Kickz, et al. v. Chubb Lloyds Insurance Company of Texas, et al.

CourtDistrict Court, N.D. Texas
DecidedNovember 4, 2025
Docket4:24-cv-00824
StatusUnknown

This text of Kickz, et al. v. Chubb Lloyds Insurance Company of Texas, et al. (Kickz, et al. v. Chubb Lloyds Insurance Company of Texas, et al.) is published on Counsel Stack Legal Research, covering District Court, N.D. Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Kickz, et al. v. Chubb Lloyds Insurance Company of Texas, et al., (N.D. Tex. 2025).

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF TEXAS FORT WORTH DIVISION

KICKZ, et al., § § Plaintiffs, § § v. § Civil Action No. 4:24-cv-00824-O-BP § CHUBB LLOYDS INSURANCE § COMPANY OF TEXAS, et al., § § Defendants. §

FINDINGS, CONCLUSIONS, AND RECOMMENDATION OF THE UNITED STATES MAGISTRATE JUDGE

Before the Court are the Motion to Exclude the Expert Testimony of Kyle Lynch, brief in support, and appendix that Defendant ACE Property and Casualty Insurance Company (“ACE”) filed on October 24, 2025 (ECF Nos. 67-68), as well as the response that Plaintiff Ramadan T. Shabazz filed on October 26, 2025 (ECF No. 69). Having considered the pleadings and applicable legal authorities, the undersigned RECOMMENDS that Chief United States District Judge Reed O’Connor GRANT ACE’s Motion and EXCLUDE the testimony of Kyle Lynch. I. BACKGROUND This case involves an insurance policy that ACE issued to Kickz in April 2023 for up to $2 million in personal property coverage for the contents of a storage unit in Fort Worth. ECF No. 67 at 6. On June 2, 2023, a fire destroyed that storage unit, incinerating the building and its contents, including computer equipment purchased from Slooth, Inc. Id. Shabazz, the owner of Kickz, submitted an insurance claim for the loss, seeking the policy’s limits. Id. On July 20, 2023, Marcus Harris, a representative of Slooth, Inc., emailed ACE a price list for the suggested values of each item lost in the fire. Id. On January 16, 2024, an adjuster employed by ACE informed Shabazz that his claim had been denied. ECF No. 1-3 at 4. Shabazz then brought the present suit. See id. On August 18, 2025, Shabazz designated Kyle Lynch as his expert on “the extent of the damage to Plaintiffs’ property following the loss, the cause of those damages, the recommended

repairs for those damages, and the costs of those replacements.” ECF No. 31 at 2. In accordance with Federal Rule of Civil Procedure 26(a)(2)(B), Shabazz included Lynch’s expert report in that filing. Id. at 26-29. ACE deposed Lynch on October 10, 2025. ECF No. 67 at 7. ACE now moves to exclude Lynch’s testimony from trial, arguing that it is inadmissible because it does not qualify under Federal Rule of Evidence 702. Id. at 5. II. LEGAL STANDARDS Federal Rule of Evidence 702 governs the admissibility of expert testimony in federal court. The rule provides: [i]f scientific, technical, or other specialized knowledge will assist the trier of fact to understand the evidence or to determine a fact in issue, a witness qualified as an expert by knowledge, skill, experience, training, or education, may testify thereto in the form of an opinion or otherwise, if (1) the testimony is based upon sufficient facts or data, (2) the testimony is the product of reliable principles and methods, and (3) the witness has applied the principles and methods reliably to the facts of the case.

Fed. R. Evid. 702.

Rule 702 “charges [the] trial court[] to act as a ‘gate-keeper[].’” Pipitone v. Biomatrix, Inc., 288 F.3d 239, 244 (5th Cir. 2002). In pursuit of this role, the Court may only admit proffered expert testimony if the proponent, who bears the burden of proof, demonstrates that (1) the expert is qualified, (2) the evidence is relevant to the suit, and (3) the evidence is reliable. Kumho Tire Co. v. Carmichael, 526 U.S. 137, 147 (1999). “Before a district court may allow a witness to testify as an expert, it must be assured that the proffered witness is qualified to testify by virtue of his ‘knowledge, skill, experience, training, or education.’” United States v. Cooks, 589 F.3d 173, 179 (5th Cir. 2009) (quoting Fed. R. Evid. 702). “A district court should refuse to allow an expert witness to testify if it finds that the witness

is not qualified to testify in a particular field or on a given subject.” Id. “The object of Rule 702 is to protect juries from unreliable and irrelevant expert testimony.” In re Taxotere (Docetaxel) Prods. Liab. Litig., 26 F.4th 256, 268 (5th Cir. 2022). To be relevant, “expert testimony [must] ‘assist the trier of fact to understand the evidence or to determine a fact in issue.’” Pipitone, 288 F.3d at 245 (quoting Daubert v. Merrell Dow Pharm., Inc., 509 U.S. 579, 589 (1993)). “Relevance depends upon ‘whether [the expert’s] reasoning or methodology properly can be applied to the facts in issue.’” Knight v. Kirby Inland Marine Inc., 482 F.3d 347, 352 (5th Cir. 2007) (quoting Daubert, 509 U.S. at 593). The Court must also “ensure that any and all scientific testimony or evidence admitted is not only relevant, but reliable.” Daubert, 509 U.S. at 589 (1993). To determine the reliability of

expert testimony, the Court considers five non-exclusive factors that the court developed in Daubert: (1) “whether [the theory or technique] can be (and has been) tested;” (2) “whether the theory or technique has been subjected to peer review and publication;” (3) “the known or potential rate of error;” (4) “the existence and maintenance of standards controlling the [theory or] technique's operation;” and (5) whether the theory or technique has “general acceptance” within the scientific community. Daubert, 509 U.S. at 593-94; see also Vargas v. Lee, 317 F.3d 498, 500 (5th Cir. 2003). In evaluating these factors, the Court must focus on the reasoning or methodology underlying the expert testimony, not the ultimate conclusion. See Daubert, 509 U.S. at 594; Watkins v. Telsmith, Inc., 121 F.3d 984, 989 (5th Cir. 1997). At the most basic level, the Daubert factors act “to make certain that an expert, whether basing testimony upon professional studies or personal experience, employs in the courtroom the same level of intellectual rigor that characterizes the practice of an expert in the relevant field.” Skidmore v. Precision Printing & Packaging, Inc., 188 F.3d 606, 618 (5th Cir. 1999) (quoting Kumho Tire, 526 U.S. at 152).

The test of reliability is “a flexible one.” Kumho Tire, 526 U.S. at 138; Daubert, 509 U.S. at 594. The Supreme Court has recognized the Daubert factors “may or may not be pertinent in assessing reliability, depending on the nature of the issue, the expert's particular expertise, and the subject of his testimony.” Kumho Tire, 526 U.S. at 150. A trial court has broad latitude to determine whether Daubert’s specific factors are, or are not, reasonable measures of an expert’s reliability in a particular case. See id. at 152. After all, not every case will require an expert proficient in a scientific discipline. See id.

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Kickz, et al. v. Chubb Lloyds Insurance Company of Texas, et al., Counsel Stack Legal Research, https://law.counselstack.com/opinion/kickz-et-al-v-chubb-lloyds-insurance-company-of-texas-et-al-txnd-2025.