This appeal concerns an insurance dispute following a fire that destroyed a building and valuable accounting records.
The insured submitted claims, some of which were subject to umpire appraisal awards under the Insurance Act.
The insurer refused to pay other claims, including those filed before appraisals and not covered by the appraisal process.
The insured brought an action against the insurer and its adjuster for breach of contract, negligence, and bad faith.
The motion judge granted partial summary judgment, dismissing claims related to building and valuable papers losses and striking the claim against the adjuster.
The Court of Appeal allowed the appeal, finding that partial summary judgment was inappropriate due to intertwined issues and the potential for inconsistent findings.
It held that the appraisal process under the Insurance Act is not a "one-shot" valuation and does not preclude further claims for different expenses under the same head of coverage if the awards were expressly confined.
The court also found that the motion judge erred in striking the personal claim against the adjuster, as an employee can be personally liable for tortious conduct even if acting in the course of employment.