{"id":893698,"date":"2018-02-28T10:13:01","date_gmt":"2018-02-28T17:13:01","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=893698"},"modified":"2018-02-28T10:13:01","modified_gmt":"2018-02-28T17:13:01","slug":"washington-insurer-cannot-refuse-defend-change-mind-still-expect-control-defense-avoid-bad-faith","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/washington-insurer-cannot-refuse-defend-change-mind-still-expect-control-defense-avoid-bad-faith\/","title":{"rendered":"In Washington, an Insurer Cannot Refuse to Defend, Change Its Mind, and Still Expect to Control the Defense or Avoid Bad Faith"},"content":{"rendered":"

Kevin Mapes | The Policyholder Report<\/a> | February 20, 2018<\/p>\n

A recent decision from the U.S. District Court for the Western District of Washington again demonstrates the decidedly pro-policyholder nature of insurance-coverage law in the state of Washington. Like so many coverage cases,\u00a02FL Enterprises, LLC v. Houston Specialty Insurance Co.<\/em>, arose from underlying construction-defect litigation.<\/span><\/p>\n

The insured, 2FL Enterprises, first notified its insurer, Houston Specialty, when a dispute arose between 2FL and the owner of an apartment building that 2FL had worked on. The next month, the owner filed suit, and 2FL promptly tendered the lawsuit to Houston Specialty. Five months later, Houston Specialty issued a letter denying any coverage for the lawsuit. After a default judgment was entered against 2FL, Houston Specialty reconsidered and offered to retain counsel on behalf of its insured. 2FL rejected Houston Specialty\u2019s offer of a defense.<\/p>\n

\"\"
Photo by\u00a0GotCredit<\/a><\/figcaption><\/figure>\n

In the ensuing coverage litigation, the court initially set out the broad nature of the duty to defend under Washington law, finding that \u201call that is required to trigger the duty to defend is the \u2018potential\u2019 for liability,\u201d asking \u201cwhether allegations in the complaint\u00a0could conceivably<\/em>\u00a0impose liability on the insured,\u201d and concluding that \u201cif there is any reasonable interpretation of the law that could result in coverage, the insurer must defend.\u201d Applying these standards, the court found that Houston Specialty had breached its duty to defend and acted in bad faith. The court was particularly bothered by the Houston Specialty\u2019s attempt to rely on extrinsic evidence to support its denial. Under Washington law, extrinsic evidence may be used in support of coverage, but an insurer can never rely on documents beyond the complaint and the policy in denying coverage.<\/p>\n

Significantly, the court was unimpressed by Houston Specialty\u2019s belated change of heart and attempt to provide a defense. Houston Specialty argued that any breach was \u201ccured\u201d when it belatedly offered to participate in 2FL\u2019s defense, and that 2FL had breached its duty to cooperate when it rejected the offered defense. The court disagreed, finding that Houston Specialty \u201chad already breached the contract by the point in time it argues that Plaintiff was required to cooperate. \u2018An insured \u2026 should no longer be bound by contractual obligations if the insurer breaches its duty to defend the insured.\u2019\u201d Releasing the insured from its duty to cooperate was not the only consequence of Houston Specialty\u2019s denial of coverage. The Court went on to conclude that by breaching its contractual obligation to defend, the insurer lost the right to control the insured\u2019s defense, despite its later offer to defend.<\/p>\n

Finally, the Court found that Houston Specialty had acted in bad faith, and its later offer to defend did not change the court\u2019s position:<\/p>\n

The fact that both the delay and the denial were unfounded and unreasonable dictate a finding of bad faith which is unmitigated by the insurer\u2019s later change of heart.<\/p><\/blockquote>\n

For insurers, this decision reinforces the general state of Washington law: deny the insured a defense at your own peril. The decision also adds a new wrinkle: an insurer that denies a defense cannot simply change its mind and still expect to control the defense of the insured in order to guard against bad-faith exposure. For policyholders, that same wrinkle presents a potential opportunity. Once an insurer has denied coverage, the policyholder should be free to retain counsel of its choosing and to control the defense going forward, even if the insurer later agrees to defend. At a minimum, the decision gives the policyholder a good argument that the insurer should agree to fund the defense through the insured\u2019s choice of counsel, rather than insisting on the insurer\u2019s own panel counsel.<\/p>\n","protected":false},"excerpt":{"rendered":"

Kevin Mapes | The Policyholder Report | February 20, 2018 A recent decision from the U.S. District Court for the Western District of Washington again demonstrates the decidedly pro-policyholder nature of insurance-coverage law in the state of Washington. Like so many coverage cases,\u00a02FL Enterprises, LLC v. Houston Specialty Insurance Co., arose from underlying construction-defect litigation.… Continue reading In Washington, an Insurer Cannot Refuse to Defend, Change Its Mind, and Still Expect to Control the Defense or Avoid Bad Faith<\/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":[140,9914],"tags":[9895,140,57,23,306],"class_list":["post-893698","post","type-post","status-publish","format-standard","hentry","category-bad-faith","category-insurance-coverage","tag-advise-consult","tag-bad-faith","tag-duty-to-defend-2","tag-insurance-coverage","tag-washington","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nIn Washington, an Insurer Cannot Refuse to Defend, Change Its Mind, and Still Expect to Control the Defense or Avoid Bad Faith - 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