Pandel Ludwig v. Flaherty & Collins, Inc.

Indiana Court of Appeals·Decided March 16, 2026·No. 25A-CT-00941·Published·Judge DeBoer

Opinion

IN THE

Court of Appeals of Indiana Pandel Ludwig, FILED Mar 16 2026, 10:14 am

Appellant-Plaintiff

CLERK

Indiana Supreme Court

Court of Appeals

v. and Tax Court

Flaherty & Collins, Inc., Appellee-Defendant

March 16, 2026

Court of Appeals Case No.

25A-CT-941

Appeal from the Marion Superior Court The Honorable Gary L. Miller, Judge Trial Court Cause No.

49D03-2303-CT-13118

Opinion by Judge DeBoer

Judges Bradford and Weissmann concur.

DeBoer, Judge.

Case Summary [1] Pandel Ludwig sued Flaherty & Collins, Inc. (Flaherty) after she slipped and

fell on ice outside the fitness center in one of its apartment complexes. A jury returned a verdict in Flaherty’s favor, and Ludwig moved for a new trial on two grounds. First, she argued the trial court had erred in rejecting her proposed jury instruction on spoliation of evidence given Flaherty’s failure to preserve security camera footage from the day of her fall. Second, she claimed the way jurors completed the verdict form indicated they misunderstood the effect of their verdict. The court denied that motion, and Ludwig appeals. Because the court did not abuse its discretion in denying a new trial, we affirm.

Facts and Procedural History [2] On the afternoon of January 8, 2022, Ludwig returned home to her apartment

at a complex in Danville owned by Flaherty. As she did so, she noticed sleet and hail starting to fall and heard one of her neighbors tell a maintenance worker that it was “getting slick out . . . .” Transcript Vol. 3 at 39. She also received a weather alert on her phone notifying her of the “potential for bad weather” and she knew “there was [a] possibility of slick sidewalks . . . .” Id. at 40. Nonetheless, at around 6:00 p.m., she decided to take a short walk to the complex’s fitness center. On the way, she saw that salt had been spread in front of her apartment building, which caused her to “walk with caution” in case there were any slick spots on the sidewalk. Id. at 41.

[3] Ludwig arrived at the fitness center without incident. After exercising for some time, Ludwig’s daughter unexpectedly appeared outside the fitness center’s door. Ludwig let her in, and she told Ludwig that she had gotten into trouble at home. Ludwig decided to cut her workout short and walk back to the apartment with her daughter. Carrying a water bottle and cell phone in her hands, Ludwig left the fitness center through the same door she and her daughter had entered. She slipped and fell on the icy sidewalk outside, breaking her ankle in multiple places.

[4] A couple days later, Ludwig’s boyfriend told the complex’s office staff about Ludwig’s fall and mentioned that security cameras inside the fitness center may have recorded the incident. A Flaherty employee then reviewed the security camera footage. The camera was pointed directly at the door where Ludwig had slipped, but its view was obstructed by exercise equipment. See infra Figure 1. The employee who reviewed the footage would later claim Ludwig’s fall was not captured on the video, so she did not save it. Flaherty’s employees did, however, complete an incident report to memorialize that “Ludwig had gone to the gym [over the weekend] when she slipped and fell outside on the sidewalk . . . .” Exhibits at 22.

Figure 1: Ex. at 36.

[5] Roughly one and a half weeks after Flaherty learned of the incident, Ludwig’s attorney sent a letter of representation requesting “preservation of . . . video.” Tr. Vol. 2 at 73. But the complex’s security system was programmed to automatically delete video files after five to six days unless an employee manually saved them. So, by the time Flaherty received that letter, it claimed that all of the footage taken on the day of the incident had been recorded over.

[6] In March 2023, Ludwig filed a complaint alleging Flaherty had negligently failed to, among other things, “maintain the sidewalks of the [complex] free of ice and snow” or “use salt or another appropriate treatment timely when on notice of incoming precipitation . . . .” Appellant’s Appendix Vol. 2 at 13. A two-day jury trial was held in March 2025. The missing security camera footage was a major theme of Ludwig’s opening statement:

This is a case about a corporation that does not do what it says it’s going to do. Predictably hurt someone and then fail[] to keep the evidence.

....

[A Flaherty employee] says they put salt out for freezing rain . . .

. [I]nterestingly, you will find out that she says that . . . the video of the incident was deleted. Then she later on in the deposition says, no, I watched it, but then it didn’t really show anything . . .

because there’s a giant exercise machine blocking the view of the door. But you’ll also see that there’s a big window right here with no blinds on it that has the sidewalk going to the door . . . .

[S]o that video presumably would have shown whether a worker went down the sidewalk with salt. . . . But we don’t have that video to show that they did what they said that they did.

....

And if you look at all the evidence, we do ask you to use common sense about . . . [w]hat it really means when they say, oh, the video didn’t show anything, but we don’t have the video.

Tr. Vol. 2 at 17-21, 25.

[7] Ludwig also highlighted the surveillance footage in her case-in-chief. Her attorney extensively questioned Flaherty’s property manager about when

Flaherty was notified of Ludwig’s fall and when the footage had been deleted, including in the following exchange:

Q: [Y]ou’re saying that by the time you [knew] you need[ed] to preserve that video, the video had already been automatically deleted?

A: Correct.

....

Q: The letter I’m showing that we sent roughly a week and a half after [Ludwig’s ] injury, . . . do you know how many days the surveillance in January 2022 would survive before deletion?

A: I believe I can’t 100% say this, it’s [five] or [six] days.

Tr. Vol. 2 at 74-75 (cleaned up). He also asked her about what might have been depicted in the video had it been preserved:

Q: If that video had not been deleted . . . would it have captured the area that you understand [Ludwig] fell?

A: No. . . . [Y]ou can’t see out the door. I mean it’s got glass on it, but you could not see.

Q: Does [Flaherty] have any knowledge or opinion about how far away [Ludwig] was from the door when she fell?

A: No. I don’t remember that that information was ever given to us. . . . Did she fall on this sidewalk, did she fall out there, did she fall on the grass? I honestly do not know that.

Court of Appeals of Indiana | Opinion 25A-CT-941 | March 16, 2026 Page 6 of 32

Q: If she would have fallen . . . immediately stepping out the door, if that video had been preserved, could it have seen her fall if the door was still open?

A: It might have if the door was open, but it was dark and you could not see out the door.

Id. at 77-78 (cleaned up).

[8] After the close of evidence, the parties each submitted proposed final jury instructions to the trial court. Ludwig’s proposed instructions included an adverse inference instruction based on Indiana Model Civil Jury Instruction 535—Failure to Produce Evidence (Spoliation). See infra Figure 2. Without explaining why, the court ruled from the bench it would not give the instruction.

Figure 2: Appellant’s App. Vol. 2 at 28.

[9] Even without the instruction, Ludwig told the jury during her closing argument that it could infer the missing security camera footage would have been unfavorable to Flaherty’s defense:

[Flaherty] could have done something to help you guys. To help us know what the truth is, know for certain what the truth is. We could have had a camera . . . outside the fitness center . . . . At minimum, have the camera in the fitness center in a place that actually shows the door instead of showing people working out on the machine . . . . And of course have a system that doesn’t delete the video quickly. . . .

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Pandel Ludwig v. Flaherty & Collins, Inc., (Ind. Ct. App. 2026).

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