Court Opinion

ID: 9589052
Source: CourtListenerOpinion
Date Created: 2023-08-21 23:41:16.90084+00
Date Added: 2024-06-11T12:29:28.960305
License: Public Domain

Carley, Judge.
Appellee-defendant Thomson is a landlord. Among his tenants was appellee-defendant Anderson. Thomson filed a dispossessory warrant against Anderson. Although Anderson filed a timely answer, Thomson’s repeated inquiries as well as his check of court records indicated that no answer had been filed. A writ of possession was obtained by Thomson and Anderson was evicted from the premises. When Thomson later learned that Anderson’s timely filed answer had been misfiled by the clerk’s office, Thomson moved Anderson’s property back into the premises. Subsequently, Anderson filed a counterclaim in the dispossessory action, seeking damages to her property which had allegedly occurred as the result of the eviction.
Appellant-plaintiff State Automobile Mutual Insurance Company (SAMIC) provides liability coverage to Thomson pursuant to a business policy. Thomson tendered the counterclaim for defense by SAMIC. SAMIC answered the counterclaim under a reservation of *91rights and then initiated the instant declaratory judgment action, seeking a declaration that, under the terms of the policy, it had no duty to furnish liability insurance coverage or to provide a legal defense of any legal action predicated upon the eviction. The business policy in question provides that SAMIC “will pay on behalf of the insured all sums which the insured shall become legally obligated to pay as damages because of . . . property damage to which this insurance applies, caused by an occurrence . . .” “Occurrence” is defined as “an accident, including continuous or repeated exposure to conditions, which results in . . . property damage neither expected nor intended from the standpoint of the insured.” SAMIC moved for summary judgment, contending that there was no coverage since the alleged damage to Anderson’s property was not caused by an “occurrence” as defined in the policy. In opposition to the motion, Thomson and Anderson urged that coverage under the policy was afforded because Thomson did not intend to dispossess Anderson wrongfully. The trial court denied SAMIC’s motion for summary judgment. This appeal results from this court’s grant of SAMIC’s application for an interlocutory appellate review of the order denying its motion for summary judgment.
As noted previously, an insurable “occurrence” is defined in the instant business policy as “an accident, including continuous or repeated exposure to conditions, which results in . . . property damage neither expected nor intended from the standpoint of the insured.” (Emphasis supplied.) However, construing the evidence most strongly in favor of the non-moving parties as must be done, Thomson, as the landlord, “neither expected nor intended” to damage the property of his tenant, Anderson. He expected and intended only to evict Anderson, as he honestly but mistakenly thought he then had a lawful right to do. Eviction is a remedy whereby a landlord can secure rightful possession of his premises by dispossessing his former tenant. Thus, if Anderson’s property was damaged, it was not as the immediate and sole result of an act on the part of Thomson which was calculated to accomplish that damage, but solely as the result of the circumstances leading up to and then accompanying this particular act of eviction. Viewing the eviction “from the standpoint of [Thomson, as] the insured,” he sought only to have the property removed from the premises and, if the property was subsequently damaged by exposure to the elements, it was attributable to Anderson’s earlier failure to have removed it herself or to have been present at the premises to make arrangements for its disposition as it was being physically removed therefrom. Compare Stein v. Mass. Bay Ins. Co., 172 Ga. App. 811 (324 SE2d 510) (1984), holding that, under a homeowner’s policy, a shot, although fired in self-defense, is nonetheless expected or intended to inflict bodily injury. It was only after the fact that Thom*92son learned that Anderson, her answer having been misfiled, contended that she had no legal obligation to vacate the premises and that she had not in effect abandoned the property and that, if the property had been damaged, it might be attributable to Thomson’s own act of eviction and not to his tenant. Thus, the trial court correctly ruled that, although the eviction may have been intentional, the evidence of record does not demonstrate that, as a matter of law, the damage that occurred in connection with this particular eviction was not the result of an insurable “occurrence” under this business policy.

Judgment affirmed.

Banke, C. J., Pope, Benham, and Beasley, JJ., concur. Deen, P. J., McMurray, P. J., and Birdsong, P. J., dissent. Sognier, J., disqualified.