ÿWPC  q’Ê2&ß}¼ ¡é ¥Oç¸ $àc7=%©œ_ÈÍÞ‡·zN R'J‘Ý*ÜŠ¡5u7«±«ÿÀº÷m¡Á˜1H#fË6qB¹`í¶CoU»‚‡£‚9ÑÇ"í.€æ?Ý·]ÝÛEÁæÈ­"'Žz ‘|œ‹²Ž›xßQÄ)]žiYÜÏ"¨géO«W¯âæÛ¾—É/5‹‚éЈ&5òNwôÍ™‰tJÚ"¯öêûU¿'D:œÜÔ#9¾è¬§Ë©¸%G¢ÊçN¾i‡ŽŽ ÆoÃ{+Oz3gÛhjlrÎrò'U¨ƒ`¦s„yj>ŸÇpa¦<Ù[d±ºê—iG¸~@hªrPÅ^¾ïŠ5¥™¹o´‚¯®Z¶—§›M—Z§¶Ä`Ÿc`56ª<šç-\Ð5s•Û—®Ÿ!¿‘×áÍ“÷·¹ƒ'ÓC^.V”¤lãç¢wèˆ%*:Þ‚Ò&”ÒÃ4{gúCܵ5&Fš|‘gHíFL&!Œ[´L,~-÷›‹ÐÒ}5£ ë‰ *í=ìs)Øiiˆ£]ÒM‘W{À6Üɲ -Wl #éjs+´EŸ]+t­Q$ÂõûÉ mN?ƒP ¿ÃCô»qµìœ)# >U NI %— 0(w@Å4UN( 0lv 0Dâ&& AQ.UNUNÍUNiU:k ¥ U:§ § § § § § § § § § § Bá Æþ 0DÄ 0D 0DL L D/ B¿ D3Ü ˜HP LaserJet 4000 Series PCL 6HPBXLBÈÈÈÈÈÈÈÈ0nLlÎ(ÈhH  Z 6Times New Roman RegularX($¡¡ Å Æ EÇ DÈ [É Ê Ë Ì Ó€Ö Ù n~<$TdBddX3|xÙ (ÈhH  Z ‹6Times New Roman Regular((3üÝ$¤¤Ý ƒ!ÝÝ  Ýà  àòòÚ  Ú0Ú  Úóó(#Ã$òòÚ  Ú0Ú  Úóó !"#%Cþÿ<< Cÿÿ(ÈhH  Z 6Times New Roman Regular(ÈhH  Z 6Times New Roman Regular(ÈhH  Z 6Times New Roman Regular øÝ ƒ!¯"ÝÝ  ÝÔ€Xg{XXXÔÔ€©—XXg{ÔÓ  Óò òÔ Ad ÔFILEDÔ€Xg{X©—ÔÐ  ÐÌJuly€26,€1999ÌÌCecil€Crowson,€Jr.ÌAppellate€Court€ClerkÔdAhÔó ó,–ûyAZ‹"Arial Regular øÝ ƒ!¯"ÝÝ  ÝÔ€Xg{XXXÔÔ€©—XXg{ÔÓ  Óò òÔ Ad ÔFILEDÔ€Xg{X©—ÔÐ  ÐÌJuly€23,€1999ÌÌCecil€Crowson,€Jr.ÌAppellate€Court€ClerkÔdAhÔó ó,–ûyAZ‹"Arial Regular dƒLevel 1Level 2Level 3Level 4Level 5(3¯$¢¢Ý ƒ!ÝÝ  Ý(3¯$££Ý ƒ!ÝÝ  Ý($$””ò òÚ  Ú1Ú  Úó ó'''÷ÿ dxdüÿP Pd'ÿÿdxdÝ ƒ!ÝÝ  ÝÑTR[¤ AØ'ÿ Legal3Ø' AØ'ÿ Legalÿ3Ø'TÑÑ  ÑÓ  ÓÑ7€ÓÉXXdæXXdæ7ÑñÖ ññÌ ñßr€ (<,(j 8` `€€@Eȱ` ttx0°ð árßñÌ ññÖ ññÙ ññÖ ñßr€ (<,(j 8` `€€@Eȱ` ttx0°ð árßñÖ ññÙ ññÙ ññÙ ñà@} } ìàò òIN€THE€COURT€OF€APPEALS€OF€TENNESSEEˆÌñÙ ñßt€ (>.*jx*Ä` `€€@EòZ` ttx0*–æ ¤ tßñÙ ñà@jj%ìàAT€JACKSONˆÌ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€òò€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€Ð |Ì ÐÌóóÌTENNESSEE€FARMERS€MUTUAL€à À à)Ð . ~ ÐINSURANCE€COMPANY,€€€€€€€à h àà À à)Ð  d Ðà  àà ` àà ¸ àà  àà h àà À à)Ìó ó€€€€€€€€€€€Plaintiff/Appellant,à  àà h àà À àò ò)à  àó óGibson€Circuit€No.€7405€€€€€€€€€Ð à 0 Ðà  àà ` àà ¸ àà  àà h àà À àò ò)Ð Æ   Ðv.à  àà ` àà ¸ àà  àà h àà À à)Ð ¬ ü  Ðà  àà ` àà ¸ àà  àà h àà À à)à  àó óAppeal€No.€02A01„9711„CV„00284ò òÐ ’â  ÐMATTIE€BRADFORD,€NOLAN€€€€à À à)Ð xÈ  ÐBRADFORD€and€wife,€JACKIE€€€€€€à À à)Ð ^®  ÐBRADFORD,à ¸ àà  àà h àà À à)Ð D”  Ðà  àà ` àà ¸ àà  àà h àà À à)Ìà  àó óDefendants/Appellees.à h àà À àò ò)Ð ` Ðó óÌÌà0  àà ° àà@n n ì(#(#àAPPEAL€FROM€THE€CIRCUIT€COURT€OF€GIBSON€COUNTYˆÌà@ ìàAT€TRENTON,€TENNESSEEà@@ìì*ìàˆÌÌÌà@Ð Ð ìàTHE€HONORABLE€DICK€JERMAN,€JR.,€JUDGEˆÌòòÌÌÌFor€the€Plaintiff/Appellantóó:òòà  àà h àà À àFor€the€Defendants/Appelleesóó:òòÐ òB Ðóóà  àà ` àà ¸ àà  àà h àà À àÌCharles€L.€Trotter,€Jr.€à  àà h àà À àBill€R.€Barron€€Ð ¾ ÐHuntingdon,€Tennessee€€€€à  àà h àà À àJ.€Mark€Johnson€Ð ¤ô Ðà  àà ` àà ¸ àà  àà h àà À àTrenton,€TennesseeÌÌà  àà ` àà ¸ àà  àà h àà À àJames€Belew€WebbÌà  àà ` àà ¸ àà  àà h àà À àMilan,€TennesseeÌ€€€€€€€€€€€€€€€€€€€€ÌÌÌÌò òà  àà ` àà ¸ àà  àà h àà À àAFFIRMEDó óÐ º' #' ÐÌÌÌà  àà ` àà ¸ àà  àà h àà À àHOLLY€KIRBY€LILLARD,€J.ÌÌÌCONCUR:ÌÌW.€FRANK€CRAWFORD,€P.J.,€W.S.òòÐ Ð/ +0 ÐÌóóDAVID€R.€FARMER,€Jòò.€Ð œ1ì,2 Ðóó€Ð ‚2Ò-3 ÐòòÐ  h3¸.4 ÐØØÑ7€ÓÉXXdæXXdæ7ÑÑ  Ñà@55'ìàò òóóOPINIONòòó óˆÐ ° Ðóó›ÌÓÓà  àThis€is€a€declaratory€judgment€action€brought€by€an€insurance€company€under€a€homeownerððsÏpolicy€against€the€insured,€as€well€as€her€son€and€her€daughter„in„law.€€The€insuredððs€house€wasÏdamaged€by€fire.€€The€insurance€company€contended€that€the€fire€was€intentionally€set.€€TheÏinsurance€company€alleged€that€the€insured€failed€to€cooperate€with€the€investigation€by€decliningÏto€direct€her€son€and€daughter„in„law€to€submit€to€an€examination€under€oath,€and€also€contendedÏthat€the€son€and€daughter„in„law€were€required€to€submit€to€examination€under€œoath.€€The›€insuranceÏcompany€filed€a€motion€for€leave€to€file€a€third„party€complaint€against€the€son€and€daughter„in„law.€Ï€The€trial€court€denied€the€insurance€companyððs€motion€for€leave€to€file€a€third€party€complaint,Ïgranted€a€motion€to€dismiss€in€favor€of€the€son€and€daughter„in€law,€and€granted€the€insuredððs€motionÏfor€summary€judgment.€€We€affirm.Ìà  àTennessee€Farmers€Mutual€Insurance€Company€(ð ðTennessee€Farmersðð)€issuedÏDefendant/Appellee€Mattie€Bradford€(ð ðMattieðð)€a€homeownerððs€policy€providing€coverage€for€herÏhome,€located€at€72€Trenton€Highway,€in€Bradford,€Tennessee.€€The€policy€period€extended€fromÏDecember€12,€1995,€to€December€12,€1996.€€The€policy€provided:ÌÒ°ÒÒ°ÒÓÓPERILS€WE€INSURE€AGAINSTÌWe€cover€direct€loss€to€property€insured€under€the€Dwelling,€Other€Structure€andÏPersonal€Property€Coverage€caused€by:Ì1.€òòFire€œor›€LighteningóóÐ V"¦! ÐÌà ` àà ¸ àà  àà h à*€*€*ÌEXCLUSIONS:ÌWe€do€not€cover€loss€resulting€directly€or€indirectly€from:€.€.€.€.Ì8.€œAny›€œaction,€other€than€accidental,€committed€by€at€the€direction€of€anyòò€insuredÐ Ô&$"& Ðpersonóó€resulting€in€a€loss€or€with€the€intent€to€cause€a€loss.€€òòWeóó€do€not€cover€such€lossÐ º' #' Ðfor€òòyouóó€or€any€òòinsured€personóó.€€Ð  (ð#( ЛÌà ` àà ¸ àà  àà h à*€*€*à À àÐ l*¼%* ÐOur€Right€To€Recover€PaymentÌAfter€making€payment€under€this€Policy,€òòweóó€will€have€the€right€to€recover€to€theÐ 8,ˆ', Ðextent€of€òòouróó€payment€from€anyone€held€responsible€.€.€.€.€€Ð -n(- ÐÒ°ÒÒ°ÒÓ ÓÓÓÌÓÓ(emphasis€in€original).Ìà  àOn€August€19,€1996,€the€home€was€damaged€by€fire.€€At€the€time€of€the€fire,€Mattie€wasÏtemporarily€residing€in€a€retirement€home€in€Trenton,€Tennessee,€and€had€planned€to€return€home.Ìà  àOn€December€14,€1989,€prior€to€the€fire€loss,€Mattie€executed€a€durable€power€of€attorneyÏappointing€her€son,€Defendant/Appellee€Nolan€Bradford€(ð ðNolanðð)€as€her€attorney€in€fact.€€œOn›ÏMattieððs€behalf,€after€the€fire,€Nolan€submitted€a€proof€of€loss€statement€and€a€ð ðpersonal€propertyÏinventoryðð€list€to€Tennessee€Farmers.€€Mattie€also€provided€Tennessee€Farmers€with€a€supplementalÏproof€of€loss.€€After€a€request€from€Tennessee€Farmers,€Mattie€submitted€to€an€examination€underÐ ~;Î6= Ðoath,€pursuant€to€the€terms€of€her€homeownerððs€policy.€€On€September€10,€1996,€Tennessee€FarmersÏtook€recorded€interviews€from€Nolan€and€his€wife,€Defendant/Appellee€Jackie€Bradford€(ð ðJackieðð).ÏTennessee€Farmers€demanded€that€Nolan€and€Jackie€also€submit€to€an€examination€under€oath.€€OnÏNovember€11,€1996,€Nolan€arrived€for€the€examination€but€Jackie€did€not.€€Tennessee€FarmersÏrefused€to€examine€Nolan€under€oath€in€his€wifeððs€absence.€€Ìà  àOn€March€4,€1997,€Tennessee€Farmers€filed€a€declaratory€judgment€action€against€Mattie,ÏNolan,€and€Jackie€seeking€a€determination€of€the€rights€and€obligations€of€the€parties€under€theÏpolicy.€€Tennessee€Farmers€alleged€that€the€fire€was€intentionally€set€and€that€ð ðone€or€more€of€theÏdefendants€had€opportunity€to€set€the€fires€and€motive€to€do€so.ðð€€Tennessee€Farmers€asserted€thatÏNolan,€by€submitting€forms€to€Tennessee€Farmers€on€behalf€of€Mattie,€and€Jackie,€by€entering€theÏpremises€and€obtaining€personal€property€of€Mattieððs,€acted€as€agents€on€Mattieððs€behalf.€€As€ÏMattieððs€agents,€Tennessee€Farmers€contended€that€Nolan€and€Jackie€had€a€duty€under€the€policy€toÏcooperate€with€Tennessee€Farmersðð€investigation€of€the€fire€and€that€they€breached€this€duty€byÏfailing€to€submit€to€examination€under€oath.€€Tennessee€Farmers€further€alleged€that€Mattie€breachedÏthe€duty€of€good€faith€and€fair€dealing€by€refusing€to€instruct€Nolan€and€Jackie€to€submit€toÏexamination€under€oath.Ìà  àOn€March€10,€1997,€Nolan€and€Jackie€filed€a€motion€to€dismiss€pursuant€to€Rule€12€of€theÏTennessee€Rules€of€Civil€Procedure,€asserting€that€they€were€not€œñ ñnañ ññà ñmed€insuñà ññ ñ›insuñ ññÄ ññ ñ€€ñ ññÄ ñredñÅ ñsñÅ ñ›€under€the€policyÏissued€to€Mattie€and€that€the€policy€required€only€an€insured€to€submit€to€examination€under€oath.€ÏOn€April€28,€1997,€Mattie€filed€an€answer€to€the€complaint€for€declaratory€judgment€and€aÏœcounterñÆ ñ„ñÆ ñclaim›€seeking€damages€for€Tennessee€Farmersðð€refusal€to€pay€for€the€œloss,€including€a€25%Ïpenalty€for€Tennessee€Farmers€bad€faith€refusal€to€pay€the€claim€pursuant€to€Tennessee€CodeÏAnnotated€ðð€56„7„105(a)ñÇ ñ,ñÇ ñ.›€€Mattie€also€filed€a€motion€to€œdismiss,›€arguing€that€the€policy€required€onlyÏthat€she€submit€to€an€examination€under€oath,€which€she€had€done,€and€that€consequently€she€wasÏentitled€to€be€compensated€for€her€loss€under€the€policy.€€On€June€12,€1997,€Mattie€filed€two€motionsÏfor€summary€judgment,€along€with€an€affidavit,€asserting€that€she€had€complied€with€the€terms€ofÏâ âthe€policy€and€that€she€had€no€duty€to€instruct€Nolan€and€Jackie€to€submit€to€examinations€underÐ P7 26 Ðoath.€€Mattie€also€argued€that€she€was€entitled€to€summary€judgment€on€her€counterclaim€againstÏTennessee€Farmers.Ìâ âà  àOn€June€25,€1997,€Nolan€and€Jackie€filed€a€motion€for€a€protective€order€to€preventÏTennessee€Farmers€from€inquiring€into€their€alleged€marital€problems€and€financial€condition€inÏorder€to€prove€a€motive€for€destroying€Mattieððs€home.€€Tennessee€Farmers€filed€an€answer€toÏMattieððs€counterclaim,€a€motion€to€amend€the€complaint€for€declaratory€judgment,€and€a€motion€forÏpermission€to€file€a€supplemental€œpleading.€€In€its€motion€to€amend€its€complaint,€Tennessee€FarmersÏset€forth€amended€language€to€a€policy€exclusion€which€was€in€effect€at€the€time€of€the€fire.€€TheÏamended€exclusion€provides:€ð ðAny€action€other€than€accidental,€committed€by€or€at€the€direction€ofÏany€insured€person€resulting€in€a€loss€or€with€the€intent€to€cause€a€loss.€€We€do€not€cover€such€a€lossÏfor€you€or€any€insured€person.ðð€€Tennessee€Farmers€supplemental€complaint€alleges€that€the€proofÏof€loss€statement€submitted€by€Mattie€was€ð ðpretextualðð€and€designed€to€prevent€Tennessee€FarmersÏfrom€investigating€Nolan€and€Jackieððs€alleged€role€in€the€fire.€€On›€July€14,€1997,€Nolan€and€JackieÏsigned€affidavits€stating€that€the€statements€in€their€recorded€interviews€given€to€Tennessee€FarmersÏwere€true€and€correct.€€Subsequently,€Tennessee€Farmers€filed€a€motion€for€summary€judgmentÏasserting€that€they€were€entitled€to€a€judgment€on€all€issues.Ìœà  àIn›€its€motion€for€summary€judgment,€Tennessee€Farmers€described€the€statements€given€byÏNolan€and€œJackie.€€Tennessee€Farmers€alleged€that€both€Jackie€and€Nolan€had€a€key€to€MattieððsÏhouse,€that€Jackie€had€incurred€substantial€credit€card€debt€in€the€past€which€was€discharged€inÏbankruptcy,€that€Nolan€had€utilized€the€power€of€attorney€executed€by€Mattie€to€change€some€of€herÏcertificates€of€deposit€to€his€name,€and€that€Jackie€admitted€being€in€Mattieððs€home€at€2:00€p.m.€onÏthe€day€of€the€fire.€€Tennessee€Farmers€asserted€that€the€fire€was€reported€by€an€unknown€person€atÏ2:36€p.m.€after€Jackie€left,€and€that€evidence€indicated€clearly€that€the€fire€was€deliberately€set.Ìà  àIn€its€motion,€Tennessee€Farmers€did€not€allege€that€Mattie€participated€in€setting€fire€to€herÏhome.€€Rather,€Tennessee€Farmers€alleged€that€she€had€a€duty€under€the€policy€to€ð ðrequireðð€her€sonÏand€daughter„in„law€to€submit€to€examination€under€oath€by€Tennessee€Farmers,€and€that€her€refusalÏto€do€so€precluded€her€from€recovering€for€her€loss€under€the€policy.€Ìà  àOn€July€21,€1997,€the€trial€court€conducted€a€hearing€regarding€the€numerous€pendingÏmotions.€€In€an€order€filed€September€3,€1997,€the€trial€court€granted€Nolan€and€Jackieððs€motion€toÐ 09€48 Ðdismiss€for€failure€to€state€a€claim.€€Having€dismissed€the€case€as€to€Nolan€and€Jackie,€the€trial€courtÏdeemed€moot€their€motions€relating€to€discovery.€€The€trial€court€also€granted€Tennessee€FarmersÏpermission€to€file€a€supplemental€pleading€and€amend€the€complaint€for€declaratory€judgment.€ÏFinally,€the€trial€court€found€that€it€was€premature€to€hear€Mattieððs€motion€to€dismiss€and€motion€forÏsummary€judgment,€as€well€as€Tennessee€Farmersðð€motion€for€summary€judgment;€these€were€heldÏin€abeyance.€Ìà  àOn€October€2,€1997,€Tennessee€Farmers€filed€a€motion€for€leave€of€court€to€file€a›€third€partyÏcomplaint€against€Nolan€and€œJackie,›€alleging€that€the€fire€ð ðwas€set€by,€or€with€the€connivance,Ïacquiescence€and€consent,€of€either€or€both€.€.€.€Nolan€.€.€.€and€.€.€.€Jackie€who€alone€or€together€hadÏthe€motive€and€opportunity€to€do€so.ðð€€Tennessee€Farmers€renewed€its€allegation€that€Nolan€andÏJackie€were€agents€of€Mattie€and€owed€Tennessee€Farmers€a€duty€of€cooperation€under€the€policy.Ìà  àThe€trial€court€conducted€a€second€hearing€on€October€6,€1997.€€Although€the€record€doesÏnot€contain€this€order,€the€trial€court€filed€an€order€on€October€14,€1997.€€Tennessee€Farmers€thenÏfiled€an€Application€for€Extraordinary€Appeal€to€this€Court€under€Rule€10€of€the€Tennessee€RulesÏof€Appellate€Procedure€asserting€that€the€October€14,€1997,€order€was€not€a€final€order€because€it€hadÏnot€been€entered€in€accordance€to€Rule€58€of€the€Tennessee€Rules€of€Civil€Procedure.€€This€CourtÏgranted€Tennessee€Farmersðð€Rule€10€motion,€finding€that€the€trial€courtððs€order€was€defectiveÏbecause€it€did€not€contain€the€signature€of€Tennessee€Farmersðð€counsel€and€a€certificate€of€serviceÏas€required€by€Rule€58€of€the€Tennessee€Rules€of€Civil€Procedure.€€This€Court€also€found€that€theÏOctober€14,€1997,€order€was€not€a€final€order€because€it€did€not€contain€the€ð ðmagic€languageððÏrequired€by€Rule€54.02€of€the€Tennessee€Rules€of€Civil€Procedure,€which€requires€ð ðthat€there€be€anÏexpress€determination€that€there€is€no€just€reason€for€delay€and€that€there€be€an€express€direction€forÏentry€of€a€final€judgment.ðð€€ò òòòSee€óóó óTenn.€R.€Civ.€P.€œ54.02.›Ð ð-@), Ðà  àOn€January€œ20,›€1998,€Tennessee€Farmers€filed€a€motion€for€entry€of€a€final€judgment.€€OnÏMarch€6,€1998,€the€trial€court€entered€two€orders.€€In€the€first€order,€the€trial€court,€pursuant€to€RuleÏ54.02€of€the€Tennessee€Rules€of€Civil€Procedure,€finalized€the€interlocutory€rulings€of€the€July€21,Ï1997,€and€October€6,€1997,€hearings,€i.e.€the€orders€entered€on€September€3,€1997,€and€the€OctoberÏâ â14,€1997.€€In€its€second€order,€the€trial€court€held€that€Mattie€was€entitled€to€a€judgment€as€a€matterÐ P7 26 Ðof€law.€€The€trial€court€also€denied€Tennessee€Farmers€motion€for€leave€to€file€a€third€party€complaintÏagainst€Nolan€and€Jackie.€€From€this€order,€Tennessee€Farmers€now€appeals.Ìâ âà  àÔ‡X ðXXXÔOn€appeal,€Tennessee€Farmers€argues€that€the€trial€court€erred€(1)€in€granting€summaryÐ pÀ Ðjudgment€in€favor€of€Mattie;€(2)€in€granting€a€motion€to€dismiss€in€favor€of€Nolan€and€Jackie;€andÏ(3)€in€denying€Tennessee€Farmersðð€motion€to€amend€its€answer€and€file€a€third€party€complaintÏagainst€Nolan€and€Jackie.Ìà  àA€motion€for€summary€judgment€should€be€granted€when€the€movant€demonstrates€that€thereÏare€no€genuine€issues€of€material€fact€and€that€the€moving€party€is€entitled€to€a€judgment€as€a€matterÏof€law.€€Tenn.€R.€Civ.€P.€56.04.€€The€party€moving€for€summary€judgment€bears€the€burden€ofÏdemonstrating€that€no€genuine€issue€of€material€fact€exists.€€ò òòòBain€v.€Wellsó óóó,€936€S.W.2d€618,€622Ð à Ð(Tenn.€1997).€€On€a€motion€for€summary€judgment,€the€court€must€take€the€strongest€legitimate€viewÏof€the€evidence€in€favor€of€the€nonmoving€party,€allow€all€reasonable€inferences€in€favor€of€thatÏparty,€and€discard€all€countervailing€evidence.€€òòò òId.ó óóó€€In€ò òòòByrd€v.€Halló óóó,€847€S.W.2d€208€(Tenn.€1993),Ð 0€ Ðour€Supreme€Court€stated:ÌÓÓà8  àà8` Ð Ð àOnce€it€is€shown€by€the€moving€party€that€there€is€no€genuine€issueÏof€material€fact,€the€nonmoving€party€must€then€demonstrate,€byÏaffidavits€or€discovery€materials,€that€there€is€a€genuine,€material€factÏdispute€to€warrant€a€trial.€€In€this€regard,€Rule€56.05€[now€Rule€56.06]Ïprovides€that€the€nonmoving€party€cannot€simply€rely€upon€hisÏpleadings€but€must€set€forth€òòspecific€factsóó€showing€that€there€is€aÐ  #ð! Ðgenuine€issue€of€material€fact€for€trial.à8p` x` xàÐ$à"p p  Ðò òòòÌÓÓId.ó óóó€at€211€(citations€omitted)€(emphasis€in€original).Ð p&À!$ Ðà  àSummary€judgment€is€only€appropriate€when€the€facts€and€the€legal€conclusions€drawn€fromÏthe€facts€reasonably€permit€only€one€conclusion.€€ò òòòCarvell€v.€Bottomsó óóó,€900€S.W.2d€23,€26€(Tenn.Ð 0*€%( Ð1995).€€Since€only€questions€of€law€are€involved,€there€is€no€presumption€of€correctness€regardingÏa€trial€court's€grant€of€summary€judgment.€€ò òòòBainó óóó,€936€S.W.2d€at€622.€€Therefore,€our€review€of€theÐ ð-@), Ðtrial€courtððs€grant€of€summary€judgment€is€ñÈ ñò òñÈ ñòòde€novoñÈ ñó óñÈ ñóó€on€the€record€before€this€Court.€€ò òòòWarren€v.€EstateÐ Ð/ +. Ðof€Kirkó óóó,€954€S.W.2d€722,€723€(Tenn.€1997).Ð °1-0 Ðà  àTennessee€Farmers€argues€that€the€trial€court€erred€in€granting€summary€judgment€in€favorÏof€Mattie€and€argues€that€its€motion€for€summary€judgment€should€have€been€granted.€€It€contendsÏthat€Mattie€œfailed›€to€cooperate€with€œits›€œinvestigation›€by€refusing€to€direct€Nolan€and€Jackie€to€submitÏto€examination€under€œoath,€in€breach€of€her€duty€of€good€faith€and€cooperation€under€the€policy.›€Ð 09€48 ÐTennessee€Farmers€asserts€that€there€is€a€genuine€issue€of€material€fact€as€to€whether€Nolan€andÏJackie€were€acting€as€Mattieððs€agents.Ìà  àThe€language€in€an€insurance€policy€should€be€given€its€usual,€common,€and€ordinaryÏmeaning.€€ò òòòHarrell€v.€Minnesota€Mut.€Life€Ins.€Co.óóó ó,€937€S.W.2d€809,€814€(Tenn.€1996);€ò òòòsee€alsoÐ P   ÐTata€v.€Nicholsóóó ó,€848€S.W.2d€649,€650€(Tenn.€1993);€ò òòòNorthland€Ins.€Co.€v.€State€Farm€Mut.€AutoÐ 0 € МIns.€Co.óóó ó,›€916€S.W.2d€924,€928€(Tenn.€App.€œ1995).€€Ambiguous€language€in€the€policy€will€beÐ `  Ðconstrued€against€the€insurer€and€in€favor€of€the€insured.€€ò òòòHarrelló óóó,€937€S.W.2dñÉ ñ€atñÉ ñ€814.€€The›€policyÐ ð@  Ðprovides:€€Ô#†X ðXXX ðÏ9#ÔÐ Ð  ÐÒ°ÒÒ°ÒÓÓWhat€To€Do€In€Case€of€LossÌÌIf€a€covered€loss€occurs,€the€òòinsured€personóó€must:€.€.€.€.Ð à Ð(c)€make€a€list€of€all€damaged€or€destroyed€property,€showing€in€detail€quantities,Ïcosts,€actual€cash€value€and€amount€of€loss€claimed;Ì(d)€send€to€òòusóó,€within€60€days€after€loss,€the€above€list€and€a€proof€of€loss€signed€andÐ `° Ðsworn€to€by€the€òòinsured€personóó€.€.€.€.Ð P  Ð(f)€submit€to€examinations€under€oath€by€a€person€named€by€òòusóó€and€sign€theÐ @ Ðtranscript€of€the€examinations;€.€.€.€.€ÌÌÒ°ÒÒ°Ò(emphasis€in€œoriginal).€€›ÓÓThe€œpolicy›€requires€only€the€òòinsuredóó€to€submit€to€examination€under€oath.€Ð ` ÐThere€is€no€provision€in€the€policy€requiring€an€agent€or€intermediary€of€the€insured€to€submit€toÏexamination€under€oath.€€As€to€Mattie,€the€policy€contains€no€provision€indicating€a€duty€to€directÏa€third€person,€agent€or€otherwise,€to€submit€to€examination€under€oath.€€€Ìà  àThe€policy€œalso›€provides:ÌÒ°ÒÒ°ÒÓÓEXCLUSIONS:ÌWe€do€not€cover€loss€resulting€directly€or€indirectly€from:€.€.€.€.Ì8.€An€action€by€or€at€the€direction€of€an€òòinsured€personóó€committed€with€the€intent€toÐ P( #& Ðcause€a€loss.€€This€exclusion€does€not€apply€to€loss€sustained€by€an€òòinsured€personóóÐ @)$' Ðwho€does€not€participate€in€such€action€nor€have€knowledge€of€such€action.ÌÌà ` àà ¸ àà  àà h à*€*€*ÌConcealment€Or€FraudÌThis€entire€policy€is€void€as€to€the€òòinsuredóó,€if€an€òòinsured€personóó€has€intentionallyÐ ð-@), Ðconcealed€or€misrepresented€any€material€fact€or€circumstances€relating€to€thisÏinsurance,€or€acted€fraudulently€or€made€false€statements€relating€to€this€insurance.ÌÌà ` àà ¸ àà  àà h à*€*€*ÌœSection›€I€is€amended€by€deleting€Exclusion€8€in€EXCLUSIONS€and€replacing€it€withÏExclusion€8€below:Ì8.€€Any€action,€other€than€accidental,€committed€by€or€at€the€direction€of€anyòò€insuredÐ €4Ð/3 Ðpersonóó€resulting€in€a€loss€or€with€the€intent€to€cause€a€loss.€€òòWeóó€do€not€cover€such€Ð p5À04 Ðloss€for€òòyouóó€or€any€òòinsured€personóó.€€Ð `6°15 Ð(emphasis€in€original).€Ìâ âÒ°óLÒÒ°åLÒÓMÓÓÓÐ @837 ÐÓÓà  àIn€its€motion€for€summary€judgment,€Tennessee€Farmers€argued€that€Mattie€failed€toÏâ âcooperate€with€the€investigation€by€refusing€to€direct€Nolan€and€Jackie€to€submit€to€examinationÏunder€oath.€€In€response€to€Mattieððs€motion€for€summary€judgment,€Tennessee€Farmers€asserted€thatÏð ð[a]€reasonable€trier€of€fact€could€conclude€[that]€Mattie€Bradford,€although€she€did€not€personallyÏset€the€fire,€is€covering€up€for€her€son€and€his€wife€who€were€acting€on€her€behalf€in€this€claim€as€herÏagents.ðð€€Tennessee€Farmers€alleged€no€facts€indicating€that€Mattie€either€directed,€participated€orÏhad€knowledge€of€any€plan€to€set€fire€to€the€property.€€Tennessee€Farmers€alleges€that€MattieÏð ðconcealed€or€misrepresented€[a]€material€fact€or€circumstances€relating€to€[the]€insurance€.€.€.€.ðð€asÏstated€in€the€policy,€but€asserts€no€facts€in€support€of€its€allegation.€€Put€simply,€the€gist€of€TennesseeÏFarmersðð€allegation€against€Mattie€is€that€she€refused€to€ð ðdirectðð€Nolan€and€Jackie€to€submit€toÏexamination€under€oath.€€Ìà  àIn€its€brief€before€this€Court,€Tennessee€Farmers€asserts€that€a€genuine€issue€of€material€factÏexists€as€to€whether€Nolan€and€Jackie€acted€as€Mattieððs€ð ðagents,€intermediaries€or€as€individuals€inÏsetting€the€fire€and€submitting€the€claim€to€the€insurance€œcompany€.›€.€.€.ðð€€However,€in€the€pleadingsÏbefore€the€trial€court,€the€only€assertion€supported€by€an€allegation€of€fact€is€the€contention€thatÏMattie€refused€to€direct€Nolan€and€Jackie€to€submit€to€examination€under€oath.€€As€noted€above,€theÏpolicy€does€not€state€that€the€insured€has€a€duty€to€ð ðdirectðð€any€third€party,€agent€or€not,€to€submitÏto€examination€under€oath.€€We€find€that€no€such€duty€is€implied€in€the€policy.€€Accordingly,€as€toÏMattieððs€claim€against€Tennessee€Farmers,€no€genuine€issue€of€material€fact€exists.€€The€trial€courtððsÏdecision€to€deny€Tennessee€Farmersðð€motion€œasñË ñ€toñË ñ›€Mattie€and€grant€Mattieððs€motion€for€summaryÏjudgment€is€affirmed.Ìà  àÔ‡X ðXXX ðÔSecond,€Tennessee€Farmers€argues€that€the€trial€court€erred€in€granting€Nolan€and€JackieððsÐ ,`'* Ðmotion€to€dismiss€for€failure€to€state€a€claim.€€In€Ô#†X ðXXX ðMZ#Ôòòò òPursell€v.€First€American€National€Bankó óóóÔ‡X ðXXX ðÔ,€Ô#†X ðXXX ðh[#Ô937Ð ð-@), ÐS.W.2d€838,€840€(Tenn.€1996)Ô‡X ðXXX ðÔ,€the€Supreme€Court€addressed€the€standard€applied€by€a€court€inÐ Ð/ +. Ðruling€on€a€motion€to€dismiss€pursuant€to€Rule€12.02(6)€of€the€Tennessee€Rules€of€Civil€Procedure:ÌÒ°ÒÒ°ÒÓÓà ` àA€motion€to€dismiss€for€failure€to€state€a€claim€upon€which€relief€can€beÏgranted€tests€the€sufficiency€of€the€complaint.€€The€basis€for€the€motion€is€that€theÏallegations€contained€in€the€complaint,€considered€alone€and€taken€as€true,€areÏinsufficient€to€state€a€claim€as€a€matter€of€law.€€The€motion€admits€the€truth€of€allÏrelevant€and€material€allegations,€but€asserts€that€such€facts€do€not€constitute€a€causeÏof€action.€€In€resolving€the€issues€in€this€appeal,€we€are€required€to€construe€theÏcomplaint€liberally€in€the€plaintiff's€favor€and€take€the€allegations€of€the€complaintÏas€true.Ð  :p59 ÐÒ°·\ÒÒ°Å\ÒÓÓ\ÓÓÓÌÓÓÔ#†X ðXXX ðà[#Ôòòò òSee€also€Engenius€Entertainment,€Inc.€v.€Herentonóóó óÔ‡X ðXXX ðÔ,€971€S.W.2d€12,€17€(Tenn.€App.€1997).Ô#†X ðXXX ð`#ÔÔ€X ðXXX ðÔÐ  ð Ðà  àIn€their€motion€to€dismiss,€Nolan€and€Jackie€argue€that€they€are€not€insureds€under€the€policyÏand€that€the€policy€does€not€require€them€to€submit€to€examination€under€oath.€€Tennessee€FarmersÏargues€that€Nolan€and€Jackie€are€interested€parties€in€this€declaratory€judgment€action€underÏTennessee€Code€Annotated€ðð€œ29„14„107€because›€ð ðthey€handled€Mattie€Bradfordððs€affairs.ðð€ÏTennessee€Farmers€argues€that€Nolan€was€Mattieððs€fiduciary€because€he€held€her€power€of€attorneyÏand€signed€a€sworn€statement€of€loss€on€her€behalf€and€is€subject€to€the€policy.€€Tennessee€FarmersÏreiterates€its€allegations€that€Nolan€and€Jackie€were€involved€in€setting€the€fire,€œnoting›€that€JackieÏwent€to€Mattieððs€home€just€before€the€fire€was€reported€and€that€both€Nolan€and€Jackie€had€motiveÏand€opportunity€to€set€the€fire.Ìà  àTennessee€Code€Annotated€ðð€29-14-103€provides:ÌÒ°ÒÒ°ÒÓÓà ` àAny€person€interested€under€a€.€.€.€written€contract,€or€other€writingsÏconstituting€a€contract,€or€whose€rights,€status,€or€other€legal€relations€are€affected€byÏa€.€.€.€contract€.€.€.€may€have€determined€any€question€of€construction€or€validityÏarising€under€the€instrument,€statute,€ordinance,€contract,€or€franchise€and€obtain€aÏdeclaration€of€rights,€status€or€other€legal€relations€thereunder.ÌÒ°9dÒÒ°GdÒÓUdÓÓÓ€ÌÓÓTenn.€Code€Ann.€ðð€29-14-103€(1980).€€Therefore,€in€this€declaratory€judgment€action,€the€issue€isÏto€determine€the€rights€and€obligations€of€the€parties€under€the€insurance€policy.€€In€this€case,€theÏpolicy€at€issue€defines€ð ðinsuredðð€as€follows:ÌÒ°ÒÒ°ÒòòÓÓð ðInsured€personðð€óómeans:€(a)€òòyouóó;€(b)€òòyouróó€spouse€or€the€relatives€of€either€residingÐ €%Ð # Ðin€òòyouróó€household;€and€(c)€any€other€person€under€the€age€of€21€residing€in€òòÔ‡X ðXXX ðÔyouróóÔ#†X ðXXX ðfh#Ô€careÐ p&À!$ Ðor€the€care€of€a€resident€relative.€œ¹Ò°bgÒÒ°pgÒÓgÓÓÓà  àÌÓÓÔ‡X ðXXX ðÔ(emphasis€in€original).Ô#†X ðXXX ðZi#Ô€€It€is€undisputed€that€Nolan€and€Jackie€did€not€reside€with€Mattie.€€The€policyÐ @)$' Ðcontains€no€provision€making€a€fiduciary€or€agent€an€ð ðinsuredðð€under€the€policy.€€Consequently,ÏNolan€and€Jackie€are€not€ð ðinsuredsðð€under€the€policy€and€have€no€rights€or€duties€under€the€policy.€ÏThe€provisions€of€the€policy€do€not€require€them€to€submit€to€examination€under€oath.Ìà  àTennessee€Farmers€appears€to€assert€a€subrogation€claim€against€Nolan€and€Jackie.€€TheÏpolicy€states:€ð ðAfter€making€payment€under€this€Policy,€òòweóó€will€have€the€right€to€recover€to€theÐ  2ð-1 Ðextent€of€òòouróó€payment€from€anyone€held€responsible.€€The€òòinsured€personóó€will€do€whatever€isÐ €4Ð/3 Ðrequired€to€transfer€this€right€to€òòusóó.ðð€€(emphasis€in€original).€€Thus,€under€the€policy,€TennesseeÐ `6°15 ÐFarmers€has€the€right€to€recover€from€a€party€who€is€held€responsible€for€a€loss€only€ð ð[òòaóó]òòfteróó€makingÐ @837 Ðpayment€under€this€policy€.€.€.€.ðð€€€(emphasis€supplied).€€Tennessee€case€law€also€indicates€that€theÐ  :p59 Ðsubrogation€claim€arises€only€after€payment€is€made€under€the€policy.€€In€ò òòòWimberly€v.€AmericanÐ ° ÐCasualty€Companyóóó ó,€584€S.W.2d€200,€203€(Tenn.€1979),€the€Court€held€that€an€insurerððs€right€toÐ à Ðsubrogation€arises€when€the€insured€is€ð ðmade€whole.ðð€€ò òòòSee€also€Mullins€v.€Parkeyóóó ó,€874€S.W.2d€12,Ð pÀ Ð14„15€(Tenn.€App.€1992).€€In€this€case,€Tennessee€Farmers€has€not€paid€Mattie€for€the€loss.€ÏConsequently,€at€this€point,€Tennessee€Farmers€may€not€assert€a€subrogation€claim€against€NolanÏand€Jackie.€€Ìà  àFinally,€Tennessee€Farmers€argues€that€the€trial€court€erred€in€denying€its€motion€for€leaveÏto€file€a€third€party€complaint€against€Nolan€and€Jackie.€€Tennessee›€Farmers€alleged€that,€ifÏTennessee€Farmers€is€found€liable€to€Mattie,€it€is€entitled€to€recover€from€Nolan€and€Jackie.€€RuleÏœ14.02›€of€the€Tennessee€Rules€of€Civil€Procedure€œallows€a€plaintiff€to€bring€in€a€third€party€when€aÏcounterclaim€is€asserted€against€the€plaintiff.€€ò òòòSee€óóó óTenn.€R.€Civ.€P.€14.02.€€Rule€14.01€governs€bothÐ pÀ Ðplaintiff€and€defendant€third€party€practice€and€provides,€in€part:€ð ð[t]he€third-party€plaintiff€need€notÏobtain€leave€to€make€the€service€if€the€third-party€complaint€is€filed€not€later€than€10€days€afterÏservice€of€the€third-party€plaintiff's€original€answer.€€Otherwise€the€third-party€plaintiff€must€obtainÏleave€on€motion€upon€notice€to€all€parties€to€the€action.ðð€€Tenn.€R.€Civ.€P.€14.01.€€We€have€noted€thatÏthis€language€is€identical€to€the€federal€impleader€rule.€€ò òòòVelsical€Chem.€Co.€v.€Roweóóó ó,€543€S.W.2dÐ Ð  Ð337,€338€(Tenn.€1976).€€Ô‡X\¹XXX\¹ÔUnder€the€federal€impleader€rule,€whether€to€permit€a€third-party€complaintÐ °"  Ðis€within€the€sound€discretion€of€the€trial€court;€therefore,€we€apply€an€abuse€of€discretion€standardÏto€the€trial€courtððs€decision€to€deny€a€motion€to€file€a€third€party€complaint.€€ò òòòSee€Highlands€Ins.€Co.Ð p&À!$ Ðv.€Lewis€Rail€Service€Co.óóó ó,€10€F.3d€1247,€1251€(7th€Cir.€1993);ò òòò€Dean€v.€Barberó óóó,€951€F.2d€1210,€1215Ð P( #& Ð(11th€Cir.ñÊ ñ€ñÊ ñ1992).Ô#†X\¹XXX\¹¼t#Ô€€€€€€›Ð 0*€%( ÐÔ‡X\¹XXX\¹Ôà  àIn€this€case,€Tennessee€Farmersðð€reluctance€to€pay€Mattie€without€an€adjudication€of€its€rightsÐ ,`'* Ðagainst€Nolan€and€Jackie€is€understandable.€€Once€the€claim€is€paid€to€Mattie,€Tennessee€FarmersÏmay€suspect€that€Nolan€could€access€the€insurance€proceeds€by€utilizing€the€power€of€attorneyÏexecuted€by€Mattie.€€There€is€factual€basis€for€the€assertion€that€the€fire€was€deliberately€set€and€thatÏNolan€and€Jackie€had€both€motive€and€opportunity€to€set€the€fire.€€€However,€given€the€proceduralÏposture€of€this€case,€we€cannot€conclude€that€the€trial€court€erred€in€its€rulings.€€There€are€no€factsÏindicating€that€Mattie€participated€in€setting€the€fire€or€had€knowledge€of€the€alleged€plan€by€NolanÏand€Jackie€to€set€the€fire.€€The€only€allegation€against€Mattie€stems€from€her€refusal€to€ð ðdirectðð€NolanÐ 09€48 Ðand€Jackie€to€submit€to€examination€under€oath;€however,€the€policy€does€not€require€Mattie€to€doÏso.€€Thus,€Mattie€is€entitled€under€the€policy€to€be€compensated€for€her€loss.€€Until€Mattie€is€paid,ÏTennessee€Farmersðð€claim€against€Nolan€and€Jackie€does€not€arise.€€Therefore,€we€cannot€say€thatÏthe€trial€court€œabused€its€discretion›€in€denying€Tennessee€Farmersðð€motion€for€leave€to€file€a€thirdÏparty€complaint€against€Nolan€and€Jackie.€€Ìà  àIn€sum,€we€find€that€Mattie€has€no€duty€under€the€policy€to€ð ðdirectðð€Nolan€and€Jackie€toÏsubmit€to€examination€under€oath.€€Therefore,€no€genuine€issue€of€material€fact€exists€as€to€MattieððsÏclaim€for€payment€under€the€policy,€and€the€decision€of€the€trial€court€to€deny€Tennessee€Farmersðð€Ïmotion€for€summary€judgment€and€grant€summary€judgment€in€favor€of€Mattie€is€affirmed.€€NolanÏand€Jackie€are€not€ð ðinsuredsðð€under€the€policy€and€thus€have€no€duty€under€the€policy€to€submit€toÏexamination€under€oath.€€Since€Mattie€has€not€yet€been€compensated€under€the€policy€for€her€loss,ÏTennessee€Farmers€has€no€subrogation€claim€against€Nolan€and€Jackie,€and€the€trial€courtððs€denialÏof€Tennessee€Farmersðð€motion€for€leave€to€file€a€third€party€complaint€against€Nolan€and€Jackie€isÏaffirmed.€€This€ruling€does€not€preclude€Tennessee€Farmers€from€asserting€a€claim€in€a€separateÏaction€against€Nolan€and€Jackie€once€Mattie€has€been€compensated€under€the€policy€for€her€loss.€€Ô#†X\¹XXX\¹ w#ÔÐ ð@ Ðà  àThe€decision€of€the€trial€court€is€affirmed.€€Ô‡X\¹XXX\¹ÔCosts€on€appeal€are€taxed€to€the€Appellant,€forÐ Ð  Ðwhich€execution€may€issue€if€necessary.Ô#†X\¹XXX\¹¬€#Ô€€€€œÐ °"  ÐÌÓÓÔ‡X/8XXX\¹Ôà  àà ` àà ¸ àà  àà h àòò€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€Ð p&À!$ Ðà  àà ` àà ¸ àà  àà h àò òóóHOLLY€KIRBY€LILLARD,€J.Ð \'¬"% Ðó óà  àò òÌCONCUR:ÌÌÌòò€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€Ð ø+H'* ÐóóW.€FRANK€CRAWFORD,€P.€J.,€W.S.Ð ä,4(+ ÐÌÌòò€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€óóÐ ¨/ø*. ÐDAVID€R.€FARMER,€J.ó óÐ ”0ä+/ ÐÔ#†X\¹XXX/8†#Ô›