Noguero v. American Family

CourtCourt of Appeals of Arizona
DecidedOctober 20, 2016
Docket1 CA-CV 15-0364
StatusUnpublished

This text of Noguero v. American Family (Noguero v. American Family) is published on Counsel Stack Legal Research, covering Court of Appeals of Arizona primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Noguero v. American Family, (Ark. Ct. App. 2016).

Opinion

NOTICE: NOT FOR OFFICIAL PUBLICATION. UNDER ARIZONA RULE OF THE SUPREME COURT 111(c), THIS DECISION IS NOT PRECEDENTIAL AND MAY BE CITED ONLY AS AUTHORIZED BY RULE.

IN THE ARIZONA COURT OF APPEALS DIVISION ONE

ELENA NOGUERO, Plaintiff/Appellant,

v.

AMERICAN FAMILY MUTUAL INSURANCE COMPANY, Defendant/Appellee.

No. 1 CA-CV 15-0364 FILED 10-20-2016

Appeal from the Superior Court in Maricopa County No. CV2011-080366 The Honorable David M. Talamante, Judge

AFFIRMED

COUNSEL

Mayes Telles PLLC, Phoenix By J. Blake Mayes Counsel for Plaintiff/Appellant Pro Bono

Tyson & Mendes LLP, Phoenix By Lynn M. Allen, J.P. Harrington Bisceglia Counsel for Defendant/Appellee NOGUERO v. AMERICAN FAMILY Decision of the Court

MEMORANDUM DECISION

Judge Randall M. Howe delivered the decision of the Court, in which Presiding Judge Kenton D. Jones and Judge Donn Kessler joined.

H O W E, Judge:

¶1 Elena Noguero appeals several of the trial court’s evidentiary rulings during her jury trial against American Family Mutual Insurance Company (“American Family”). Noguero also appeals the trial court’s denial of her motion for judgment notwithstanding the verdict. For the following reasons, we affirm.

FACTS AND PROCEDURAL HISTORY

¶2 After a 2008 monsoon, Noguero made a claim with American Family, her homeowner’s insurance carrier, for water damage caused by water coming through the windows. An American Family adjuster inspected the home and found some water damage to areas of drywall but concluded that neither the windows nor the roof had storm-related damage. Thus, the adjuster determined that because the damages to Noguero’s home were not related to the storm, her insurance policy did not cover them. However, Noguero continued to report and file claims for water damage in her home over the next couple of years, but after each subsequent re-inspection American Family concluded that the damage was not storm-related and denied Noguero’s claims. In 2010, Noguero filed a separate claim for damages relating to a hail storm.

¶3 In 2011, Noguero sued American Family for breach of contract and breach of the covenant of good faith and fair dealing, alleging that American Family did not fully pay or properly adjust her claims relating to the 2008 and 2010 storms and caused delay in the repair of her home. Noguero also alleged that as a result of the consistent water damage, her home began to grow mold. Noguero sought actual and punitive damages, declarative relief, and attorneys’ fees.

¶4 After two years’ of discovery and pre-trial motions, the trial court granted the parties’ joint scheduling order in August 2013. The order stipulated that the deadline for all non-expert disclosures would be September 10, 2013, and the deadline for all discovery would be November

2 NOGUERO v. AMERICAN FAMILY Decision of the Court

22, 2013. On November 21, 2013, Noguero disclosed her neighbor as a non-expert witness who would testify regarding her observations of Noguero’s home before and after the storms and the measures she helped Noguero take to attempt to save Noguero’s home-based pet accessory business. American Family did not immediately object to the disclosure, but the following month moved for summary judgment regarding the breach claims and damages. The trial court ordered that neither party make further discovery motions until it could rule on American Family’s motion for summary judgment. In April 2014, the trial court granted that motion in part relating to damages.

¶5 Noguero then moved for relief from the trial court’s partial grant of summary judgment, arguing that the trial court made errors of law and fact in making its ruling. At a subsequent pre-trial conference one week before the October 2014 trial, the trial court stated that it was “inclined to grant the Plaintiff’s Motion,” but could not rule on it until American Family had an opportunity to respond. American Family accordingly responded to the motion. American Family also moved to strike Noguero’s November 21 disclosure as untimely and to preclude Noguero’s neighbor from testifying. The trial court granted American Family’s motion and precluded the neighbor from testifying.

¶6 During trial, Noguero testified that she ran a small pet accessory business out of her home, but despite her efforts, she lost roughly $1 million in inventory because of the water-damaged and moldy condition of her home. She also stated that because of the mold, she eventually felt forced to move out of her home for health reasons. Noguero testified that she rented an apartment and then a house, and moved to admit copies of her residential leases into evidence as additional expenses she incurred. American Family objected on hearsay grounds, which the trial court sustained.

¶7 At the end of Noguero’s direct testimony, a juror asked her if her neighbors’ homes experienced similar leaking through the roofs or windows after the 2008 and 2010 storms, and if so, whether the neighbors’ homes were the same model as hers. American Family objected, arguing that although Noguero could testify about what her observations of her neighbors’ homes after the storms were, the specific damages, repairs, and other related information constituted inadmissible hearsay that Noguero lacked the requisite foundation to provide. The trial court sustained the objection, however, finding the question irrelevant.

3 NOGUERO v. AMERICAN FAMILY Decision of the Court

¶8 In presenting its defense, American Family called an industrial hygienist to testify. The hygienist stated that he had gone to Noguero’s home in connection with the lawsuit to observe a “destructive test.” He related that while there, he noted stains around one window’s corners in the family room. When asked if he drew a conclusion regarding the causation of the water damage around a family room window Noguero objected for lack of foundation, arguing that the hygienist could not answer the question because he was not an engineer. Noguero also objected to the hygienist’s testimony regarding causation of water damage, arguing that American Family had disclosed another expert to provide that testimony. The trial court sustained the objection only for lack of foundation, ruling that the witness could testify regarding what leaks he observed but not opine on the cause of the leaks. The hygienist testified that the staining on Noguero’s wall was consistent with leaks coming from the windows’ corners. Noguero did not object to this testimony. The hygienist then continued to discuss potential defects in the windows, but the trial court interrupted him and reminded the jury that it had limited the hygienist’s testimony to his observations and not his opinions on causation.

¶9 Later, after excusing the jury for the day, the trial court explained its ruling to the parties. The trial court stated that although it believed that American Family had sufficiently disclosed the hygienist, he was not a causation expert and thus lacked foundation to make any conclusions to that effect. The trial court further stated that it reduced the hygienist’s testimony essentially to that of a lay witness to not violate the independent expert rule, as American Family had retained an expert witness to testify on causation matters. Noguero maintained that the hygienist’s testimony that he observed that the staining on her walls was consistent with leaks from the windows’ corners was a “roundabout” way of testifying regarding the causation of the leaks.

¶10 American Family also called one of its property claim managers to testify. The manager testified that, as part of his job, he reviews the claims adjuster’s files to ensure that the claims are properly handled and approves denial letters sent to insureds.

Free access — add to your briefcase to read the full text and ask questions with AI

Related

State v. Baltzell
857 P.2d 1291 (Court of Appeals of Arizona, 1992)
Rimondi v. Briggs
606 P.2d 412 (Arizona Supreme Court, 1980)
Brown v. United States Fidelity & Guaranty Co.
977 P.2d 807 (Court of Appeals of Arizona, 1999)
Standard Chartered PLC v. Price Waterhouse
945 P.2d 317 (Court of Appeals of Arizona, 1997)
State v. Woody
845 P.2d 487 (Court of Appeals of Arizona, 1992)
Allstate Insurance v. O'Toole
896 P.2d 254 (Arizona Supreme Court, 1995)
State v. King
245 P.3d 938 (Court of Appeals of Arizona, 2011)
Dawson v. Withycombe
163 P.3d 1034 (Court of Appeals of Arizona, 2007)
Lohmeier v. Hammer
148 P.3d 101 (Court of Appeals of Arizona, 2006)
Zimmerman v. Shakman
62 P.3d 976 (Court of Appeals of Arizona, 2003)
John Munic Enterprises, Inc. v. Laos
326 P.3d 279 (Court of Appeals of Arizona, 2014)
Goodman v. Physical Resource Engineering, Inc.
270 P.3d 852 (Court of Appeals of Arizona, 2011)
Jaynes v. McConnell
358 P.3d 632 (Court of Appeals of Arizona, 2015)

Cite This Page — Counsel Stack

Bluebook (online)
Noguero v. American Family, Counsel Stack Legal Research, https://law.counselstack.com/opinion/noguero-v-american-family-arizctapp-2016.