Source: https://www.scribd.com/document/321207316/SunTrust-Mortgage-Incorporated-v-United-Guaranty-Residential-Insurance-4th-Cir-2013
Timestamp: 2019-04-26 00:24:18+00:00

Document:
Affirmed in part and vacated in part by unpublished opinion.
Judge Wynn wrote the opinion, in which Judge Thacker joined.
CRUTCHER, LLP, Washington, D.C.; Wyatt B. Durrette, Jr., J.
LLP, Washington, D.C., for Appellee.
summary judgment in favor of Plaintiff SunTrust Mortgage, Inc.
Mortgage, and making certain sanctions and evidentiary rulings.
SunTrust Mortgage makes mortgage loans on real property.
second lien loans with an interest-only option.
Mortgage against payment defaults on certain loan products.
is undisputed that United Guaranty authored the Master Policy.
Policy shall not apply to certain listed exclusions.
Guidelines . . . .
Master Policy had been executed.
amendments to the Master Policy.
Mortgage was to use in underwriting its loans.
currently being used and have been mutually agreed upon.
Underwriter, an automated underwriting method.
forth in an over-100-page document created by SunTrust Mortgage.
ineligible for continued coverage . . . .
Master Policy or Flow Plans.
obligation to continue making premium payments.
as well as parol evidence regarding the Guideline Matrix.
SunTrust Mortgages favor on its first breach of contract claim.
judgment on its breach of contract claim.
that the Guideline Matrix established the terms of coverage.
review the district courts summary judgment decision de novo.
In re Peanut Crop Ins. Litig., 524 F.3d 458, 470 (4th Cir.
of Boston, 205 Va. 841, 848, 140 S.E.2d 629, 633 (1965).
sole memorial of that contract . . . .
Harrell, 203 Va. 227, 233, 123 S.E.2d 382, 387 (1962).
Pship Umbrella, Inc. v. Fed. Ins. Co., 260 Va.
123, 133, 530 S.E.2d 154, 160 (2000).
will prevail. Jefferson-Pilot Fire & Casualty Co. v.
Boothe, Prichard & Dudley, 638 F.2d 670, 674 (4th Cir.
Ayers v. Harleysville Mutual Casualty Co., 172 Va.
Accord White v. Blue Cross, 215 Va.
601, 212 S.E.2d 64, 65 (1975) (per curiam).
Pittsburgh, Pa., 828 F.2d 242, 245 (4th Cir. 1987).
Policy is unambiguous as a matter of law.
communications establish the applicable underwriting guidelines.
underwriting guidelines for the IOF Combo 100 loans.
guidelines that [SunTrust Mortgage] is to follow.
But the Flow Plans amended the Master Policy.
effectuate coverage. (quotation marks omitted)).
is not a fully integrated contract.
agreed contemporaneously with the writing.
Corp. Electro-Optical Prods. Div., 993 F.2d 1063, 1069 (4th Cir.
simply cannot jump those hurdles.
therefore, the parties had indeed reduced them to writing.
integration doctrine, United Guarantys argument fails.
Virginia case stating as much.
applied the rule in commercial cases.
Inc., 622 F.2d 90, 93 n.5 (4th Cir. 1980).
authorship of the policy at issue.
in the context of insurance policies.
reliance on Akzona is therefore misplaced.
Programs that are Interest Only Yes, if DU approved.
Nothing is defined or explained in the minimalist matrix.
Guaranty] will insure (J.A. 838).
Plans be read in United Guarantys favor.
Guideline Matrix set forth the requirements for coverage.
Flow Plans to clearly reflect that.
for clear error, while conclusions of law are examined de novo.
fees under Virginia Code 38.2-209(A).
The parties settled the fee issue before trial.
huge amount of money and the possibility of stigma.
and elsewhere, its first material breach affirmative defense.
basis for its first material breach defense.
performing IOF Combo 100 Loans.
material breach of the insurance policy.
avoidance or affirmative defense . . . .
Fed. R. Civ. P. 8.
case . . . .
5 Fed. Prac. & Proc. Civ. 1278 (3d ed. 2012).
(in this instance for declaratory relief) under the policy).
and fair dealing is an affirmative defense.
of good faith and fair dealing, and waiver.
Prima Facie Case 2:1 (rev. ed. 2012) (emphasis added).
for the first time by the court months after trialis obvious.
it known that good faith and fair dealing was at issue.
the two-step trial would eliminate a lot of witnesses . . . .
Virginia state law would not have put United Guaranty on notice.
materiality of a breach . . . .
those five factors is good faith and fair dealing.
type of evidence required to establish material breach, J.A.
Horton, 254 Va. at 116, 487 S.E.2d at 204.
claim inhered in SunTrusts first material breach defense.
the good faith and fair dealing determination.
amount must be deducted from SunTrust [Mortgage]s damages . . .
premium savings, as they no longer exist.
for SunTrust Mortgages misconduct relating to the fraudulent email alterations.
partys misconduct derives from the courts inherent power.
Chambers v. NASCO, Inc., 501 U.S. 32, 44-45 (1991).
Shaffer, 11 F.3d at 461.
or undermines the integrity of the process.
conduct in the future; and (6) the public interest.
which SunTrust Mortgage could be held responsible.
incurred in litigating its sanctions motion.
Silvestri, 271 F.3d at 593.
February 22, 2008 e-mail that Pettitt had altered.
Chambers, 501 U.S. at 45.
behavior on the judicial process were only temporary.
claim will not be put to a jury.
regarding a refused jury instruction is moot.
jury under Federal Rule of Evidence 403(b).
part the orders on appeal.
majoritys disposition of this case.
altered the fundamental balance of power between the parties.
are currently being used and have been mutually agreed upon.
The majoritys opinion follows a similar direction.
LLC, 557 S.E.2d 199, 200 (Va. 2002).
objects, is found to fit two or more of them equally.
Wigmore, Evidence 2472, at 233 (3d ed. 1940)).
Virginia Elec. & Power Co. v. Norfolk S.
Ry. Co., 683 S.E.2d 517, 526 (Va. 2009) (quoting Galloway Corp.
v. S.B. Ballard Constr. Co., 464 S.E.2d 349, 354 (Va. 1995)).
evidence to resolve a latent ambiguity.
is a question of fact for the jury, not for the court.
Brock, 91 S.E. 761, 762 (Va. 1917).
language in the Flow Plans.
is a triable issue of fact.
be resolved on motions for summary judgment); Am. Fid. & Cas.
Co. v. London & Edinburgh Ins. Co., 354 F.2d 214, 216 (4th Cir.
be no controversy as to the inferences to be drawn from them.).
with two or more reasonable interpretations.
Guarantys hands in defending itself in this lawsuit.
including insurance contracts, Virginia Farm Bureau Mut. Ins.
Co. v. Williams, 677 S.E.2d 299, 302 (Va. 2009).
is excused from paying renewal premiums.
afforded to district courts on such matters.

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