                        United States Court of Appeals
                          FOR THE EIGHTH CIRCUIT
                                  ___________

                                  No. 96-2430
                                  ___________

Jerry J. Kerr,                         *
                                       *
           Plaintiff - Appellant,      *
                                       *
      v.                               *
                                       *
Federal Emergency Management           * Appeal from the United States
Agency,                                * District Court for the
                                       * Western District of Missouri
           Defendants,                 *
                                       *
Bellmon Adjustors, Inc.,               *
                                       *
           Defendants - Appellees.     *
                                  ___________

                         Submitted: December 12, 1996
                             Filed: May 15, 1997
                                 ___________

Before FAGG, FLOYD R. GIBSON, and LOKEN, Circuit Judges.
                           ___________

FLOYD R. GIBSON, Circuit Judge.

      Appellant Jerry J. Kerr insured his property against flood loss through the
Federal Emergency Management Agency ("FEMA"). On May 7, 1993, Kerr's
property, located in Belton, Missouri, suffered flood damage. Kerr notified FEMA of
the loss, and FEMA assigned Bellmon Adjustors, Inc. ("Bellmon") to adjust Kerr's
claim. When FEMA denied Kerr's claim, Kerr sued Bellmon under a negligence theory
and asserted that Bellmon undertook an independent duty to sufficiently adjust Kerr's
claim and subsequently breached that duty when it failed to provide FEMA with the
information necessary to process his claim.1 The district court 2 dismissed Kerr's cause
of action against Bellmon. Kerr appeals, and we affirm.

I.    BACKGROUND

        Before expounding upon the facts of this case, we must determine whether we
are reviewing the grant of a motion to dismiss or for summary judgment. In its Order
dismissing the case, the district court stated that because it considered matters beyond
the pleadings, it evaluated Bellmon's motion as one for summary judgment as required
by Fed. R. Civ. P. 12(c). However, the court concluded its Order by stating it would
grant Bellmon's motion to dismiss and therefore deny as moot Bellmon's motion for
summary judgment. Kerr contends that the district court's inconsistency resulted in
error. Admittedly, the district court's inconsistent posture on the nature of the dismissal
created a somewhat confusing Order. However, if the district court failed to view
Bellmon's motion as one for summary judgment as required by Rule 12(c), any error
in doing so was harmless. See Gibb v. Scott, 958 F.2d 814, 816 (8th Cir. 1992) ("A
failure of this type is harmless if the nonmoving party had an adequate opportunity to
respond to the motion and material facts were neither disputed nor missing from the
record."). Because the district court considered matters beyond the pleadings, we


      1
        Kerr also brought a breach of contract claim against FEMA, which the district
court dismissed. Kerr initially appealed that decision but has since dropped his appeal
against FEMA. Neither of the parties has contested jurisdiction over the remaining
claim against Bellmon. We note, however, that it was properly within the district
court's discretion to retain jurisdiction over Kerr's negligence claim against Bellmon.
See 28 U.S.C. § 1367(c)(3) (1994); Pioneer Hi-Bred Int'l v. Holden Found. Seeds, Inc.,
35 F.3d 1226, 1242 (8th Cir. 1994).
      2
      The HONORABLE DEAN WHIPPLE, United States District Judge for the
Western District of Missouri.

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review the case under the summary judgment standard, see id., and accordingly view
the facts in the light most favorable to Kerr. See Buck v. FDIC, 75 F.3d 1285, 1289
(8th Cir. 1996).

        On May 7, 1993, a flood caused damage to Kerr's Belton property. Kerr
promptly notified FEMA, and FEMA assigned Bellmon to adjust the claim. On May
23, 1993, Jim Nemecheck, a Bellmon agent, toured Kerr's property to observe the flood
damage. Nemecheck advised Kerr to sign a blank proof of loss form. He informed
Kerr that he would complete the form and file it with FEMA on Kerr's behalf. At the
time of Nemecheck's visit, Kerr had not completed a list of lost or damaged property,
but on May 28, 1993, Kerr mailed a list of such property to Nemecheck. Through
repeated letters and phone calls, Kerr attempted to follow-up on Nemecheck's progress
in advancing his claim. Nemecheck did not respond to Kerr's attempted
correspondence. Around September 1, 1993, FEMA sent Kerr a letter informing him
that it was attempting to process claims as quickly as possible.

      The FEMA dwelling policy Kerr was insured under required the following:
"Within 60 days after the loss, send us a proof of loss, which is your statement as to the
amount you are claiming under the policy and signed sworn to by you." Bellmon App.
at 27 (emphasis added). The policy further provides:

      The insurance adjuster whom we hire to investigate your claim may
      furnish you with a proof of loss form, and she or he may help you to
      complete it. However, this is a matter of courtesy only, and you must still
      send us a proof of loss within 60 days after the loss even if the adjuster
      does not furnish the form or help you complete it.

Id. (emphasis added). On November 3, 1993, FEMA denied Kerr's claim stating that
"[t]he adjuster's investigation revealed that he was unable to confirm the damages
related to the flood." J.A. at 98. FEMA asserted that Kerr had violated several


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provisions of his insurance policy and had not filed the information required to process
his claim within the sixty-day time period.

       In his Complaint, Kerr alleged that Bellmon breached its duty to him when it
failed to accurately investigate his claim. The district court determined that Bellmon
did not owe an independent tort duty to Kerr and therefore could not be held liable for
any economic loss suffered by Kerr. Because we agree that Bellmon did not owe a
duty to Kerr, we affirm the district court's decision.

II.   DISCUSSION

       We review a grant of summary judgment de novo. See Buck, 75 F.3d at 1289.
We will uphold a district court's grant of summary judgment when the facts, viewed in
the light most favorable to the nonmoving party, see id., establish "that there is no
genuine issue as to any material fact and that the moving party is entitled to a judgment
as a matter of law," First S. Ins. Co. v. Jim Lynch Enter., Inc., 932 F.2d 717, 718 (8th
Cir. 1991)(quotation omitted).

        In his Complaint Kerr alleged that "Bellmon negligently failed in its duty to
[Kerr] to accurately investigate and determine if [Kerr's] loss was covered by the
policy." J.A. at 5. To establish a claim of general negligence under Missouri law, Kerr
is required to show that (1) Bellmon owed a duty to Kerr; (2) Bellmon breached its
duty to Kerr by act or omission; and (3) as a result of the breach, Kerr suffered injury
or damage. See American Mortgage Inv. Co. v. Hardin-Stockton Corp., 671 S.W.2d
283, 292-93 (Mo. Ct. App. 1984).
        Kerr agrees with the general rule of Missouri law that an insurer's agent is not
liable for economic loss suffered by an insured when the agent fails to perform a duty
owed to the insurer. See State ex rel. Ranni Assocs., Inc. v. Hartenbach, 742 S.W.2d
134, 139-40 (Mo. 1987). However, Kerr asserts that Bellmon's conduct falls within an


                                          -4-
exception to this rule because an agent is liable to the insured "if he commits [an act]
which would constitute an independent tort." Id. at 139. Kerr contends that a
contractual duty arose between him and Bellmon when Nemecheck agreed to complete
Kerr's proof of loss form and file it with FEMA. Kerr claims that because Bellmon
breached the duty to perform the alleged agreement with "skill, care, and reasonable
expedience and faithfulness," American Mortgage, 671 S.W.2d at 293, Bellmon has
committed an independent tort against Kerr for which it should be held liable.3 Kerr
asserts that the following facts establish that Bellmon undertook a separate duty to
Kerr:

      1.     A May 18, 1993, letter from FEMA advised Kerr that Bellmon was
             his assigned adjuster and "may help [him] present [his] claim."
             J.A. at 71 (emphasis added).

      2.     Nemecheck represented to Kerr that he would file the required
             information with FEMA as soon as Kerr provided it. As of May
             28, 1993, Kerr had provided Nemecheck with a proof of loss form
             itemizing his damage and other information regarding his loss.

      3.     FEMA sent Kerr a subsequent form letter around September 1,
             1993, which stated that "[f]or those of you who are awaiting
             finalization of your claim by the assigned adjuster, we have
             requested all adjusters to do whatever is necessary to properly
             conclude the losses." J.A. at 72.

      4.     A FEMA representative advised Kerr that he could only obtain a
             proof of loss form from an adjuster, only adjusters were authorized


      3
         Kerr also contends that Bellmon's conduct "arguably constitutes
misrepresentation, an additional independent tort." Kerr's Br. at 16. Not only has Kerr
raised this argument for the first time on appeal, but he has also neglected to support
this allegation with any specific law or facts from the record. Therefore, we consider
the argument waived and need not address it on appeal. See Primary Care Investors,
Seven, Inc. v. PHP Healthcare Corp., 986 F.2d 1208, 1212 (8th Cir. 1993).

                                          -5-
      to file proof of loss forms with FEMA, and that FEMA did not strictly
      enforce the requirement that an insured file his claim within sixty days of
      the loss.

       At the outset, we note that Kerr claims the letter received from FEMA on
September 1 caused him to believe that Bellmon would complete his claim. He further
contends that the FEMA representative induced him to rely on Bellmon to file his claim
because she informed him that this was the proper and only acceptable procedure. We
seriously doubt, however, that FEMA's representations could create an "independent"
tort duty on the part of Bellmon. Rather, these representations relate only to Bellmon's
expected performance as FEMA's agent.

         Even if FEMA's representations could have created an "independent" duty,
Kerr's reliance on the representations was not reasonable. Kerr admits that his
conversation with the FEMA representative did not occur until the summer of 1995.
J.A. at 144, 147. Because Kerr received the letter from FEMA and conversed with the
FEMA representative well after the sixty-day filing deadline had passed, Kerr could not
have reasonably relied upon this information in failing to submit his claim. Furthermore,
Kerr's insurance policy stated:

      The insurance adjuster whom we hire to investigate your claim may
      furnish you with a proof of loss form, and she or he may help you to
      complete it. However, this is a matter of courtesy only, and you must still
      send us a proof of loss within 60 days after the loss even if the adjuster
      does not furnish the form or help you complete it.

Bellmon App. at 27 (emphasis added). Therefore, FEMA advised Kerr that he was
ultimately responsible for completing and filing the required information. When
Nemecheck failed to respond to Kerr's letters and phone calls, Kerr should have known
not to further rely on Nemecheck to file his claim.



                                          -6-
       Throughout his course of dealings with Kerr, Nemecheck conducted only
activities which related to his duty as FEMA's adjuster. Because Kerr has not
established that Bellmon undertook a separate duty to Kerr, he cannot claim that an
independent tort arose which would cause Bellmon to be liable for Kerr's economic
harm. See Ranni, 742 S.W.2d at 139. Any cause of action Kerr has with regard to
Bellmon's alleged negligence must be brought against FEMA, as Bellmon's principal.
See 4 Lee R. Russ and Thomas F. Segalla, Couch on Insurance § 48:63, at 48-93 (3d
ed. 1995).

III.   CONCLUSION

       Because the district court correctly concluded that Bellmon did not undertake a
separate duty to Kerr and therefore could not have committed an independent tort, we
affirm the district court's grant of summary judgment.

       A true copy.

             Attest:

                      CLERK, U. S. COURT OF APPEALS, EIGHTH CIRCUIT




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