United States District Court, E.D. Louisiana
ORDER AND REASONS
SUSIE MORGAN, District Judge.
Before the Court are Defendant Southern Fidelity Insurance Company's motion to dismiss pursuant to Rule 12(b)(6),  and the Louisiana Attorney General's motion to dismiss the petition against the Office of Risk Management, Office of Community Development/Disaster Recovery Unit, and Hazard Mitigation Grant Program. The Court has reviewed the briefs, the record, and the applicable law, and now issues this Order and Reasons.
On August 6, 2014, Plaintiff Tommie Favors filed a Complaint pro se against Louisiana's Office of Risk Management ("ORM"), Hazard Mitigation Grant Program ("HMGP"), Office of Community Development ("OCM"), LL5 Enterprise, L.L.C., Robert Llopis, Noah W. Lewis & Associates, Noah W. Lewis, Lloyds of London Insurance Company, Southern Fidelity Insurance Company ("SFIC"), City of New Orleans, and Department of Safety and Permits. Favors alleges he entered into a contract with LL5 Enterprise to elevate his home, and LL5 breached the contract when the contractor caused damage to his home while elevating the property. Defendant SFIC issued an insurance policy to Favors, which covered damage to his residence. Favors argues SFIC "ha[d] an obligation to inspect the scope of work performed [by] the contractor, but failed to do so." Favors claims the ORM, OCD, and HMGP (collectively "the State Defendants") are liable because personnel in the OCM and HMGP caused him to suffer injuries as a result of misconduct, and the ORM "provide[s] liability insurance coverage for employees in the [OCM] and [HMGP]..., who suffer injuries and losses as a result of personnel misconduct." Plaintiff filed suit in federal court bringing claims under 42 U.S.C. §§ 1983 and 1985 for violations of the Fourteenth Amendment and various Louisiana state law claims.
Defendant SFIC and the State Defendants filed motions to dismiss Plaintiff's claims against them in November of 2014. Attorney Deidre Peterson was enrolled as counsel of record for Favors on December 2, 2014. She requested an extension of time to oppose the motion to dismiss filed by SFIC and was given until December 31, 2014 to file an opposition. On December 12, 2014, she filed a motion for an extension of time to oppose the motion to dismiss filed by the State Defendants, but the motion was marked as deficient by the Clerk's Office. Plaintiff failed to timely file an opposition to either motion. Because the Complaint in this matter was filed pro se and since counsel of record was not enrolled until after the motions to dismiss were filed, the Court gave Plaintiff's counsel until February 3, 2015 to file oppositions to the pending motions to dismiss. Since the Court's order, nothing has been filed into the record with respect to the motions to dismiss filed by SFIC and the State Defendants.
STANDARD OF LAW
Federal Rule of Civil Procedure 12(b)(6) provides for dismissal of a claim if the claimant fails to set forth a factual allegation in support of its claim that would entitle it to relief. Those "[f]actual allegations must be enough to raise a right to relief above the speculative level.'" "To survive a motion to dismiss, a complaint must contain sufficient factual matter, accepted as true, to state a claim to relief that is plausible on its face.'" "A claim has facial plausibility when the plaintiff pleads factual content that allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged." The Court must accept all well-pleaded facts as true and draw all reasonable inferences in favor of the non-moving party,  but the Court need not accept as true legal conclusions couched as factual allegations. "[O]nly a complaint that states a plausible claim for relief survives a motion to dismiss."
LAW AND ANALYSIS
A. Defendant Southern Fidelity Insurance Company's motion to dismiss
Southern Fidelity Insurance Company filed a motion to dismiss the claims against it for failure to state a claim for relief under Rule 12(b)(6). SFIC issued Favors an insurance policy, which covered damage to his residence. Favors alleges that SFIC had an obligation to inspect the scope of work performed by the contractor who made the repairs and was negligent in failing to inspect, monitor, and evaluate the performance of the contractor before issuing payment. SFIC argues the insurance policy does not obligate SFIC to inspect, monitor, or evaluate the performance of a contractor before issuing payment. SFIC contends Favors has no cause of action against SFIC; thus, he has failed to assert a viable cause of action against SFIC, and SFIC is entitled to an order dismissing the claims against it with prejudice.
Although courts generally are not permitted to review material outside of the pleadings when deciding a Rule 12(b)(6) motion, the Fifth Circuit has recognized an exception: a court may consider documents attached to a Rule 12(b)(6) motion as part of the pleadings if they are referred to in the complaint and are central to the plaintiff's claims. Courts may consider insurance policies, even if the policies are only vaguely mentioned in a complaint. SFIC attached the insurance policy at issue to its motion to dismiss. Because Plaintiff refers in the Complaint to SFIC's obligations owed to him and since the policy is central to Plaintiff's claims against SFIC, the Court may consider the insurance policy when determining whether to dismiss Plaintiff's claims for failure to state a claim.
SFIC contends the claims against it must be dismissed because the insurance policy at issue does not obligate it to inspect, monitor, or evaluate the performance of a contractor before issuing payment and an insurer is not obligated to perform tasks outside the scope of the insurance policy. "An insurance policy is a contract and, as with all other contracts, it constitutes the law between the parties." "The rights and obligations of the parties... are predicated upon certain terms and conditions of a contract. The courts may not make a contract for the parties. Their functions and duty consist simply in interpreting and enforcing the agreement as actually made."
Thus, SFIC's only obligations to Favors are those contained in the insurance contract. The Fifth Circuit has recognized that "in order to allege a valid claim for breach of an insurance contract under Louisiana law, a plaintiff must allege a breach of a specific policy provision.'" In his compliant, Plaintiff fails to cite a specific policy provision breached by SFIC. Accordingly, ...