ÿWPC  …# VUNa %¯ 0GµUDü4@ T c w@k E« 0‹­ 0D8 0J| 0TÆ 0^ 0hx 0rà 0|R 0†Î 0T 1uä U,Y 0d…U,é BU>2B)pDC™ D3Ü AMU*\ 0@† Ʋær˜v~ vÓˆ AO[ƪ 0Dp D/´ Bã˜HP LaserJet 4Si/4SiMX PS 600dpiPSCRIPTÀÌÀääÀÀÌ0 (ÖÃ9 Z ‹6Times New Roman RegularX(}Ñ$¡¡Ô€XæXXXÔ8ëu $Z,Century-WP Regular;p‚ 3|xm  0 ¤e1 e2 eL N R ^ ` Da Ó€m (;(3´V$¤¤Ý ƒ}Ñ!ÝÔ€Xæ6XXXÔÝ  Ýà  àòòÚ  Ú0Ú  Úóó(#Ã$òòÚ  Ú0Ú  Úóó2 ÿÿ0Indent1Ô2ÔÔ3  Ô2" ÿÿ0Indent2à0 àÔ2ÔÔ3  Ô2, ÿÿ0Indent3à0 àà0 àÔ2ÔÔ3  Ô26 ÿÿ0Indent4à0 àà0 àà0 àÔ2ÔÔ3  Ô2@ ÿÿ0Indent5à0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2J ÿÿ0Indent6à0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2T ÿÿ0Indent7à0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2^ ÿÿ0Indent8à0 àà0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô ÿÿ?AGMSYaioIndent0I.A.1.a.(1)(a)i)a)< Œ 9p`(ModernP ÿÿ8Mac DefaultMac DefaultÓ ` °šXÓ< Œ 9p`(Monaco d< Œ 9p`(&Times New Roman% Line 7 d((((7Border 1dd&&&&'ÿÿdxd€-)Cþÿ << Gÿÿ< Œ 9p`(Arial("ÿÿ$££Ò  ÒÒ  Ò Ý ƒ!ÝÑ#€d#ÑÔ€ÔÔ€'ÔÝ  ÝÔ€,ÔÔ€,ÔÓ  ÓÔ YYY ÔFILEDÔ€,XÔÌÌò òMay€21,€1996ÌÌCecil€Crowson,€Jr.ÌÔ€,ôÔAppellate€Court€Clerkó ó ¨Ý ƒ!ÝÑ#€d#ÑÔ€ÔÔ€'ÔÝ  ÝÝ ƒ $Ýà àòòÚ  ÚÚ  ÚóóÝ  ÝÔ€Ôò òRule€10(b)€(Court€of€Appeals).€€òòMemorandum€Opinionóóó ó.€€TheÏCourt,€à0 àwith€the€concurrence€of€all€judges€participating€in€the€case,Ïmay€affirm,€reverse€or€modify€the€actions€of€the€trial€court€byÏmemorandum€opinion€when€a€formal€opinion€would€have€noÏprecedential€value.€€When€a€case€is€decided€by€memorandumÏopinion€it€shall€be€designated€ð ðMEMORANDUM€OPINION,ðð€shallÏnot€be€published,€and€shall€not€be€cited€or€relied€on€for€anyÏreason€in€a€subsequent€unrelated€case.€€Ì hÝ ƒ!ÝÑ#€d#ÑÔ€ÔÔ€'ÔÝ  ÝÝ ƒ $Ýà àòòÚ  ÚÚ  ÚóóÝ  ÝÔ€ÔAlthough€Homer€Sowell,€d/b/a€H/S€Construction,€was€named€as€aÏparty€in€à0 àthe€complaint,€there€is€no€evidence€in€the€record€that€SowellÏmade€an€appearance€in€this€action.€€In€its€order€granting€StateÏAutoððs€motion€to€dismiss€and€Beth€Brooksðð€motion€for€summaryÏjudgment,€the€trial€court€held€that€because€there€was€no€justÏreason€for€delay€or€entry€of€a€final€judgment,€its€judgment€wasÏmade€final.€€T.R.C.P.€54.02.ÌPtPtHHÚ(ÿáÿâùFG(üHHÚ(d'@Styl{WP}01•ÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃà Ãà Ãà Ãà Ãà ÃÃÃÃÃÃÃÃÃÃÃÐ ÐÐHHÐÐ  ÐÐ2ÐÐÿÿ¸æ$ÿÐÐHHÐÐÐÐÐÐÐÐ  ÐÐ ÐÐ ÐÑÑÑGenevaÑÑ ÑÑ € ÑÑ<Px–ÈÑÒÒÒ443!#4ÒÒ$ *$ÒÒ$*$ÒÒ ÿKK ÒÒ  Geneva ÒÒ  Geneva ÒÓ.,ÓÓÓÓ6ÓÓ ÓßßßßßßßßßßßßßßßßßßÑMonacoÑÑ ÑÒ  BA Op Monaco ÒÒ  BA Op Monaco Ò€-‚ƒCþÿ<< CÿÿƒLevel 1Level 2Level 3Level 4Level 5($$””ò òÚ  Ú1Ú  Úó ó„„'÷ÿ dxdüÿP PdÝ ƒ!ÝÔ . ÔÔ€ÔÓ&€%%X„d&ÓÑ#€%%Xd#ÑÔ€'ÔÝ  ÝÑ\R AØ'\Ñ›Ñ7€æ6XXdìdÈ7ÑÔ€ÔÓ  ÓÒ  ÒÒ £ ÒœIN›€THE€COURT€OF€APPEALS€OF€TENNESSEEÌWESTERN€SECTION€AT€JACKSONÌÓ  Ó_____________________________________________________________________________ÌÌINDEPENDENCE€ONE€MORTGAGEà àShelby€Chancery€No.€104765„1ÌCORPORATION,€€€€€€€€€à àà àà àC.A.€No.€02A01„9511„CH„00255ÌÌ€€€€€€€€Plaintiff/Appellant,€€€€€€€€à àà àHon.€Neal€Small,€Chancellor€ÌÙ€€ÙœßL€+.);+'h|²ÿK` Å `€€Lß›€€€€€€€€€€€à à€€€à àà àà àà àà àÌv.€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€ÌÌSTATE€AUTO€INSURANCE€COMPANIES,ÌBETH€BROOKS,€ATTORNEY,€ANDÌHOMER€SOWELL,€d/b/a€H/S€CONSTRUCTION,Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€Ìà àDefendants/Appellees.ÌÌARNOLD€M.€WEISS€and€ERICH€W.€MERRILL,€Memphis,ÌAttorneys€for€Appellant.ÌÌBRIAN€A.€WAMBLE,€Shuttleworth,€Smith,€McNabb€&€Williams,€Memphis,ÌAttorney€for€Appellee€State€Auto€Insurance€Companies.€€ÌÌJAMES€L.€KIRBY,€Harris,€Shelton,€Dunlap€&€Cobb,€Memphis,ÌAttorney€for€Appellee€Beth€Brooks.€ÌÌò òòòAFFIRMEDÌóóó óÌOpinion€Filed:Ì____________________________________________________________________________ÌÌà@ àMEMORANDUM€OPINION× ƒ/ ××  ×ÌÌßA€& ) °°xdE¯-AßÌò òÌTOMLIN,€Sr.€J.ó óÌÌÓ  ÓÓÓà àIndependence€One€Mortgage€Corporation€(ð ðplaintiffðð)€has€appealedÏfrom€an€order€of€the€Chancery€Court€of€Shelby€County€granting€both€theÏmotion€to€dismiss€of€State€Auto€Insurance€Companies€and€the€motion€forÏsummary€judgment€of€Beth€Brooks€(ð ðdefendantsðð€or€by€name).× ƒ0 ××  ×€€The€soleÏissue€presented€by€plaintiff€on€appeal€is€whether€the€trial€court€erred€inÏholding€that€State€Auto€owed€plaintiff€no€duty€to€pay€it€damagesÏresulting€from€a€breach€of€a€construction€contract€between€a€third€partyÏand€the€estate€of€plaintiffððs€insured.€€We€find€no€error€and€affirm.ÌÌ›à àBefore€proceeding€we€are€constrained€to€observe€that€althoughÍplaintiff€appealed€from€the€trial€courtððs€order€dismissing€bothÏdefendants,€plaintiff€raised€no€issue€in€its€brief€before€this€courtÏconcerning€defendant€Brooks,€nor€did€it€contend€in€any€way€that€the€awardÏof€summary€judgment€in€favor€of€Brooks€should€be€reversed.€€In€light€ofÏthese€deficiencies,€we€treat€the€appeal€as€to€Brooks€to€have€beenÏabandoned€and€any€claim€for€relief€waived.€€T.R.A.P.€13(b);€òòBank€ofÏCrockett€v.€Cullipheróó,€752€S.W.2d€84,€86€(Tenn.€App.€1988).ÌÌà àInasmuch€as€plaintiffððs€suit€against€State€Auto€was€dismissed€byÏthe€trial€court€upon€State€Autoððs€motion€for€failure€to€state€a€claim,€inÏconsidering€the€issue€presented€on€appeal€we€are€required€to€take€theÏallegations€of€plaintiffððs€complaint€as€true,€and€to€construe€themÏliberally€in€favor€of€plaintiff.ÌòòPemberton€v.€American€Distilled€Spirits€Co.óó,€664€S.W.2d€690,€691€(Tenn.Ï1984).Ìà8 àÌà àFollowing€the€above€guideline,€the€amended€complaint€of€plaintiffÏpresents€the€following€facts:€Prior€to€this€litigation,€plaintiff€was€theÏholder€of€a€promissory€note€in€the€principal€amount€of€$31,245.19,€whichÏwas€secured€by€a€first€lien€against€real€estate€located€at€3643€Big€BendÍin€Memphis.€€The€note€and€mortgage€was€signed€by€Cordia€Johnson,€whoÏwas€the€owner€of€the€real€estate.€€The€residence€on€the€property€wasÏinsured€against€fire€loss€by€an€insurance€policy€issued€by€State€Auto,Ïwhich€named€plaintiff€as€an€additional€insured.ÌÌà àOn€April€3,€1991€the€residence€was€severely€damaged€by€fire.€ÏCordia€Johnson€died€in€this€fire.€€Sandra€Ingram€was€appointedÏadministratrix€of€Johnsonððs€estate.€€Homer€Sowell,€d/b/a€H/SÏConstruction,€submitted€a€proposal€to€repair€the€premises€at€3643€BigÏBend€to€Sandra€Ingram,€as€administratrix,€which€she€accepted€onÏSeptember€17,€1991.€€The€total€amount€to€be€paid€to€H/S€ConstructionÏunder€this€contract€by€the€estate€of€Cordia€Johnson€was€$54,023.00,Ïwhich€was€to€be€paid€in€three€parts:€one„third€upon€completion€of€tear€outÏand€clean€up;€one„third€upon€completion€of€the€framing,€roofing,€andÏsheetrock;€and€the€œremaining€one„third€was€due€upon€completion€of€theÏjob.ÌÌà àAt€some€point€following€the€execution€of€this€contract€of€repair,ÏState€Auto€issued€checks€totaling€$53,544.00€to€Beth€Brooks,€theÏattorney€representing€the€estate€of€Cordia€Johnson.€€The€checks€wereÍmade€payable€to€the€Estate€of€Cordia€Johnson,€Beth€Brooks,€attorney,€andÏH/S€Construction.€€Beth€Brooks€paid€all€of€the€funds€to€H/S€ConstructionÏin€a€manner€contrary€to€the€terms€of€the€contract,€and€before€H/SÏConstruction€had€performed€half€of€the€construction€work€required€toÏrepair€the€premises.€€After€receiving€payment€in€full€from€Brooks,€H/SÏConstruction€refused€to€perform€any€further€repair€work.€€In€order€toÏprotect€its€mortgage€on€the€property,€plaintiff€was€required€to€hireÏanother€contractor€to€complete€the€construction€work€to€repair€the€fireÏdamage€to€the€property,€at€a€cost€to€plaintiff€of€$23,649.25.ÌÌà àPlaintiff€contends€that€it€entered€into€an€agreement€with€StateÏAuto€under€which€State€Auto€agreed€to€pay€for€all€reconstruction€of€theÏresidence€located€on€the€insured€premises,€and€was€thereby€obligated€toÏcomply€with€the€terms€of€the€construction€contract€between€H/SÏConstruction€and€the€administratrix€of€the€Johnson€estate.€€This€contractÏas€alleged€by€plaintiff€emanated€from€a€letter€written€to€counsel€forÏState€Auto€by€an€assistant€vice„president€of€plaintiff,€which€reads€inÏpertinent€part€as€follows:ÌÌÓÓà8 àIn€consideration€of€the€agreement€of€State€Auto€InsuranceÍCompanies€to€continue€funding€reconstruction€of€the€homeÏlocated€at€3643€Big€Bend,€Memphis,€Tennessee,€38116,€andÏfurther€in€consideration€of€State€Autoððs€forbearance€to€file€anÏinterpleader€action,€the€undersigned€authority€forÏIndependence€One€Mortgage€Corporation,€agrees€to€on€behalf€ofÏIndependence€One€Mortgage€Corporation,€to€hold€harmlessÏState€Auto€from€any€costs,€loss,€expenses,€deficiency€or€otherÏliability€that€may€be€associated€with€any€deficiency€orÏshortage€upon€foreclosure€by€the€undersigned€on€thisÏpremises.ÌÌà8 àWe€expressly€agree€and€understand€that€State€Auto€owes€us€noÏduty€other€than€to€fund€the€balance€of€construction€of€theÏhome€pursuant€to€its€contract€with€the€insured,€the€Estate€ofÏCordia€Johnson.ÌÌÌà àÌÓÓà àTaking€all€of€the€above€allegations€in€plaintiffððs€complaint€as€true,Ïwe€are€of€the€opinion€that€plaintiff€has€failed€to€state€a€claim€upon€whichÏrelief€can€be€granted€against€State€Auto.€€The€obvious€breach€of€theÏconstruction€contract,€either€negligently€or€intentionally,€was€the€failureÏof€the€administratrix€of€Johnsonððs€estate€and€her€attorney€to€comply€withÏthe€payout€provisions€of€the€contract.€€State€Auto€never€was€a€party€toÏthe€construction€contract€between€H/S€Construction€and€JohnsonððsÏestate,€nor€is€there€any€allegation€whatsoever€that€State€Auto€was€awareÏof€the€payout€provisions€of€this€contract.ÌÌà àThe€only€contract€State€Auto€had€with€Cordia€Johnson€and€with€herÍpersonal€representative€following€her€death€was€its€contract€ofÏinsurance.€€This€contract€of€insurance,€which€is€not€in€the€record,€insuredÏthe€premises€against€fire€loss.€€The€policy€did€not€require€State€Auto€toÏfund€the€construction€in€any€particular€increments,€nor€did€it€requireÏState€Auto€to€instruct€the€estateððs€attorney€how€to€manage€the€affairs€ofÏthe€estate.€€We€repeat€the€following€language€from€the€ð ðcontractðð€reliedÏupon€by€plaintiff:ÌÌÓÓà8 àWe€[plaintiff]€expressly€agree€and€understand€that€State€AutoÏowes€€[plaintiff]€no€duty€other€than€to€fund€the€balance€ofÏconstruction€of€the€home€òòpursuant€to€its€contract€with€theÏinsured,€the€Estate€ofóó€òòCordia€Johnsonóó.€€(emphasis€added).ÌÌÌÌÓÓThere€is€no€allegation€that€State€Auto€did€not€comply€with€the€terms€ofÏthe€only€contract€to€which€it€was€a€partyð"ðits€insurance€policy€issued€toÏCordia€Johnson.€€We€find€this€issue€to€be€without€merit.ÌÌÌÌÌà àAccordingly,€the€judgment€of€the€trial€court€is€affirmed.€€Costs€inÍthis€cause€on€appeal€are€taxed€to€plaintiff,€for€which€execution€may€issueÏif€necessary.€€ÌÌÓÓà àà àà àà àà àà à__________________________________________Ìà àà àà àà àà àà àTOMLIN,€Sr.€J.ÌÌÌÌà àà àà àà àà àà à__________________________________________Ìà àà àà àà àà àà àFARMER,€J.à àà àà à(CONCURS)ÌÌÌÌà àà àà àà àà àà à__________________________________________Ìà àà àà àà àà àà àLILLARD,€J.à àà àà à(CONCURS)ÌÌà à