{"id":896231,"date":"2019-07-31T12:12:18","date_gmt":"2019-07-31T18:12:18","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=896231"},"modified":"2019-07-31T12:12:29","modified_gmt":"2019-07-31T18:12:29","slug":"remand-from-federal-court-after-hail-bill","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/remand-from-federal-court-after-hail-bill\/","title":{"rendered":"Remand From Federal Court After Passage of the \u201cHail Bill:\u201d Section 542A.006 and the Election of Legal Responsibility"},"content":{"rendered":"\n<p>Kay Morgan | <a href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/2019\/07\/articles\/state-legislation\/remand-from-federal-court-after-passage-of-the-hail-bill-section-542a-006-and-the-election-of-legal-responsibility\/\">Property Insurance Coverage Law Blog<\/a> | July 28, 2019<\/p>\n\n\n\n<p>The infamous \u201cHail Bill\u201d will be celebrating its second birthday this September 1, 2019. Whether there will be any celebrations is another question. The \u201cHail Bill\u201d \u2013 the Chapter 542A amendment to the Texas Insurance Code\u2014covers first-party claims arising from \u201cforces of nature.\u201d<sup>1<\/sup>\u00a0Within that chapter, one notably section is\u00a0542A.006, which allows an insurer to elect to assume its agent\u2019s civil liability for the agent\u2019s conduct related to the handling of a claim. This section has been seeing a lot of litigation of late.<\/p>\n\n\n\n<p>On February 18, 2019, I authored a piece entitled,\u00a0<em><strong><a href=\"https:\/\/www.myconstructionexpert.com\/blog\/filing-suit-against-property-adjuster-texas\/\">It\u2019s a Brand-New Ballgame<\/a><\/strong><\/em>, which discusses the first four decisions out of the Texas federal courts regarding remand after insurers had taken Texas Insurance Code Section 542A.006 elections of responsibility for their agents. At that time, the score was tied\u2013two wins for insureds who were remanded to state court, and two wins for insurers in which remands were denied allowing insurers to stay in federal court. Since February there have been more than a dozen decisions\u2014the number increases weekly. Although, the Texas federal district courts remain in conflict, at the moment, remands appear to be in the majority. It does not take a crystal ball to perceive that the Fifth Circuit may weigh in at some point.<\/p>\n\n\n\n<p>The statute allows an insurer to make an election to accept liability after a policyholder files a damage claim and&nbsp;<em><strong>before<\/strong><\/em>&nbsp;a policyholder files a suit (<strong>pre-suit<\/strong>) on that claim&nbsp;<em><strong>or after<\/strong><\/em>&nbsp;a policyholder files a lawsuit in state court (<strong>post-suit<\/strong>). If an election is taken pre-suit, insurers have a straight path to federal court when suit is filed, because, as a result of the election, there is diversity of the parties (plaintiffs from a different state than defendants) which makes federal court jurisdiction proper and a remand unavailable.<\/p>\n\n\n\n<p>The cases that are in conflict presently concern&nbsp;<em><strong>post-suit<\/strong><\/em>&nbsp;elections. Two theories have evolved thus far which have resulted in the split of authorities in Texas federal district courts regarding the granting or denying of remands. One approach holds that as an insurer\u2019s election under Section 542A.006 and the accompanying dismissal of the Texas defendant agent, results in improper joinder. This boot-strapping argument reasons that because the Texas defendant was improperly joined (as a result of the election), the plaintiff would not be able to recover against him\/her in state court, so the suit should remain in federal court. Remand is denied.<\/p>\n\n\n\n<p>The second approach focuses on the propriety of the \u201cjoinder\u201d when the suit was filed in state court. These courts have remanded cases and concluded that when an insurer makes an election post-suit, joinder is not improper at that point even if the plaintiff can no longer recover against the Texas defendant. In following this second approach, one court explained its reasoning:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p>The Court cannot accept this argument [the first approach described above] as reasonable under the law or logic. Whether a non-diverse defendant is improperly joined is a binary question; the defendant is either a proper party when joined to suit or the defendant is an improper party when joined to the suit\u2026.&nbsp;<em><strong>It does not follow that a non-diverse defendant [a Texas defendant in Texas state court] that is initially properly joined may become initially improperly joined. Again, the focus must be on the joinder<\/strong><\/em>.<sup>2<\/sup><\/p><\/blockquote>\n\n\n\n<p><em>In another recent order, River of Life Assembly of God v. Church Mutual Insurance Company<\/em>,<sup>3<\/sup>Judge Pitman ruled that the improperly joined argument based solely on a Section 542A.006 election \u201cmisunderstands the doctrine of improper joinder, which is fundamentally about joinder.\u201d Judge Pitman wrote that it would not deny remand based on the Defendant\u2019s Section 542A.006 election alone, noting that the election was made was over two months after the Texas defendant was joined initially. The trial court reasoned that the Defendant\u2019s \u201celection of responsibility therefore did not render Harris\u2019 [the Texas Defendant]&nbsp;<em><strong>joinder<\/strong><\/em>&nbsp;improper because it did not preclude recovery against Harris until months after his joinder. If Harris is improperly joined, it must be for a reason that predated his joinder.\u201d.<\/p>\n\n\n\n<p>One of the most interesting parts of this River of Life order is in a footnote following the last statement above in which Judge Pitman writes:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p>Had the Court taken this approach in Jiang, it would not have denied remand solely based on the insurer\u2019s election, which was made after the plaintiff joined the adjuster in her original petition.&nbsp;<em>The Court now rejects the approach taken in Jiang in favor of the approach taken in this decision.<\/em><sup>4<\/sup><\/p><\/blockquote>\n\n\n\n<p>This admission by a federal judge is telling.<br>____________________________________________<br><sup>1<\/sup>\u00a0Tex. Ins. Code \u00a7542A.001(2) includes earthquakes, earth tremors, a wildfire, a tornado, lightning, a hurricane, hail, wind, snowstorms or rainstorms.<br><sup>2<\/sup>\u00a0<em>See\u00a0Stephens v. Safeco Ins. Co., of Indiana<\/em>, No. 18-595, 2019 WL 109395 (E.D. Tex. Jan. 4, 2019).<br><sup>3<\/sup>\u00a0<em>River of Life Assembly of God v. Church Mutual Ins. Co.<\/em>, 2019 WL 1767339, at *3 (W.D. Tex. April 22, 2019).<br><sup>4<\/sup>\u00a0<em>Id.<\/em>\u00a0at fn 2 (citation omitted, emphasis added).\u00a0<em>See\u00a0Jiang v. The Travelers Home and Marine Ins. Co.<\/em>, No. 18-758, 2018 WL 6201954 (W.D. Tex. Nov. 11, 2018).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kay Morgan | Property Insurance Coverage Law Blog | July 28, 2019 The infamous \u201cHail Bill\u201d will be celebrating its second birthday this September 1, 2019. Whether there will be any celebrations is another question. The \u201cHail Bill\u201d \u2013 the Chapter 542A amendment to the Texas Insurance Code\u2014covers first-party claims arising from \u201cforces of nature.\u201d1\u00a0Within&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/remand-from-federal-court-after-hail-bill\/\">Continue reading <span class=\"screen-reader-text\">Remand From Federal Court After Passage of the \u201cHail Bill:\u201d Section 542A.006 and the Election of Legal Responsibility<\/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":[9914],"tags":[9895,10883,191,23],"class_list":["post-896231","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","tag-advise-consult","tag-hail-bill","tag-hail-damage","tag-insurance-coverage","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>Remand From Federal Court After Passage of the \u201cHail Bill:\u201d Section 542A.006 and the Election of Legal Responsibility - Advise &amp; 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