><\/em>\u00a0regarding that loss. This result obtains even without consent by the insurer \u2014 and even though the dollar amount of the loss remains unknown or undetermined until established later by a judgment or approved settlement.\u201d [Emphasis added.]<br \/>\n<sup>6<\/sup>\u00a0<em>Id.<\/em>, *4 (\u201cThus, under Insurance Code \u00a7 520, the clause prohibiting the assignment of claims against Fireman\u2019s Fund is void\u201d).<br \/>\n<sup>7<\/sup>\u00a0<em>Id.<\/em>\u00a0(\u201cNothing in the text of Insurance Code \u00a7 520 limits its applicability to only claims involving \u2018defense or indemnification.\u2019\u201d).<br \/>\n<sup>8<\/sup>\u00a0Section 520 states, in its entirety, \u201cAn agreement not to transfer the claim of the insured against the insurer after a loss has happened, is void if made before the loss.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lawrence Moon | Property Insurance Coverage Law Blog | November 17, 2017 In a prior blog, I discussed the California Supreme Court\u2019s decision in\u00a0Fluor Corporation v. Superior Court,1\u00a0regarding the post-loss assignment of insurance benefits. In\u00a0Fluor, the California Supreme Court held that section 520 of California\u2019s Insurance Code prohibits insurance companies from refusing to honor post-loss&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/post-loss-assignment-claims-california\/\">Continue reading <span class=\"screen-reader-text\">Post-loss Assignment of Claims in California<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[3],"tags":[9895,88,3,10305],"class_list":["post-893230","post","type-post","status-publish","format-standard","hentry","category-insurance-claims","tag-advise-consult","tag-california","tag-insurance-claims","tag-post-loss-assignment-of-claims","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Post-loss Assignment of Claims in California - Advise &amp; 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