{"id":896745,"date":"2019-11-21T14:11:09","date_gmt":"2019-11-21T21:11:09","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=896745"},"modified":"2019-11-21T14:11:12","modified_gmt":"2019-11-21T21:11:12","slug":"invoking-appraisal-be-careful-what-you-ask-for","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/invoking-appraisal-be-careful-what-you-ask-for\/","title":{"rendered":"Invoking Appraisal \u2013 Be Careful What You Ask For"},"content":{"rendered":"\n<p>Kay Morgan | <a href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/2019\/11\/articles\/insurance\/invoking-appraisal-be-careful-what-you-ask-for\/\">Property Insurance Coverage Law Blog<\/a> | November 16, 2019<\/p>\n\n\n\n<p>Last week, the Texas Second Court of Appeals issued&nbsp;<em>Lambert v. State Farm Lloyds<\/em>,<sup>1<\/sup>&nbsp;which follows the Texas Supreme Court\u2019s recent opinion in&nbsp;<em>Barbara Technologies Corp. v. State Farm Lloyds<\/em>.<sup>2<\/sup><\/p>\n\n\n\n<p>In a recent blog post,\u00a0<em><strong><a href=\"https:\/\/www.myconstructionexpert.com\/blog\/payment-on-appraisal-award\/\">Payment of an Appraisal Award: Is There More<\/a><\/strong><\/em>, I reviewed\u00a0<em>Barbara Tech<\/em>\u00a0and its companion case,\u00a0<em>Ortiz v. State Farm Lloyds<\/em>.<sup>3<\/sup>\u00a0These two landmark cases hold that an insurer\u2019s full and timely payment of an <a href=\"https:\/\/www.adviseandconsult.net\/experts\/eugene-peterson-construction-consultant-expert-witness.php\">appraisal<\/a> award, bars an insured\u2019s causes of action for breach of contract and any common law and statutory bad faith claims, to the extent the bad faith claims seek only actual damages that are considered lost policy benefits.<\/p>\n\n\n\n<p>Consequently, in Texas, after&nbsp;<em>Barbara Tech<\/em>&nbsp;and<em>&nbsp;Ortiz<\/em>, the only potential causes of action remaining after an insurer\u2019s full and timely payment of an appraisal award, are:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>either an extracontractual claim\/statutory violation that causes an injury independent of the loss of benefits, (an \u201cindependent injury\u201d), or<\/li><li>a cause of action for statutory interest and attorney\u2019s fees for the insurer\u2019s failure to timely pay an insurance claim under Section 542.060(a) of the Texas Insurance Code\u2019s Prompt Payment of Claims Act (\u201cTPPCA\u201d).<\/li><\/ol>\n\n\n\n<p>Under number one above, to date, there has never been a decision involving an \u201cindependent injury.\u201d With regard to number two above, a potential TPPCA cause of action, Barbara Tech held that an insured could be entitled to a recovery by showing that:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>the insurer was liable for the claim under the policy, and<\/li><li>the insurer violated a TPPCA provision.<\/li><\/ul>\n\n\n\n<p>In&nbsp;<em>Barbara Tech<\/em>, the Texas Supreme Court remanded the case to the trial court because State Farm had&nbsp;<em><strong>neither<\/strong><\/em>&nbsp;accepted liability&nbsp;<em><strong>nor<\/strong><\/em>&nbsp;its liability adjudicated for the claim\u2014which was necessary before it could be found liable for an untimely payment under the TPPCA.<\/p>\n\n\n\n<p><strong><em>The facts in Lambert<\/em>&nbsp;are remarkably similar to those in&nbsp;<em>Barbara Tech<\/em>&nbsp;and quite typical of the majority of storm-related insurance claims.<\/strong>&nbsp;<em>Lambert<\/em>&nbsp;involved a failure of State Farm to properly handle the Lamberts\u2019 claim for hail and wind damage to their residence in May 2015. State Farm\u2019s first inspection found damages below the Lamberts\u2019 policy deductible and depreciation amounts which equaled a zero payment. A reinspection found additional damages but after subtracting depreciation and the deductible, awarded a mere $1,700.<\/p>\n\n\n\n<p>In&nbsp;<em>Barbara Tech<\/em>, State Farm also conducted two damage investigations finding damages below Barbara Tech\u2019s deductible. Barbara Tech filed suit and State Farm moved for appraisal. Likewise, the Lamberts, unhappy with their result, filed suit and State Farm moved for an appraisal. The appraisal in&nbsp;<em>Lambert<\/em>&nbsp;found the amount of loss on a replacement cost basis of $99,112.72 and an actual cost value amount of $70,965.54. After subtraction of the deductions and its previous payment, State Farm paid the Lamberts $63,404.63. The Lamberts accepted the appraisal award as Barbara Tech had in its case.<\/p>\n\n\n\n<p>Immediately thereafter, dueling summary judgment motions were filed in&nbsp;<em>Lambert<\/em>. State Farm argued that its payment of the appraisal award entitled it to a dismissal of all claims. The Lamberts argued that their extracontractual claims and their TPPCA claim survived appraisal. The&nbsp;<em>Lambert<\/em>&nbsp;trial court ultimately granted State Farm\u2019s summary judgment motion and signed a final judgment.<\/p>\n\n\n\n<p>The Lamberts appealed on two issues contending that the trial court erred in granting State Farm\u2019s summary judgment motion because: (1) their extracontractual claims were still viable, and (2) their TPPCA\u2019s cause of action for statutory interest and attorney\u2019s fees survived the appraisal award payment.<\/p>\n\n\n\n<p>As to&nbsp;<strong>issue one<\/strong>, the Second Court of Appeals followed&nbsp;<em>Barbara Tech<\/em>&nbsp;and found: \u201cNeither to the trial court nor to us have the Lamberts pointed to any evidence that they seek actual damages that are different from, in addition to, or aside from what they have now received under the policy.\u201d<sup>4<\/sup>&nbsp;Simply stated, the Lamberts had not alleged an \u201cindependent injury\u201d for their extracontractual claims to survive.<\/p>\n\n\n\n<p>As to&nbsp;<strong>issue two<\/strong>\u2014the Lambert\u2019s TPPCA cause of action\u2014the appellate court, as in&nbsp;<em>Barbara Tech<\/em>, held that to sustain their TPPCA cause of action required the Lamberts to show: (1) State Farm was initially liable for the claim under their policy, and (2) the insurer had violated a TPPCA provision. Like in&nbsp;<em>Barbara Tech<\/em>, liability in&nbsp;<em>Lambert<\/em>&nbsp;had not been found against State Farm; therefore, the case was remanded to the trial court to consider the TPPCA cause of action.<sup>5<\/sup><\/p>\n\n\n\n<p><strong>Summary from&nbsp;<em>Lambert<\/em>&nbsp;and&nbsp;<em>Barbara Tech<\/em>&nbsp;on the current state of Texas\u2019 appraisal law are:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>When an appraisal has been completed, the TPPCA time limits only&nbsp;<em><strong>attach to an insurer<\/strong><\/em>&nbsp;on a finding of liability;<\/li><li>Payment of an&nbsp;<em><strong>appraisal award has no bearing on the finding of liability<\/strong><\/em>&nbsp;because its only purpose is to determine the amount of damages; and<\/li><li>If an insurer has&nbsp;<em><strong>not<\/strong><\/em>&nbsp;explicitly accepted or assumed liability, the matter must be adjudicated.<\/li><\/ol>\n\n\n\n<p>The conclusion that can be determined from these three principles of law is that an insurer\u2019s payment of an appraisal award does not immunize it from a potential violation of the TPPCA.<\/p>\n\n\n\n<p><strong>Take Away:<\/strong>&nbsp;<em>\u201cBe Careful What You Ask For\u201d<\/em><\/p>\n\n\n\n<p>If you are an&nbsp;<em><strong>insured<\/strong><\/em>&nbsp;and invoke appraisal, you may obtain a larger award for your damages than had been offered by the insurer but upon acceptance of the award, you will give up all causes of action except a potential TPPCA claim.<\/p>\n\n\n\n<p>If you are an&nbsp;<em><strong>insurer<\/strong><\/em>&nbsp;and invoke appraisal, you may have to pay a larger award to the insured than previously offered but upon acceptance of the award by the insured, you cannot be held liable for any alleged causes of action except a potential TPPCA claim.<\/p>\n\n\n\n<p>________________________<br><sup>1<\/sup>\u00a0<em>Lambert v. State Farm Lloyds<\/em>, No. 02-17-00374-CV (Tex. App. Nov. 7, 2019).<br><sup>2<\/sup>\u00a0<em>Barbara Technologies Corp. v. State Farm Lloyds<\/em>, No. 17-0640, 2019 WL 2710089 (Tex. June 28, 2019).<br><sup>3<\/sup>\u00a0<em>Ortiz v. State Farm Lloyds<\/em>, No. 17-1048, 2019 WL 2710032 (Tex. June 23, 2019).<br><sup>4<\/sup>\u00a0<em>Lambert<\/em>, No. 02-17-00374-CV at *8.<br><sup>5<\/sup>\u00a0<em>Id.<\/em>\u00a0At *10.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kay Morgan | Property Insurance Coverage Law Blog | November 16, 2019 Last week, the Texas Second Court of Appeals issued&nbsp;Lambert v. State Farm Lloyds,1&nbsp;which follows the Texas Supreme Court\u2019s recent opinion in&nbsp;Barbara Technologies Corp. v. State Farm Lloyds.2 In a recent blog post,\u00a0Payment of an Appraisal Award: Is There More, I reviewed\u00a0Barbara Tech\u00a0and its&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/invoking-appraisal-be-careful-what-you-ask-for\/\">Continue reading <span class=\"screen-reader-text\">Invoking Appraisal \u2013 Be Careful What You Ask For<\/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":[10235],"tags":[9895,351],"class_list":["post-896745","post","type-post","status-publish","format-standard","hentry","category-insurance-appraisal","tag-advise-consult","tag-insurance-appraisals","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>Invoking Appraisal \u2013 Be Careful What You Ask For - Advise &amp; 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