So....loving a mystery, I wasted some time this evening playing detective with Google.
These landlords are not innocent saints when it comes to real estate.
While the insurance company and the landlord may have had some law on their side, the facts don't look so good.
The source is the "Insurance Journal," which is a mouthpiece of the insurance industry. Where's the rest of the story?
The Insurance Journal posted an AP piece that was only a "summary" of a the Times-Union story on the settlement.
Interesting that AP decided this portion of the original article was not relevant for the summary version they put on the wire with a sensational headline...
Attorney Fred Tromberg, who represents Melton's estate, said the property owner failed to provide any kind of security at the 30-unit complex despite it being in a crime-ridden neighborhood.
Tromberg said the owner, New York-based CLA South LLC, had a duty to provide reasonable safety to prevent a crime he called foreseeable. Tromberg said police responded to 45 calls of mostly violent crimes on the property and more than 100 within 500 feet of the property line in the three years prior to the triple killing.
The owner also was at fault for employing a property management company prohibited from practicing in Florida, Tromberg said.
Full story:
$1 million paid by property owner in Jacksonville woman's death | jacksonville.com
The apartment complex:
Chris formed the LLC in 2004:
http://sunbiz.org/pdf/H0254718.pdf
That document comes from here, which shows the LLC is still in the family:
www.sunbiz.org - Department of State
Digging a little deeper, I found out Chris got into a bit of trouble along the way in his career. Somehow he and a bunch of LLC names similar to this one got their names added to the HUD "excluded parties list".
https://www.epls.gov/epls/search.do (search on the surname from above, and check out the address, which matches CLA South LLC's)
CT Code
R Cause
Debarment by any Federal agency pursuant to Executive Order 12549 and the agency implementing regulations for one or more of the following causes: (a) conviction or a civil judgment for fraud, violation of antitrust laws, embezzlement, theft, forgery, bribery, false statements, false claims, or other offense indicating a lack of business integrity or honesty; (b) violation of the terms of a public agreement or transaction so serious as to affect the integrity of an agency program; or (c) other causes specified in the agency implementing regulations, or such other cause of a serious or compelling nature affecting responsibility.
I was then able to find that Chris got in his bind while working as an appraiser using a pseudonym, several years before he formed this particular LLC:
9 More Are Charged in Scheme to Defraud HUD Program - NYTimes.com
Here Chris parties with celebrities here in undated photos. The photos also show his wife Laura, who is now managing the LLC.
Press | Palms Hotel Fire Island
In the cold calculus of trial law, it seems to me the insurance company probably decided to pay off to the $1 million policy limit and be done with it. I can only imagine the challenges of trying to defend this customer to a jury.