TORTS:
DUTY TO WARN ABOUT A CHILD MOLESTER
Unfortunately,
we live in a world where bad things sometimes happen to innocent
children. Thankfully, despite the drum roll of the media, these
occurrences are few and far between. Nevertheless, do Florida
community associations have a “special relationship” with
residents requiring the association to warn of potential dangers?
The
courts are beginning to recognize that the best way to prevent a
sexual assault on a child is to warn parents about potential
dangers. What should a community do if a child is molested by
someone living in the community? Do not ignore it and do not pretend
it did not happen!
A
Florida appellate court recently ruled that an apartment complex had
a duty to warn tenants about a child molester who lived in the
complex and who had previously sexually assaulted a young child on
the premises. In T.W. v. Regal Trace, LTD., et al., 30 Fla.
L. Weekly D1514 (Fla. 4th DCA, June 15, 2005, a young
girl and her mother sued the apartment complex and others for
negligence, alleging the apartment complex failed to protect tenants
from reasonably foreseeable criminal activity and failure to warn
tenants about criminal activity on the premises.
The
young girl, T.W., was sexually assaulted in an abandoned building
while walking to school. The property manager was aware that the
same man who assaulted the girl had previously assaulted another
nine-year-old child on the premises. The trial court granted summary
judgment to the apartment complex on the grounds that the apartment
complex had no duty to protect against a criminal attack which
occurred off of the premises.
The
appellate court recognized that under Florida law, one person
generally has no duty to protect another person against criminal
activity. An exception to this rule occurs when a “special
relationship” exists, such as between a landlord and a tenant. A
landlord has a duty to protect a tenant from reasonably foreseeable
criminal conduct. For a duty to arise, however, the tenant must show
that the landlord had knowledge of prior criminal conduct occurring
on the premises.
T.W.
argued that the apartment complex had a duty to protect tenants from
the reasonably foreseeable criminal activity of a child molester so
that tenants could take adequate precaution to prevent an attack
against their own children. After first determining that a special
relationship existed because of the landlord-tenant relationship,
the court noted a duty to protect against third-party criminal acts
only arises if the landlord had knowledge of prior similar criminal
conduct.
The
court concluded that the apartment complex had a duty to warn even
though the sexual assault occurred off of the premises. The court
explained, “it can be said that a landlord is to provide safe
housing, which necessarily includes the security of areas
surrounding and essential to living in that housing (i.e., parking
lots, sidewalks, playgrounds, etc.).” The court reversed the
decision of the trial court and sent the case back to the trial
court for a jury to decide whether the apartment complex breached
its duty to protect the tenants.
The
importance of this case cannot be overemphasized. As in the
landlord-tenant relationship, Florida courts faced with a similar
situation may find a “special relationship” exists between a
community association and its residents. For example, if an
association has knowledge of a sexual assault against a child by
someone who lives in the community, then the association likely has
a duty to warn occupants about the criminal activity. This is very
important particularly for communities with children.
TORTS:
DUTY TO WARN ABOUT SLIPPERY SUBSTANCES ON THE FLOOR
What
happens if someone slips and falls while on common property and is
injured? Can the association be held liable? It may depend on
whether the association had knowledge of a foreign substance on the
floor which caused the fall.
In Sinfort v. Food
Lion, LLC, 30 Fla. L. Weekly d1643 (Fla. 5th DCA,
July 1, 2005), a customer sued a supermarket for injuries she
sustained in a slip and fall accident. The complaint alleged that
the store was negligent in allowing a liquid substance to remain on
its floor in its produce section. The complaint also alleged that
the store failed to adequately inspect the floor, failed to correct
the dangerous condition, and failed to maintain the refrigerated
produce displays to prevent water leakage that caused a dangerous
condition.
The store submitted to the court an
affidavit by an employee which stated that the employee inspected
the floor area where the customer fell approximately 10 to 15
minutes before the customer fell. The employee stated that he did
not see any water on the floor. As a result of the affidavit, the
trial court granted summary judgment to the store.
The Florida appellate court reversed the
decision of the trial court. The court pointed out that the employee’s
affidavit only showed that the employee inspected the floor. The
affidavit neglected to describe the manner in which the employee
conducted the inspection. The court noted that the employee would
not have seen the water if the inspection was "merely to glance
down the aisle."
HOMEOWNER
INSURANCE RATES ON THE RISE
As
most people are aware, some insurance companies in Florida have
requested rate hikes due to last season’s hurricanes. The Florida
Office of Insurance Regulation has set public hearings for the
proposed homeowners insurance rate increases filed by Allstate
Floridian, Allstate Floridian Indemnity Insurance companies and
Florida Select Insurance Company. Each of these companies is seeking
a rate increase greater than 15%. See www.fldfs.com/companies
for a copy of the hearing agenda. For more information, contact the
Florida Department of Financial Services Consumer Helpline at
1-800-342-2762.