Harvest Cathedral v. Church Mutual Insurance Company, S.I.

CourtDistrict Court, E.D. Louisiana
DecidedJuly 16, 2025
Docket2:23-cv-05664
StatusUnknown

This text of Harvest Cathedral v. Church Mutual Insurance Company, S.I. (Harvest Cathedral v. Church Mutual Insurance Company, S.I.) is published on Counsel Stack Legal Research, covering District Court, E.D. Louisiana primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Harvest Cathedral v. Church Mutual Insurance Company, S.I., (E.D. La. 2025).

Opinion

UNITED STATES DISTRICT COURT EASTERN DISTRICT OF LOUISIANA

HARVEST CATHEDRAL D/B/A CIVIL ACTION MESSIAH MONTESSORI

VERSUS NO: 23-5664

CHURCH MUTUAL INSURANCE SECTION: T (2) COMPANY, S.I.

ORDER AND REASONS Before the Court are various motions to strike. R. Docs. 41, 42, 44, 52. For the following reasons, Defendant’s Motion to Strike Plaintiff’s Expert Witnesses, R. Doc. 41, is GRANTED IN PART AND DENIED IN PART; Defendant’s Motion to Strike Plaintiff’s Lay Witnesses and Exhibit List, R. Doc. 42, is GRANTED; Plaintiff’s Motion to Strike Defendant’s Expert Witnesses, R. Doc. 44, is DENIED; and Defendant’s Motion to Strike Plaintiff’s Engineering Report, R. Doc. 52, is DENIED. BACKGROUND 1. Factual History This is a Hurricane Ida case. Both parties have filed dueling motions to exclude expert witnesses, and the defendant seeks to exclude the plaintiff’s lay witnesses and exhibit list. R. Docs. 41, 42, 44, 52. The plaintiff is Harvest Cathedral d/b/a Messiah Montessori (“Plaintiff”). It owns three church buildings located in Houma, Louisiana (“the Buildings”). Plaintiff alleges the Buildings suffered damage during Hurricane Ida on August 29, 2021. It filed a claim with its insurance company, Church Mutual Insurance Company, S.I., (“Defendant”). Dissatisfied with the way its 1 claim was handled, including both the payment it received and the time it took to receive payment, Plaintiff filed this lawsuit. Plaintiff’s complaint alleges breach of contract and bad faith under La. R.S. 22:1892 and 22:1973. R. Doc. 1-3. Defendant issued Policy No. 0113927-02-208748 to Plaintiff for the period of April 10,

2021, to April 10, 2022 (“the Policy”). The Policy insured the Buildings and was in effect at landfall. It contains a blanket limit of insurance of $4,244,400.00 for building and personal property. 2. Procedural History The Court’s Amended Scheduling Order set a deadline of December 19, 2024, for Plaintiff’s Expert Reports and a deadline of January 17, 2025, for Defendant’s Expert Reports. R. Doc. 19. On December 13, 2024, the parties jointly moved for a 15-day extension to each deadline. R. Doc. 26. The Court granted the motion and continued Plaintiff’s Expert Report Deadline to January 3, 2025. R. Doc. 28. The parties then informally agreed to continue Plaintiff’s Expert Report Deadline to January 7, 2025. R. Doc. 41-1 at p. 3. On January 7, 2025, Plaintiff, through

counsel, emailed Defendant its Rule 26 Expert Disclosures and asked Defendant to confirm receipt. R. Doc. 54-2. Defendant’s counsel, however, emailed Plaintiff’s counsel the next day stating they did not receive the documents. R. Doc. 54-7 at p. 2. Plaintiff then sent a new email and Defendant received Plaintiff’s Rule 26 Expert Disclosures a day late—on January 8, 2025. R. Doc. 54-7 at p. 1. In Plaintiff’s Rule 26 Expert Disclosures, Plaintiff lists three retained experts: Rick Nelson and Matthew Merrell from The Structural Alliance (“TSA”) (collectively the “TSA witnesses”), and Michael Fried from Strategic Claims Consulting. R. Doc. 41-1 at pp. 1-2. Plaintiff also listed

2 twelve (12) non-retained experts, mostly tradesmen who had evaluated the Buildings as part of the claims process. However, Plaintiff’s Rule 26 disclosure did not include a report for Matthew Merrell. See R. Doc. 41-3. Instead, Plaintiff had mistakenly attached an expert report for a different matter. R. Doc. 41-4.

Defendant did not inform Plaintiff of this error. Instead, on January 31, 2025, it elected to file a motion to strike Plaintiff’s experts, retained and non-retained. R. Doc. 41. Now made aware of its error, Plaintiff the same day emailed Defendant Matthew Merrell’s “expert engineering report” (“the Merrell Report”). See R. Doc. 52-1 at p. 3. Defendant nonetheless filed a separate motion to strike the Merrell Report. R. Doc. 52. Also at bar are Defendant’s Motion to Strike Plaintiff’s Witness and Exhibit Lists, R. Doc. 42, and Plaintiff’s Motion to Strike Defendant’s Experts, R. Doc. 44. Plaintiff submitted its Witness and Exhibit List on January 17, 2025. R. Docs. 34, 35. It also submitted a supplemental Exhibit List on July 11, 2025. R. Doc. 80. The Witness List has over 65 lay witness listings, many without names. See R. Doc. 36. Plaintiff’s exhibits are not Bates numbered. See R. Docs. 35, 80.

Defendant, however, did not submit a Rule 26 disclosure. See R. Doc. 44-1. Instead, it sent Plaintiff a timely email on February 3, 2025, attaching a joint expert report from Lori Cox and Neil Wright of ProNet Group, Inc., Defendant’s retained experts. R. Docs. 44-4, 44-5. Lori Cox is a professional engineer, who is expected to provide expert engineering testimony regarding the scope of the loss. R. Doc. 36. Neil Wright is a building consultant, who is expected to provide expert testimony regarding the cost to repair storm related damages. Id. Defendant claims it does not plan to present any non-retained expert testimony. R. Doc. 50.

3 LAW & ANALYSIS 1. Legal Standard This district has long disfavored motions in limine. Auenson v. Lewis, No. 94-2734, 1996

WL 457258, at *1 (E.D. La. Aug. 12, 1996) (internal citations omitted). “[A] motion in limine [] prohibit[s] opposing counsel from mentioning the existence of, alluding to, or offering evidence on matters so highly prejudicial to the moving party that a timely motion to strike or an instruction by the court to the jury to disregard the offending matter cannot overcome its prejudicial influence on the jurors’ mind.” MGMTL, LLC v. Strategic Tech., No. 20-2138, 2022 WL 594894, at *2 (E.D. La. Feb. 28, 2022) (internal quotations omitted). Federal Rule of Evidence 403 allows the Court to exclude prejudicial evidence. “The court may exclude relevant evidence if its probative value is substantially outweighed by a danger of one or more of the following: unfair prejudice, confusing the issues, misleading the jury, undue delay, wasting time, or needlessly presenting cumulative evidence.” Fed. R. Evid. 403.“Unfair

prejudice…means an undue tendency to suggest decision on an improper basis, commonly, though not necessarily, an emotional one.” Old Chief v. United States, 519 U.S. 172, 180 (1997) (internal quotations omitted). “Relevant evidence is inherently prejudicial; but it is only unfair prejudice, substantially outweighing probative value, which permits exclusion of relevant matter under Rule 403.” United States v. Pace, 10 F.3d 1106, 1115-16 (5th Cir. 1993) (emphasis added). “The exclusion of evidence under Rule 403 should occur only sparingly[.]” Id. “[E]vidence should not be excluded before trial unless it is clearly inadmissible on all potential grounds.” Rivera v. Robinson, 464 F. Supp. 3d 847, 853 (E.D. La. 2020).

4 2. Motions to Exclude Expert Witnesses—R. Docs. 41, 44, 52. Both sides seek to exclude the other’s expert witnesses for failing to comply with Rule 26. R. Docs. 41, 44, 52. The Federal Rules of Civil Procedure impose disclosure requirements on proponents of

expert testimony. Fed. R. Civ. P. 26. Rule 26(a)(2)(B) requires written expert reports for retained experts. Disclosure of a witness “must be accompanied by a written report—prepared and signed by the witness—if the witness is one retained or specially employed to provide expert testimony in the case.” See, e.g., Jackson v. Burger King Corp., No.

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Related

United States v. Pace
10 F.3d 1106 (Fifth Circuit, 1993)
Old Chief v. United States
519 U.S. 172 (Supreme Court, 1997)

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Harvest Cathedral v. Church Mutual Insurance Company, S.I., Counsel Stack Legal Research, https://law.counselstack.com/opinion/harvest-cathedral-v-church-mutual-insurance-company-si-laed-2025.