Court Opinion

ID: 4638054
Source: CourtListenerOpinion
Date Created: 2020-11-30 17:03:32.00447+00
Date Added: 2024-06-11T07:58:45.263396
License: Public Domain

MEMORANDUM DECISION
Pursuant to Ind. Appellate Rule 65(D),
this Memorandum Decision shall not be                                         FILED
regarded as precedent or cited before any                                 Nov 30 2020, 9:12 am

court except for the purpose of establishing                                  CLERK
                                                                          Indiana Supreme Court
the defense of res judicata, collateral                                      Court of Appeals
                                                                               and Tax Court
estoppel, or the law of the case.

ATTORNEYS FOR APPELLANT                                  ATTORNEY FOR APPELLEE
Craig R. Patterson                                       NBD INTERNATIONAL, INC.
Matthew J. Elliott                                       Lindsay H. Lepley
Beckman Lawson, LLP                                      Burt, Blee, Dixon, Sutton &
Fort Wayne, Indiana                                      Bloom, LLP
                                                         Fort Wayne, Indiana
                                                         ATTORNEY FOR APPELLEE
                                                         SELECTIVE INSURANCE
                                                         COMPANY OF AMERICA
                                                         Jennifer Kalas
                                                         Hinshaw & Culbertson, LLP
                                                         Schererville, Indiana

                                          IN THE
    COURT OF APPEALS OF INDIANA

Viking, Inc.,                                            November 30, 2020
Appellant-Plaintiff,                                     Court of Appeals Case No.
                                                         20A-PL-671
        v.                                               Appeal from the Whitley Superior
                                                         Court
NBD International, Inc., and                             The Honorable Douglas M. Fahl,
Selective Insurance Company                              Judge
of America,                                              Trial Court Cause No.
Appellees-Defendants.                                    92D01-1601-PL-6

Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020                  Page 1 of 54
      Mathias, Judge.

[1]   On January 6, 2014, a fire consumed a substantial portion of the business and

      manufacturing premises of Viking, Inc., (“Viking”), a Columbia City, Indiana-

      based manufacturing business. The premises was insured by Selective Insurance

      Company of America (“Selective”).

[2]   On January 6, 2016, Viking filed a Complaint and Demand for Jury Trial

      (“Complaint”) in the Whitley Superior Court against Selective and NBD

      International, Inc. (“NBD”). NBD provides restoration and emergency

      services. Viking alleged that delays that occurred in the restoration of its

      equipment, delays that Viking attributed to NBD and Selective, caused the

      equipment to suffer extensive corrosion that could have been avoided had the

      equipment been restored immediately after the fire. Thus, Viking’s Complaint

      alleged claims for breach of contract, negligence, and bad faith against Selective

      and claims for breach of contract and negligence against NBD. Selective and

      NBD each filed motions for summary judgment. After a hearing on February 6,

      2020, the trial court granted the motions on February 26.

[3]   Viking appeals the trial court’s rulings on the motions for summary judgment,

      raising twenty-seven issues. We consolidate and restate those issues into the

      following seven—whether genuine issues of material fact prelude entry of

      summary judgment on:

              I.    Selective’s defense that a Sworn Statement in Proof of Loss
                    executed by Viking operated as a release and as an accord

      Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 2 of 54
                    and satisfaction, barring all of Viking’s claims against
                    Selective;

              II.   Viking’s claim against Selective for breach of the insurance
                    contract;

              III. Viking’s claim against Selective for negligence;

              IV. Viking’s claims against Selective for negligent hiring,
                  respondeat superior, and negligent claim handling;

              V.    Viking’s claim that Selective breached its duty of good faith
                    and fair dealing;

              VI. Viking’s claim against NBD for breach of contract; and

              VII. Viking’s claim against NBD for negligence.

[4]   We conclude that the trial court erred when it granted summary judgment in

      favor of Selective on Viking’s claims of breach of the insurance contract,

      negligence, negligent claim handling, and the duty of good faith and fair dealing

      and in favor of NBD on the claims of breach of contract and negligence. But we

      find that the trial court properly granted summary judgment to Selective on

      Viking’s claims of negligent hiring and respondeat superior. We thus affirm in

      part, reverse in part, and remand for proceedings consistent with this opinion.

                                 Facts and Procedural History
[5]   Viking manufactures parts for the automotive industry, including hangers and

      clamps. When the events leading to this appeal took place, the owners of Viking

      Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 3 of 54
      were Steven Schwenn (“Steve”) and Vickie Schwenn (“Vickie”). Viking’s

      80,000-square-foot Facility included an office area, manufacturing space, and

      storage space for inventory and raw materials.

              The Fire

[6]   On January 6, 2014, a fire occurred at the Facility. That day, there was

      significant snow and cold temperatures, making travel difficult. Nevertheless,

      firefighters were able to extinguish the fire by midday. At the time, Viking was

      insured by Selective under a standard commercial policy that included coverage

      for the building, business personal property, and business income.

[7]   The fire was centered in, and completely engulfed, the Facility’s office area.

      The manufacturing space, which was next to the office and where Viking

      housed its manufacturing equipment, was not destroyed by the fire; but it was

      affected by the heat and smoke from the fire and the water used by the fire

      department to extinguish the fire. The fire left a hole in the roof that was

      directly over an area of the manufacturing space.

[8]   On the day of the fire, Steve contacted 1-800-BoardUp to have the building

      boarded up. Workers from 1-800-BoardUp came to the Facility that day and

      installed plywood to cover openings that were accessible from the ground. Steve

      also contacted his insurance broker, Jeffrey Peters. Peters contacted Selective to

      report the claim, then contacted Michael Kinder & Sons (“Kinder”), a

      commercial general contractor, and asked the contractor to come out as soon as

      possible to shore up the Facility to prevent further damage. However, the hole

      Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 4 of 54
       in the Facility’s roof over the manufacturing area was not fixed that day, and

       there was no heat in the Facility. As a result, sub-zero temperatures caused the

       Facility’s floor to become slick and ice-covered, and Steve was “very concerned

       that [Viking’s] machines, raw materials, and inventory were being damaged by

       the lack of heat[.]” Appellant’s App. Vol. 17, p. 115. Steve entered the Facility

       the next day and saw that “everything was rusting.” Appellant’s App. Vol. 20,

       p. 38.

[9]    Two days after the fire, Cheryl Sutton, a claim adjuster with Selective, traveled

       to the Facility to perform an assessment. During a phone conversation between

       Sutton and Steve, Sutton “indicated that Selective would be taking care of

       everything and [Viking] didn’t have anything to worry about[;] she would get

       this assigned to a large loss agent[, as she did not handle claims for large losses,]

       and they would be in contact with [Viking].” Appellant’s App. Vol. 6, p. 133.

[10]   Around the time that Sutton spoke with Steve, Selective sent a letter addressed

       to Viking. The letter, dated January 6, acknowledged Selective’s receipt of

       Viking’s claim for fire loss, specifically:

                We are in receipt of your claim reported to us on 01/06/2014.

                If you have already been contacted regarding this claim, there is
                nothing more for you to do at this time. Your claim will begin to
                be worked on and you will be contacted if there is any further
                information.

                If you have not yet been contacted regarding this claim, please
                call the number listed below . . . so we can continue our handling

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 5 of 54
               of your claim. If your claim has already been settled there is no
               need to contact us regarding this matter.

       Appellant’s App. Vol. 7, p. 49. The letter included Sutton’s contact information.

       Around January 9, Selective issued advance payment to Viking in the amount

       of $25,000.00 for payroll and other business interruption expenses.

[11]   Between January 13 and 24, several key events occurred regarding the fire loss.

       Mark Vandegraft (“Vandegraft”), an adjuster from Selective’s Large Loss Unit,

       met with Steve and Vickie. On January 14, Vandegraft inspected the Facility as

       to the fire loss. Around the same time, Selective sent another letter addressed to

       Viking that, except for the date, was nearly identical to the January 6 letter. The

       second letter was dated January 14. Also on January 14, Kinder met with

       Steve, Vickie, and Vandegraft. During the meeting, they discussed building a

       temporary wall to cover the hole created by the fire as well as plans for a

       temporary office. On January 16, ten days after the fire occurred, MK & Sons

       constructed a temporary wall to seal the “gaping hole” in the roof and protect

       the Facility from snow that was being blown inside. Appellant’s App. Vol. 6, p.

       168.

               NBD’s Arrival at the Facility

[12]   NBD performs fire, water, and mold restoration and emergency services

       nationwide for commercial customers, with an emphasis in equipment repair,

       restoration, and disaster response. NBD was contacted by Selective on January

       14, regarding performing a technical assessment of the Facility’s equipment. A

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 6 of 54
       technical assessment consists of visiting a loss site, determining whether power

       is available to the equipment, and examining the extent of damage to the

       equipment. The process involves taking photographs of the damage to assess

       the conditions that existed before, during, and after the assessment, as well as

       recording the make, model, and serial numbers of the equipment, if available.

       The purpose of the technical assessment is to evaluate the loss in order to

       provide the insurance company—in this case, Selective—with an idea of the

       condition of the equipment; whether the equipment can be cleaned or restored;

       and the costs associated with the cleaning or restoration.

[13]   In addition to being asked by Selective to complete the technical assessment for

       Viking’s equipment, NBD was “tasked to get three priority machines up and

       running.” Appellant’s App. Vol. 17, p. 188. The parties dispute whether

       Selective or Viking asked for the repair of the machines.

[14]   Ron Smith (“Smith”), NBD’s project manager, arrived at the Facility on

       January 16. When he arrived, electricity and heat still had not been restored to

       the Facility. On January 16 and 17, Ron and another NBD employee

       performed the technical assessment.

[15]   At some point, mostly likely either January 16 or 17, NBD was hired to begin

       the mitigation, cleaning, and repair of Viking’s equipment. The parties dispute

       the date on which NBD was hired and whether NBD was hired by Selective or

       by Viking. Nevertheless, Steve signed a Work Authorization to Proceed (“Work

       Authorization”) that was provided to him by NBD and which, according to

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 7 of 54
       Steve, was blank when he signed it. Steve testified in his deposition that Ron

       informed him that he needed to sign the Work Authorization before NBD

       would enter the Facility.

[16]   Once Steve signed the Work Authorization, Smith told him that the work crew

       from NBD would arrive at the Facility on January 17 or 18. Steve then

       provided a list, in order of priority, of seven machines that he wanted repaired.

[17]   On January 18, NBD’s work crew arrived and began the mitigation and
                                                                                                         1
       cleaning of the equipment, which continued through the following day. While

       performing the mitigation, NBD also worked on the priority-listed machines

       that Steve had provided. However, during the cleaning process of the machines,

       an incident occurred where either a Viking employee or a member of the NBD

       crew sprayed WD-40 on one of the machines, causing it to jam. That particular

       machine had to be disassembled and cleaned, and the brass bearings had to be

       machine-turned, shimmed, and replaced because the application of WD-40 to

       brass removes any lubrication present. By January 20, fully two weeks after the

       fire, heat still had not been restored to the Facility.

                Viking Hires a Public Adjuster

[18]   On January 20, Viking hired a public adjuster, William “Bill” Watterud

       (“Watterud”) to assist Viking in the settlement of its insurance claim. That same

       1
        Mitigation involved removing heavy soot build up from the equipment and applying lubricant to certain
       metal parts to prevent further damage until the work crew can later return and begin the cleaning process.
       After mitigation, the crew disassembles the equipment and begins the cleaning process.

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020                 Page 8 of 54
       day, Watterud did a walk-through of the building with Smith, and Smith

       provided an update on the mitigation, cleaning, and repair work being

       performed by NBD. Watterud told NBD to stop performing the work. Upon

       receiving the directive, the crew stopped working. But NBD remained at the

       Facility to finish the technical assessment and to perform an inventory of the

       parts located at the Facility. The inventory was performed on January 21 and

       22.

[19]   A day later, on January 21, Watterud asked Smith to have his crew resume

       working on Viking’s machines—this time performing mitigation only and no

       cleaning. Watterud asked Smith to write the words “mitigation only” on the

       Work Authorization. Appellant’s App. Vol. 17, p. 171. By this time, limited

       heat and some lighting—provided by temporary electricity—was being supplied

       to the Facility.

[20]   On January 23, NBD resumed mitigation work on the machines. However, the

       following day, either Watterud or Steve instructed NBD to stop working, and

       the mitigation work was again halted. NBD did not return to the Facility to

       perform any work after January 24, with the exception of retrieving its

       equipment. As of that date, NBD had completed the inventory and the

       technical assessment.

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 9 of 54
[21]   The same day NBD stopped working, Viking hired another restoration
                                                        2
       company, Protechs, Inc. (“Protechs”), to complete the cleaning and restoration

       work at the Facility. Protechs worked at the Facility from January 27, 2014,

       through February 12, 2015.

                  Selective Hires Equipment-Expert Ian Malee

[22]   On February 26, over a month after NBD left Viking’s facility, Vandegraft

       contacted Ian Malee, an equipment expert, and asked Malee to visit the Facility

       to perform a site inspection and evaluate the condition of Viking’s equipment.

       Malee visited the Facility for the first time sometime between February 26 and

       March 7. On March 7, Malee sent Vandegraft a preliminary report that

       contained his findings regarding Viking’s equipment. The report indicated that

       Viking was experiencing equipment failures that would not have occurred had

       the equipment been subjected to a thorough recovery protocol.

                  NBD’s Invoice

[23]   Meanwhile, on January 30, NBD emailed Vandegraft and attached an invoice

       in the amount of $63,357.56 for the work NBD performed at the Facility.

       Vandegraft testified that he first saw the invoice on March 5, 2014. NBD did

       not send the invoice to Viking. Vandegraft initially attempted to dispute the

       2
           Protechs is not a party to this appeal.

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 10 of 54
       invoice based on Watterud’s and Steve’s complaints regarding the quality of

       NBD’s work.

[24]   On April 21, NBD filed a lawsuit against Viking, seeking to collect the invoice

       amount. After NBD filed suit, Vandegraft paid the amount in full. Selective

       decided to pay the NBD invoice in exchange for NBD dismissing the lawsuit.

       Selective assessed the $63,357.56 payment to NBD against the limits of Viking’s

       insurance policy. Specifically, Selective allocated $2,000.00 of the payment to

       Viking’s building coverage and the remaining $61,357.56 to Viking’s business

       personal property coverage. Viking and Selective dispute whether Viking knew

       that Selective assessed the payment against the limits of the policy.

               The Processing of Viking’s Insurance Claim

[25]   Over the next year and a half, Selective (through Vandegraft) and Viking

       (through Watterud) negotiated Viking’s claim. Over the course of the

       negotiations, Vandegraft and Watterud exchanged spreadsheets that detailed

       payments to vendors and indicated the coverage limits to which each payment

       would apply.

[26]   In August 2015, near the end of the negotiations, Watterud advised Vandegraft

       that Viking was “contemplating submitting a second claim of damages because

       [Viking was] running into the limits on [its] business personal property”

       coverage. Appellant’s App. Vol. 6, p. 67. Specifically, Viking and Watterud

       “contemplated how c[ould] we recover [for damages allegedly attributable] to

       the fact that NBD or Selective didn’t start sooner to minimize the damage[.]”

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 11 of 54
Id. Viking’s proposal for submitting a second claim was memorialized in an

       August 4 letter that Watterud sent to Selective. The letter informed Selective

       that Viking intended to present “a second claim for the work and services not

       properly performed by [NBD] which would have minimized damages.” Id. at

       92.

[27]   On September 16, Vandegraft emailed Watterud and attached a draft letter in

       response to the August 4 letter. The September 16 letter explained that a claim

       for work improperly performed by NBD would not be covered under the

       insurance policy due to the policy’s exclusion for faulty, inadequate, or

       defective workmanship or repairs. The letter concluded:

               The above policy language would mean that any additional cost
               of repair or replacement that was required as a result of the
               inadequate workmanship, repair or renovation by [NBD] would
               not be covered. It would be our recommendation that these
               concerns be taken directly to [NBD].

       Appellant’s App. Vol. 13, p. 3.

[28]   Watterud replied by email the following day, indicating that he thought

       inadequate work by NBD would be covered under the policy and that

       Vandegraft’s letter should include language to this effect. Vandegraft then

       provided a revised letter dated September 17, that concluded:

               The above policy language would mean that any additional cost
               of repair or replacement that was required as a result of the
               inadequate workmanship, repair or renovation by [NBD] would
               not be covered. In that the facts speak for themselves and the

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 12 of 54
               restoration estimate and efforts from NBD were neither accurate nor up
               to industry standard, it would be our recommendation that these
               concerns be taken directly to [NBD].

       Appellant’s App. Vol. 8, p. 12 (emphasis added).

[29]   A few hours after receiving the September 17 letter, Watterud forwarded to

       Viking a September 16 email that he had received from Vandegraft. The email

       contained proposed final settlement figures, including a credit back to Selective

       of $49,182.77 for an earlier overpayment of Viking’s business income coverage

       claim. Watterud advised Viking, “Guys see below for final. I think [it’s] fair and

       as much as we are going to suck out of them[.]” Appellant’s App. Vol. 6, p.

       106. Although Viking had contemplated submitting a second claim for

       “damage due to the fact that NBD or Selective didn’t start sooner to minimize

       the damage,” it did not submit a second claim. Id. at 67.

[30]   On October 1, Vandegraft emailed Watterud a proposed Sworn Statement in

       Proof of Loss (“Sworn Proof of Loss”) that listed amounts Selective had paid to

       Viking “to date[,]” as well as a final payment that Selective owed to Viking in

       the amount of $93,673.91. Appellant’s App. Vol. 13, p. 29. The Sworn Proof of

       Loss reads in relevant part:

               A fire loss occurred . . . on the 6th day of January, 2014 . . . .

                                              ***

               The Whole Loss and Damage was . . . $4,691,822.89

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 13 of 54
               Less Amount of Deductible . . . $(1,000.00)

               The Amount Claimed under the above numbered policy is . . .
               $4,690,822.89

                  3
Id. at 31.

[31]   On October 15, Steve signed the “Receipt for Payment” section of the Sworn

       Proof of Loss on behalf of Viking, acknowledging that Viking had received

       $4,690,822.89 from Selective “in full satisfaction and indemnity for all claims

       and demands upon [Selective] on account of said loss and damage and the said

       policy is hereby reinstated[.]” Appellant’s App. Vol. 6, p. 91.

[32]   On January 6, 2016, Viking filed its Complaint against NBD and Selective.

       Viking sought recovery from Selective based on theories that Selective: (1)

       breached the insurance contract; (2) negligently performed a voluntary

       undertaking to mitigate damages to Viking’s equipment following the fire; (3)

       negligently hired NBD to perform mitigation work; and (4) violated its duty of

       good faith and fair dealing in its handling of the insurance claim. Viking

       asserted causes of action against NBD for: (1) breach of contract; and (2)

       negligence that, allegedly, arose from the cleaning and restoration work that

       NBD performed on Viking’s equipment.

       3
        The $4,690,822.89 figure listed on the Sworn Proof of Loss includes the $93,673.91 final payment that
       Selective owed to Viking.

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020              Page 14 of 54
[33]   In December 2019, Selective and NBD each filed motions for summary

       judgment. Viking filed its briefs in opposition to the motions on January 29,

       2020. On February 6, the parties appeared for a hearing on the summary

       judgment motions. And on February 26, the trial court entered two separate

       orders granting summary judgment in favor of Selective and NBD on all
                                              4
       respective arguments raised.

[34]   Viking now appeals. Additional facts will be provided as necessary.

                                         Discussion and Decision
                                                  I. Standard of Review

[35]   Our standard of review of a summary judgment motion is the same standard

       used in the trial court:

                [S]ummary judgment is appropriate only where the evidence
                shows there is no genuine issue of material fact and the moving
                party is entitled to a judgment as a matter of law. All facts and
                reasonable inferences drawn from those facts are construed in
                favor of the non-moving party. The review of a summary
                judgment motion is limited to those materials designated to the
                trial court. We must carefully review decisions on summary
                judgment motions to ensure that the parties were not improperly
                denied their day in court.

       4
         For Selective, this included granting summary judgment based on theories of accord and satisfaction,
       release, the economic loss doctrine, causation, assumption of duty, breach of contract, negligence, negligent
       hiring, and bad faith. For NBD, it included granting summary judgment based on causation and the
       economic loss doctrine.

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020                 Page 15 of 54
       Tom-Wat, Inc. v. Fink, 741 N.E.2d 343, 346 (Ind. 2001) (citations omitted).

[36]   “The purpose of summary judgment is to terminate litigation about which there

       can be no material factual dispute and which can be resolved as a matter of

       law.” Ebersol v. Mishler, 775 N.E.2d 373, 378 (Ind. Ct. App. 2002), trans. denied.

       Therefore, “[a] party seeking summary judgment bears the burden of showing

       the absence of a factual issue and [its] entitlement to judgment as a matter of

       law.” Harco, Inc. of Indianapolis v. Plainfield Interstate Fam. Dining Assoc., 758
N.E.2d 931, 937 (Ind. Ct. App. 2001). All pleadings, affidavits, and testimony

       are construed liberally and in the light most favorable to the nonmoving

       party. Baker v. Heye-Am., 799 N.E.2d 1135, 1139 (Ind. Ct. App. 2003), trans.

       denied. For summary judgment purposes,

               [a] genuine issue of material fact exists where facts concerning an
               issue that would dispose of the litigation are in dispute or where
               the undisputed material facts are capable of supporting
               conflicting inferences on such an issue. To be considered genuine
               . . . , a material issue of fact must be established by sufficient
               evidence in support of the claimed factual dispute to require a
               jury or judge to resolve the parties’ differing versions of the truth
               at trial. A fact is material when its existence facilitates resolution
               of any of the issues involved.
Id. (citations omitted). “[A]ny doubt as to the existence of an issue of material

       fact, or an inference to be drawn from the facts, must be resolved in favor of the

       nonmoving party.” Am. Mgmt., Inc. v. MIF Realty, L.P., 666 N.E.2d 424, 428

       (Ind. Ct. App. 1996).

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 16 of 54
[37]   “Even if it appears that the non-moving party will not succeed at trial, summary

       judgment is inappropriate where material facts conflict or undisputed facts lead

       to conflicting inferences.” Link v. Breen, 649 N.E.2d 126, 128 (Ind. Ct. App.

       1995), trans. denied; see also Brunner v. Trs. of Purdue Univ., 702 N.E.2d 759, 760

       (Ind. Ct. App. 1998) (“Summary judgment should not be used as an

       abbreviated trial.”), trans. denied. Finally, “[o]ur analysis proceeds from the

       premise that summary judgment is a lethal weapon and courts must be ever

       mindful of its aims and targets and beware of overkill in its use.” Bunch v.

       Tiwari, 711 N.E.2d 844, 847 (Ind. Ct. App. 1999).

[38]   We observe that, in the present case, the trial court made findings and

       conclusions in support of its entries of summary judgment. Special findings are

       not required in summary judgment proceedings and are not binding on appeal.

       AutoXchange.com. Inc. v. Dreyer & Reinbold, Inc., 816 N.E.2d 40, 48 (Ind. Ct.

       App. 2004). However, such findings offer this court valuable insight into the

       trial court’s rationale for its review and facilitate appellate review. Id.

                                   II. Viking’s Claims Against Selective

[39]   Viking argues that the trial court erred when it granted summary judgment in

       favor of Selective. More specifically, Viking contends that genuine issues of

       material fact exist as to whether Selective: breached its insurance contract with

       Viking; was negligent in dealing with Viking; negligently hired NBD; was

       negligent in handling Viking’s claim; and violated its duty to deal with Viking

       in good faith and fair dealing. Selective counters that the trial court properly

       found no genuine issues of material fact and, thus, did not err in concluding
       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 17 of 54
       that summary judgment should be granted in favor of Selective on all of the

       argument’s Selective raised in its motions for summary judgment—those

       arguments being that: Viking’s claims are barred due to its execution of the

       Sworn Proof of Loss; Viking’s breach of contract and negligence claims fail on

       the element of causation, for failure to identify how the contract was breached,

       on the theory of assumption of duty, and on the doctrine of economic loss; and

       Selective’s designated evidence affirmatively showed that it acted in good faith.

       We address each argument in turn.

               Genuine Issues of Material Fact Exist as to Whether Viking’s Claims Are
               Barred by Its Execution of the Sworn Proof of Loss

[40]   Viking argues that there are disputed issues of fact regarding whether execution

       of the Sworn Proof of Loss barred its claims against Selective such that

       summary judgment in Selective’s favor was inappropriate. On October 15,

       2015, Steve, on behalf of Viking, signed the “Receipt for Payment” section of

       the Sworn Proof of Loss, confirming that Viking had received from Selective

       $4,690,822.89 “in full satisfaction and indemnity for all claims and demands upon

       [Selective] on account of said loss and damage and the said policy is hereby

       reinstated[.]” Appellant’s App. Vol. 6, p. 91 (emphasis added). In its order

       granting summary judgment in favor of Selective, the trial court found,

               Nowhere does [the Receipt for Payment section of the Sworn
               Proof of Loss] state that it is limited to claims for insurance
               coverage, nor does it exclude claims sounding in tort, as Viking
               urges the Court to construe it. Instead, it clearly and
               unambiguously states that it applies to “all claims and demands”
               upon Selective that are “on account of” the “loss and damage”

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 18 of 54
               from a fire on January 6, 2014. Viking’s tort claims are “on
               account of” such loss and damage, as they exist only because of
               the fire.

       Appellant’s App. Vol. 2, p. 113. The trial court concluded that the Sworn Proof

       of Loss was both a release and an accord and satisfaction that barred all of

       Viking’s claims “whether sounding in contract or in tort[.]” Id.

                                                     1. Release

[41]   Viking disputes the trial court’s conclusion that the Sworn Proof of Loss

       operated as a release of all of its claims resulting from the fire, citing three

       reasons. First, Viking argues that the Sworn Proof of Loss should not have been

       construed as a release because the word “release” is used in the notary section

       of the document but not in the “Receipt for Payment” section. According to

       Viking, “[i]f Selective wanted the Receipt for Payment to constitute a release of

       all claims, it should have used” different wording in that section. Appellant’s

       Br. at 40. Specifically, Selective “should have used the word ‘release’ instead of

       ‘indemnity’ and the word ‘all’ instead of ‘said.’” Id. Second, Viking argues that

       there is a genuine issue of material fact as to whether by executing the Sworn

       Proof of Loss it intended to release all of its claims against Selective. Viking

       maintains that it designated evidence indicating that it did not believe it was

       releasing all of its claims against Selective when it signed the Sworn Proof of

       Loss. Third, Viking argues that it received no consideration in exchange for a

       release of its claims. According to Viking, the payment it received from

       Selective “cannot be consideration for Viking’s alleged agreement to release all

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 19 of 54
       claims” because the payment was no more than what the insurance policy

       required and in an amount to which Selective had agreed prior to sending

       Viking the Sworn Proof of Loss. Id. at 41.

[42]   Releases are contracts and, as with any contract, should be interpreted

       according to the standard rules of contract law. Huffman v. Monroe Cnty. Cmty.

       Sch. Corp., 588 N.E.2d 1264, 1267 (Ind. 1992). “[R]elease documents shall be

       interpreted in the same manner as any other contract document, with the

       intention of the parties regarding the purpose of the document governing.” Id.

       at 1267.

               In general, if the language of a contract is unambiguous, the
               intent of the parties is determined from the four corners of the
               document. However, when the language in a contract is
               ambiguous or uncertain, its meaning is to be determined by the
               consideration of extrinsic evidence. A contract is ambiguous only
               where a reasonable person could find its terms susceptible to
               more than one interpretation.

       Cummins v. McIntosh, 845 N.E.2d 1097, 1104 (Ind. Ct. App. 2006) (internal

       citations omitted), trans. denied.

[43]   “A valid contract requires offer, acceptance, consideration, and manifestation

       of mutual assent.” Fam. Video Movie Club, Inc. v. Home Folks, Inc., 827 N.E.2d
582, 585 (Ind. Ct. App. 2005). Consideration is defined as “[s]omething of

       value (such as an act, a forbearance, or a return promise) received by a promisor

       from a promise[e].” Jackson v. Luellen Farms, 877 N.E.2d 848, 857 (Ind. Ct. App.

       2007) (citing Black’s Law Dictionary 300 (7th ed. 1999)). It is well-settled that a

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 20 of 54
       release, in order to be valid, must be supported by consideration. Bogigian v.

       Bogigian, 551 N.E.2d 1149, 1151 (Ind. Ct. App. 1990). “[I]t is fundamental that

       a contract is unenforceable if it fails to obligate the parties to do

       anything[.]” Licocci v. Cardinal Assocs., Inc., 445 N.E.2d 556, 559 (Ind. 1983).

       Long ago, our supreme court established that a promise to do what one “is

       already bound to do by law or by contract” is insufficient consideration.

       Ritenour v. Mathews, 42 Ind. 7, 14 (1873).

[44]   Here, we cannot say that the language of the Sworn Proof of Loss is “clear and

       unambiguous” on its face. The document is entitled “Sworn Statement In Proof

       Of Loss.” The word “release” does not appear in the document, save for the

       notary section. The document indicates that: a “fire loss” occurred on January

       6, 2014; the “Whole Loss and Damage” amount was $4,690,822.89 (after

       subtraction of the $1,000.00 deductible); and, in the Receipt for Payment

       section, Selective’s payment to Viking totaling $4,690,822.89 was “in full

       satisfaction and indemnity for all claims and demands” against Selective “on

       account of” the fire. Appellant’s App. Vol. 6, p. 91. However, it is unclear

       whether execution of the document was intended to prevent Viking from filing

       an action against Selective to recover for damage to Viking’s equipment that,

       according to Viking, was not caused by the fire, but instead was allegedly

       caused by Selective’s delay in the restoration of the equipment.

[45]   Regarding consideration, at the time Steve executed the Sworn Proof of Loss,

       Selective had already paid $4,358,148.98 either directly to Viking or on behalf

       of Viking in connection with the January 6 fire. The amount was paid in

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 21 of 54
       twenty-one separate payments within the first nine-and-one-half months

       following the fire. Viking received from Selective the final outstanding payment

       of $93,673.91 after Viking executed the Sworn Proof of Loss. However, it is

       unclear whether the Sworn Proof of Loss was the product of a bargained-for

       exchange between the parties or whether by paying the outstanding amount,

       Selective was doing no more than what it was legally and contractually

       obligated to do.

[46]   We therefore conclude that genuine issues of material fact exist regarding the

       intent behind the Sworn Proof of Loss, whether it was supported by sufficient

       consideration, and whether it constitutes a release that bars all of Viking’s

       claims against Selective. Thus, the trial court’s grant of summary judgment in

       favor of Selective on the issue of release was improper.

                                           2. Accord and Satisfaction

[47]   Next, Viking argues that the trial court erred by concluding that the Sworn

       Proof of Loss operated as an accord and satisfaction that barred all of Viking’s

       claims against Selective. According to Viking, genuine issues of material fact

       exist as to whether the Sworn Proof of Loss operated as an accord and

       satisfaction for three reasons: (1) Selective indicated that it would not entertain

       a second claim from Viking; (2) Selective received a credit of $49,182.77 for an

       earlier overpayment of Viking’s business income coverage claim; and (3)

       Selective paid Viking only what the insurance policy required it to pay.

       Selective maintains that the requisite criteria for summary judgment are present

       because the Receipt for Payment section of the Sworn Proof of Loss “made
       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 22 of 54
       unambiguously clear that the final payment [from Selective to Viking] was

       tendered in full satisfaction for all claims and demands.” Br. of Appellee

       Selective at 28.

[48]   “An accord and satisfaction is a contract between the parties in performance of

       terms other than those terms originally agreed upon and in satisfaction of the

       parties’ original obligations.” Fifth Third Bank of Se. Ind. v. Bentonville Farm

       Supply, Inc., 629 N.E.2d 1246, 1249 (Ind. Ct. App. 1994), trans. denied. The term

       “accord” means “an express contract between two parties by means of which

       the parties agree to settle some dispute on terms other than those originally

       contemplated, and the term ‘satisfaction’ denotes performance of the

       contract.” Mominee v. King, 629 N.E.2d 1280, 1282 (Ind. Ct. App. 1994)

       (citation omitted). Accord and satisfaction generally refers to the acceptance of

       a check that is tendered and accepted as payment in full of a disputed

       claim. Id. at 1282–83 (citing 1 Am. Jur. 2d Accord and Satisfaction § 21, at 320).

       For accord and satisfaction to apply, the claim must be the subject of a good-

       faith dispute, rather than a liquidated and fixed claim. Gearhart v. Baker, 393
N.E.2d 258, 260 (Ind. Ct. App. 1979). The question of accord and satisfaction

       is normally a question of fact and becomes one of law only if the requisite

       controlling facts are undisputed and clear. Tabani v. Hester, 174 Ind. App. 56,

       58, 366 N.E.2d 193, 194 (1977).

[49]   In order to operate as a full discharge of a debt, the money paid in accord and

       satisfaction must be offered with either an express condition that acceptance is

       in full satisfaction of the pending claim, or the circumstances must be such as to

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 23 of 54
       clearly indicate to the creditor that the condition is present. Id. at 194. Without

       an express condition being shown in the instrument, “an accord and satisfaction

       may be implied, but only upon a showing of the subjective intent of the party to

       be bound.” Id. at 195. If the intent of the parties is in dispute or is ambiguous,

       the question is to be presented to the trier of fact for determination. Id.

[50]   The designated evidence, viewed in the light most favorable to Viking, is

       sufficient to defeat Selective’s motion for summary judgment on this issue. For

       example, there is conflicting evidence as to whether Viking believed that

       Selective’s payment was offered in full satisfaction of a disputed claim such that

       any additional claims by Viking against Selective were barred. The Receipt for

       Payment section of the Sworn Proof of Loss is ambiguous and does not

       conclusively exclude an action on the part of Viking to recover for damage to

       Viking’s equipment that, according to Viking, was not caused by the fire, but

       instead was allegedly caused by Selective’s delay in the restoration of the

       equipment. And genuine issues of material fact exist as to whether the Sworn

       Proof of Loss is supported by sufficient consideration. All of this evidence is

       capable of supporting the inference that the Sworn Proof of Loss was not

       intended to operate as an accord and satisfaction. Thus, the trial court erred in

       granting summary judgment in favor of Selective on this issue.

               Genuine Issues of Material Fact Preclude Entry of Summary Judgment on
               Viking’s Claim Against Selective for Breach of the Insurance Contract

[51]   Next, Viking argues that the trial court erred in granting Selective summary

       judgment on Viking’s claim of breach of the insurance contract. The elements

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 24 of 54
       of a breach of contract claim are the existence of a contract, the defendant’s

       breach, and damages to the plaintiff. Fowler v. Campbell, 612 N.E.2d 596, 600

       (Ind. Ct. App. 1993). In addition, the alleged breach by the defendant must be a

       cause in fact of the plaintiff’s loss. Id. at 601.

[52]   Here, Viking’s argument is twofold: (1) whether Selective breached the

       insurance contract; and (2) whether Selective caused Viking’s damages. We

       address each in turn.

                                              1. Breach of Contract

[53]   Viking’s first argument, that Selective breached the insurance contract (the

       insurance policy), is centered on the contractual obligations mandated by the

       policy between it and Selective. A contract is “an agreement between two or

       more parties creating obligations that are enforceable or otherwise recognizable

       at law.” Black’s Law Dictionary (11th ed. 2019). A party breaches a contract

       when it fails to perform all of the obligations that it has agreed to undertake.

       Breeding v. Kye’s Inc., 831 N.E.2d 188, 191 (Ind. Ct. App. 2005).

[54]   Viking makes the following four contentions to support its argument that

       Selective breached the insurance policy: (1) Selective unilaterally closed its

       claim for business interruption coverage and failed to pay Viking more under

       the business interruption coverage for lost customer business; (2) Selective

       forced “Viking to sign a global release of all claims to receive payment under

       the [p]olicy”; (3) Selective failed to tender to Viking more than just the one

       proof of loss where, according to Viking, the policy required Selective to tender

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 25 of 54
       multiple proofs of loss; and (4) Selective “wrongfully denied” the “second

       claim” that Viking “submitted” to Selective “for the poor work performed by

       NBD.” Appellant’s Br. at 50–51. Selective counters that Viking’s breach of

       contract claim fails for two reasons: (1) Viking has failed to identify any

       provision of the insurance policy that Selective allegedly breached; and (2)
                                                                    5
       Viking’s claim sounds in tort, not contract.

[55]   The trial court determined that summary judgment in favor of Selective was

       appropriate because the court found, essentially, that Selective had met its

       contractual obligations and that Viking designated no evidence showing that

       Selective had failed to do so. We conclude, however, that the judgment of the

       trial court on this issue must be reversed.

[56]   While Viking does not point to a particular provision of the insurance policy

       that Selective allegedly breached, we nevertheless conclude that genuine issues

       of material fact exist as to whether Selective met its contractual obligations

       under the policy. For example, genuine issues of material fact exist as to

       5
         Additionally, Selective asserts that of the four theories Viking offers on appeal in support of its breach of the
       insurance contract argument, the only theory raised in the trial court was the one concerning the business
       interruption coverage. While the other three theories were not specifically argued at the trial court level under
       Viking’s breach of the insurance contract heading in its brief in opposition to Selective’s summary judgment
       motions, as Viking notes in its reply brief, “all of these facts were designated by Viking and known to
       Selective and the trial court . . . [because t]hese facts and their legal implications have been litigated
       throughout the case.” Appellant’s Reply Br. at 23. Therefore, we address Viking’s arguments on the merits.
       Regarding Selective’s argument that Viking’s breach of contract claim is based in tort, not contract, we find
       that this argument is more appropriately addressed infra, in Part II-C-2, where we determine whether
       summary judgment in favor of Selective was proper on Viking’s claim for negligence.

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020                     Page 26 of 54
       whether Selective refused to comply with the policy conditions until first

       obtaining a release of claims from Viking. Factual disputes exist as to whether

       the payments made to Viking (or on Viking’s behalf) were timely, paid to the

       limits of the policy, and covered all of the losses Viking claimed. And further, it

       is not clear under the policy whether the Sworn Proof of Loss that Viking

       executed was intended to serve as a release of Viking’s claims against Selective

       and whether Selective improperly denied Viking’s second claim. Accordingly,

       we conclude that the trial court erred by granting Selective’s summary judgment

       motion on this issue of breach of the insurance contract.

                                              2. Causation Evidence

[57]   We now turn to Viking’s second argument on its breach of the insurance

       contract claim, that is, whether Selective was the proximate cause of Viking’s

       damages and whether the trial court erred when it granted summary judgment

       on this question. As noted supra, the elements for this claim are the existence of

       a contract, the defendant’s breach of the contract, and the plaintiff’s damages as

       a result of the breach. Fowler, 612 N.E.2d at 600.

[58]   Summary judgment is a “high bar” for the moving party to clear in

       Indiana. Hughley v. State, 15 N.E.3d 1000, 1004 (Ind. 2014). Unlike federal

       practice, which “permits the moving party to merely show that the party

       carrying the burden of proof [at trial] lacks evidence on a necessary element, we

       impose a more onerous burden: to affirmatively ‘negate an opponent’s

       claim.’” Id. at 1003 (quoting Jarboe v. Landmark Cmty. Newspapers of Ind.,

       Inc., 644 N.E.2d 118, 123 (Ind. 1994)). Thus, for summary judgment to be
       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 27 of 54
       appropriate, the movant must have made a prima facie showing that its

       designated evidence negated an element of the nonmovant’s claim, and, in

       response, the nonmovant must have failed to designate evidence to establish a

       genuine issue of material fact. See Dreaded, Inc. v. St. Paul Guardian Ins. Co., 904
N.E.2d 1267, 1270 (Ind. 2009).

[59]   The trial court, in its order granting summary judgment in favor of Selective on

       this issue, found in relevant part that Viking failed to meet its burden “to

       establish each element of its claims, particularly causation and damages[.]”

       Appellant’s App. Vol. 2, p. 128. Viking argues that the trial court improperly

       shifted onto it the burden of producing evidence that its damages were caused

       by Selective. We agree. Viking as the nonmovant plaintiff bore no burden of

       production until Selective, as the movant, came forward with evidence

       establishing the absence of any issue of material fact as to the cause of Viking’s

       damages. See Butler v. City of Peru, 733 N.E.2d 912, 915 (Ind. 2000). We now

       address whether Selective met its burden.

[60]   Selective contends that it has successfully negated the element of causation such

       that Viking cannot prevail on its breach of contract claim as a matter of law.

       With its motion for summary judgment, Selective designated a report

       containing the opinions of its expert Larry Hanke (“Hanke”), a metallurgical

       materials engineer. Hanke opined that: any delay in mitigation efforts did not

       cause additional damage to Viking’s equipment; any damage due to the

       expansion of freezing water was not caused by delay; minimal or no corrosion

       occurred during the weeks following the fire; establishing climate control

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 28 of 54
       sooner would not have significantly limited corrosion; and, given the lack of

       retained evidence and inadequate documentation regarding the physical

       condition of Viking’s equipment prior to and during the restoration process, it is

       impossible to determine if the damage to the equipment was caused by the fire

       or if any additional damage to the equipment was caused by the mitigation

       efforts and the restoration schedule.

[61]   Viking, on the other hand, designated evidence that all of its machines were

       located outside of the area where the fire occurred. Viking also included the two

       letters that Selective sent shortly after the fire occurred, stating that “there is

       nothing more for [Viking] to do at this time. Your claim will begin to be worked

       on and you will be contacted if there is any further information.” Appellant’s

       App. Vol. 7, p. 49. Viking contends that Vandegraft retained NBD to assess,

       clean, and repair Viking’s equipment and that Vandegraft insisted that NBD

       perform the restoration work on Viking’s claim. Viking presented evidence that:

       its equipment suffered additional damage after the fire due to the environment

       that persisted after the fire; after the fire was extinguished, the Facility had no

       heat and very high humidity from the water used to fight the fire; there was

       smoke residue and soot on the equipment; and even after NBD began working

       at the Facility, Selective did nothing to address the environment inside the

       Facility. In addition, Viking designated the testimony of Gregory Smith, the

       owner of Protechs, who opined, “there could have been things done between

       [the date the fire occurred and January 27, 2014,] to help mitigate [the] loss and

       could have saved [Viking] money.” Appellant’s Br. at 26. Greg based these

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 29 of 54
       observations on his inspection of the Facility, his professional experience, and

       industry articles.

[62]   Viking also designated the testimony of its “restoration expert” David Oakes

       (“Oakes”). Id. at 27. In his opinion, certain steps should have been taken

       immediately after the fire to mitigate the Facility’s environment and preserve its

       contents, including: boarding up, restoring heat to, and addressing the humidity

       level of the Facility; removing residue and applying oil to the equipment; and

       using experts as necessary to disassemble and repair the equipment. Oakes

       believed that the failure to timely implement these procedures exposed the

       equipment to an acidic and toxic residue that resulted in substantial corrosion

       damage and caused Viking to incur “an additional 90[%]” in repair expenses.

       Appellant’s App. Vol. 14, p. 29. He also believed that the damage was directly

       attributable to the delays in addressing the problems and not to the initial fire

       loss.

[63]   Here, based on the competing “expert” testimony presented, we find that

       Selective has not met its burden of negating the element of causation as a matter

       of law. Therefore, we conclude that the trial court improperly granted summary

       judgment to Selective on this issue.

               Genuine Issues of Material Fact Preclude Entry of Summary Judgment on
               Viking’s Claim Against Selective for Negligence

[64]   Next, Viking argues that the trial court erred in granting summary to Selective

       on Viking’s claim against Selective for negligence. Negligence is composed of

       three elements: (1) a duty on the part of a defendant in relation to the plaintiff;
       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 30 of 54
       (2) a breach of this duty, i.e., a failure on the part of the defendant to conform

       his conduct to the requisite standard of care required by the relationship; and (3)

       an injury to the plaintiff that was proximately caused by the defendant’s

       breach. Stumpf v. Hagerman Const. Corp., 863 N.E.2d 871, 875–76 (Ind. Ct. App.

       2007) (citing Merrill v. Knauf Fiber Glass GmbH, 771 N.E.2d 1258, 1264 (Ind. Ct.

       App. 2002), trans. denied), trans. denied. Although we often say that summary

       judgment is rarely appropriate in a negligence action, a defendant may obtain

       summary judgment by demonstrating that the undisputed facts negate at least

       one element of the plaintiff’s claim. Id. at 876 (citing Merrill, 771 N.E.2d at

       1264).

[65]   Here, the parties argue over (1) whether Selective voluntarily assumed a duty to

       mitigate Viking’s damages following the fire loss, and (2) whether Viking’s

       claim is barred by the economic loss doctrine. We first address Viking’s

       assumption of duty argument.

                                      1. Assumption of Duty by Conduct

[66]   Viking argues that Selective, by its conduct, assumed a duty to mitigate Viking’s

       loss. “A duty to exercise care and skill may be imposed on one who, by

       affirmative conduct, assumes to act, even gratuitously, for another.” Schlotman

       v. Taza Cafe, 868 N.E.2d 518, 523 (Ind. Ct. App. 2007), trans. denied; see

       also Merrill, 771 N.E.2d at 1270 (“A duty of care may arise where a party

       gratuitously or voluntarily assumes a duty by conduct.”). The actor must

       specifically undertake to perform the task he is charged with having performed

       negligently; without actual assumption of the undertaking, there can be no
       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 31 of 54
       corresponding legal duty to perform the undertaking carefully. Schlotman, 868
N.E.2d at 523. Thus, the assumption of a duty creates a special relationship

       between the parties and a corresponding duty to act in a reasonably prudent

       manner. Id.; Merrill, 771 N.E.2d at 1270. Although the existence and extent of

       an assumed duty are ordinarily questions for the trier of fact, a court will decide

       the issue as a matter of law when the record contains insufficient evidence to

       establish such a duty. Merrill, 771 N.E.2d at 1270

[67]   The trial court here rejected the argument that Selective had assumed a duty to

       mitigate Viking’s loss, finding in relevant part as follows:

               Viking points to the language of the January 6, 2014 letter, as
               well as statements allegedly made by Selective’s claims adjusters
               including “We got this,” and “I will take care of everything.”
               These statements are insufficient to support a finding that
               Selective voluntarily assumed the duty to mitigate by its words,
               where such statement[s] fail to (1) demonstrate a “clear intent”
               on the part of Selective to assume a duty; and (2) fail to identify a
               “specific duty” so assumed. Nothing within the statements “We
               got this[,]” and “I will take care of everything[,]” demonstrate a
               clear intent on the part of Selective to do anything, and they
               certainly fail to identify any specific duty.

       Appellant’s App. Vol. 2, p. 122. The trial court concluded that Selective did

       not assume a duty because the designated evidence did not establish a clear

       intent on Selective’s part to assume a particular duty: “Selective never

       ‘specifically undertook to perform the task’ that it is charged with having

       performed negligently, and . . . Viking never relinquished control of the

       obligation[.]” Id. at 123.

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 32 of 54
[68]   Viking argues that its “[d]esignated evidence shows Selective[ ] intended to

       undertake the specific duty, Selective actually assumed this undertaking, and

       Viking relinquished control of the same.” Appellant’s Br. at 49. Viking claims

       that Selective assumed the duty through various actions. The designated

       evidence upon which Viking relies in support of its claim, including deposition

       testimony, shows that “[o]n or about January 14, 2014[, Vandegraft] told

       Viking, ‘I will take care of everything[;’ ‘]Don’t worry about it[;’ and ‘W]e can

       get these machines back up and running in no time[.] ’” Appellant’s App. Vol.

       10, pp. 72–73. Vandegraft also told Viking on January 14 that the fire was “not

       that bad[,]” and on that same day, Selective stated in a letter to Viking that

       “there is nothing more for you to do at this time.” Appellant’s Br. at 11. Viking

       designated evidence that Vandegraft hired NBD to perform the restoration

       work on the equipment. And Viking expressed to Selective its concern about the

       lack of progress regarding mitigation of Viking’s loss “before NBD showed up

       and reiterated those concerns after NBD showed up.” Id. at 13. Viking also

       points to evidence showing that during the two weeks following the fire,

       Selective did nothing to address the environment within the Facility.

[69]   Although Selective designated deposition testimony from Viking’s owner,

       Steve, who admitted to signing the agreement that authorized NBD’s work at

       the Facility, that evidence, by itself, is insufficient to negate the element of

       assumption of duty. Thus, summary judgment on this issue was improper.

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 33 of 54
                                           2. Economic Loss Doctrine

[70]   Viking also argues that the trial court erred when it granted summary judgment

       in favor of Selective on grounds that the economic loss doctrine precluded

       Viking from pursuing its negligence claim against Selective. The economic loss

       doctrine provides that

               a defendant is not liable under a tort theory for any purely
               economic loss caused by its negligence (including, in the case of a
               defective product or service, damage to the product or service
               itself)—but that a defendant is liable under a tort theory for a
               plaintiff’s losses if a defective product or service causes personal
               injury or damage to property other than the product or service
               itself.

       Indianapolis-Marion Cnty. Pub. Libr. v. Charlier Clark & Linard, P.C., 929 N.E.2d
722, 729 (Ind. 2010). Under this doctrine, Indiana courts have barred

       negligence actions that sound exclusively in contract law. See generally,

       Indianapolis-Marion Cnty. Pub. Libr., 929 N.E.2d 722. Stated differently:

               The rule of law is that a party to a contract or its agent may be
               liable in tort to the other party for damages from negligence that
               would be actionable if there were no contract, but not otherwise.
               Typically, damages recoverable in tort from negligence in
               carrying out the contract will be for injury to person or physical
               damage to property, and thus “economic loss” will usually not be
               recoverable.

       Greg Allen Constr. Co. v. Estelle, 798 N.E.2d 171, 175 (Ind. 2003); see also Reed v.

       Cent. Soya Co., 621 N.E.2d 1069, 1074–75 (Ind. 1993) (“[W]here the loss is

       solely economic in nature, as where the only claim of loss relates to the

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 34 of 54
       product’s failure to live up to expectations, and in the absence of damage to

       other property or person, then such losses are more appropriately recovered by

       contract remedies.” (emphasis added)). Thus, “contract is the sole remedy for

       the failure of a product or service to perform as expected.” Gunkel v. Renovations,

       Inc., 822 N.E.2d 150, 152 (Ind. 2005). The policy underlying this rule is that the

       law should permit the parties to a transaction to allocate the risk that an item

       sold or a service performed does not live up to expectations. Id. at 155.

[71]   Here, Viking maintains that the economic loss doctrine is inapplicable, and any

       argument that Viking restyled its breach of contract claim as a tort claim in

       order to obtain additional damages must fail because Selective assumed an

       extra-contractual duty to mitigate and repair any damage to other equipment

       that sustained no damage from the fire, which is recognized in Indiana. See,

       Indianapolis-Marion Cty. Pub. Libr., 929 N.E.2d at 737. Viking contends that it is

       entitled to recover for damages in tort because it “did not purchase a product or

       service from Selective [that was] related to the delay damages [Viking] seeks.”
Id. at 37. Viking explains that its designated evidence “shows Viking’s

       [equipment] worked prior to the fire loss and . . . suffered no heat damage[ ] as

       a result of the fire loss. The damage came later. This is the equivalent of

       damage to ‘other property,’ which renders the doctrine inapplicable.” Id.

[72]   Selective responds by turning our attention to the trial court’s conclusion that

       summary judgment should be granted in favor of Selective on this issue. More

       specifically, the court reasoned, “To allow Viking to pursue a tort remedy for its

       economic loss to the property that it insured would improperly allow it to

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 35 of 54
       circumvent the plain terms of the insurance contract, retroactively re-writing it

       so as to avoid its own contractual duty to mitigate and foisting it upon

       Selective.” Appellant’s App. Vol. 2, p. 125. Viking’s rebuttal is that while

       “Selective’s insurance policy contains terms related to payment in the event of a

       fire, and a default provision related to mitigation, it does not address what

       happens in the event that Selective seizes control over the claim and asks the

       insured to stand down.” Appellant’s Reply Br. at 7.

[73]   Viking claims that Selective assumed a duty regarding the remediation of its

       equipment and that this assumption of duty gives rise to tort claims because

       Selective increased Viking’s damages by failing to properly mitigate Viking’s

       loss. As we determined in our Discussion supra, Part II-C-1, genuine issues of

       material fact exist as to whether Selective assumed certain duties regarding the

       remediation of Viking’s equipment. Also, material facts are in dispute as to

       whether Viking purchased from Selective a product or service related to the

       damages Viking now seeks, that is, for subsequent corrosion damage to

       equipment that, according to Viking, worked prior to the fire and suffered no

       heat damage during the fire. At the very least, there is a material factual dispute

       as to whether the subsequent damage to the equipment was the equivalent of

       damage to “other property” that falls outside the reach of the economic loss

       doctrine.

[74]   We note that a plaintiff may bring an action for breach of contract and may

       only recover economic losses under that contract, but the same plaintiff may also

       bring a tort action for a loss that is not purely economic and not covered in the

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 36 of 54
contract. Thalheimer v. Halum, 973 N.E.2d 1145, 1152 (Ind. Ct. App. 2012).

Here, whether Viking may succeed under its asserted tort theory is another

question. However, we find that the designated evidence before us supports the

inference that Viking could potentially recover damages on its negligence claim.

In light of these circumstances and the high bar of summary judgment, we must

conclude that the trial court erred when it determined that

the economic loss doctrine precluded Viking from pursuing its negligence claim

against Selective. Thus, on this issue we reverse the trial court’s grant

of summary judgment in favor of Selective.

Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 37 of 54
               Viking’s Claims Against Selective for Negligent Hiring, Respondeat
               Superior, and Negligent Claim Handling

                                                     1. Waiver

[75]   Selective notes that Viking does not address these claims in its Appellant’s Brief

       and that, therefore, summary judgment in favor of Selective on these claims

       must be affirmed. It is a complaining party’s duty to direct our attention to the

       portion of the record that supports its contentions. Vandenburgh v. Vandenburgh,

       916 N.E.2d 723, 729 (Ind. Ct. App. 2009). The purpose of the rule is to relieve

       courts of the burden of searching the record and stating a party’s case for

       it. Id. Waiver of an issue is appropriate where noncompliance impedes our

       review. Id.

[76]   We agree that Viking has failed to address its claims of negligent hiring,

       respondeat superior, and negligent claim handling in its opening brief. Thus, we

       find that Viking has failed to present a cogent argument in support of these

       claims and has, therefore, waived the issues. Hollowell v. State, 707 N.E.2d 1014,

       1025 (Ind. Ct. App. 1999); see, Ind. Appellate Rule 46(A)(8)(a).

[77]   However, our supreme court has noted that addressing the merits of a claim

       notwithstanding waiver “is a common practice not only with our Court of

       Appeals colleagues but with this Court as well.” Sharp v. State, 42 N.E.3d 512,

       515 (Ind. 2015); see also, e.g., Albrecht v. State, 737 N.E.2d 719, 726 (Ind. 2000)

       (declining to following the general rule that “failure to present [the Court] with

       a cogent argument supporting his allegation of trial court error results in waiver

       of the issue” and instead deciding defendant’s challenge to the trial court’s

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 38 of 54
       exclusion of certain evidence on the merits); Erwin v. Roe, 928 N.E.2d 609, 620

       n.4 (Ind. Ct. App. 2010) (addressing petitioner’s claim regarding compliance

       with health and housing codes even though petitioner’s claim was waived for

       failure to include “further discussion” beyond a bald assertion and a cogent

       argument supported by authority); Barker v. City of W. Lafayette, 894 N.E.2d
1004, 1012 (Ind. Ct. App. 2008) (deciding City’s claim that the trial court erred

       in awarding paralegal fees for tasks it considered secretarial in nature where

       issue was waived for City’s failure to present a cogent argument), trans. denied).

[78]   Here, Viking’s noncompliance with the Indiana Rules of Appellate Procedure

       does not impede our review of its claims. Therefore, waiver notwithstanding,

       we address the claims on the merits.

                                                  2. Negligent Hiring

[79]   In Count III of the Complaint, Viking alleged that Selective engaged in
                             6
       negligent hiring. More specifically, Viking alleged that Selective “owed Viking

       a duty to exercise reasonable care in selecting a company to perform mitigation

       and restoration services as a result of the Fire Loss.” Appellant’s App. Vol. 2, p.

       137. Viking further alleged that Selective “breached its duty by retaining NBD

       to perform such services[,]” and that “to the extent NBD negligently performed

       6
         Though Viking’s negligent hiring argument is related to the assumption of duty argument that we addressed
       supra, Part II-C-1, we choose to address this argument along with Viking’s claims for respondeat superior and
       negligent claim handling.

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020                Page 39 of 54
       its services, Selective is responsible to Viking under a theory of respondeat

       superior.” Id.

[80]   In its order granting summary judgment to Selective, the trial court found that

       Viking’s claim for negligent hiring failed as a matter of law. Specifically, the

       court found that it is “uncontested that NBD was an independent contractor

       and not an employee of Selective[.]” Id. at 127. The court further found that

       Viking was attempting to “transform a defective claim for ‘negligent hiring’ into

       a viable claim for ‘voluntary assumption of duty’ merely by placing a different

       label on it.” Id. at 123. Ultimately, the court determined that Viking could not

       be allowed to “recast its defective claim for ‘negligent hiring’ as one for

       ‘voluntary assumption of duty’ so as to circumvent [our supreme court’s] clear

       pronouncement” that it has declined to recognize the negligent hiring of an

       independent contractor as an independent tort. Id. at 124.

[81]   In Bagley v. Communications Co., 658 N.E.2d 584, 586 (Ind. 1995), our supreme

       court reiterated the general rule that a principal is not liable for the negligence

       of an independent contractor and decided that the basic concept of negligent

       hiring was “subsumed” in the five existing exceptions to the general rule of non-
                  7
       liability. “Thus, one who hires an independent contractor may be liable for the

       7
         The exceptions to the general rule of nonliability are: (1) where the contract requires the performance of
       intrinsically dangerous work; (2) where the principal is by law or contract charged with performing the
       specific duty; (3) where the act will create a nuisance; (4) where the act to be performed will probably cause
       injury to others unless due precaution is taken; and (5) where the act to be performed is illegal. Bagley, 658
N.E.2d at 586 (citing Perry v. N. Ind. Pub. Serv. Co., 433 N.E.2d 44, 47 (Ind. Ct. App. 1982).

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020                  Page 40 of 54
       failure to exercise reasonable care to employ a competent and careful contractor

       only when there is a non-delegable duty based upon at least one of the five

       exceptions.” Red Roof Inns, Inc. v. Purvis, 691 N.E.2d 1341, 1344 (Ind. Ct. App.

       1998), trans. denied.

[82]   Here, regardless of whether Viking attempted to transform its negligent hiring

       claim into a claim for assumption of duty, we find that because NBD is an

       independent contractor and no exceptions apply, the trial court did not err in

       granting summary judgment on Viking’s negligent hiring claim.

                                             3. Respondeat Superior

[83]   Regarding Viking’s respondeat superior claim, the trial court found that it failed as

       a matter of law because “the longstanding rule in Indiana is that a principal is

       not liable for the negligence of an independent contractor.” Appellant’s App.

       Vol. 2, p. 127. Respondeat superior is the applicable tort theory of vicarious

       liability. Sword v. NKC Hosps., Inc., 714 N.E.2d 142, 148 (Ind. 1999). Under this

       theory, an employer, who is not liable because of his own acts, can be held

       liable for the wrongful acts of his employee which are committed within the

       scope of employment. Id. In this context, “employer” and “employee” are often

       stated in broader terms as “master” and “servant.” Id. One important aspect in

       applying respondeat superior is differentiating between those who are servants

       and those who are independent contractors. Id. It is important to distinguish

       between servants and independent contractors in the tort context because, while

       a master can be held liable for a servant’s negligent conduct under the theory, a

       master generally cannot be held liable for the negligence of an independent
       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 41 of 54
       contractor. Id. The reasoning behind nonliability for independent contractors is

       that it would be unfair to hold a master liable for the conduct of another when

       the master has no control over that conduct. Id.

[84]   NBD was an independent contractor, not an employee of Selective.

       Accordingly, we affirm summary judgment in favor of Selective on Viking’s

       respondeat superior claim.

                                         4. Negligent Claim Handling

[85]   To the extent Viking argues that Selective engaged in negligent claim handling,

       we will address this argument infra, in Part E, along with Viking’s claim against

       Selective regarding the duty of good faith and fair dealing.

               Genuine Issues of Material Fact Preclude Entry of Summary Judgment on
               Viking’s Claim Against Selective Regarding the Duty of Good Faith and
               Fair Dealing

[86]   Under Indiana law, there is an implied duty of good faith in all insurance

       contracts that an insurer will act in good faith with its insured. Erie Ins. Co. v.

       Hickman, 622 N.E.2d 515, 518 (Ind. 1993). And there is a cause of action for the

       tortious breach of that duty. Id. at 519; see also Cnty. Line Towing, Inc. v.

       Cincinnati Ins. Co., 714 N.E.2d 285, 291 (Ind. Ct. App. 1999), trans. denied.

[87]   In Hickman, our supreme court stated that the duty of good faith and fair

       dealing, with respect to the discharge of the insurer’s contractual obligation,

       includes the requirement to refrain from (1) making an unfounded refusal to

       pay policy proceeds, (2) causing an unfounded delay in making payment, (3)

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 42 of 54
       deceiving the insured, and (4) exercising any unfair advantage to pressure an

       insured into a settlement of its claim. 622 N.E.2d at 519. The court, however,

       observed that these obligations do not comprise an exhaustive list of an

       insurer’s duties under the obligation of good faith and fair dealing. Id. At the

       same time, the Hickman court cautioned that a cause of action does not arise

       under the doctrine of good faith and fair dealing every time an insurance claim

       is erroneously denied. Id. at 520. Yet, the court noted that an insured who

       believes an insurance claim has been wrongly denied may have two distinct

       legal theories available, one for breach of the insurance contract and one in tort

       for breach of the duty of good faith and fair dealing. Id. These two theories have

       separate, although often overlapping, elements, defenses, and recoveries. Id.

[88]   We note that a good-faith dispute about either the amount of a valid claim or

       whether the insured has a valid claim at all will not supply the grounds for

       recovery in tort for breach of the obligation to exercise good faith. Becker v. Am.

       Fam. Ins. Grp., 697 N.E.2d 106, 108 (Ind. Ct. App. 1998). “This is so even if it is

       ultimately determined that the insured breached its contract. That insurance

       companies may, in good faith, dispute claims, has long been the rule in

       Indiana.” Id. (quoting Hickman, 622 N.E.2d at 520. Additionally, “the lack of

       diligent investigation alone is not sufficient to support an award. On the other

       hand, for example, an insurer which denies liability knowing that there is no

       rational, principled basis for doing so has breached its duty.” Id. Thus, poor

       judgment and negligence do not amount to bad faith; there must also be the

       additional element of conscious wrongdoing. Colley v. Ind. Farmers Mut. Ins.

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 43 of 54
       Grp., 691 N.E.2d 1259, 1261 (Ind. Ct. App. 1998), trans. denied. “A finding

       of bad faith requires evidence of a state of mind reflecting dishonest purpose,

       moral obliquity, furtive design, or ill will.” Id. As such, a bad-faith

       determination inherently includes an element of culpability. Id. Finally, fact

       issues may preclude summary judgment in favor of an insurer on an

       insured’s bad-faith claim. See Gooch v. State Farm Mut. Auto. Ins. Co., 712 N.E.2d
38, 41 (Ind. Ct. App. 1999), trans. denied.

[89]   Viking argues that the trial court erred when it granted summary judgment in

       favor of Selective on this issue, contending that disputed material facts exist as

       to whether Selective breached its duty to deal with Viking in good faith and fair

       dealing. Viking specifically asserts that Selective breached its duty of good faith

       and fair dealing in three ways: (1) causing an unfounded delay in making

       payments; (2) deceiving Viking; and (3) exercising unfair advantage to pressure

       Viking to settle its claim.

[90]   To the first assertion, Viking argues that its designated evidence shows that

       Selective caused unfounded delay with respect to two payments: the delay in

       paying NBD’s invoice; and the delay in making the final payment to Viking

       under the insurance policy. As for deceiving Viking, Viking claims its

       designated evidence suggests that Selective: intentionally deceived Viking by

       indicating that Selective would take care of the remediation and restoration

       work for the equipment; deceived Viking by hiding how it applied the

       $63,357.56 payment; and engaged in deceptive conduct by hiring NBD to clean

       and repair Viking’s equipment yet allowed its adjuster, Vandegraft, to testify

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 44 of 54
       that he did not hire NBD for the task. Regarding unfair advantage to pressure

       Viking to settle its claim, Viking asserts that its evidence shows Selective

       exercised an unfair advantage over it in two ways. First, by requiring Viking to

       sign a broader release than was required by the insurance policy prior to

       releasing the final payment. And second, by using the letter that Vandegraft

       wrote, which indicated that Selective would deny a second claim filed by

       Viking, to induce Viking to sign the Sworn Proof of Loss only to later provide

       deposition testimony that gave a different interpretation of the letter’s language.

       As we noted supra, in Part D-3., Viking also alleges that Selective engaged in
                                          8
       negligent claim handling.

[91]   Viking, in support of this claim, relies on much of the same evidence it

       designated for its breach of contract claim. Selective, on the other hand, argues

       that Viking has failed to “identify any designated evidence in the record from

       which conscious wrongdoing could be inferred in this case.” Br. of Appellee

       Selective at 40.

       8
         See HemoCleanse, Inc. v. Phila. Indem. Ins. Co., 831 N.E.2d 259, 264 n.2 (Ind. Ct. App. 2005) (noting that
       “an insurer may exhibit bad faith in, for example, its handling of the claim such that even if it engages in a
       good faith dispute over coverage it may still breach the covenant of good faith and fair dealing.”), trans.
       denied; see also Monroe Guar. Ins. Co. v. Magwerks Corp., 829 N.E.2d 968, 976 (Ind. 2005) (where the court noted
       that an insurer may breach the covenant of good faith and fair dealing in ways other than a wrongful denial
       of coverage; hence, an insurer may exhibit bad faith in, for example, its handling of the claim such that even if
       it engages in a good-faith dispute over coverage it may still breach the covenant of good faith and fair dealing;
       however, the court declined to expand on the extent of the duty an insurer owes its injured beyond those
       already expressed in Hickman because neither party provided the court with much guidance on the issue).

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020                   Page 45 of 54
[92]   Viking has raised two distinct theories upon which it seeks to recover: one for

       breach of the insurance contract and one in tort for the breach of the duty of

       good faith and fair dealing. See Hickman, 622 N.E.2d at 520. Given that

       Viking’s designated evidence gives rise to genuine issues of material fact as to

       whether Selective breached its duty of good faith and fair dealing, and because

       of the distinct legal theories at play, the entry of final judgment on Viking’s bad-

       faith claim is premature. Therefore, we conclude that the trial court erred in

       granting summary judgment in favor of Selective on this claim.

[93]   Viking also briefly mentions that the trial court failed to address its claim that

       Selective’s behavior violated several provisions of Indiana’s Unfair Claim

       Settlement Practices Act (“UCSPA”), enumerated in Indiana Code section 27-

       4-1-4.5, and Viking’s argument that violations of the UCSPA may be used as
                                    9
       evidence of bad faith. See Appellant’s Br. at 48. However, Viking fails to

       develop an argument supported by cogent reasoning that the trial court erred by

       overlooking this claim. See, Ind. Appellate Rule 46(A)(8)(a). Therefore, this

       issue is waived. Burnell v. State, 110 N.E.3d 1167, 1171 (Ind. Ct. App. 2018).

              III. Viking’s Claims Against NBD for Breach of Contract and Negligence

[94]   We now turn to Viking’s claims against NBD. Viking argues that the trial court

       erred when it granted summary judgment in favor of NBD on Viking’s claims

       9
        Indiana Code section 27-4-1-4.5, which specifies certain “unfair claim settlement practices,” provides no
       private cause of action. Hickman, 622 N.E.2d at 519 n.1.

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020                Page 46 of 54
of breach of contract and negligence. Viking contends that genuine issues of

material fact exist as to whether NBD breached its contract with Viking and

was negligent in dealing with Viking. NBD, on the other hand, asks this court

to affirm the trial court’s judgment in its favor because, according to NBD, the

trial court correctly found that “NBD affirmatively demonstrated its entitlement

to summary judgment on the grounds that Viking’s case rest[s] upon

speculation.” Br. of Appellee NBD at 35.

Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 47 of 54
                Genuine Issues of Material Fact Preclude Entry of Summary Judgment on
                Viking’s Claim Against NBD for Breach of Contract

[95]   Viking contends that the trial court’s grant of summary judgment in favor of

       NBD on Viking’s breach of contract claim was improper. To prevail, Viking

       needed to prove the existence of a contract, that NBD breached the contract,

       and resulting damages. Old Nat’l Bank v. Kelly, 31 N.E.3d 522, 531 (Ind. Ct.

       App. 2015), trans. denied. The alleged breach by the defendant must be a cause

       in fact of the plaintiff’s loss. Fowler, 612 N.E.2d at 601. Proximate cause

       requires, at a minimum, that the harm would not have occurred but for the

       defendant’s conduct. Hassan v. Begley, 836 N.E.2d 303, 307 (Ind. Ct. App.

       2005).

[96]   NBD, like Selective, challenges Viking’s claim for breach of contract on

       grounds of causation; that is, NBD was not the proximate cause of Viking’s

       damages. NBD contends that by designating the testimony of metallurgists

       retained by both NBD and Selective, NBD has successfully negated the element

       of causation such that Viking cannot prevail on its breach of contract claim.

[97]   NBD designated the testimony of two expert witness: Bradley Plank, its own

       expert who is a professional engineer and metallurgist; and Hanke, Selective’s

       expert, discussed supra. Plank testified that it was not possible to quantify the

       extent of Viking’s damages from just reviewing photographs. Hanke similarly

       opined that there was not enough data in this particular case to be able to

       identify any extent of corrosion that occurred over time. Hanke also testified

       that corrosion rates on Viking’s equipment would have been extremely low, or

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 48 of 54
       possibly stagnant, in the weeks immediately following the fire and that

       establishing climate control within the Facility in the days immediately

       following the fire would not have significantly mitigated corrosion damage.

       According to NBD, the experts’ testimony established that there was no

       evidence to show when Viking’s alleged corrosion damage occurred.

[98]   Viking relied on the opinions of Oakes, its restoration expert. Oakes opined that

       after reviewing the case materials provided to him, including pictures,

       diagrams, deposition testimony, and correspondence, he believed that NBD

       failed to timely perform the proper procedures for mitigating the environment

       of the Facility and preserving its contents after the fire loss. Specifically, Oakes

       testified that, in his opinion, NBD failed to properly regulate the environment

       of the Facility and clean and preserve the sensitive equipment components.

[99]   NBD maintains that Oakes’s testimony was “completely speculative.” Br. of

       Appellee NBD at 30. According to NBD, Oakes failed to provide an opinion

       regarding the amount of corrosion, if any, that allegedly occurred during the

       two-week period following the fire. NBD asserts that Oakes was not qualified to
                                              10
       render opinions on this issue and that his testimony failed to establish

       causation of the corrosion. We disagree.

       10
          At the hearing held on the summary judgment motions of Selective and NBD, NBD made an oral motion
       to strike the testimony of Oakes, arguing that Viking failed to properly demonstrate that Oakes was qualified
       to render his opinions. The trial court took the matter under consideration and, ultimately, denied the
       motion.

       Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020                Page 49 of 54
[100]   As noted supra, the role of the trial court at summary judgment is not to act as a

        trier of fact, but rather to determine whether the movant established, prima

        facie, either that there is insufficient evidence to proceed to trial, or that the

        movant is otherwise entitled to judgment as a matter of law. Kader v. State, Dep’t

        of Correction, 1 N.E.3d 717, 727 (Ind. Ct. App. 2013). Any doubt as to the

        existence of a factual issue should be resolved against the party moving

        for summary judgment, and where designated evidentiary materials may give

        rise to reasonable conflicting inferences, such inferences shall be drawn in favor

        of the nonmovant. Auto-Owners Ins. Co. v. Harvey, 842 N.E.2d 1279, 1289 (Ind.

        2006). “The court must accept as true those facts alleged by the nonmoving

        party and resolve all doubts against the moving party.” Id. (citations and

        internal quotations omitted).

[101]   Here, Viking and NBD offer competing expert-opinion testimony regarding

        whether NBD was the proximate cause of Viking’s damages. Thus, determining

        causation turns on matters that the jury must decide, including witness

        credibility and an evaluation of the weight to be given to the evidence. Kader, 1
N.E.3d at 727. Witness credibility and the relative apparent weight of evidence

        are not relevant considerations at summary judgment. Id. Assessments of

        credibility and weight are the province of the factfinder at trial, not the trial

        court at summary judgment. See Miller v. Bernard, 957 N.E.2d 685, 699 (Ind. Ct.

        App. 2011) (noting that “[i]t is properly the role of a fact-finder to determine . . .

        intentions and actions”).

        Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 50 of 54
[102]   It is well settled that summary judgment must be denied if the resolution hinges

        upon state of mind, credibility of the witnesses, or the weight of the

        testimony. Richter v. Klink Trucking, Inc., 599 N.E.2d 223, 225 (Ind. Ct. App.

        1992), trans. denied. This is precisely the scenario here. As such, we find the trial

        court erred in granting summary judgment in favor of NBD on this issue.

                Genuine Issues of Material Fact Preclude Entry of Summary Judgment on
                Viking’s Claim Against NBD for Negligence

[103]   Finally, Viking contends that the trial court erred in granting NBD summary

        judgment on Viking’s negligence claim on the basis that Viking’s claim was

        barred under the economic loss doctrine. As explained supra, under this

        doctrine, a party may recover only the remedies provided by the contract

        following a failure of a product or service to perform as expected. See Gunkel,
822 N.E.2d at 152. Indeed, “contract is the only available remedy ‘where the

        loss is solely economic in nature, as where the only claim of loss relates to the

        product’s failure to live up to expectations, and in the absence of damage to

        other property or person.’” Id. (quoting Reed, 621 N.E.2d at 1074–75).

[104]   Viking argues that the economic loss doctrine does not bar its negligence claim

        because Viking never contracted with NBD for the mitigation and repair of the

        damaged equipment. In support, Viking designated evidence showing that the

        Work Authorization that Steve signed before NBD began working on the

        equipment: was not a binding contract; was a blank form when it was presented

        to Steve for his signature; and did not contain any scope of work, price terms,

        or rate-sheet information. Viking also designated evidence that Watterud’s

        Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 51 of 54
        request that Smith, NBD’s project manager, write “[m]itigation [o]nly” on the

        Work Authorization before beginning the work on the equipment did not
                                                                                   11
        amount to a ratification of the Work Authorization. Appellant’s App. Vol. 14,

        pp. 141–42. Additionally, Viking designated evidence that subsequent damage

        to the equipment was the equivalent of damage to “other property” that falls

        outside the reach of the economic loss doctrine. See Appellant’s Br. at 38.

[105]   NBD counters by contending that “[a] straightforward application of the

        economic loss rule” here “indicates that the damages alleged by Viking are

        precisely the type of pecuniary, incidental, and consequential loss that . . .

        Indiana courts . . . have deemed to be an ‘economic loss.’” Br. of Appellee

        NBD at 34. According to NBD, Viking has not alleged any personal injury or

        property damages other than “the damages to its . . . equipment itself, and

        incidental and consequential losses[, and n]one of these damages amount to

        damages to ‘other property’ which could provide Viking with an exception from

        this general rule.” Id. Thus, because Viking is seeking damages from NBD

        based on the services performed in the Facility and on its equipment, any

        damages resulting from NBD’s alleged negligence “were to the ‘product’ Viking

        purchased and not to ‘other property.’” Id.

        11
           Under the theory of ratification, “[a] principal will be bound by a contract entered into by the principal’s
        agent on his behalf regardless of the agent’s lack of authority if the principal subsequently ratifies the contract
        as one to which he is bound.” Guideone Ins. Co. v. U.S. Water Sys., Inc., 950 N.E.2d 1236, 1242 (Ind. Ct. App.
        2011). Ratification may be express, where the principal explicitly approves the contract, or implied, where
        the principal does not object to the contract and accepts the contract’s benefits. Id.

        Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020                     Page 52 of 54
[106]   In support of its arguments, NBD points to the testimony of its experts as

        evidence that no analysis or evaluation of any alleged corrosion was completed

        such that the extent of any corrosion damage could be determined. NBD

        designated evidence that the lack of retained evidence and inadequate

        documentation of the physical condition of the equipment—prior to and during

        the restoration process—precluded a reliable determination of the impact the

        restoration schedule and process had on the additional damage that occurred to

        Viking’s equipment after the fire.

[107]   Here, based upon the contradictory evidence designated by Viking and NBD,

        we once again find that genuine issues of material fact exist as to whether the

        economic loss doctrine precludes Viking’s claim against NBD for negligence.

        See Richter, 599 N.E.2d at 225, 227 (summary judgment must be denied if

        resolution hinges upon state of mind, credibility of the witnesses, or the weight

        of the testimony; mere improbability of recovery at trial does not justify entry of

        summary judgment against the plaintiff); Kennedy v. Guess, Inc., 806 N.E.2d 776,

        783 (Ind. 2004) (summary judgment is rarely appropriate in negligence cases);

        Florio v. Tilley, 875 N.E.2d 253, 256 (Ind. Ct. App. 2007) (“Issues of negligence,

        contributory negligence, causation, and reasonable care are more appropriately

        left for the determination of a trier of fact.”). We therefore conclude that the

        trial court erred in granting NBD summary judgment on this issue.

                                                  Conclusion
[108]   In light of our disposition of the issues set forth above, we conclude that the

        trial court erred when it granted summary judgment in favor of Selective on
        Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 53 of 54
Viking’s claims of breach of the insurance contract, negligence, negligent claim

handling, and the duty of good faith and fair dealing and in favor of NBD on

the claims of breach of contract and negligence. However, the trial court

properly granted summary judgment to Selective on Viking’s claims of

negligent hiring and respondeat superior. Therefore, we affirm in part, reverse

in part, and remand for proceedings consistent with this opinion.

Bradford, C.J., and Najam, J., concur.

Court of Appeals of Indiana | Memorandum Decision 20A-PL-671 | November 30, 2020   Page 54 of 54