[Cite as Frank v. WNB Group, L.L.C., 2019-Ohio-1687.]

IN THE COURT OF APPEALS 

FIRST APPELLATE DISTRICT OF OHIO 

HAMILTON COUNTY, OHIO 

BRIAN FRANK, 

 Plaintiff-Appellant, 

 vs. 

WNB GROUP, LLC, d.b.a THE RAY 

HAMILTON MOVING COMPANY, 

 Defendant-Appellee. 

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: 

: 

: 

: 

APPEAL NO. C-180032 

TRIAL NO. A-1406530 

O P I N I O N.

 

Civil Appeal From: Hamilton County Court of Common Pleas 

Judgment Appealed From Is: Reversed and Cause Remanded 

Date of Judgment Entry on Appeal: May 3, 2019 

The Durst Law Firm and Alexander J. Durst, for Plaintiff-Appellant, 

Finney Law Firm, LLC, and Stephen E. Imm, for Defendant-Appellee. 
OHIO FIRST DISTRICT COURT OF APPEALS 

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WINKLER, Judge. 

{¶1} Plaintiff-appellant Brian Frank challenges the trial court’s entry of 

summary judgment for defendant-appellee WNB Group LLC, d.b.a. The Ray Hamilton 

Moving Company (“RH”), on Frank’s Ohio Consumer Sales Practices Act (“CSPA”) claim. 

For the following reasons, we reverse. 

I. Relevant Background Facts and Procedure 

{¶2} According to Frank’s deposition testimony and affidavit,1 he purchased 

a large ceramic fountain from an antique store. The store would not deliver the item, 

and upon Frank’s request, the store’s owner recommended that Frank hire RH to 

transport and install it at Frank’s hillside residence. Before hiring RH, Frank had a 

telephone conversation with the moving company’s owner, Jay Wallace. Wallace and 

Frank orally agreed on a rate of about $2000, but did not discuss RH’s insurance 

coverage for damage incurred to the fountain during the move. 

{¶3} Wallace assured Frank that he would send Randy Jackson, an 

experience employee, to perform the move. RH’s website, which Frank had viewed, 

indicated that RH had “customized white-glove handling solutions for fine art,” but 

stated nothing about insurance coverage. Less than a year prior, when Frank had 

hired RH for his employer, an employee of RH had informed him that the company 

had “full coverage” insurance. 

{¶4} In November 2012, RH employees including Jackson successfully 

transported the fountain from the antique store to Frank’s residence, but the crate 

 

1 The record contains several notices indicating that Frank would file the transcribed depositions 

of others, but only one other deposition, related to the issue of damages, was filed. Further, while 

the transcript of Frank’s deposition was filed, the exhibits referred to in the deposition were not 

filed. 
OHIO FIRST DISTRICT COURT OF APPEALS 

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containing the fountain fell to the ground during the unloading process, damaging 

the fountain. 

{¶5} After installing the damaged fountain, Jackson apologized to Frank 

and told him that RH would pay for the repairs. At the same time, Jackson directed 

Frank to call the office to find out how much was owed for the service and gave him a 

document acknowledging the completion of the move, on which Jackson had written, 

“Fountain was dropped on its face by [Defendant,] * * * damage to be accessed for 

repair.” That form also contained information about the deductible and limit of RH’s 

insurance policy. 

{¶6} When Frank contacted RH the next day to pay for the service, he was 

assured that RH had insurance that would pay for the repairs. Frank paid for the 

service, believing that RH would pay to repair the fountain and that it had insurance 

coverage for those repairs. 

{¶7} Subsequently, RH submitted a claim to its insurer for damage to the 

fountain. In April 2013, after an investigation, the insurer denied the claim, and RH 

notified Frank about the lack of coverage. Frank then called Wallace to find out how 

RH was going to pay for the repairs. Wallace told him that RH was not going to pay 

for the damage to the fountain because the insurer had denied coverage. 

{¶8} After Wallace told him RH would not pay for the repairs, Frank 

obtained estimates for the repairs and paid approximately $27,000 to repair the 

fountain that he had purchased for $22,000. He also filed a lawsuit against RH, 

setting forth claims for negligence and violations of the CSPA. 

{¶9} Frank dismissed his original lawsuit but later filed this lawsuit 

alleging the same claims. RH moved for summary judgment on the CSPA claim, 
OHIO FIRST DISTRICT COURT OF APPEALS 

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arguing that the case involved damages to a decorative fountain that were 

proximately caused by RH’s negligence, but that Frank had stated no legally 

actionable or factually meritorious violation of the CSPA. 

{¶10} Frank opposed summary judgment. Of importance to this appeal, he 

contended that a genuine issue of material fact remained as to whether RH had 

engaged in an unfair, deceptive or unconscionable act or practice by failing to 

disclose to Frank when it agreed to move the fountain the limited scope of its 

insurance coverage; by telling him that the company would pay to repair the 

fountain, but then refusing to pay for the repairs; and by negligently unloading the 

fountain. 

{¶11} The trial court determined that no material facts were in dispute and 

there was no way to construe those facts to support any claimed violation of the 

CSPA. After granting RH’s motion for summary judgment on the CSPA claim, it 

certified in its partial judgment that there was no just cause for delay. Frank now 

appeals. 

{¶12} Frank’s sole assignment of error alleges the trial court erred by 

granting RH’s motion for summary judgment, because genuine issues of material 

fact remained as to the alleged CSPA violations. He essentially contends that a 

reasonable fact finder could find for him and against RH on the claimed violations. 

Because the case was decided upon summary judgment, we review the matter de 

novo, applying the standards set forth in Civ.R. 56. Comer v. Risko, 106 Ohio St.3d 

185, 2005-Ohio-4559, 833 N.E.2d 712, ¶ 8. 
OHIO FIRST DISTRICT COURT OF APPEALS 

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II. Analysis 

{¶13} CSPA is a remedial law that prohibits unfair, 

deceptive, or unconscionable acts or practices. Ohio’s Consumer Sales 

Practices Act is a remedial law, designed to compensate for inadequate traditional 

consumer remedies, and must be liberally construed to achieve its remedial purpose. 

See Einhorn v. Ford Motor Co., 48 Ohio St.3d 27, 29, 548 N.E.2d 933 (1990). 

Modeled after the Uniform Consumer Sales Practices Act, it provides “policies [for] 

protecting consumers from suppliers who commit deceptive and unconscionable 

sales practices and encourage[s] the development of fair consumer sales practices.” 

Crye v. Smolak, 110 Ohio App.3d 504, 512, 674 N.E.2d 779 (10th Dist.1996), citing 

Thomas v. Sun Furniture and Appliance Co., 61 Ohio App.2d 78, 81, 399 N.E.2d 567 

(1st Dist.1978). 

{¶14} As relevant to this case, the CSPA prohibits suppliers from 

committing an unfair, deceptive or unconscionable act or practice in connection with 

a consumer transaction, “whether the act or practice occurs before, during, or after 

the transaction.” R.C. 1345.02(A) and 1345.03(A). There is no dispute that the 

transaction at issue in this case is a consumer transaction and that RH is a supplier 

as contemplated under the CSPA. 

{¶15} R.C. 1345.02(A) sets forth the general prohibition on unfair or 

deceptive acts or practices in connection with a consumer transaction. R.C. 

1345.02(B) lists ten misrepresentations deemed to be “deceptive,” and other 

subdivisions of R.C. 1345.02 specify additional conduct proscribed as unfair or 

deceptive. 
OHIO FIRST DISTRICT COURT OF APPEALS 

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{¶16} Unconscionable acts and practices are prohibited by R.C. 1345.03. 

R.C. 1345.03(A) generally prohibits suppliers from committing an “unconscionable 

act or practice” in connection with a consumer transaction. The term 

“unconscionable” is not defined, but R.C. 1345.03(B) contains a list of 

“circumstances” that should be considered when determining whether an act or 

practice is unconscionable. 

{¶17} In addition to the statutes, two other authorities can determine 

what constitutes a violation of the CSPA: (1) the rules adopted by the Ohio Attorney 

General and found in the Ohio Administrative Code and (2) the judiciary. See R.C. 

1345.05(B)(2) and (F); Frey v. Vin Devers, Inc., 80 Ohio App.3d 1, 6, 608 N.E.2d 

796 (6th Dist.1992). To keep consumers, suppliers, and the legal community 

informed about the rights and responsibilities under the CSPA, the Attorney General 

is directed to “[m]ake available for public inspection * * * all judgments, including 

supporting opinions, by courts of this state * * * determining that specific acts or 

practices violate section 1345.02 [and] 1345.03[.]” R.C. 1345.05(A)(3). These 

judgments and opinions that provide notice are published in the Online Public 

Inspection File (“OPIF”) on the attorney general's website. See

https://opif.ohioattorneygeneral.gov. 

{¶18} The inclusion of a judgment in the OPIF file, however, does not 

mean that the judgment is actually a judgment of a court determining, and thus 

establishing, what is a CSPA violation. Some judgments made available in OPIF are 

consent judgments that articulate the parties’ agreement that a violation has 

occurred, but are not judgments based on a judicial “determination” that a violation 

has occurred. See Vuyancih v. Jones & Assocs. Law Group., L.L.C., 2018-Ohio-685, 
OHIO FIRST DISTRICT COURT OF APPEALS 

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95 N.E.3d 458, ¶ 13-15 (8th Dist.2018), citing Pattie v. Coach, Inc., 29 F.Supp.3d 

1051, 1056 (N.D.Ohio 2014); see also Save the Lake v. Hillsboro, 158 Ohio App.3d 

318, 2004-Ohio-4522, 815 N.E.2d 706 (4th Dist.) (explaining that while a consent 

judgment, or agreed judgment, has the effect of a final judgment, it is a contract 

founded upon the agreement of the parties in which the defendant admits liability). 

But see Charvat v. Teletytics, L.L.C., 10th Dist. Franklin No. 05AP-1279, 2006-Ohio4623 (holding that a consent judgment contains “ ‘an act or practice determined by a 

court’ ” to violate the CSPA). 

{¶19} Ultimately, the lack of any prior administrative or judicial rule or 

determination providing notice that a specific act or practice is unfair, deceptive, or 

unconscionable does not preclude a trial court from determining, based on the 

evidence, that an act or practice is unfair, deceptive, or unconscionable. Hamilton v. 

Ball, 2014-Ohio-1118, 7 N.E.3d 1241, ¶ 36 (4th Dist.). But, generally, the lack of 

specific notice does affect the consumer’s remedies for the violation. See R.C. 

1345.09(B). 

{¶20} Unfair or deceptive acts or practices. Frank maintains 

that reasonable minds could conclude that RH engaged in two unfair and deceptive 

acts: first, when it failed to disclose to Frank the limitations of its insurance before 

Frank hired RH to move the fountain, and second, when RH’s employees 

misrepresented after the move that RH would pay to repair the fountain damaged 

during the move. 

{¶21} Initially, we address Frank’s allegations concerning the insurance 

nondisclosure. Frank cites no statute or code that specifically proscribes the 

conduct, contending instead that courts have determined that RH’s specific conduct 
OHIO FIRST DISTRICT COURT OF APPEALS 

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was unfair and deceptive. In support, he cites three cases: Brown v. Van Walsen, 

Franklin C.P. No. 75CV-05 2013 (Nov. 5, 1979) (OPIF No. 10000004); Anderson v. 

Ace Brothers Moving and Storage, Franklin C.P. No. 90CVH12-9780 (date unclear) 

(OPIF 10000219); and Martino v. Wells Moving & Storage, Warren C.P. No. 

03CV60923 (Jan. 8, 2004) (OPIF No. 10002212). 

{¶22} Van Walsen involved an action for injunctive relief brought by the 

Ohio Attorney General against a moving company. The parties entered into a 

consent judgment that required the moving company to “affirmatively disclose, at 

the time of initial contact with a consumer in regard to moving and/or storage 

services, any and all limitations on the liability insurance carried by [the moving 

company], the significance of such limitations and the availability of the cost of 

greater insurance coverage.” The case, however, was resolved by a consent judgment 

and is not considered a decision by a court, see Vujancih, 2018-Ohio-685, 95 N.E.3d 

458, at ¶ 13-15, and also involved licensing issues not raised in this case. 

{¶23} The second case, Anderson, involved an action for damages and 

injunctive relief brought by customers of a moving company. In the trial court’s 

“Agreed Entry of Judgment,” the court, “by agreement of the parties,” found the 

moving company, “by representing to customers that the business was bonded and 

insured, when such was not the case, ha[d] committed unfair and deceptive acts in 

violation of the Revised Code Section 1345.02(A),” and ordered monetary damages 

and injunctive relief. This “agreed entry of judgment” appears to be in effect a 

consent judgment. Further, the case is distinguishable from Frank’s case because the 

defendant-mover in Anderson, unlike RH, made a false representation that the 

business was bonded and insured and actually carried no insurance. 
OHIO FIRST DISTRICT COURT OF APPEALS 

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{¶24} The third case Frank cites, Martino, involved a judicial 

determination that a moving company violated the CSPA, but the case does not 

involve a violation based on an omission or misrepresentation with respect to the 

moving company’s insurance coverage. Consequently, Frank’s position, that it has 

been judicially determined that RH had acted unfairly or deceptively, is unfounded, 

because none of the cited cases has the force of a judicial determination relating to 

the claimed violation. 

{¶25} Next, we review whether there are any material facts in dispute 

and, if not, when the facts are construed most favorably to Frank, reasonable minds 

could conclude, based on the alleged conduct, that RH had acted unfairly or 

deceptively when it failed to disclose to Frank the scope of its insurance coverage at 

the outset of the transaction. 

{¶26} The gravamen of Frank’s complaint is that the challenged act was 

deceptive. To determine whether an act or practice is deceptive, the question is 

whether the supplier did or said something, regardless of intent, that has the 

likelihood of inducing in the mind of a consumer a belief that was not in accordance 

with the facts. Frey, 80 Ohio App.3d at 6, 608 N.E.2d 796, cited in Lump v. Best 

Door & Window, Inc., 3d Dist. Logan Nos. 8-01-09 and 8-01-10, 2002-Ohio-1389, 

*4. See Shumaker v. Hamilton Chevrolet, Inc., 184 Ohio App.3d 326, 2009-Ohio5263, 920 N.E.2d 1023, ¶ 19 (4th Dist.). But the consumer’s perceptions must be 

reasonable in light of the circumstances. Shumaker at ¶ 19; Struna v. Convenient 

Food Mart, 160 Ohio App.3d 655, 2005-Ohio-1861, 828 N.E.2d 647, ¶ 15 (8th Dist.), 

citing Conley v. Lindsay Acura, 123 Ohio App.3d 570, 575, 704 N.E.2d 1246 (10th 

Dist.1997); Knoth v. Prime Time Marketing Mgmt., Inc., 2d Dist. Montgomery No. 
OHIO FIRST DISTRICT COURT OF APPEALS 

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20021, 2004-Ohio-2426, ¶ 31. Ultimately, the CSPA is designed “to protect a 

consumer from a supplier’s deceptions and curtail unscrupulous acts of suppliers,” 

not place unreasonable and “undue burdens on suppliers.” Eisert v. Kantner 

Constr., 3d Dist. Auglaize No. 2-10-13, 2010-Ohio-4815, ¶ 30. 

{¶27} Although Frank averred that RH’s failure to disclose the scope of 

its insurance had induced him to hire RH to move the fountain, it is undisputed that 

he had not asked Wallace about insurance coverage before hiring RH for the move, 

and that Wallace made no misrepresentations concerning RH’s insurance with 

respect to the move of the fountain. Further, it is undisputed that RH’s website 

contained no representations about the scope of RH’s insurance, and that RH’s only 

prehiring statement to Frank about its insurance, provided months earlier, was 

vague and involved a different transaction. Finally, Frank does not allege that RH 

had failed to obtain insurance that was required by law, conduct that the legislature 

has specifically deemed an unfair or deceptive act or practice. See R.C. 1345.02(G). 

{¶28} Based on this record, we determine no material facts are in dispute 

and that no reasonable trier of fact could conclude that RH’s silence on the issue of 

its insurance would likely induce in Frank’s mind a belief that RH did have insurance 

for the damage that was subsequently incurred. Our determination might be 

different if the facts showed that RH had repeatedly or in a more contemporaneous 

transaction told Frank that the company had “full coverage” insurance. Because it 

would not be reasonable for Frank to be induced by RH’s silence under the 

circumstances presented, we hold that RH’s silence was not an unfair or deceptive 

act or practice under the CSPA. 
OHIO FIRST DISTRICT COURT OF APPEALS 

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{¶29} Frank argues too that a reasonable trier of fact could determine 

that RH’s unfulfilled promise that it would pay for the repairs was unfair and 

deceptive. We agree. 

{¶30} It is undisputed that RH’s highly-touted employee Jackson told 

Frank immediately after the move that RH would pay for the repairs and that Frank 

was reassured the next day, during a conversation with another employee, that RH 

had insurance that would cover the repairs. RH argues that Frank’s claim fails 

because there are no facts in the record supporting a finding that RH knew its 

representations were misleading. However, it is settled law that intent to deceive is 

not a necessary element of a claimed violation of R.C. 1345.02. Sun Furniture, 61 

Ohio App.2d at 81, 399 N.E.2d 567; Lump, 3d Dist. Logan No. 8-01-09, 2002-Ohio1389, citing Frey, 80 Ohio App.3d 1, 608 N.E.2d 796. Thus, RH’s knowledge is not 

relevant to the initial determination that RH committed an unfair or deceptive act as 

contemplated by R.C. 1345.02(A). 

{¶31} RH also contends the false statement about paying for the repairs 

was insufficient because it involved a matter merely incidental to the transaction, 

citing Richards v. Beechmont Volvo, 127 Ohio App.3d 188, 711 N.E.2d 1088 (1st 

Dist.1998). In Richards, a car dealership, when servicing a customer’s car, removed 

the customer’s license plate frames and, without the customer’s knowledge or 

consent, replaced them with frames bearing the name of the dealership. Id. at 189. 

The consumer sued, claiming the dealership had committed a deceptive and 

unconscionable act under the CSPA. Id. The trial court granted summary judgment 

to the dealership. Id. at 190. This court affirmed, characterizing the switch-out a 

“minor, incidental situation,” and explaining that “[a]lthough the replacement of the 
OHIO FIRST DISTRICT COURT OF APPEALS 

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plate frames could arguably constitute a conversion, that act is not inextricably 

intertwined with the consumer transaction itself [to the warranty repair and other 

services performed on the car] and does not have the capacity or tendency to 

deceive.” Id. at 191. 

{¶32} RH argues that Richards governs because its statements to Frank 

about paying for the damages were not material, and thus inducing, to any choices 

Frank made with respect to the consumer transaction. The Richards case, however, 

is not similar to this case, which involves an actual misrepresentation by RH 

involving its payment for repairs of a fountain it damaged when providing a moving 

service for Frank. Because the fountain was the subject of the consumer transaction, 

this misrepresentation concerning Frank’s remedy for the damage caused during 

move was not completely incidental to the move, but was “inextricably intertwined” 

with the consumer transaction. A deceptive act in connection with a consumer 

transaction is actionable even if it occurs at the end of the transaction. See R.C. 

1345.02(A) (providing that a deceptive act is actionable “whether it occurs before, 

during, or after the [consumer] transaction”). 

{¶33} Moreover, the misrepresentations were made before Frank had 

paid for the service, and he testified that those representations induced him to remit 

full payment to RH the day after the move because he believed RH would pay for the 

repairs. Frank’s belief could be found reasonable, and as a result, these 

misrepresentations are actionable under the CSPA as an unfair or deceptive act or 

practice. 

{¶34} Unconscionable acts or practices. In Frank’s final 

argument in support of reversing summary judgment, he claims that a genuine issue 
OHIO FIRST DISTRICT COURT OF APPEALS 

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of material fact remains as to whether RH committed an unconscionable act or 

practice in violation of R.C. 1345.03(A). In determining whether an act or practice is 

unconscionable, a court must consider the factors, set forth in R.C. 1345.03(B), 

which generally sanction acts and practices of suppliers that “manipulat[e] a 

consumer’s understanding of the nature of the transaction at issue.” Johnson v. 

Microsoft Corp., 106 Ohio St.3d 278, 2005-Ohio-4985, 834 N.E.2d 791, ¶ 24, quoted 

in Hathorn v. Dana Motor, LLC, 1st Dist. Hamilton No. C-150363, 2016-Ohio-5110, 

¶ 19. 

{¶35} Frank contends that RH, by engaging in deceptive acts, such as 

falsely indicating that it would pay to repair his fountain with insurance proceeds, 

also engaged in unconscionable acts and practices. 

{¶36} While deceptive conduct may also be deemed to constitute an 

unconscionable act, the law is clear that to establish an unconscionable act or 

practice, the consumer must show a degree of knowledge sufficient to establish 

scienter. State ex rel. Celebrezze v. Ferraro, 63 Ohio App.3d 168, 173, 578 N.E.2d 

492 (2d Dist.1989), citing Bierlein v. Bernie’s Motor Sales, Inc., 2d Dist. 

Montgomery No. 9590, 1986 WL 6757 (June 12, 1986); Sun Furniture, 61 Ohio 

App.2d at 80, 399 N.E.2d 567. See Clayton v. McCary, 426 F.Supp. 248, 261 

(N.D.Ohio 1976). This “ ‘actual awareness may be inferred where objective 

manifestations indicate that the individual acted with such awareness.’ ” Bierlein at 

*6, quoting R.C. 1345.01(E). 

{¶37} Our record contains no evidence from which it can be inferred that 

RH had knowledge that it was misrepresenting the facts, and Frank does not argue 

otherwise. RH believed it had insurance coverage and intended to use the insurance 
OHIO FIRST DISTRICT COURT OF APPEALS 

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proceeds to pay for the cost of the repairs. Therefore, RH’s misrepresentation that it 

would pay to repair the fountain with insurance proceeds is not actionable as an 

unconscionable act or practice. 

{¶38} Next Frank argues that RH’s negligence when moving the fountain, 

a one-time event, constitutes “a pattern of inefficiency and incompetency” that 

constitutes an unconscionable act or practice, especially because RH had represented 

that it would provide “white-glove service.” Courts have held that a supplier’s 

consistent inefficient and incompetent repair of the subject of a consumer 

transaction can be an unconscionable act in violation of R.C. 1345.03(A). Perkins v. 

Stapleton Buick-GMC Truck, Inc., 2d Dist. Clark No. 2001 CA 10, 2001 WL 669565 

(June 15, 2001), citing Brown v. Lyons, 43 Ohio Misc. 14, 25, 72 O.O.2d 216, 332 

N.E.2d 380 (C.P.1974) (OPIF 10000304). 

{¶39} Frank, however, has not presented any facts demonstrating the 

requisite pattern central to this violation. Consequently, RH’s sole instance of 

negligence in moving the fountain does not fall within the proscribed conduct and 

does not constitute a pattern of inefficiency and incompetency that constitutes a 

violation of R.C. 1345.03(A). 

{¶40} Finally, Frank argues that reasonable minds could determine that 

RH stalled and evaded its legal obligation to Frank, in violation of R.C. 1345.03(A). 

“A supplier in connection with a consumer transaction who * * * continually stalls 

and evades its legal obligation to a consumer[] commits an unconscionable act.” 

Brown at 21, cited in Lump, 3d Dist. Logan No. 8-01-09, 2002-Ohio-1389, at *5, and 

Daniels v. True, 47 Ohio Misc.2d 8, 10, 547 N.E.2d 425 (M.C.1988). 
OHIO FIRST DISTRICT COURT OF APPEALS 

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{¶41} In Brown, among other things, the supplier concealed his true 

identity from consumers by using fictitious names, frequently changed the names 

and locations of his business, failed to answer his phone for unreasonable lengths of 

time, failed to return calls to consumers, and sold defective merchandise for which 

he failed to honor warranties. Brown at 17-18. In Daniels, the supplier “falsely held 

himself out as a corporation, listed his address at a location he had not occupied over 

three years, and failed to respond to repeated phone calls and messages regarding” 

the construction of a garage, which the supplier never completed after accepting 

payment. Daniels at 10. 

{¶42} Frank contends that RH’s statements that it would pay for the 

repairs and that it had insurance to do so, followed by its later refusal to pay for the 

repairs, which necessitated this lawsuit, established that RH continually stalled and 

evaded its legal obligation to him. But unlike in Brown and Daniels, the evidence 

here is not sufficient to support an inference that RH was continually stalling or 

evading its legal obligation to Frank. Instead, the record shows that RH was 

attempting to satisfy any legal obligation, but was unaware that it lacked insurance to 

pay for the repairs. The extent of RH’s legal obligation to Frank for its negligence 

when moving the fountain will be determined at trial, including whether that 

obligation includes damages in an amount exceeding the cost of the fountain. 

III. Conclusion 

{¶43} A genuine issue of material fact exists regarding whether RH 

violated the deceptive acts or practices provision of the CSPA by representing to 

Frank, before Frank paid for RH’s services related to the move of the fountain, that 

RH would pay to repair the fountain that was damaged by RH’s employees during 
OHIO FIRST DISTRICT COURT OF APPEALS 

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the move, and then later refusing to pay for the repair after learning it lacked 

insurance coverage for the repair. Accordingly, we sustain Frank’s sole assignment 

of error, reverse the trial court’s judgment, and remand the cause for further 

proceedings consistent with this opinion. 

Judgment reversed and cause remanded. 

BERGERON, P.J., and CROUSE, J., concur. 

Please note: 

 The court has recorded its own entry on the date of the release of this opinion.