Christopher John Roelke, Karin Eriko Roelke, and their conjugal partnership v. Zachary Zeltzer, Lauren Zeltzer, their conjugal partnership, and Universal Insurance Company

CourtDistrict Court, D. Puerto Rico
DecidedMarch 4, 2026
Docket3:22-cv-01426
StatusUnknown

This text of Christopher John Roelke, Karin Eriko Roelke, and their conjugal partnership v. Zachary Zeltzer, Lauren Zeltzer, their conjugal partnership, and Universal Insurance Company (Christopher John Roelke, Karin Eriko Roelke, and their conjugal partnership v. Zachary Zeltzer, Lauren Zeltzer, their conjugal partnership, and Universal Insurance Company) is published on Counsel Stack Legal Research, covering District Court, D. Puerto Rico primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

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Christopher John Roelke, Karin Eriko Roelke, and their conjugal partnership v. Zachary Zeltzer, Lauren Zeltzer, their conjugal partnership, and Universal Insurance Company, (prd 2026).

Opinion

FOR THE DISTRICT OF PUERTO RICO

CHRISTOPHER JOHN ROELKE, ET AL.,

Plaintiff,

v. Civil No. 22-1426 (ADC)

ZACHARY ZELTZER, ET AL.

Defendants.

OPINION AND ORDER Before the Court is a motion for summary judgment, as well as an accompanying statement of uncontested material facts (“SUMF”), filed by defendants Zachary Zeltzer, Lauren Zeltzer (“Zeltzers”), their conjugal partnership, and Universal Insurance Company (each one individually, “defendant,” and together “defendants”) on March 28, 2025. ECF Nos. 74, 74-1, 74-7. Plaintiffs Christopher John Roelke, Karin Eriko Roelke (“Roelkes”), and their conjugal partnership (each one individually, “plaintiff,” together, “plaintiffs,” and with the defendants, the “parties”) filed a response in opposition on April 25, 2025, with an accompanying opposing statement of uncontested material facts (“OSUMF”) and an additional statement of uncontested material facts (“ASUMF”). ECF Nos. 78, 78-1, 78-2. Defendants filed a reply on February 24, 2025, with an accompanying reply to the ASUMF (“RASUMF”). ECF Nos. 83, 83-3, 83-4. For the reasons set forth below, the defendant’s motion for summary judgment is GRANTED and plaintiffs’ claims are DISMISSED WITH PREJUDICE. I. Procedural Background Plaintiffs’ complaint centers on an incident between the Zeltzers’ son, Z.Z., and the Roelkes’ daughter, T.R., both of whom were seven years old at the time of the incident. See ECF No. 30, ¶¶ 1, 3. Plaintiffs allege that, during the celebrations of defendants’ May 15, 2020 vow

renewal ceremony, Z.Z. injured T.R. with a kids’ golf putter. See id., ¶¶ 15, 24. The incident occurred in the backyard of the Zeltzer’s Dorado residence, where they had a mini golf putting green, and where the children of the adult vow renewal attendees were playing together. Id., ¶¶ 17, 20. This area was adjacent to a white tent where the vow renewal celebrations took place. Id.,

¶ 17. Neither the Zeltzer nor Roelke parents witnessed the occurrence of the incident in question. See id., ¶¶ 21-22, 24. Christopher Roelke discovered the occurrence of the incident when he went to the backyard, found T.R. crying, and heard from Z.Z. that he had unintentionally hit T.R. with

the putter. Id., ¶¶ 23-24. The Roelkes sought medical treatment for T.R. after the incident. ECF No. 30, ¶¶ 27-29. Plaintiffs allege that the incident has resulted in long-lasting medical consequences for their daughter and personal complications for their family. Id., ¶¶ 29-37. Plaintiffs claim that T.R. has

suffered from “various pains and consequences associated with the accident,” including: [P]ost-concussion syndrome and other conditions to include: neck pain; trauma to the brain; [c]hronic post traumatic headaches; visual changes; hypoesthesia of the skin; feeling mentally foggy; difficulty remembering; difficulty in concentration; sleeping disorders (difficulty falling asleep and insomnia); irritability; sadness; nervousness; balance problems; fatigue; nausea; stress; anger; dizziness; giddiness; vision problems and visual disturbances; sensitivity to noise; sensitivity to light and drowsiness.

Id., ¶¶ 31, 33. Additionally, plaintiffs allege that T.R. suffers from “PTSD,” “feels sad and depressed” and “no longer enjoys various activities and pleasures of life that she was able to enjoy . . . prior to the accident.” Id., ¶ 37. Plaintiffs claim $5 million in damages for T.R.’s injury. Id., ¶ 38. Plaintiffs claim an additional $1 million for Christopher Roelke’s damages related to the incident, including “stress and strain to the marital relationship with his wife” and “mental anguish.” Id., ¶ 46. As to Karin Roelke, plaintiffs claim $1 million in damages for stress, “devot[ion of] additional time to her daughter TR” and “mental anguish.” Id., ¶¶ 53-54. Plaintiffs also claim $3 million for “past, present and future medical expenses” for T.R.,

$2 million for “additional economical damages suffered by the Roelke conjugal society,” and $300,000 for “future debts and liens, assessment and litigation expense.” Id., ¶¶ 56-58. Plaintiffs voluntarily dismissed their damages claims for lost income. ECF Nos. 68, 77.

On October 24, 2022, defendants answered the complaint. ECF No. 7. Plaintiffs filed an amended complaint on November 27, 2023, ECF No. 30, to which defendants again filed answers. See ECF No. 32 (Zeltzers’ Answer); ECF No. 36 (Universal Insurance Company Answer); ECF No. 37 (Cincinnati Insurance Company Answer).

Throughout the years 2023 and 2024, the parties conducted discovery. On March 28, 2025, defendants filed a motion for summary judgment and an SUMF. ECF Nos. 74, 74-1, 74-7. Plaintiffs responded on April 25, 2025, and submitted an OSUMF. ECF Nos. 78, 78-1, 78-2. Defendants replied on May 19, 2025, and submitted an ROSUMF. ECF Nos. 83, 83-3, 83-4. II. Legal Standard Through summary judgment, courts “pierce the boilerplate of the pleadings and assay

the parties’ proof in order to determine whether trial is actually required.” Wynne v. Tufts Univ. Sch. of Med., 976 F.2d 791, 794 (1st Cir. 1992). A court may grant summary judgment only when the pleadings and the evidence demonstrate that “there is no genuine dispute as to any material fact and the movant is entitled to judgment as a matter of law.” Fed. R. Civ. P. 56(a). See also

Sands v. Ridefilm Corp., 212 F.3d 657, 660 (1st Cir. 2000). A factual dispute is “genuine” if it could be resolved in favor of either party, and it is “material” if it potentially affects the outcome of the case. See Calero-Cerezo v. U.S. Dep’t of Justice, 355 F.3d 6, 19 (1st Cir. 2004); Murray v. Warren

Pumps, LLC, 821 F.3d 77, 83 (1st Cir. 2016) (citations omitted); Fed. R. Civ. P. 56(a). Although the court states the facts in the light most favorable to the party against whom summary judgment is entered, the court is still required “to determine whether either of the parties deserves judgment as a matter of law on facts that are not disputed.” Adria Int'l Grp., Inc.

v. Ferre Dev., Inc., 241 F.3d 103, 107 (1st Cir. 2001) (citation omitted). The court must review the record “taken as a whole,” and “may not make credibility determinations or weigh the evidence.” Reeves v. Anderson Plumbing Productions Inc., 530 U.S. 133, 135 (2000). Credibility

determinations, the weighing of the evidence, and the drawing of legitimate inferences from the facts are functions of a jury, not of a judge. See id. Thus, to prevail at the summary judgment stage, defendants must demonstrate that, even admitting well-pleaded allegations in the light most favorable to plaintiffs, the applicable law compels a judgment in their favor. In evaluating a negligence case at the summary judgment stage, “a court should be cautious in using the summary judgment device to dispose of such cases” because

“determinations of foreseeability and of whether a defendant acted reasonably fall within the province of the jury.” Chapman v. E.S.J. Towers, Inc., 803 F. Supp. 571, 573 (D.P.R. 1992).

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Christopher John Roelke, Karin Eriko Roelke, and their conjugal partnership v. Zachary Zeltzer, Lauren Zeltzer, their conjugal partnership, and Universal Insurance Company, Counsel Stack Legal Research, https://law.counselstack.com/opinion/christopher-john-roelke-karin-eriko-roelke-and-their-conjugal-partnership-prd-2026.