Feaster v. American Liberty Ins. Co.
| Decision Date | 02 March 1982 |
| Citation | 410 So.2d 399 |
| Parties | Houston H. FEASTER and Marie B. Feaster v. AMERICAN LIBERTY INSURANCE COMPANY. 80-759. |
| Court | Alabama Supreme Court |
Robert E. McDonald, Jr., Mobile, for appellants.
Edward L. Lasseter, Jr., of Brown, Hudgens, Richardson, Whitfield & Gillion, Mobile, for appellee.
This is an action by a holder of a homeowner's insurance policy to recover for damages to a dwelling and contents at Lot 4, Tierra Court, on Dauphin Island. The house and its contents were destroyed in Hurricane Frederic, which struck the coast of Alabama on September 12, 1979. Houston and Marie Feaster, the homeowners, claim that the house and its contents, located on Dauphin Island, are covered by an insurance policy issued by American Liberty Insurance Company. American Liberty denies coverage for damages to the structure and its contents. The company claims that coverage is limited to personal liability.
The declaration page reads as follows:
Feaster Houston H. & Marie B.
63 Silverwood
The residence premises covered by this policy is located at the above address, unless otherwise stated ...
Section II-Other insured locations
Lot 4 Tierra Court Dauphin Island
The policy included a twelve page description of the insurance agreement. The agreement defines "insurance location" as "the residence premises," as well as various other places an insured might reside. Section I of the agreement sets the various types of coverages contemplated by the agreement, such as damages to the dwelling, other structures and personal property, wherever it is located. Section I also set out exclusions and conditions to coverage. Section II sets out liability coverages, exclusions and additional coverages.
At the trial before the trial court sitting without a jury, the insurance company contended that the Feasters' house on Dauphin Island is not their "residence premises" because the policy anticipates that a family can have only one "residence premises." The company claimed that only a "residence premises" receives coverage for damages to the structure and the personal property within. "Insured locations," American Liberty asserted, receives liability coverage. The company asserted that the agreement unambiguously failed to provide coverage for the Feasters' house on Dauphin Island. The company introduced evidence that the Feasters had an insurance policy with another company covering their residence at Dauphin Island.
The Feasters noted that the declaration page of the policy clearly listed their house at Dauphin Island under "other insured locations." The insurance agreement does not specify any distinction between "insured location" and "residence premises." The Feasters claimed that the policy clearly anticipated coverage of their beach house. The Feasters also argued that at worst, the policy is ambiguous and should be construed in a manner most favorable to the insured.
At the close of the evidence the trial judge granted American Liberty's motion for a directed verdict. ARCP 50. The trial court denied the Feasters' motion for a new trial. ARCP 59. The Feasters appeal from the verdict rendered in favor of the insurance company.
Two issues are raised by this appeal: (1) What standard of review is applicable to the trial court's order? (2) Whether the trial court erred in granting a directed verdict in favor of the insurance company.
As a procedural matter, the granting of a directed verdict under Rule 50(a) is improper when the case is tried before a judge without a jury. The method of raising the sufficiency of the evidence in a nonjury trial is a Rule 41(b) motion for involuntary dismissal. See Ala.R.Civ.P. 41(b), Committee Comments. Rule 41(b) provides:
After the plaintiff, in an action tried by the court without a jury, has completed the presentation of his evidence, the defendant, without waiving his right to offer evidence in the event the motion is not granted, may move for a dismissal on the ground that upon the facts and the law the plaintiff has shown no right to relief. The court as trier of the facts may then determine them and render judgment against the plaintiff or may decline to render any judgment until the close of all the evidence.
Although directed verdicts and involuntary dismissals have comparable characteristics, to say that they are equivalent in all respects is to ignore the different functions of the judge in a jury trial, in which he or she is not the trier of fact, and the function of a judge in a nonjury trial, in which he or she is the trier of fact. United States v. United States Gypsum Co., 67 F.Supp. 397 (D.D.C.1946). Nevertheless, after an examination of the standards for a directed verdict and an involuntary dismissal, it will be clear that by satisfying the standard for a directed verdict, the standard for granting an involuntary dismissal is implicitly satisfied. Thus, the court did not commit prejudicial error by granting a directed verdict rather than an involuntary dismissal. See Lentino v. Fringe Employment Plans, Inc., 611 F.2d 474 (3d Cir. 1979).
In Casey v. Jones, 410 So.2d 5 (Ala.1981), this court elucidated the standard for granting a directed verdict. On a motion for a directed verdict in a jury...
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