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Defense Digest

New York Practice: Responding to the Complaint

Key Points:

  • What initial steps should be taken when preparing an answer in New York?
  • What issues must be evaluated when preparing the answer?

This article will address the issues that should be evaluated when preparing an answer. It pertains to answers in New York State courts and, to a limited extent, answers in federal court in the Eastern and Southern Districts of New York.

When a case is first assigned, defense counsel is provided with the initial pleadings, generally the summons and complaint. These are often the only documents provided by our clients. Under New York’s Civil Practice Law and Rules (CPLR), litigation is commenced by the filing with the court of a summons and complaint (or summons with notice or endorsed complaint). The filing stops the running of the statute of limitations and is the official commencement of the litigation. Service of process on the defendant must be properly effectuated within 120 days of commencement of the action. (CPLR §306(b).)

The first issue that an attorney should address is the practical one: when is the answer due? CPLR §320 prescribes the time periods for when a responsive pleading must be served. This is generally 20 or 30 days from completion of service (20 days when service is by personal delivery to the defendant within New York State, 30 days all other times). Service is not always complete when the papers are delivered by the process server. This is especially so when service is effectuated through substituted service (leaving the summons and complaint with someone of suitable age and discretion with follow-up mailing CPLR §308). In such a situation, service is complete ten days after the filing of the proof of service (the summons and complaint together with an affidavit of service is known as “proof of service”) with the court. The time periods for other methods of service are provided for in CPLR Article 3 and, in the interest of brevity, will not be discussed here.

Unfortunately, clients are not always the best judge of when service was actually effectuated upon them. Therefore, it is recommended that one obtain an affidavit of service from the plaintiff’s counsel or from the documents filed with the court’s e-filing website.

Once the due date of the responsive pleading is established, one must next determine if an extension of time to respond will be required. This additional time is not always required because the attorney is unable to find the time to prepare the answer but, rather, because the attorney is experiencing difficulty making formal contact with the client for whom they will be entering an appearance in the case. Although New York is a “notice pleading” state, where specific detailed facts are not required in an answer, an answer (or other appearance) should never be filed on behalf of a client (or business entity) without obtaining their consent to your representation of them. This first contact is the initiation of the attorney-client relationship. In addition, during this initial client contact, the basic facts about the case and corporate structure, which are necessary to formulate responses to the averments in the complaint, can be obtained. Other issues, such as the proper corporate or business entity name, proper venue, jurisdiction and potential affirmative defenses, should be discussed during this initial attorney-client conference. These issues will be discussed below.

Once the question of “when” the responsive pleading is due has been determined, one must then focus on how to respond. If the case is such where a motion to dismiss pursuant to CPLR §3211 is appropriate, then a motion in lieu of answering should be considered after consulting with the claims professional.

The attorney must also determine if an answer will be served. If the action was commenced by the filing of a summons with notice, then an answer is not the proper response. Rather, pursuant to CPLR §3012(b), a defendant must serve a notice of appearance and demand for the complaint. The plaintiffs will thereafter have 20 days to serve the complaint. The complaint in this instance will properly be served by sending it via mail to the attorneys who have entered an appearance on behalf of the party. There will be no need for service of the complaint upon the client through typical service of process methods. (Service of interlocutory papers – CPLR §2103(b).) The answer is thereafter due 20 days from receipt of the complaint (CPLR §3012).

When litigation is commenced by either the filing of a summons and complaint or a summons and endorsed complaint, an answer is then to be served. A summons and endorsed complaint is generally responded to with a general denial answer, which must include the required affirmative defenses.

Also to be addressed are jurisdiction and venue. The attorney will need to evaluate whether the court has both subject matter jurisdiction over the case and whether the court has obtained in personam jurisdiction over the defendant.

Most cases pending in the Supreme Court of the State of New York have subject matter jurisdiction as the Supreme Court is a court of “general jurisdiction.” However, cases that are worth less than $25,000 should be transferred to the Civil Court of the State of New York pursuant to CPLR §325(d). If at any time it appears that a case is worth less than $25,000, a motion can be made pursuant to CPLR §325(d) to have the case transferred to the lower court. Such can also be done sua sponte by the court. However, when a case is transferred pursuant to 325(d), the plaintiff will not be limited to relief within the jurisdictional limits of the lower court.

In addition, when evaluating subject matter jurisdiction, the attorney should also consider the possibility of removal of the case to federal court. Generally, such is done when the federal court has subject matter jurisdiction based upon (complete) diversity of citizenship of the parties and the amount in controversy exceeds $75,000. In addition, subject matter jurisdiction in the federal court can be obtained when the case involves a federal question, such as violation of a civil right or other federal law. If such is the case, a notice of removal must be timely served and filed in conjunction with the federal court answer. (28 U.S.C. §1446.) Timing of removal is critical and should, therefore, be evaluated as soon as the matter is assigned to counsel.

Personal jurisdiction over the individual defendant will be based upon either their “presence” in the state of New York (CPLR §301) or their activity, which falls under one of the provisions provided for in New York’s long-arm statute. (CPLR §302.) The second part of personal jurisdiction is dependent upon the proper service of the summons and complaint pursuant to CPLR Article 3.

Venue is generally more clear cut. Pursuant to CPLR Article 5, venue in transitory actions (most personal injury cases, including automobile cases) is properly placed in the county of residence of any party. (CPLR §503.) Residence is determined at the commencement of the litigation, and a party may be deemed to have more that one county for residence purposes. Interestingly, the CPLR does not provide for venue to be determined by the county of the site of the accident, as provided for in other states such as New Jersey. The upper right-hand corner of the summons generally sets forth the basis for the plaintiff’s choice of venue. If venue is improperly chosen by the plaintiff, a demand for change of venue must be served with the defendant’s answer. The plaintiff will thereafter have 10 days to consent to the change to a proper venue or provide an affidavit as to why their initial choice of venue was proper. If the plaintiff does neither, the defendants have five days to serve a motion seeking a change of venue. (CPLR Article 5.) These time requirements are strictly enforced, and if they are not complied with, objection to venue can be deemed waived. Therefore, defense counsel should be familiar with the requirements and time provisions set forth in Article 5 of the CPLR.

The next issue one should address is to make sure that one is appearing in the correct name of the client. Such is straightforward when you are appearing for an individual. Simply make sure that you have the proper spelling of their name when discussing the case with them during your initial conference. Oftentimes, plaintiffs misspell the defendants’ names when preparing initial pleadings. It is even more common that errors are made by plaintiffs’ counsel when naming corporate entities. It is common for plaintiffs to erroneously name a non-corporate or business entity by referring to a d/b/a, such as a hotel name or store name. A formal appearance, such as an answer to a complaint, should only be entered on behalf of an actual legal entity. It is extremely important that an answer only be served on behalf of and in the name of an actual business entity, or an individual. The client is usually the best source of information as to the formal corporate or business name. However, the New York Secretary of State (and most other states) have websites that are very useful for ascertaining official corporate/partnership/LLC names (www.dos.ny.gov/).

Once the aforementioned issues have all been addressed, it is finally time to evaluate the substantive allegations contained within the complaint. CPLR §3018 formally provides for three options for responding to allegations in a complaint. These are admit, deny, or deny knowledge or information as to the facts set forth in the complaint. However, by practice, additional responses have been extended to include a denial in the form alleged, which has the effect of a denial, but is generally used when the allegation is improperly worded, contains compound allegations or refers to more than one defendant. Another often used response is to “deny in the form alleged and refer all questions of law to the court.” This, too, has the effect of a denial. It is often used as a response to allegations in the plaintiff’s complaint in which it is alleged that the defendants had a “duty” to do a certain thing. Finally, the “deny in the form alleged but admit portions of the allegations in a specific paragraph of the complaint” is an option. This response is not used as often as it should be. It provides for a defendant to deny portions of an allegation while admitting other portions. Such a response is required in federal court answers. (FRCP 8.) A failure to respond to a specific numbered paragraph or allegation within a plaintiff’s complaint will be deemed an admission. Therefore, the attorney should be sure to do a count of all of the paragraph numbers in the answer to confirm that all allegations have been properly answered. It is suggested that, even if defense counsel intends to admit an allegation in the complaint, such not be left out of the answer. A formal admission should be included with the answer to avoid an inadvertent admission.

Once all of the allegations have been responded to, the attorney must next address the proper affirmative defenses to be included in the answer. CPLR §3018 provides for certain affirmative defenses that must be asserted in the answer or they will be deemed waived. However, there are usually additional affirmative defenses a defendant will assert in an answer. Generally, the rule is that the answer should contain any affirmative defenses to put the plaintiff “on notice” of a reason why the defendant will be claiming that they are not liable or responsible to the plaintiff. (CPLR §3018.)

A defendant in a civil action is also entitled to include in its answer a counterclaim against one or more plaintiffs. This is in essence a separate lawsuit brought by the defendant against the plaintiff seeking affirmative relief. It is generally related to the facts of the original action, but such is not a requirement. An answer to a counterclaim is required and is called a reply to counterclaim. (CPLR §§3011 and 3019.)

The answer may also contain cross-claims against co-defendants. These cross-claims are generally for contractual/common law indemnification or for contribution, but they are not limited to such. An answer to a cross-claim is not required in New York unless the cross-claim specifically demands an answer thereto. (CPLR §3011.) Good practice also suggests that an answer to cross-claims, whether required or not, should include appropriate affirmative defenses because it is a formal responsive pleading, subject to the requirements of CPLR §3018. (Siegel, New York Practice §223, 5th Edition.) In federal court, a party must serve an answer to a cross-claim within 21 days after being served with the pleading that includes the counterclaim or cross-claim. (FRCP 12.)

Finally, the defense attorney needs to evaluate if a verification is required and by whom such should be signed. A verification is a statement under oath that certifies the truth of the allegations contained in the pleadings. The rules as to verification of pleadings are found in CPLR §§3020-3023. Once a pleading is verified, all pleadings thereafter must be verified. If the complaint is not verified, it is still a good idea to file a verified answer as it will require that the plaintiff serve a verification to their bill of particulars, and that any subsequent amended pleadings be verified. Generally, the verification is signed by the attorney preparing the answer, unless the client resides or has offices in the same county where the attorney has his or her office. If such is the case, then the client or authorized representative/officer of the business entity must execute the verification. Verifications are not used in federal court pleading practice. Answers in federal court are not verified. It should be noted that in federal court answers, each paragraph is answered separately and that responses are not grouped together. Generally, a demand for trial by jury must be included in the federal court answer. If a plaintiff has not demanded a trial by jury and the defendant fails to do so, the court may deem that a trial by jury has been waived by the parties.

It is hoped that this article has addressed the basic issues that should be evaluated when preparing an answer in New York State practice.

Firm Highlights

Thought Leadership

United State District Court for the Middle District of Florida finds Evidence of Replacement Cost Value is Admissible and Recoverable Even When Repairs Have Not Been Made

The plaintiff filed a claim for damage as a result of Hurricane Ian. It claimed damages were over $24 million, but the carrier accepted partial coverage and paid $8,307.49 for secondary components. The carrier found hurricane damage to the building, but it was below the insurance policy’s $3.6 million deductible. The plaintiff sued for breach of the insurance policy. The carrier argued in a motion for summary judgment that plaintiff could not recover replacement cost value (RCV) because the property repairs had not been effectuated. The policy provided for RCV, but only after the repairs were completed. The carrier argued that because the repairs were not completed, the plaintiff was not entitled to RCV damages. The plaintiff argued the carrier could not withhold the actual cost value (ACV) due, which was the main allegation of the lawsuit, then fault it for not making the repairs to unlock the RCV. The United States District Court for the Middle District of Florida rejected the carrier’s argument, finding that when an insurer allegedly breached the policy by withholding coverage, it could not hide behind a repair-contingent provision to block the insured from RCV damages at trial. The court found the issue to be whether the contractual language designed to preclude certain coverage until after repairs are completed barred an insured from seeking those damages at trial when repairs were not complete. The court noted the Eleventh Circuit had not resolved this issue and neither side pointed to a definitive answer from the Florida Supreme Court. The court reasoned that it must look to the Sixth District Court of Appeal (6th DCA), which is the court which would have heard this case if it was in state court. The court noted the 6th DCA recently addressed this issue in Universal Prop. & Cas. Ins. Co. v. Rodriguez, 427 So. 3d 676 (Fla. 6th DCA 2026). The Rodriguez Court found that a breach of contract action is designed to adjudicate not only whether the contract was breached, but also evaluate the damages incurred had the breach not occurred, which the Rodriguez court found to be recovery of the RCV. This court also noted basic Florida contract principles compelled the same result, as a material breach frees the nonbreaching party to suspend its own performance and can demand the full benefit of its bargain, including RCV damages. Finally, the court found the distinction between a full denial and partial denial did not compel a different result. It found the policy required the carrier to acknowledge coverage and pay ACV for all covered damages, and the failure to do that is a material breach, entitling the insured to all of the damages available under the contract, which included the RCV.

Thought Leadership

Appeals Court Reverses Trial Court Order Awarding Attorney’s Fees Due to Lack of Evidence to Support Fee Awarded

The Fourth District Court of Appeal reversed the trial court’s order awarding appellate fees to People’s Trust Insurance Company based upon a lack of evidence to support the attorney’s fee award in RM & Assocs. Consulting, Inc. v. People's Trust Ins. Co., 2026 Fla. App. LEXIS 4654 (Fla. 4th DCA 2026). People’s Trust was the insurer of a residential property that had sustained water damage. RM & Associates Consulting was hired by the homeowner to perform mitigation services at the property. The homeowner assigned post-loss benefits to RM and RM subsequently filed suit against People’s Trust alleging that it had not been paid the money it was owed for the mitigation services. People’s Trust defended the lawsuit on the ground that the policy required the insured to notify the insurer before authorizing repairs so People's Trust could elect to use its preferred contractor. Because the owner did not comply with that provision, People's Trust asserted its liability was limited to the amount that its preferred contractor would have charged for the work, which People's Trust contended was $2,000. People's Trust paid that amount to RM before RM filed suit. People’s Trust filed a motion for summary judgment which was granted. RM appealed the summary judgment ruling and the ruling was upheld by the Fourth District Court of Appeal. The appellate court also granted People’s Trust’s entitlement to appellate attorney’s fees, subject to the trial court’s determination of the amount of fees, based upon an offer of judgment made by People's Trust. On remand, the trial court held an evidentiary hearing to determine the amount of attorney’s fees People’s Trust was entitled to. At the hearing, People’s Trust presented testimony from it’s fee expert, supervising trial counsel and appellate counsel. People’s Trust sought recovery of $24,866.17 for work performed by appellate counsel. The request primarily consisted of work performed in preparation of the answer brief. The fee expert testified that more than ninety hours spent preparing the answer brief was reasonable given the complexity and significance of the underlying issue. The appellate court found that the fee expert’s testimony fell short of meeting the necessary standard of demonstrating that the hours expended were necessary. The appellate court found that the billing records did not serve to cure the deficient testimony, as the billing records did not contain adequate details regarding the specific tasks performed. Rather the records contained entries such as “answer brief” which the appellate court found to be insufficient. The appellate court noted that neither the fee expert or counsel addressed how the prior research and briefing in the parallel litigation informed the work in the instant matter. The appellate court noted this was significant in that a court's attorney's fees award must exclude excessive, redundant, or otherwise unnecessary hours, citing Florida Patient's Compensation Fund v. Rowe, 472 So. 2d 1145 (Fla. 1985). Based upon the record failing to support the finding of the trial court, the 4th DCA remanded the case to the trial court for a reconsideration and redetermination of reasonable appellate attorney’s fees supported by competent substantial evidence. The 4th DCA reiterated that the fee expert’s focus on the quality of the work and the importance of the work to People’s Trust did not make up for the perceived deficiencies in the position that spending over ninety hours on a single answer brief was reasonable. Whether moving for attorney’s fees or challenging the amount of fees being sought by an opposing party, practitioners should be mindful of the evidence being used to support the claims being made. Parties should pay close attention to whether the hours being sought may be impacted by prior litigation either party may have engaged in. A party must be prepared to address how prior litigation efforts did or did not impact the amount of hours being claimed in current litigation. Lastly, billing records must be sufficiently detailed so as to support any potential future fee claim.

Thought Leadership

First DCA Reverses Excessive Jury Award Unsupported by the Evidence

In December 2019, the plaintiffs filed a claim with Universal for damages caused by a water and sewage back up through the plumbing system and existing through multiple fixtures including the washing machine drain, kitchen sink, dishwasher, bathtub and toilet. Universal investigated the claim, issued payment for resulting water damage totaling $7,000.00 in actual cash value ($12,000.00 in replacement cost value). The plaintiffs sought additional benefits for work needed to access the below-slab cast iron plumbing system due to the failure of the system from rust, deterioration, corrosion and breaks in the line. Universal denied any additional benefits for access. In 2021, the plaintiffs filed suit. During litigation, Universal sent a plumber to inspect the home and the plumber concluded the pipes were clogged but could be cleaned. The plaintiffs’ plumber testified that the plumbing system needed to be replaced due to holes and openings in the pipes. The plaintiffs introduced two estimates prepared by Triad Restoration services totaling $79,680.22 in replacement cost value and $50,219.97 in actual cash value and an executed contract with another company for repairs with the amounts of repair redacted. Since the insurance policy did not provide coverage for repair or replacement of the plumbing system, the jury only had to decide whether the plumbing system needed to be replaced, and if it did, Universal would owe for the access costs; the jury verdict form required the jury to determine both the replacement cost value and actual cash value amounts. The jury asked if it had to rely on the Triad estimates for their amounts. The trial court advised the amount awarded had to be based on the evidence presented at trial and the law given by the trial court. The jury awarded $335,000.00 in replacement cost value or $305,000.00 in actual cash value. Universal motioned for a new trial arguing the amount awarded was unsupported by the evidence and then moved for remittitur. The trial court denied both motions and this appeal followed. The court found that while a jury’s verdict should only be disturbed with caution and discretion, the trial court must give the properly challenged award close scrutiny and determine whether it bears a reasonable relation to the damaged provided, is supported by the evidence, and could have been reached in a logical manner by reasonable means §768.74(3), (5)(d)-(e), Fla. Stat. The court found the trial court did consider the statutory requirements at the hearing on Universal’s remittitur motion and was concerned about a reasonable relation to the amount of damages proved and injury suffered and whether the award was supported by the evidence, but ultimately denied the motion, reasoning that the jury had been properly instructed to fairly and adequately compensate the plaintiffs. The court noted the only evidence providing the basis for the jury verdict was Triad’s estimates and those valued the plaintiffs' claimed loss at $79,680.22 in replacement cost value and $50,219.97 in actual cash value; no valuation evidence reasonably supported the jury verdict. The plaintiffs argued that the jury was entitled to consider more than the estimates, but the court conveyed the evidence provided did not give the jury a way to reach the amounts they awarded. The court was also not swayed by the plaintiffs’ argument regarding inflation and later price increases, but the court noted that no evidence via the contract, nor testimony regarding increase in labor, material, fuel or construction costs were entered into the record.  The court concluded the jury may draw reasonable inferences from the evidence, but it may not supply a damages number by speculation. The court did not find any of the plaintiffs’ remaining argument persuasive either. The court reversed the denial of Universal’s remittitur motion and motion for new trial as to damaged and remanded the case. The court ended its opinion with advising the trial court must determine whether replacement cost value or actual cash value is the property measure of damages under the policy and order remittitur in an amount consistent with that determination and the evidence.

News

106 Marshall Dennehey Attorneys Recognized in the 2027 Editions of The Best Lawyers in America® and the Best Lawyers: Ones to Watch® in America

Marshall Dennehey is proud to highlight the firm’s 106 attorneys who have been recognized in the 2027 editions of The Best Lawyers in America® and the Best Lawyers: Ones to Watch® in America. Less than 6% of all practicing lawyers in the U.S. were selected by their peers for this recognition. Additionally, four of the firm’s attorneys received the Best Lawyers® 2027 “Lawyer of the Year” awards in their respective practice areas and demographic regions. Since it was first published in 1983, Best Lawyers® has become universally regarded as the definitive guide to legal excellence. Best Lawyers lists are compiled based on an exhaustive peer-review evaluation. For more information, please visit https://www.bestlawyers.com/. OUR 2027 LAWYERS OF THE YEAR Harrisburg, PA Christopher Reeser, Personal Injury Litigation - Defendants Kacey Wiedt, Workers Compensation Law - Employers Roseland, NJ Justin F. Johnson, Medical Malpractice Law - Defendants Leonard Leicht, Personal Injury Litigation - Defendants   OUR 2026 BEST LAWYERS IN AMERICA Philadelphia, PA Nicholas D. Bowers, Personal Injury Litigation - Defendants Josh J. T. Byrne, Professional Malpractice Law - Defendants Jefferey J. Chomko, Insurance Law James H. Cole, Insurance Law John J. Delany III, Personal Injury Litigation - Defendants Laurianne Falcone, Personal Injury Litigation - Defendants John P. Gonzales, Employment Law - Management John Hare, Appellate Practice Daniel D. Krebbs, Personal Injury Litigation - Defendants Michele Punturi, Workers' Compensation Law - Employers Bradley D. Remick, Product Liability Litigation - Defendants Andrea Cicero Rock, Workers' Compensation Law - Employers Robin M. Romano, Workers' Compensation Law - Employers Daniel J. Ryan, Jr., Personal Injury Litigation - Defendants Gary M. Samms, Professional Malpractice Law - Defendants Christopher N. 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