Court Opinion

ID: 6113293
Source: CourtListenerOpinion
Date Created: 2022-01-27 18:02:57.788223+00
Date Added: 2024-06-11T08:01:49.817569
License: Public Domain

IN THE SUPERIOR COURT OF THE STATE OF DELAWARE

ERIC MONZO AND                            :
DANA SPRING MONZO,                        :
                                          :
                  Plaintiffs,             :     C.A. No. K18C-11-003 NEP
                                          :
             v.                           :
                                          :
NATIONWIDE PROPERTY &                     :
CASUALTY INSURANCE CO.,                   :
                                          :
                  Defendant.              :

                          Submitted: October 27, 2021
                           Decided: January 27, 2022

                  MEMORANDUM OPINION AND ORDER
                  Upon Defendant’s Motion to Satisfy Judgment
                            DENIED AS MOOT
                  Upon Plaintiffs’ Motion to Amend Complaint
                                   DENIED

Eric J. Monzo, Esquire, Morris James LLP, Wilmington, Delaware, On Behalf of
Pro Se Plaintiffs.

Louis J. Rizzo, Jr., Esquire, Reger Rizzo & Darnall LLP, Wilmington, Delaware,
Attorney for Defendant.

Primos, J.
       This matter involves a claim for damages by Plaintiffs Eric Monzo and Dana
Spring Monzo (hereinafter collectively “Plaintiffs”)1 against their homeowners’
insurance carrier, Defendant Nationwide Property & Casualty Insurance Company
(hereinafter “Defendant”). Before the Court are two separate motions—Plaintiffs’
Motion to Amend Complaint and Defendant’s Motion to Satisfy Judgment. At the
outset, the Court notes that Defendant’s Motion to Satisfy Judgment must be
DENIED AS MOOT. In accordance with Superior Court Civil Rule 68,2 judgment
was entered on the matter when Plaintiffs accepted an offer of judgment filed with
this Court, which was subsequently satisfied.3 This procedure is non-discretionary
and, in most respects, self-executing.4 As explained infra, the remaining motion,
Plaintiff’s Motion to Amend Complaint, is also DENIED, resulting in a final
resolution of this case.

1
  Plaintiffs, who are both licensed Delaware attorneys, are self-represented in this action.
2
  Super. Ct. Civ. R. 68 (“If within 10 days after the service of the offer the adverse party serves
written notice that the offer is accepted, either party may then file the offer and notice of acceptance
together with proof of service thereof and thereupon the Clerk shall enter judgment.” (emphasis
supplied)).
3
   In this case, as will be mentioned infra, Plaintiffs submitted an “Acceptance of Offer of
Judgment” and “Certificate of Service” on June 22, 2021. D.I. 56. Thereafter, judgment was
entered, and Plaintiffs subsequently filed a “Satisfaction of Judgment” on July 26, 2021. D.I. 58.
4
  See Mallory v. Eyrich, 922 F.2d 1273, 1279 (6th Cir. 1991) (“Rule 68 . . . leaves no discretion in
the district court to do anything but enter judgment once an offer has been accepted. By directing
that the clerk shall enter judgment after proof of offer and acceptance have been filed, the explicit
language of the rule signifies that the district court possesses no discretion to alter or modify the
parties' agreement.”). The Court notes that it looks to the federal judiciary with near “identical
rules[,]” infra, for “persuasive” authority in interpreting Delaware’s Rule 68 counterpart. Smith v.
State, 647 A.2d 1083, 1088 (Del. 1994) (“[C]onstruction of identical rules by the federal judiciary
is accorded “great persuasive weight” in our interpretation of the Delaware counterparts.” (citing
Hoffman v. Cohen, 538 A.2d 1096, 1098 (Del. 1988) (“This Court has also held that because the
1948 Superior Court Civil Rules are basically the 1938 Federal Rules of Civil Procedure, the
construction of these latter rules by the federal judiciary is of “great persuasive weight in the
construction of the present Superior Court Rules.” (citations omitted)))).
                                                   2
                   I.     FACTS AND PROCEDURAL HISTORY
       The background facts of this action are set forth in Monzo v. Nationwide Prop.
& Cas. Ins. Co.5 (hereinafter “Monzo II”). The relevant facts pertaining to the
motions now before the Court are as follows:
       On November 1, 2018, Plaintiffs filed a Complaint against Defendant relating
to Plaintiffs’ homeowners’ policy. Count I of the Complaint sought a declaratory
judgment that Defendant was re quired to cover certain losses pursuant to Plaintiffs’
policy. Count II of the Complaint stated a claim for bad faith breach of contract,
which was dismissed pursuant to stipulation between the parties, as approved by the
Court, on August 1, 2019, “in order to facilitate settlement discussions.”6
       Subsequently, Defendant filed a motion for summary judgment on the
remaining claims, which this Court granted in full on March 18, 2020.7 On March
11, 2021, the Delaware Supreme Court affirmed this Court’s decision in part, but
reversed as to the Option R coverage provision in Plaintiffs’ policy. The Supreme
Court found, inter alia, that “[t]here are material disputed facts regarding whether
the sole cause of the damage was a water backup to which the policy's Option R
Coverage applies.”8
       Plaintiffs filed a motion to amend the Complaint (hereinafter the “Motion to
Amend”) on May 21, 2021, seeking to add back the bad faith claim, with new
allegations stemming from limited discovery. These included the assertion that
Plaintiffs’ insurance agent, Mr. Papa, had opined that he “believed that coverage
may be afforded to Plaintiffs to [sic] the loss suffered.”9 The Motion to Amend was

5
  249 A.3d 106, 111-17 (Del. 2021).
6
  Pls.’ Mt. to Amend Compl. ¶ 3 (D.I. 50).
7
  Monzo v. Nationwide Prop. & Cas. Ins. Co. (hereinafter “Monzo I”), 2020 WL 1317276, at *7
(Del. Super. Mar. 18, 2020), aff'd in part, rev'd in part, 249 A.3d 106 (Del. 2021).
8
  Monzo II, 249 A.3d at 130.
9
  Proposed Am. Compl. ¶ 59.
                                            3
originally noticed for June 10, 2021. The Court subsequently issued an order
rescheduling the hearing for June 17, 2021.10 Prior to June 17, the parties initiated
settlement discussions in an attempt to resolve the matter.
       On June 13 and 14, 2021, Plaintiff Eric Monzo sent emails to defense counsel
that stated in relevant part:
       Before we go to argument on whether the [bad faith] breach of contract
       claim comes back in, I wanted to inquire whether settlement discussions
       would be fruitful. . . . As I mentioned, given the insurer’s prior position
       that a bad faith breach of contract claim could stifle settlement efforts
       and because the hearing on whether that claim is added back is on
       Thursday, I thought it would be productive to discuss settlement this
       week . . . To get the ball rolling and based on the current posture in the
       case, I’d be inclined to settle for payment of the $25k in option r [sic]
       coverage in exchange for a complete release. Please discuss this offer
       to [sic] your client and advise.11
       On June 15, defense counsel responded that he had conveyed the offer to his
client and “I suggested that they put their best foot forward to try to resolve this now.
They instructed me to extend an offer in the amount of $8,000.” 12 The email went
on to state that settlement would be in the form of an offer of judgment and “is the
extent of the authority of settlement that will be extended. Please let me know if we
are settled at this figure . . . .”13 The offer of judgment (hereinafter the “Offer”),
which was attached to defense counsel’s email, stated as follows:

              Pursuant to Superior Court Civil Rule 68, Defendant offers to
       allow judgment to be entered against it in the above-captioned
       matter in the amount of Eight Thousand Dollars ($8,000.00), inclusive
       of fees and costs.

10
   D.I. 51.
11
   Ex. C to Pls.’ Resp. to Mt. to Satisfy J. and Suppl. Resp. to Mt. to Amend Compl. (hereinafter
“Pls.’ Ex. _”), at 7, 5 (emphasis supplied) (D.I. 63).
12
   Id. at 4.
13
   Id.
                                               4
               This offer of judgment is made solely for the purposes specified
       in Rule 68 and is not to be construed as an admission that the Defendant
       is liable in this action or that the Plaintiffs have suffered damage.14
       Mr. Monzo responded on June 16, “We will accept the offer of judgment and
instruct the Clerk to enter judgment against Nationwide in the amount of $8000. We
will instruct Chambers to continue the hearing scheduled for tomorrow until the next
motion calendar. Thank you.”15
       Subsequently, Plaintiffs filed an acceptance of the Offer with the Court, with
Plaintiffs’ direction to enter judgment, on June 22, 2021.16 The Offer was entered
by the Clerk, and the amount was paid by Defendant and accepted by Plaintiffs, as
indicated in Plaintiffs’ “Satisfaction of Judgment on Count I of the Complaint” filed
with the Court on July 26, 2021.17
       However, a dispute arose between the parties regarding whether or not the
Offer comprehended the bad faith claim that was the subject of the Motion to
Amend. To summarize Plaintiffs’ position on this, Eric Monzo stated in an email
on July 21, 2021, “The check was cashed in connection with payment on a
homeowners’ claim. You and your client elected to file an offer of judgment rather
than settle in exchange for a full release. All other claims remain.”18

                             II. PARTIES’ CONTENTIONS

       Defendant makes three arguments: 1) the Offer includes, in its disposition,
the potential bad faith claim by its reference of “allow[ing] judgment to be entered
against it in the above-captioned matter”19; 2) even if the Offer did not include the

14
   Pls.’ Ex. A (emphasis supplied).
15
   Pls.’ Ex. C at 4.
16
   D.I. 56.
17
   D.I. 58.
18
   Pls.’ Ex. C at 1.
19
   Pls.’ Ex. A.
                                          5
bad faith claim, the final judgment as to the Option R claim is res judicata on the
potential bad faith claim; and 3) the motion to amend is futile because the bad faith
claim cannot survive a Rule 12(b)(6) motion to dismiss.
       Plaintiffs respond that the Offer was not clear as to what it included, and that
any ambiguity must be construed against the drafter. In addition, Plaintiffs argue
that their amendment will not prejudice the Defendant and should be granted freely.
It is important to note that neither party is attempting to rescind the Offer under
general contract principles, e.g., mutual mistake of fact.

                                      III. DISCUSSION
A. The Court need not make a determination on the interpretation of “above-
captioned matter” within the Offer.
       The purpose of Superior Court Civil Rule 68 (hereinafter “Rule 68”) is to
encourage settlement and avoid litigation.20 Rule 68 prompts both parties to balance
and evaluate the risks and costs of litigation against the likelihood of success at trial
on the merits.21 Generally, the principles of contract law are applied when a question
of interpretation is raised.22
       Among Delaware courts, there are two perspectives on how to interpret the
language contained within Rule 68 when there appears to be a conflict in the parties’

20
   Cahall v. Thomas, 906 A.2d 24, 25–26 (Del. 2006) (citing Beaudet v. Thomas, 797 A.2d 678
(Del. 2002)).
21
   Id.; Marek v. Chesny, 473 U.S. 1, 5 (1985).
22
   Webb v. James, 147 F.3d 617, 620 (7th Cir. 1998); see also, e.g., Radecki v. Amoco Oil Co., 858
F.2d 397, 399 (8th Cir. 1988) (applying “contract principles . . . to a Rule 68 offer of judgment”);
Mallory, 922 F.2d at 1279 (“In cases construing Rule 68 judgments where the parties disagree as
to what was intended, the courts apply contract principles.”); Erdman v. Cochise Cty., Ariz., 926
F.2d 877, 880 (9th Cir. 1991) (“Typically, a [Rule 68] settlement agreement is analyzed in the
same manner as any contract, i.e., any ambiguities are construed against the drafter. Where
necessary, district courts are authorized to look to extrinsic evidence to clarify ambiguities as to
the intended meaning of material terms.”); Basha v. Mitsubishi Motor Credit of Am., Inc., 336 F.3d
451, 453 (5th Cir. 2003) (“Courts apply general contract principles to interpret Rule 68 offers of
judgment.”).
                                                 6
understanding of a term. The first case interpreting a Rule 68 offer appears to be
Sarkis v. Harsco Corp.23 In Sarkis, along with subsequent decisions, this Court has
looked to extrinsic evidence when trying to interpret language and intentions in an
offer of judgment.24 However, more recently in Hamilton v. Nationwide Mut. Fire
Ins. Co.,25 when determining whether cost and fees must be explicitly stated in a
Rule 68 offer, this Court favorably cited a Third Circuit decision which stated:
       Here, the Offer was valid and was silent as to fees and costs. That fact
       begins and ends our analysis. In interpreting a Rule 68 offer of
       judgment, courts must not consider extrinsic evidence or the intentions
       of the parties.26
       Although this might appear to reflect a conflict among Delaware courts on
this issue, any potential conflict is resolved because longstanding Delaware case law
confirms that general principles of contract law apply to offers of judgment where
the issue of attorney fees and costs is not present.27 Outside this narrow exception,

23
   332 A.2d 156 (Del. Super. 1975). See id. at 158 (“The general rule is that the scope of an
estoppel created by a [Rule 68 or] consent judgment is governed by the intention of the parties as
gathered from all the circumstances and, in particular, from the terms of the agreement upon which
the judgment is based.” (citing 47 Am.Jur.2d, Judgments § 1092, p. 149)).
24
   See, e.g., Gerken v. Atkinson, 2002 WL 1832322, at *1 (Del. Super. Aug. 8, 2002) (“General
principles of contract law are applicable in interpreting offers of judgment and their acceptance.”
(citing 13 James Wm. Moore et al., Moore's Federal Practice § 68.04 (3d. ed. 2002))). Cf. Guardian
Cap. Corp. v. Distant Horizon Dream, Inc., 1993 WL 258926, at *2 (Del. Super. July 2, 1993)
(“[T]he Court looks to the language and the circumstances of [a] consent judgment to determine
its effect.”); Maddox v. Just. of Peace Ct. No. 1, 1990 WL 123437, at *3 (Del. Super. Aug. 10,
1990) (“The pleadings should be considered in determining the effect of a consent judgment.”).
25
   2018 WL 6042813 (Del. Super. Nov. 16, 2018).
26
   Id. at *3 (quoting Lima v. Newark Police Dep't, 658 F.3d 324, 333 (3d Cir. 2011)).
27
   See supra notes 23 and 24. Cf. Erdman, 926 F.2d at 880 (stating that generally Rule 68 offers
are analyzed in “the same manner as any contract,” but that Rule 68 offers “differ from contracts
with respect to attorney fees”—i.e., a waiver or limitation of attorney fees in a Rule 68 offer must
be “clear and unambiguous”).
                                                 7
this Court applies general contract principles, which permit extrinsic evidence to be
considered “to arrive at a proper interpretation of contractual terms.”28
       In this case, Plaintiffs argue that the language of the Offer is ambiguous
because it is unclear whether it includes within its scope the bad faith claims that
were the subject of the pending Motion to Amend. Thus, while, as noted supra,
Defendant’s Motion to Satisfy Judgment is moot because the judgment has already
been satisfied pursuant to Plaintiffs’ acceptance of the Offer, there is a dispute
between the parties about what that Offer covered—i.e., whether it applied only to
Count I of the original complaint, which included, after the Supreme Court’s
decision, only the Option R coverage, or whether it also applied to Plaintiffs’ bad
faith claims.
       At the outset, the Court finds the language of the Offer—specifically, its
statement, “Defendant offers to allow judgment to be entered against it in the above-
captioned matter”—to be ambiguous, given the unique circumstances of this case.
At the time the Offer was made, Plaintiffs had filed the Motion to Amend in “the
above-captioned matter,” but the Court had not yet ruled on that motion, and thus
the bad faith claims had not been added back into the case.
       Accordingly, to properly interpret the language in question, the Court would
need to examine extrinsic evidence. While some of that evidence has been presented
to the Court in the form of the emails that the parties have made exhibits to their
submissions, other evidence has not been placed before the Court, including a

28
   Eagle Indus., Inc. v. DeVilbiss Health Care, Inc., 702 A.2d 1228, 1232 (Del. 1997); see also
Hercules, Inc. v. AIU Ins. Co., 784 A.2d 481, 489–90 (Del. 2001) (“Our goal is to ascertain the
intent of the contracting parties based on the contract terms. Ambiguity exists when the contractual
provisions in controversy are reasonably or fairly susceptible of different interpretations or may
have two or more different meanings.” (internal quotations and citations omitted)).
                                                 8
telephone conversation between Mr. Monzo and defense counsel that is referenced
in those emails.29
       However, the Court need not schedule an evidentiary hearing to provide more
detail concerning the circumstances surrounding the settlement discussions given
that, as the Court finds infra, the Motion to Amend is futile.30 To put it differently,
the Court’s decision on the Motion to Amend resolves the case, since the claims that
Plaintiffs contend were not included in the Offer’s scope—the bad faith claims—
cannot be brought back into the case, and thus the judgment that has been entered
includes all of Plaintiff’s claims in this case.31

B. The Court finds that the bad faith claim is futile because it is subject to
dismissal under Superior Court Civil Rule 12(b)(6) for failure to state a claim.
       Despite the fact that Rule 15 provides that leave to amend a complaint should
be “freely given,”32 leave to amend should be denied when the proposed amendment
would be futile.33 “A motion for leave to amend a complaint is futile where the
amended complaint would be subject to dismissal under Rule 12(b)(6) for failure to
state a claim.”34 On a motion to dismiss pursuant to Superior Court Civil Rule
12(b)(6), the moving party bears the burden of demonstrating that “under no set of
facts which could be proven in support of [the complaint] would the [plaintiff] be

29
   Pls.’ Ex. C at 5, 6.
30
   For the same reason, the Court need not analyze the merits of Defendant’s argument regarding
the potential res judicata effect of the accepted Offer on Plaintiffs’ pending bad faith claims.
31
   Mr. Monzo asserted at oral argument that Plaintiffs’ bad faith claims were not extinguished by
acceptance of the Offer because they were pending at the time of the Offer, i.e., they were the
subject of the Motion to Amend, which had not been decided by the Court, but he conceded that
other potential claims would not be similarly preserved.
32
   Super. Ct. Civ. R. 15(a).
33
   Clark v. State Farm Mut. Auto. Ins. Co., 131 A.3d 806, 811 (Del. 2016) (citing Price v. E.I.
DuPont de Nemours & Co., 26 A.3d 162, 166 (Del. 2011)).
34
   Id. (quoting Price, 26 A.3d at 166).
                                               9
entitled to relief.”35 Upon this Court's review of a motion to dismiss, “(i) all well-
pleaded factual allegations are accepted as true; (ii) even vague allegations are well-
pleaded if they give the opposing party notice of the claim; (iii) the Court must draw
all reasonable inferences in favor of the non-moving party; and [(iv)] dismissal is
inappropriate unless the plaintiff would not be entitled to recover under any
reasonably conceivable set of circumstances susceptible of proof.”36
       Generally, a bad faith claim has been recognized in Delaware “when the
insurer refuses to honor its obligations under the policy and clearly lacks reasonable
justification for doing so.”37 Bad faith claims “can stem from an insurer's failure to
investigate, pay, process a claim, or in delaying payment.”38 However, “a mere delay
in investigating a claim or paying benefits does not alone establish an insurer's bad
faith if there was a reasonable justification for the insurer's failure to do so.”39 When
judging reasonableness in this context, “[t]he ultimate question is whether at the time
the insurer denied liability, there existed a set of facts or circumstances known to the
insurer which created a bona fide dispute and therefore a meritorious defense to the
insurer's liability.”40 However, “[d]elays attributed to a ‘get tough’ policy, i.e., a
general business practice of claims denial without a reasonable basis, may subject
the insurer to a bad faith claim.”41

35
   Daisy Constr. Co. v. W.B. Venables & Sons, Inc., 2000 WL 145818, at *1 (Del. Super. Jan. 14,
2000).
36
   Savor, Inc. v. FMR Corp., 812 A.2d 894, 896–97 (Del. 2002) (internal citations and quotations
omitted); accord Daisy Constr., 2000 WL 145818, at *1; Doe v. Cahill,884 A.2d 451, 458 (Del.
2005).
37
   Enrique v. State Farm Mut. Auto. Ins. Co., 142 A.3d 506, 511 (Del. 2016).
38
   Price v. State Farm Mut. Auto. Ins. Co., 2013 WL 1213292, at *11 (Del. Super. Mar. 15, 2013),
aff'd, 77 A.3d 272 (Del. 2013) (TABLE).
39
    Powell v. AmGuard Ins. Co., 2019 WL 4509165, at *3 (Del. Super. Sept. 19, 2019) (citing
Tackett v. State Farm Fire & Cas. Ins. Co., 653 A.2d 254, 266 (Del. 1995)).
40
   RSUI Indem. Co. v. Murdock, 248 A.3d 887, 910 (Del. 2021) (citing Casson v. Nationwide Ins.
Co., 455 A.2d 361, 369 (Del. Super. 1982)).
41
   Tackett, 653 A.2d at 266.

                                              10
       Preliminarily, Plaintiffs have not alleged in their proposed amended complaint
that Defendant has a “general business practice” of claims denial; therefore, there is
no need for analysis under that grouping of claims. Rather, Plaintiffs have alleged
that Defendant’s action constituted bad faith in that Defendant “fail[ed] to make
complete and timely payment of insurance proceeds . . . without reasonable
justification”42 and “failed to . . . investigate and process”43 the claim.

             1. Defendant had reasonable justification for its failure to
                make payment.
       While, as noted supra, Plaintiffs and Defendant dispute whether the Offer
included the potential bad faith claim, all parties agree that the Offer included the
Option R coverage under Count I. Although the Offer was not for the full policy
limits under Option R, the Court does not find that Defendant failed to pay
completely, or delayed payment, without reasonable justification.
       Defendant had a reasonable belief that the policy, including the Option R
coverage, did not cover the damages. This Court, although reversed in part, found
that belief to be justified.44 The Supreme Court of Delaware stated, upon appeal,
that, while Plaintiffs were not entitled to coverage for damage to the pedestrian
bridge because “the earth movement exclusion unambiguously applies to the
collapsed pedestrian bridge,” a genuine issue of material fact still existed that might
or might not allow coverage under Option R for the collapsed retaining wall.45
However, the Supreme Court neither made, nor pointed to facts in the record that

42
   Proposed Am. Compl. ¶ 48.
43
   Proposed Am. Compl. ¶ 51; see generally Proposed Am. Compl. 48–63 (constituting the entirety
of Plaintiffs’ bad faith allegations).
44
   Monzo I, 2020 WL 1317276, at *4.
45
   Monzo II, 249 A.3d at 130. The Supreme Court’s holdings in Monzo II are clearly the “law of
the case.” See Marine v. State, 624 A.2d 1181, 1184 n.5 (Del. 1993) (“Previous holdings of an
appellate court constitute the law of the case and are conclusive as to litigated issues decided on
remand and subsequent appeal.” (citing Kenton v. Kenton, 571 A.2d 778, 784 (Del. 1990))).

                                                11
supported, a conclusive finding against Nationwide as a matter of law with regard to
the Option R coverage. Thus, Nationwide rightfully had a “meritorious defense” not
only with regard to damage to the pedestrian bridge—concerning which the Supreme
Court upheld summary judgment—but also with regard to the retaining wall based
on the evidence that the Option R coverage did not cover Plaintiffs’ damages, which
represented a “bona fide dispute” as confirmed by the Supreme Court’s holding.

                2. Defendant did not fail to investigate or process the claim,
                   even when considering Plaintiffs’ new allegations.
          In this matter, the Court finds that there was a speedy investigation of
Plaintiffs’ claims, evidenced by the fact that both parties hired experts shortly after
the incident to discover and analyze the root cause of the damage. Specifically,
Defendant hired structural engineer Sihan S. Jawad to investigate and determine the
cause of the damage to the bridge and the retaining wall. Jawad’s investigation
found, inter alia, that “the damage to the bridges and the retaining walls . . . was
caused by soil erosion and soil/hydrostatic pressure.”46 The conclusions of Jawad’s
investigation, along with other inquiry, have left an open question concerning
whether the Option R coverage applied to the damage to the retaining wall under the
claim creating the original dispute. Thus, the claim was both investigated and
processed in a timely manner by Defendant.
          As mentioned supra, Plaintiffs have asserted factual allegations relating to
representations to them by their insurance agent, Mr. Papa. This Court holds that
the allegations that “Mr. Papa believed that coverage may be afforded to Plaintiffs
to [sic] the loss suffered … [and] the Defendant failed [to] properly investigate Mr.
Papa’s assertion that insurance coverage could be available yet improperly denied

46
     Id. at 113 (quoting Engineering Report of Sinan S. Jawad, P.E., at 3).
                                                  12
the Claim”47 fail to support a colorable bad faith claim. The amended complaint’s
allegations pertaining to Mr. Papa’s representations that the incident could be
covered amount to nothing but statements of first impression from an agent who was
neither responsible for interpretation of the contractual provisions of the policy nor
familiar with the nuanced circumstances surrounding the damages to Plaintiffs’
property. More to the point, Mr. Papa represented to Plaintiffs that coverage “may
be afforded”—not that it would be.
         Hence, as a matter of law, Defendant cannot be said to have failed to
investigate or process the claim, even with Plaintiffs’ additional factual allegations
viewed in a light most favorable to Plaintiffs.

                                     IV. CONCLUSION

         For the foregoing reasons, Defendant’s Motion to Satisfy Judgment is
DENIED AS MOOT, and Plaintiffs’ Motion to Amend the Complaint is DENIED
as futile.
         IT IS SO ORDERED.

NEP/wjs
Via File & ServeXpress
oc: Prothonotary
      Counsel of Record
      file
47
     Proposed Am. Compl. ¶¶ 59–61.
                                           13