Pursuant to 5 T H C IR . R. 47.5, the court has determined that thi s opinion should not * be publishe d an d is not precedent except under the limited circu mstance s set forth in 5 T H C IR . R. 47.5 .4. 

### INTHE UNI TED S TATESCOU RT OFAPPEALS

FORTHE FIFTH CIRCU IT

N o. 08- 20545
LI LLI E PL U M BE R- W I LLI AM S P l a i n ti ff - A p p ell a n t v. AL TAHEALT H AND L I FE I NSURANCE COM PA NY; HARTF ORD LI FE & ACCI DENT I NSURANCE COM PA NY D efen da n t s - A pp el l ees

A pp ealf

rom t h e U n i t ed S t ates D i st ri ctC ou rtf or t h e Sou t h ern D i st ri ctof Tex as a tH o us t o n
B e fo r e R E AV L E Y , D AV IS , a n dB E N AV ID E S , C ir c u it J u d g e s . . P E R C U R IA M: * Af t e rre vi e w i ng t he pl e ad i ngs a nd the s um m ar y j udg m e nte vi de nc e a l o ng w i t h t h e bri efs and a rgum en tof coun sel , w e reverse the j u dg m en tof t h e di st ri ct court f or t h e f ol l ow i n g reasons: I. T h e p la in tiff

a ll e g e dth e n e ce ss a ryfa cts to a ss e rt a llof th e ele m e n ts o f a breach of

contr actcl ai m i n her am en ded com pl ai n tan d i tw as un n ecess ary f or United States Court of App eals

Fifth Circuit 

### F I L E D May 11, 2009 Cha rl es R. F ulb ru g e II I ClerkN o. 08- 20545

2 h er t o speci f

i cal l y al l ege t h at s h e i n t en ded t o m ai n t ai n her b re a ch of contr act ac t i o n. Ac c o r di ngly, t he pl ai nt i f f a de qua t e l y pl e d ab r e ac h o f c o nt r ac ta c t i o n. II. W i t h r e s p e c tt o t h e p l a i n t i f f ’ s n o n - c o n t r a c t u a la c t i o n s g o v e r n e db ya t wo y e a rs t a t u t e o f

l i mi t a t i o n s , w e a r e s a t i s f i e d t h a t c a u s e o f a c t i o n o n t h o s e c l a i ms ac c r ue d no e ar l i e rt han o n A pr i l28 or29, 200 5 w he n a pay m e ntdue und e rt he p o l i c yw a s d u e a n dn o tp a i d
. T h u s t h e s t a t u t e o f l i mi t a t i o n s o n t h e s e c l a i ms w o u ld n o th a v e r u n u n t iltw o y e a r s la t e ro ro n A p r il2 8 o r2 9 , 2 0 0 7 . P la in t if f’s
s u it o n A p r il 1 6 , 2 0 0 7 w a s th e r e fo r e t im e ly
. P r e s c r ip tio n o n th e s e cla im s o n ly
ac c r ue d when t he i ns ur e r ’ s de ni alr e s ul t e d i n s o m e da m ag e o rde t r i m e ntt o t he p o lic y h o ld e r . Se e , e . g. , Mur r ayv . San J ac i nt o Age ncy , I

nc . , 800 S. W
. 2d 826, 828 (T e x . 1 9 9 0 ) (h o ld in gth a t lim ita tio n s co m m e n c e dw h e n th e in s u r e rw r o n g fu lly deni ed c ove r age bec ause t he i ns ur e d" was u nab l et oob t ai n m uch- neede d m edi c al
a tte n tion
. . . a n d h a d su ffi cie n t fa cts th a t d a y to a ss e rt h e r . . . cla im "); Pr o v i de nt L ife a n dA cc . In s. Co . v . Kn o tt , 12 8 S. W
. 3d 21 1, 22 3 (Tex
. 20 03 ) (ho l di ng t hatt he i n surer den i ed the i n sured' s c l ai m w h en itinf orm ed h i m t h at he w as not enti t l ed to $7 , 5 0 0 i n pa st b e n efi ts, de m a n d ed rep a ym en t of the $7 , 5 0 0 , an drefu sed to p ro v id e co n tin u in gco v e ra g e u n d e r th e ter m s o f th e in su ra n ce p o li cy). For t he ab o ve r e as o ns , t he j udg m e nto f t he di s t r i c tc o ur ti s r e ve r s e d a nd th e ca se is rem a n d ed to th e dist ri ct cou rt for furth er pro cee d i n gs con sist en t w i th t he i ro pi ni o n. RE VE RS ED
.