Martin
Martin v. Csaa Ins. Exch.
Opinion
Lead Opinion
Mariajamesintroduction, J.
Pending before the Court is Defendant CSAA Insurance Exchange's Motion to Dismiss pursuant to Federal Rule of Civil Procedure (Rule) 12(b)(6). Mot., Dkt. No. 31. Plaintiffs Alicia and Efren Martin filed an Opposition (Dkt. No. 34), and Defendant filed a Reply (Dkt. No. 36). The Court finds this matter suitable for disposition without oral argument and VACATES the January 18, 2018 hearing. See Fed. R. Civ. P. 78(b) ; Civ. L.R. 7-1(b). Having considered the parties' positions, the relevant legal authority, and the record in this case, the Court GRANTS Defendant's Motion for the following reasons.
BACKGROUND
The First Amended Complaint (FAC, Dkt. No. 22) alleges the following:
Plaintiffs purchased a homeowners' insurance policy and a standard flood insurance policy (SFIP) from Defendant to cover losses to their property. FAC ¶¶ 2, 28-29. The declarations pages from these two policies are attached to the FAC. Id. , Ex. A (Homeowners Policy) & Ex. B (SFIP).
On March 11, 2016, Plaintiffs' property was flooded by torrential rain and incurred more than $80,000 in damages. Id. ¶ 14. Plaintiffs submitted a claim for the damage, first under their Homeowners' Policy, then under their…