Elias Makere v. Allstate Insurance Company

CourtCourt of Appeals for the Eleventh Circuit
DecidedOctober 29, 2025
Docket24-11336
StatusUnpublished

This text of Elias Makere v. Allstate Insurance Company (Elias Makere v. Allstate Insurance Company) is published on Counsel Stack Legal Research, covering Court of Appeals for the Eleventh Circuit primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Elias Makere v. Allstate Insurance Company, (11th Cir. 2025).

Opinion

USCA11 Case: 24-11336 Document: 50-1 Date Filed: 10/29/2025 Page: 1 of 26

NOT FOR PUBLICATION

In the United States Court of Appeals For the Eleventh Circuit ____________________ No. 24-11336 Non-Argument Calendar ____________________

ELIAS MAKERE, FSA, MAAA, Plaintiff-Appellant, versus

ALLSTATE INSURANCE COMPANY, Defendant-Appellee. ____________________ Appeal from the United States District Court for the Middle District of Florida D.C. Docket No. 3:20-cv-00905-MMH-LLL ____________________

Before ROSENBAUM, JILL PRYOR, and ABUDU, Circuit Judges. PER CURIAM: Elias Makere, proceeding pro se, sued his former employer Allstate Insurance Company, bringing a variety of state and federal USCA11 Case: 24-11336 Document: 50-1 Date Filed: 10/29/2025 Page: 2 of 26

2 Opinion of the Court 24-11336

employment-related claims. In a series of orders, the district court dismissed most of Makere’s claims at the pleadings stage and later granted Allstate summary judgment on the remaining ones. Mak- ere appeals. After careful consideration, we affirm. I. In 2013, Allstate hired Makere, a Black man, as an actuarial technician. When Makere was hired, he was admitted into All- state’s actuarial career program with the goal that he would obtain admission as a fellow in the Society of Actuaries. To be credentialed as a fellow, an applicant must pass a series of actuarial exams. All- state requires employees in its actuarial career program to progress in passing actuarial exams. If an employee fails a single exam three times, his employment may be terminated. When Makere was hired, he had already passed six exams and had four more to go before he was eligible to become a fellow in the Society of Actuar- ies. Makere worked at Allstate for a few years. He says that while employed at Allstate, he was harassed and discriminated against because of his race and sex and also subjected to retaliation. Allstate terminated Makere’s employment after he failed an actuarial exam three times. On August 12, 2016, Allstate notified him that he was terminated. He asserts that he was terminated be- cause of his race, color, and gender and in retaliation for engaging in protected conduct. After his termination, Makere raised discrimination and re- taliation claims against Allstate. In June 2017, he filed an USCA11 Case: 24-11336 Document: 50-1 Date Filed: 10/29/2025 Page: 3 of 26

24-11336 Opinion of the Court 3

administrative complaint with the Florida Commission on Human Rights (“FCHR”). In April 2019, he filed a second administrative complaint; this time with both the FCHR and the Equal Employ- ment Opportunity Commission (“EEOC”). In this section, we re- view the proceedings related to each administrative complaint and then the procedural history of this lawsuit. A. We begin with Makere’s 2017 administrative complaint. On June 30, 2017, Makere, proceeding pro se, filed a complaint with the FCHR. He alleged that he was subjected to race discrimination and retaliation while working at Allstate and when he was terminated. 1 After investigating Makere’s complaint, the FCHR issued a decision on December 15, 2017, finding “no reasonable cause exists to believe that an unlawful practice occurred.” Doc. 73-8 at 2. 2 It concluded that Makere “was terminated for failing his exam” and stated that the “investigation did not reveal evidence of discrimina- tion.” Id. It also found that the investigation did not establish that Makere had reported any discriminatory harassment to Allstate. Makere sought further review of this decision. In Janu- ary 2018, he filed a petition with Florida’s Division of Administra- tive Hearings (“DOAH”), seeking review of the FCHR’s decision and asserting that he had been subjected to race and sex

1 In the first administrative complaint, Makere did not make any allegations

based on incidents that occurred after his termination. 2 “Doc.” numbers refer to the district court’s docket entries. USCA11 Case: 24-11336 Document: 50-1 Date Filed: 10/29/2025 Page: 4 of 26

4 Opinion of the Court 24-11336

discrimination as well as retaliation. An administrative law judge (“ALJ”) held a four-day evidentiary hearing. At the hearing, sixteen witnesses, including Makere, testified. Both Makere and Allstate submitted exhibits to the ALJ. After the hearing, the ALJ issued a detailed order setting forth his findings of fact and conclusions of law. He determined that to the extent Makere’s claims relied on acts that occurred be- fore June 30, 2016, they were time barred because such acts oc- curred more than 365 days before Makere filed his administrative complaint. The ALJ further concluded that all of Makere’s discrim- ination and retaliation claims failed on the merits. The ALJ recom- mended that the FCHR issue a final order concluding that Allstate did not commit any unlawful employment practice and dismissing Makere’s petition. Makere filed exceptions to the ALJ’s recommendations. The FCHR entered a final order that adopted the ALJ’s findings of fact and conclusions of law, rejected Makere’s exceptions, and dis- missed with prejudice his 2017 administrative complaint and 2018 petition for relief. Makere sought judicial review of the agency’s final decision by appealing to Florida’s First District Court of Appeal. He argued that the FCHR had violated his due process rights. The appellate court rejected this argument and affirmed the agency’s decision. It concluded that Makere “fail[ed] to show that the agency’s action depended on any finding of fact not supported by competent, sub- stantial evidence in the record” or “to demonstrate that the fairness USCA11 Case: 24-11336 Document: 50-1 Date Filed: 10/29/2025 Page: 5 of 26

24-11336 Opinion of the Court 5

of the proceedings may have been impaired by any material error in procedure.” Makere v. Allstate Ins. Co., 301 So. 3d 443, 443 (Fla. Dist. Ct. App. 2020). On April 10, 2019, Makere filed a second administrative complaint. This time he alleged that he was subjected to race dis- crimination, sex discrimination, and retaliation while working at Allstate and after he was terminated. He filed this complaint with both the FCHR and the EEOC. In October 2019, the FCHR issued a decision finding “no reasonable cause exists to believe that an un- lawful practice occurred.” Doc. 4-7 at 2. The decision explained that the “facts and claims” asserted in Makere’s second administra- tive complaint were “identical” to those in his first and that those claims already had been dismissed. Id. The decision also stated that Makere’s claims in the second administrative complaint were based on events that took place in 2016 and thus the claims were un- timely. 3 Makere then filed a petition with the DOAH. The ALJ con- cluded that under “doctrines of res judicata, collateral estoppel, and administrative finality,” Makere’s second complaint and second pe- tition should be dismissed with prejudice. Doc. 4-10 at 4. The ALJ

3 The FCHR was required to mail a copy of its decision to Makere. When the

agency issued its decision in October 2019, it did not mail him the decision. Instead, it sent the decision to an attorney who had represented Makere in some of the proceedings related to the first charge but was not representing him for the second charge. In June 2020, the FCHR reissued its decision and sent a copy directly to Makere. USCA11 Case: 24-11336 Document: 50-1 Date Filed: 10/29/2025 Page: 6 of 26

6 Opinion of the Court 24-11336

relinquished jurisdiction to the FCHR for entry of a final order dis- missing the petition. On January 23, 2020, the EEOC issued a decision on Mak- ere’s second administrative complaint. It adopted the state agency’s findings and closed its file. The EEOC notified Makere that he could file suit against Allstate.

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