Court Opinion

ID: 9368075
Source: CourtListenerOpinion
Date Created: 2023-02-02 18:08:06.362578+00
Date Added: 2024-06-11T17:16:05.466985
License: Public Domain

[Cite as Rolinc v. Williams, 2023-Ohio-309.]

                               COURT OF APPEALS OF OHIO

                             EIGHTH APPELLATE DISTRICT
                                COUNTY OF CUYAHOGA

TODD BENJAMIN ROLINC,                                :

                 Plaintiff-Appellee,                 :
                                                              No. 111518
                 v.                                  :

NICOY WILLIAMS, ET AL.,                              :

                 Defendants-Appellees.               :

[Appeal by Intervener Nationwide                     :
Property & Casualty Insurance
Company]                                             :

                                JOURNAL ENTRY AND OPINION

                 JUDGMENT: AFFIRMED
                 RELEASED AND JOURNALIZED: February 2, 2023

            Civil Appeal from the Cuyahoga County Court of Common Pleas
                                Case No. CV-21-945337

                                               Appearances:

                 Cavitch, Familo & Durkin Co., LPA, Gregory E. O’Brien,
                 and Cory J. Martinson, for intervener-appellant.

                 Thomas S. Amato, for appellee Todd Benjamin Rolinc.

                 Holland & Muirden and J. Jeffrey Holland; Terrance J.
                 Kenneally & Assoc. and Sean Kenneally, for appellee
                 Nicoy Williams.
LISA B. FORBES, J.:

               Third-party intervenor Nationwide Property & Casualty Insurance

Company (“Nationwide”) appeals from the trial court’s journal entry denying its

summary judgment motion and granting summary judgment to plaintiff Todd

Benjamin Rolinc (“Rolinc”) concerning an insurance coverage dispute in this dog

bite case. After reviewing the facts of the case and pertinent law, we affirm the lower

court’s judgment.

I.   Facts and Procedural History

               On June 8, 2020, Nicoy Williams’s (“Williams”) dogs, a pit bull mix

named Mallory and a bulldog named Beastro, attacked Debra Shufran’s (“Shufran”)

dog, a Welsh terrier named Tootsie. At the time of the attack, Shufran thought it

was an isolated incident, and she did not file a police report.

               On August 2, 2020, Rolinc was walking with his girlfriend and her

two dogs. As they passed Williams’s house, Mallory and Beastro jumped through

the front screen door and attacked Rolinc. Although Williams was able to pull

Beastro off of Rolinc, Beastro bit Rolinc several times, resulting in injuries that

required medical attention.     Police responded to the scene and a report was

generated.

               On August 5, 2020, Shufran filed a police report concerning the

June 8, 2020 attack of Tootsie. This report states that both Mallory and Beastro bit

Tootsie. According to Shufran, she decided to file the report after witnessing Beastro
attack Rolinc on August 2, 2020, and realizing the June 2020 attack was not

isolated.

               Rolinc filed an action for negligence and liability under

R.C. 955.28(B) based on the August 2, 2020 incident. Nationwide, who had issued

a homeowner’s insurance policy to Williams for coverage from September 24, 2019,

to September 24, 2020 (the “Policy”), was granted leave to intervene and filed a

complaint for declaratory judgment. In this intervening complaint, Nationwide

alleged that the “Policy’s Dog exclusion bars coverage * * * for claims of ‘bodily

injury’ arising out of…(e) Any dog with a prior history of attacking or biting * * *

person(s) or animal(s), as established through insurance claim records, or through

records of local public safety, law enforcement or other similar regulatory agency.”

Nationwide asked the court to declare that it “has no duty to indemnify Williams

against Rolinc’s claims * * *” and it “has no duty to continue defending Williams

against Rolinc’s claims * * *.”

               On May 4, 2022, the court denied Nationwide’s summary judgment

motion and granted summary judgment to Rolinc on Nationwide’s intervening

complaint, declaring that the Policy “provides personal liability coverage to * * *

Williams for the claims alleged in Rolinc’s complaint, and Nationwide owes a duty

to defend and indemnify” Williams.

               It is from this order that Nationwide appeals.
II. Law and Analysis

       A. Summary Judgment

               Appellate review of granting summary judgment is de novo. Pursuant

to Civ.R. 56(C), the party seeking summary judgment must prove that (1) there is no

genuine issue of material fact; (2) they are entitled to judgment as a matter of law;

and (3) reasonable minds can come to but one conclusion and that conclusion is

adverse to the nonmoving party. Dresher v. Burt, 75 Ohio St.3d 280, 662 N.E.2d

264 (1996).

       B. The Policy

               The Policy states that “Personal Liability and Coverage” and “Medical

Payments to Others” do not apply to: ‘“Bodily injury’ arising out of * * * [a]ny dog

with a prior history of attacking or biting * * * person(s) or animal(s), as established

through insurance claims records, or through the records of local public safety, law

enforcement or other similar regulatory agency.” For ease of discussion, we refer to

this   prior-established-history-of-attacking-or-biting-dog      exclusion     as   the

“Exclusion.”

               The Ohio Supreme Court has held that if an insurance “contract is

clear and unambiguous, then its interpretation is a matter of law and there is no

issue of fact to be determined.” Inland Refuse Transfer Co. v. Browning-Ferris

Industries of Ohio, Inc., 15 Ohio St.3d 321, 322, 474 N.E.2d 271 (1984).
      C. Analysis

               In its sole assignment of error, Nationwide argues that the

aforementioned Exclusion in the Policy applies in the case-at-hand because the

“Policy does not require that the record documenting Beastro’s prior history of

attacking or biting must have been created prior to the attack on Rolinc.”

Nationwide cites no law to support this specific argument.

               The pivotal issue in this case — whether Beastro’s prior history of

biting or attacking was “established” as specified in the Policy — requires us to

determine the relevant time in an insurance dispute. See Kaplysh v. Takieddine, 35

Ohio St.3d 170, 174, 519 N.E.2d 382 (1988) (“[B]ecause Haifa Takieddine was not a

licensed driver at the time of the accident and because the rental agreement stated

that only the renter and qualified licensed drivers could operate the rental vehicle,

[the insurance company] is not required to indemnify and defend Haifa

Takieddine.”). (Emphasis sic.) In Kaplysh, the court found the relevant time to be

the date of the accident. “Takieddine’s license to drive expired twenty-one days

before the accident of August 22, 1980. * * * The fact that she was subsequently

issued a license * * * is not relevant.” Id. at 173-174.

               In Collins v. Auto-Owners Ins. Co., 12th Dist. Warren No. CA2016-

08-074, 2017-Ohio-880, ¶ 20, our sister court interpreted Kaplysh to mean that “the

only relevant time in an insurance contract dispute was * * * the time of the

accident.” The facts in the case at hand are not in dispute. On August 2, 2020, which

is the date Beastro attacked and bit Rolinc, Beastro did not have an “established”
prior history of attacking or biting a person or animal. In fact, the August 2, 2022

police report of the incident with Rolinc is the first “established” history of Beastro

attacking or biting a person or animal. In applying Kaplysh, we find that the August

5, 2022 police report is irrelevant to a determination of whether Beastro had a prior

established history of biting or attacking.

               Upon review, we find that the Exclusion does not apply in the instant

case, and Rolinc was entitled to judgment as a matter of law on Nationwide’s

intervening complaint. Accordingly, the court did not err by granting Rolinc’s

summary judgment motion and Nationwide’s sole assignment of error is overruled.

               Judgment affirmed.

      It is ordered that appellees recover from appellant costs herein taxed.

      The court finds there were reasonable grounds for this appeal.

      It is ordered that a special mandate be sent to said court to carry this judgment

into execution.

      A certified copy of this entry shall constitute the mandate pursuant to Rule 27

of the Rules of Appellate Procedure.

LISA B. FORBES, JUDGE

KATHLEEN ANN KEOUGH, P.J., and
MARY EILEEN KILBANE, J., CONCUR