NOTICE: NOT FOR OFFICIAL PUBLICATION. UNDER ARIZONA RULE OF THE SUPREME COURT 111(c), THIS DECISION IS NOT PRECEDENT IAL AND MAY BE CITED ONLY AS AUTHORIZED BY RULE

.

IN THE 

## A RIZONA 

## C OURT OF 

## A PPEALS

D IVISION O NE

AVANNA ANN RIBITZKI, a single woman
,

Plaintiff/Appellant
,

v.

AMERICAN FAMILY MUTUAL INSURANCE COMPANY
,

Defendant/Appellee

.
No. 1 CA

- CV 15

- 0509

Appeal from the Superior Court in Maricopa County

No. CV 2013

- 005242 The Honorable Katherine M. Cooper
, Judge

AFFIRMED

COUNSEL

Avanna Ann Ribitzki
, Scottsdale Plaintiff/Appellant

Tyson & Mendes LLP
, Phoenix By Lynn M. Allen, JP Harrington Bisceglia C ounsel for Defendant/AppelleeRIBITZKI v. AMERICAN FAMILY Decision of the Court

2 MEMORANDUM DECISION
Judge Randall M. Howe delivered the decision of the Court, in which Presiding Judge Kenton D. Jones and Judge Donn Kessler joined.

H O W E , Judge:

¶1 Avanna Ann Ribitzki appeals from the trial court’s judgment dismissing her claims against American Family Mutual Insurance Company and denial of a motion for new trial . For the following reasons,

we affirm

.

FACT S AN D PROCEDURAL HISTORY

¶2 American Family insured Ribitzki under a homeowner’s insurance policy that covered loss for personal property. In the event of loss, the policy required that Ribitz k i provide requested records
, submit to an examination under oath , and cooperate with all acts reasonably required by the policy

. ¶3 In November 201 0
, Ribitz k i reported a claim to American Family for loss of personal property due to a theft that occurr ed at her temporary residence. O ver the next several months
, American F amily requested various documents

. Ribitzki provide d some documentation
, but delayed provid ing all the requested documents. American Family reminded Ribit z k i that the policy conditions requir ed cooperation and advised it could not process her claim wi thout the requested documents. Ribitz k i provided additional documentation

. ¶4 While investigating the insured property ’s deed
, American Family noticed several discrepa ncies. American F amily sent Ribitzki a reservation of rights letter advising that “[a]n initial review of your loss has identified facts which may affect the coverag es provided under [the policy]. We are advising you at this time that there is a question whether the coverage under the policy mentioned a bove will apply to this loss.” After further review, American Family sent Ribitz k i a letter explaining that “many discrepancies” existed in her claim a nd that a “thorough investigation is being conducted .”

¶5 American Family conducted an examination under oath in June 2011. Ribit z ki stated that upon abuse of questioning tactics, and theRIBITZKI v. AMERICAN FAMILY Decision of the Court

3 eliciting of no new information, she ended the examination and walked out. T he record and contemporaneous correspondence of American Family
, however, indicates that Ribitzki chose not to proceed with the examination after she was informed that her friend, the person who reported the theft, could not attend

. Ribitz k i stated that she would resched ule the examination under oath.

¶6 For several month s , American F amily sent letters requesting that Ribitzki reschedule the examination under oath. Even after American Family sent notice to Ribitzki that her claim would be placed on ina ctive status for failing to comply with the policy conditions, Ribitzki failed to reschedule the examination under oath

. ¶7 I n December 2013, Ribitzki sued American Family alleging breach of contract and a violation of the covenant of good faith and fair dealing , and sought punitive damages

. American Family moved for summary judgment pursuant to Arizona Rule of Civil Procedure 56, to which Ribitz k i never responded

. The trial court granted American Family’s motion and entered judgment dismissing all claims against American Family

. Ribitzki moved for a new trial, which the trial court denied. The trial court noted that Ribitzki’s failure to respond was one basis to grant summary judgment but that it had also reviewed the entire record and found no genuine iss ue of material fact. Ribitzki timely appealed.

DISCUSSION

¶8 Ribitzki argues that the trial court erred by granting American Family’s motion for summary judgment. Ribitzki does not, however, challenge the denial of her motion for new trial. We review de novo whether the trial court prop erly entered summary judgment. Awsienko v. Cohen , 227 Ariz. 256, 258 ¶ 7, 257 P.3d 175, 177 (App. 2011). We view the evidence in the light most favorable to Ribitzki , against whom the trial court entered judgme nt. Id

. ¶9 Summary judgment is proper when “there is no genuine dispute as to any material fact and the moving party is entitled to judgment as a matter of law.” Ariz. R. Civ. P. 56(a). The nonmoving party “must set forth specific facts showing that there is a genuine issue for trial.” Ariz. R. Civ. P. 56(e). A nonmoving party who chooses to not respond “does so at his peril because uncontroverted evidence favorable to the movant, and from which only one inference can be drawn, will be presumed to be true.” Choisser v. State ex rel. Herman , 12 Ariz. App. 259, 261, 469 P.2d 493, 495 (1970).RIBITZKI v. AMERICAN FAMILY Decision of the Court

4 ¶10 Ribitzki argues that the trial court erred by granting summary judgment as a discovery sanction and for lack of a response

. Contrary to Ribitzki’s argument, the trial cour t did not grant summary ju dgment as a discovery sanction. Moreover, although the trial court cited Rib itzki’s lack of response as one basis for granting summary judgment, the trial court stated that it had reviewed the record and found no genuine issue of material fact. Appellate courts “determine whether the judgment, not the reasoning, of the trial court was correct.” Picaso v. Tucson Unified Sch

. Dist

. , 217 Ariz. 178, 18 1 ¶ 9, 171 P.3d 1219, 1222 (2007).

¶11 Breach of a coope r ation clause is a defense to a clai m for breach of contract “if the insurer has been subs tantially prejudiced thereby.” Clark Equip. C o. v. Ariz. Proper. & Cas. Ins. Guar. Fund , 189 Ariz. 433, 442 , 943 P.2d 793, 8 02 (App. 1997). Although Ribitz k i argues that the evidence on the cooperat ion iss ue presented a fact ual dispute
, because she failed to respond to the Rule 56 motion, no factual dispute was before the trial court. Because the policy requires submission to an examination under oath and the undisputed record before the trial court shows Ribitzki’s failure to comply therewith thwarted American Family’s ability to assess the claim
, the trial court properly granted summary judgment t o American Family based on Ribitzki’s breach of the cooperation clause. See Warrilow v. Super. Ct

. , 142 Ariz. 250, 255, 689 P.2d 193, 198 (App. 1984) (holding that the insured’s refusal to answer questions during the examination under oath constituted a breach of contract and barred recovery on the claim).

¶12 As for Ribitz k i’s claim for violation of the covenan t of good faith and fair dealing, a n insurer that “ intentionally denies, fails to process or pay a claim without a reasonable basis for such action” breaches the implied duty of good faith it owes to its insured. Regal Homes, Inc. v. CNA Ins.
, 2 1 7 Ariz. 15 9
, 1 7 0 ¶ 48
, 171 P. 3 d 6 10 , 6 21 ( App. 2007 )

. The insurer may challenge claims that are “fairly debatable” without acting in bad faith. Id.

¶13 T he record before us is not clear whether American Family was required to pay on Ribitzki’s claim
, and no objective evidence shows
any unreasonable delay in processing Ribitzki’s claim

. American Family presented evidence

— which , again, Ribitzki failed to refute

— that it made reasonable efforts to process the claim, placed the claim on inactive status due to Ribitzki’s failure to comply, and advised it would reopen the claim if Ribitz k i complied. The record is devoid of any evidence that American Family ever formally denied Ribitzki’s clai ms before Ribitzki filed suit. Ribitzki cannot fail to comply with p olicy conditions, then complain that American Family breached its contract ual duty of good faith and fair dealing and acted in bad faith whe n American Family could not adequatelyRIBITZKI v. AMERICAN FAMILY Decision of the Court

5 assess its liability in the absence of Rib itzki’s cooperation. Ribitzki ident ifies

no evidence suggesting that American Family acted unreas onably under these circumstances. In the absence of any evidence of bad faith, the trial court properly granted summary judgment on the bad faith claim

. Because Rbitiski’s bad faith claim presen ts no genuine issue of material fact, we need not consider American Family’s statute of limitations argument.

¶14 R elying on Robinson v. Higuera
, Ribitzki next argues that she was denied due process because an evidentiary hearing was required

. See 157 Ariz. 622, 760 P.2d 622 (App. 1988)

. Robinson
, however, discussed default judgment, not summary judgment. Id. at 625, 760 P.2d at 625. Here,

n o default judgment occurred. Instead, the trial court reviewed the entire record and granted summary judgment on the mer its

. ¶15 Finally, b ecause Ribitzki’s claims for breach of contract and bad faith fail, the trial court properly dismissed her request for punitive damages. See Saucedo ex rel. Sinaloa v. Salvation Army , 200 Ariz. 179, 185

– 86 ¶ 21 , 24 P.3d 1274, 12 80

– 81 (App. 2001) ( holding that the claimant could not recover punitive damages in the absence of recovery of actual damages )

. ¶16 American Family requests attorneys’ fees incurred on appeal pursuant to A.R.S. § 12

– 341.01. We grant its request and will award

reason able fees upon timely compliance with Arizona Rule of Civil Appellate Procedure 21.

CONCLUSION

¶17 For the foregoing reasons, we affirm

.