                              NOT FOR PUBLICATION                        FILED
                       UNITED STATES COURT OF APPEALS                    MAR 27 2019
                                                                      MOLLY C. DWYER, CLERK
                                                                       U.S. COURT OF APPEALS
                              FOR THE NINTH CIRCUIT

MANUEL ROMAN,                                    No.   17-17008

                   Plaintiff-Appellant,          D.C. No. 2:15-cv-02447-NVW

     v.

BERKSHIRE HATHAWAY HOMESTATE MEMORANDUM*
INSURANCE COMPANY,

                   Defendant-Appellee.

                      Appeal from the United States District Court
                               for the District of Arizona
                        Neil V. Wake, District Judge, Presiding

                         Argued and Submitted March 5, 2019
                                  Phoenix, Arizona

Before: IKUTA and FRIEDLAND, Circuit Judges, and BLOCK,** District Judge.

          Manuel Roman appeals the district court’s summary judgment in favor of

Berkshire Hathaway Homestate Insurance Company (“Berkshire Hathaway”). We

assume familiarity with the facts, procedural history, and issues on appeal.


*
      This disposition is not appropriate for publication and is not precedent
except as provided by Ninth Circuit Rule 36-3.
**
      The Honorable Frederic Block, United States District Judge for the
Eastern District of New York, sitting by designation.
Reviewing de novo, see Cox v. Dep’t of Soc. & Health Servs., 913 F.3d 831, 836-

37 (9th Cir. 2019), we affirm.

      It was not unreasonable for Berkshire Hathaway to initially deny Roman’s

claim pending further investigation. Arizona Revised Statute § 23-1061(M) did

not require Berkshire Hathaway to complete its investigation within twenty-one

days of notification of the claim because Roman did not miss any time from work.

In any event, an insurer may reasonably deny a claim “when a diligent

investigation fails to uncover adequate information.” Tapia v. Indus. Comm’n of

Ariz., 426 P.3d 1237, 1240 (Ariz. Ct. App. 2018).

      There is no evidence that Berkshire Hathaway’s investigation was not

diligent. Berkshire Hathaway reasonably sought information from Roman, who

initially was not forthcoming, and from his employer; the delays in obtaining that

information were not due to any lack of diligence on Berkshire Hathaway’s part.

See id. While the Industrial Commission of Arizona (“ICA”) had contact

information that could have expedited the investigation, there is no evidence that

Berkshire Hathaway knew or should have known that the ICA had the information.

      Nor was Berkshire Hathaway’s post-denial investigation unreasonable.

Roman claims that Berkshire Hathaway carried out its post-denial investigation

pursuant to a company policy geared toward gathering evidence to support denials.

The portion of Berkshire Hathaway’s claims handling guideline that Roman relies

                                         2
on, however, does not support his claim that the company has such a policy, at least

for cases like this one in which information is lacking. As soon as Roman identified

his medical providers, Berkshire Hathaway sought medical records from them. The

delay in receiving the records was attributable to the providers, not Berkshire

Hathaway. It was reasonable for Berkshire Hathaway to schedule an independent

medical examination (“IME”) to confirm the nature of Roman’s injury and ascertain

the likelihood of future treatment. Berkshire Hathaway promptly accepted the claim

once it received the results of the IME.

      In sum, we agree with the district court that Roman failed to offer sufficient

evidence that Berkshire Hathaway handled his claim in bad faith. We therefore need

not address Roman’s challenges to the district court’s ruling on punitive damages.

See Rawlings v. Apodaca, 726 P.2d 565, 577 (Ariz. 1986) (“[P]unitive damages may

not be awarded in a bad faith tort case unless the evidence reflects ‘something more’

than the conduct necessary to establish the tort.”).

      AFFIRMED.




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