Monnie Loveless v. Gsh Investments, LLC

Court of Appeals of Georgia·Decided March 26, 2026·No. A26A0113·Published

Opinion

FIRST DIVISION

BARNES, P. J.,

MARKLE and HODGES, JJ.

NOTICE: Motions for reconsideration must be physically received in our clerk’s office within ten days of the date of decision to be deemed timely filed.

https://www.gaappeals.us/rules

March 26, 2026

In the Court of Appeals of Georgia A26A0113. LOVELESS v. GSH INVESTMENTS, LLC.

BARNES, Presiding Judge.

After she was injured when an exterior staircase collapsed at an apartment complex, Monnie Loveless brought this premises liability action against the owner of the complex, GSH Investments, LLC (“GSH”). The trial court denied two of Loveless’ motions to compel additional discovery and granted GSH’s motion for summary judgment. On appeal, Loveless contends that genuine issues of material fact precluded the grant of summary judgment in favor of GSH. She also challenges the trial court’s denial of her motions to compel. For the reasons discussed below, we reverse the trial court’s grant of summary judgment to GSH and affirm the court’s denial of the motions to compel.

Summary judgment is proper when there is no genuine issue of material fact and the movant is entitled to judgment as a matter of law.

A de novo standard of review applies to an appeal from a grant of summary judgment, and we view the evidence, and all reasonable conclusions and inferences drawn from it, in the light most favorable to the nonmovant.

Pollard v. Deloach, 372 Ga. App. 303, 304(1) (903 SE2d 329) (2024). See OCGA § 9- 11-56(c).

So viewed, the evidence shows that in July 2020, GSH purchased the Drew Lane Apartments located in Walker County, Georgia. The complex included apartment buildings and duplexes. Several duplexes were designed with a set of wooden stairs that ascended from the ground to a covered landing where the entrances to two rental units were located.

While GSH was in the process of securing financing for the purchase of the apartment complex, the bank underwriting the loan obtained an appraisal report for the complex that was shared with GSH. At the time of the appraisal, approximately 50 percent of the rental units were occupied. The appraisal report described the condition of the buildings as “below average” in light of “deferred maintenance” and noted that the units needed “remodeling/updating.” The report further specified that

GSH “plan[ned] to update units and correct deferred maintenance prior to re-leasing units.”

GSH was also provided with a survey report prepared for its insurer. The survey report included an evaluation of one of the duplexes and noted “maintenance concerns” with the “[e]xterior [f]acade,” the gutters and downspouts, and the roof. The report also indicated that the “[r]oof has algae streaking, lifting shingles, and granular loss on all slopes,” and that there was “[d]ebris in the gutters on the rear.”

After receiving the appraisal and survey reports, GSH did not perform an inspection of the exteriors of the buildings or of the stairways to the duplexes as part of its renovations to the rental units. GSH did not establish a formal inspection process for the premises and instead relied on tenants and prospective tenants to identify and report any problems that needed correction.

After purchasing the apartment complex, GSH began renovating the rental units so that they could be leased to new tenants and began advertising units for lease. Because of the ongoing renovation work, GSH required prospective tenants to get approval before viewing any of the rental units. However, the leasing office was located approximately 30 minutes away from the apartment complex, and GSH

sometimes allowed prospective tenants to view unlocked rental units unaccompanied by and without the supervision of any employees.

In early August 2020, Loveless’ adult daughter, Amanda Loveless,1 saw an online advertisement for the apartment complex and submitted a rental application. After Amanda was approved to rent an apartment, she visited the apartment complex four times. GSH allowed Amanda to visit the rental units as they were being renovated so that she could choose which unit she wanted to rent, left the units unlocked, did not require her to schedule a particular time for a visit, and did not supervise or meet with her at the complex when she visited. GSH representatives never restricted Amanda from bringing friends or family with her during the visits. During her second and third visits to the apartment complex, Amanda brought a friend, and on her fourth visit she brought Loveless, her children, and her niece.

Before her first and second visits, Amanda spoke with a GSH representative and was given permission to go to the apartment complex and look at the different units that were in the process of being renovated. Before her third visit, Amanda learned that unit 11, one of the duplex units, would be the first to have its renovations

1 We will refer to Amanda Loveless by her first name for clarity.

completed and was available to rent, and she spoke with a GSH representative about visiting it. The representative gave her permission to visit the unit.

Unit 11 had several wooden stairs that led up to a landing that it shared with another unit, and Amanda did not notice any problems with the staircase when she traversed it during her third visit. After visiting unit 11, Amanda texted with a GSH representative about additional renovations to the interior of the unit. On September 1, 2020, Amanda paid a rental deposit for unit 11, and the parties scheduled September 11 as the date for her to sign the lease and move in.

On September 4, 2020, Amanda visited the apartment complex for a fourth time. Amanda took Loveless with her to unit 11 so that Loveless could “check out” the unit as “security” before Amanda moved into the unit. Amanda did not speak again with a GSH representative before the fourth visit, believing that she had permission to revisit unit 11 in light of their prior conversations.

After Amanda and Loveless arrived at unit 11, Amanda successfully walked up the staircase to the landing in front of the unlocked unit door. However, as Loveless ascended the staircase, it collapsed suddenly and without warning, and she fell backwards, suffering a severe laceration to her right leg.

A licensed professional engineer retained by Loveless evaluated the exterior of the duplex and photographs of the collapsed staircase to unit 11, and she concluded that the collapse of the stairs was caused by wood rot, that the wood rot was caused by water damage, and that the water damage was caused by improper gutter maintenance. The engineer further noted that photographs of the collapsed staircase showed that the stairs had visible dark discoloration, which, she opined, was a “sign that there [was] something wrong” and was indicative of concentrated roof runoff and potential wood rot.

Loveless commenced this premise liability suit against GSH,2 asserting that she was an invitee of GSH at the time of the staircase collapse, that GSH had actual and/or constructive knowledge of the hazard posed by the stairs, and that GSH was liable for failing to exercise ordinary care to keep the premises safe as required by OCGA § 51-3-1. GSH answered, denying liability. As the litigation progressed, several discovery disputes arose between the parties, and while the trial court partially granted Loveless’ first motion to compel, the court denied her second and third motions.

2 Loveless also initially sued GSH Properties Corporation and several John Doe defendants, but the trial court later entered a consent order dismissing those parties from the case without prejudice.

GSH moved for summary judgment, and the trial court granted the motion.

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