1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF CALIFORNIA OAKLAND DIVISION JAMES “BRYAN” LAKE and TERRY HALL, Plaintiffs, vs. FIRST NATIONAL INSURANCE COMPANY OF AMERICA, Defendant. Case No: C 09-00797 SBA ORDER GRANTING DEFENDANT’S MOTION FOR SUMMARY JUDGMENT Dkt. 42 Plaintiffs bring this diversity breach of contract and insurance bad faith action against Defendant. The parties are prese ntly before the Court on Defendant’s Motion for Summary Judgment. Dkt. 42. Having read and considered the papers filed i n connection with this matter and being fully informed, the Court hereby GRANTS the motion for the reasons set forth below. The Court, in its discr etion, finds this matter suitable for resolution without oral argument. See Fed.R.Civ.P. 78(b). I. FACTUAL BACKGROUND A. THE POLICY Defendant issued homeowner’s policy number OA3407348, which went into effect on December 7, 2006 and was cancelled, for unspecified reasons, on March 7, 2007 (“Policy”). Dkt. 47, Wyatt Decl., Ex. 1. The Policy provided coverage for the premises located at 18370 Rainier Avenue in Hayward, California, with a $162,736 limit for personal property coverage and a $1,000 deductible. Id. The Policy contains the following pertinent provisions: 3. An Insured’s Duties After Loss. In case of a loss to which this insurance may apply, you must perform the following duties: * * * e. prepare an inventory of the loss to the building and damaged personal property showing in detail the quantity, description, replacement Case4:09-cv-00797-SBA Document64 Filed11/18/10 Page1 of 19
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8/8/2019 Lake v. First Nat'l Ins. Co. Contract MSJ
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