The opinion of the court was delivered by: Joan B. Gottschall United States District Judge
MEMORANDUM OPINION & ORDER
Plaintiff Edgewater Beach Apartments Corporation ("EBAC"), an Illinois entity, has brought suit against Defendant Frontier Insurance Company ("Frontier"), a New York entity, alleging that Frontier breached a performance bond and payment bond by refusing to perform on these bonds. The court previously granted dismissal of EBAC's Amended Complaint because EBAC's allegations therein made clear it brought its claims after applicable limitations period under each bond. Recognizing that EBAC alleged some facts suggesting Frontier had waived or was estopped from asserting the limitations period, however, the court allowed EBAC the opportunity to re-plead. EBAC filed its Second Amended Complaint, of which Frontier now seeks dismissal, again on the ground that EBAC's causes of actions are barred by the limitations period.*fn1
The parties agree, and the pleadings in this case bear out, that the contractual limitations period expired before EBAC filed suit. Therefore, EBAC's Second Amended Complaint can avoid dismissal only if Frontier waived the limitations period defense or is estopped from raising it. Mathis v. Lumbermen's Mut. Cas. Ins. Co., 822 N.E.2d 543, 547-48 (Ill. App. Ct. 2004). Neither party has raised any argument or pointed to any allegations suggesting that Frontier is estopped from raising the limitations period. The court therefore considers only whether the Second Amended Complaint sufficiently alleges that Frontier waived the limitations period.
A threshold issue between the parties is the pleading standard relevant to EBAC's claims. A state-law claim proceeding in federal court on the basis of diversity jurisdiction is subject to federal notice pleading standards. See Windy City Metal Fabricators & Supply, Inc., 536 F.3d 663, 670-72 (7th Cir. 2008). On a Rule 12(b)(6) motion, the court must accept as true the allegations of the complaint and draw all reasonable inferences in favor of the plaintiff. Pisciotta v. Old Nat'l Bancorp, 499 F.3d 629, 633 (7th Cir. 2007) (internal citation omitted). Legal conclusions, however, are not entitled to any assumption of truth. Ashcroft v. Iqbal, 129 S.Ct. 1937, 1949-50 (2009).
To survive a Rule 12(b)(6) motion, "the complaint need only contain a 'short and plain statement of the claim showing that the pleader is entitled to relief.'" EEOC v. Concentra Health Servs., Inc., 496 F.3d 773, 776 (7th Cir. 2007) (quoting Fed. R. Civ. P. 8(a)(2)). The allegations must provide the defendant with "fair notice of what the . . . claim is and the grounds upon which it rests." Bell Atl. Corp. v. Twombly, 550 U.S. 544, 555 (2007) (citing Conley v. Gibson, 355 U.S. 41, 47 (1957)). Under Federal Rule of Civil Procedure 8(a)(2), the plaintiff bringing a general claim need not plead particularized facts, but the factual allegations in the complaint must be sufficient to "state a claim to relief that is plausible on its face[.]" Id. at 570; see also Iqbal, 129 S.Ct. at 1949 ("A pleading that offers 'labels and conclusions' or 'a formulaic recitation of the elements of a cause of action will not do.'") (citing Twombly, 550 U.S. at 555).
Turning to the parties' dispute, EBAC is indeed correct that the Federal Rules of Civil Procedure, even given the gloss of Twombly and Iqbal, establish a notice-pleading regime. However, the sufficiency of any such notice, as described above, must be measured by the facts alleged, and not by legal conclusions. Therefore, EBAC's contention that "a plaintiff in a federal case is not required to plead facts supporting its 'conclusions'" is poorly taken; legal conclusions are entitled to no weight, see Iqbal, 129 S.Ct. at 1949-50,so that a pleader who rests on his conclusions fails to meet even the comparatively low federal pleading standard.
The facts that EBAC pleads must be sufficient to give notice that it is entitled to relief. Here, that notice is complicated by EBAC's allegations it did not file suit until after the expiration of the contractual limitations period. That being so, EBAC bears the burden of pleading waiver, just as it bore the burden of pleading its initial case. See Kincheloe v. Farmer, 214 F.2d 604, 605 (7th Cir. 1954) ("Plaintiff by the allegations of his complaint erected the limitation bar and it was his duty in order to extricate himself therefrom to plead any exceptions upon which he relied."); see also Weismann Institute of Sci. v. Neschis, 421 F. Supp. 2d 654, 684-85 (S.D.N.Y. 2005); Bowden v. United States, 106 F.3d 433, 437 (D.C. Cir. 1997) (noting that, in Title VII action, plaintiff bears burden of pleading "facts supporting equitable avoidance of the defense"). To do so, it must plead dates suggesting that waiver applies. See Fed. R. Civ. P. 9(f) (noting that allegations of time and date are material to disposition of Rule 12(b)(6) motion); see also Kincheloe, 214 F.2d at 605.
Applying the appropriate pleading standards, the relevant questions are whether EBAC has adequately pleaded facts giving reasonable notice to Frontier of a valid claim of waiver. Evaluation of EBAC's allegations first requires an understanding of Illinois law on waiver. As Frontier asserts, "Waiver arises from an affirmative act and not by operation of law. It is consensual and consists of the intentional relinquishment of a known right." W. Cas. & Sur. Co. v. Brochu, 475 N.E.2d 872, 878 (Ill. 1985) (citations omitted). The words or conduct of an insurer "must be inconsistent with the intention to rely on the requirements of the policy" to constitute waiver. Nat'l Tea Co. v. Commerce & Indus. Ins. Co., 456 N.E.2d 206, 213 (Ill. App. Ct. 1983) (internal quotation marks and citation omitted). However, "consensual" and "intentional" are not synonymous with "express," and "A waiver may be express or implied, arising from acts, words, conduct, or knowledge of the insurer. It is unilateral, as no act of the insured is necessary to complete it." Brochu, 475 N.E.2d at 878 (citations omitted). Still, implied waiver cannot be established by half-measures; rather, "where waiver is implied from conduct, the act . . . must be clear, unequivocal, and decisive." Nat'l Tea Co., 456 N.E.2d at 213. "Waiver also may be shown by facts from which it would appear that the enforcement of the provision would be unjust or unconscionable." Mathis, 822 N.E.2d at 548 (internal citation omitted).
Here, the limitations period ran on February 14, 2008. EBAC alleges that "Frontier has waived compliance with the time limitations." (Compl. ¶ 16.) As explained above, this conclusory allegation, standing alone, is entitled to no weight. EBAC then alleges that in May 2008 it demanded a determination on its claim, and that the Frontier rehabilitator did not respond until October 2008. (Id.) However, EBAC's demand and Frontier's response both came after the expiration of the limitations period. Neither party has briefed whether EBAC's demand, made after the expiration of the limitations period, followed by a similarly out-of-time response by the Frontier rehabilitator, constitutes a waiver by Frontier. While an insurer risks waiver of a contractual limitations period by not responding to a claim within that period, see ...