Ronald E. Sexton v. Bankers Standard Insurance Company d/b/a Chubb

CourtDistrict Court, D. Kansas
DecidedNovember 26, 2025
Docket2:24-cv-02388
StatusUnknown

This text of Ronald E. Sexton v. Bankers Standard Insurance Company d/b/a Chubb (Ronald E. Sexton v. Bankers Standard Insurance Company d/b/a Chubb) is published on Counsel Stack Legal Research, covering District Court, D. Kansas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Ronald E. Sexton v. Bankers Standard Insurance Company d/b/a Chubb, (D. Kan. 2025).

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF KANSAS

RONALD E. SEXTON, ) ) Plaintiff, ) vs. ) ) Case No. 24-2388-TC-BGS BANKERS STANDARD INSURANCE ) COMPANY d/b/a CHUBB, ) ) Defendant. ) ____________________________________)

MEMORANDUM & ORDER DENYING PLAINTIFF’S MOTION FOR LEAVE TO SUPPLEMENT EXPERT DISCLOSURES

Now before the Court is Plaintiff’s Motion for Leave to Supplement Expert Disclosures. (Doc. 120.) Having reviewed the submissions of the parties, Plaintiff’s motion is DENIED. BACKGROUND This is a breach of contract/insurance coverage dispute arising from Plaintiff’s homeowner’s insurance policy with Defendant Bankers Standard Insurance Company (“Defendant” or “BSIC”). When issuing the policy, Defendant determined that the total replacement value of Plaintiff’s 12,621 square foot residence was almost $8 million. In May 2021, Plaintiff reported that on October 7, 2018, his residence suffered a water intrusion through the roof, causing extensive damage (“subject water intrusion”). Defendant has paid a portion of the repair cost under the policy but denies Plaintiff’s allegations and claims, denies that there is coverage under the subject homeowner’s policy for damages continued to be claimed by Plaintiff, and denies that it has further obligation to pay under the policy. Defendant also asserts that Plaintiff’s claims are time-barred by the 5-year contractual limitations period of the subject policy. Plaintiff has made a total of four water intrusion-related insurance claims relating to his residence. In addition to the subject water intrusion, Defendant had resolved a prior water intrusion claim from Plaintiff in Spring 2018. Plaintiff made another water damage claim with PURE Insurance, based on a December 2019 loss. Finally, Plaintiff made an additional water damage claim with PURE Insurance for a March 2022 loss.1 Defendant asserts that contemporaneously, Plaintiff and his contractors have claimed

ongoing, post-policy water damage, allegedly from the roof that Plaintiff had been paid to replace in its entirety, in Spring 2019 and May 2020. (Doc. 65, at 1.) Faced with four water insurance claims in so many years, [Defendant] served discovery seeking to identify (i) what portions of the residence and Plaintiff’s personal property were damaged and when; (ii) what damages were claimed in which insurance claims; and (iii) the supporting documentation for the same.

(Id., at 1-2.) The Court most recently dealt with the parties’ disagreements regarding Defendant’s request for inspection of Plaintiff’s residence. (See Memorandum & Order, Doc. 105.) Plaintiff’s present motion seeks leave to supplement his expert disclosures to identify Christoper Leaton as an additional, non-retained expert. (Doc. 120.) The Scheduling Order deadline for Plaintiff to designate experts was August 14, 2025. (Doc. 47, at 1.) The present motion was filed exactly two months past that deadline on October 14, 2025. (Doc. 120.) Mr. Leaton, the expert at issue, is described by Plaintiff as a “senior forensic engineer” who was commissioned by Defendant to provide an opinion on causation in the related state court case of Bankers Standard Insurance Company v. Alpha Roofing, LLC, Case No. 21-5231 (Johnson County Kansas District Court) (the “Johnson County case”). (Id., at 1.) Plaintiff contends that he

1 Plaintiff contends that Defendant adjusted two of the claims, including the 10/7/18 roof water intrusion claim at issue while the other two claims were submitted to PURE. (Doc. 88, at 2.) Plaintiff also contends that the PURE claims were “plumbing related claims” that were known by Defendant to involve water intrusion “into different and distinct areas of Plaintiff’s residence other than those areas impacted by the 10/7/18 roof related water intrusion claim at issue here, both of which resulted from internal interior plumbing failure casualty events and neither of which involved water intrusion through the roof of Plaintiff’s residence[.]” (Id.) believed Mr. Leaton’s findings and opinions were undisputed. [Defendant] has now suggested it might contest Mr. Leaton’s findings and opinions in the case at bar. This would necessitate Plaintiff calling Mr. Leaton as a witness at trial of this matter, so he can explain (and possibly defend) his work. Leave is required to designate Mr. Leaton because the operative Scheduling Order required that all expert disclosures be made by or before August 14, 2025, and although Plaintiff complied with this deadline, his disclosures did not include Mr. Leaton.

(Doc. 120, at 1.) Defendant disputes Plaintiff’s characterization, contends Plaintiff was aware of the report at issue (hereinafter referred to as “the VERTEX report”), and argues there is no reasonable basis for Plaintiff to claim surprise as to Defendant’s position. (See generally Doc. 129.) ANALYSIS I. Legal Standard. “When a party seeks to amend the scheduling order to disclose experts out of time, the party must show both good cause and excusable neglect.” McPhaul v. Coll. Hills Opco, LLC, No. 24-1143- JWB-BGS, 2025 WL 2229971, at *3 (D. Kan. Aug. 5, 2025) (citing CGB Diversified Servs., Inc. v. Forsythe, No. 20-2120-TC-TJJ, 2021 WL 672168, at *1 (D. Kan. Feb. 22, 2021)). “Good cause requires a greater showing than excusable neglect,” thus “many judges in this District have only applied and analyzed the good cause standard under Fed. R. Civ. P. 16(b)(4) when a party misses their expert witness disclosure deadline.” Id. (citations omitted). The Court will, however, address both good cause and excusable neglect. Plaintiff argues he has met both of these requirements. That stated, he contends that even if he is unable to meet the good cause/excusable neglect requirements, “the requested relief is still appropriate” because denying his request “could be dispositive of this case, and lesser curative measures could be imposed to alleviate any prejudice” to Defendant. (Doc. 120, at 3.) The Court will address these issues in turn. II. Good Cause. “A scheduling order ‘may be modified only for good cause and with the judge’s consent.” McPhaul v. Coll. Hills Opco, LLC, No. 24-1143-JWB-BGS, 2025 WL 2229971, at *3 (D. Kan. Aug. 5, 2025) (quoting Fed. R. Civ. P. 16(b)(4)). In order to establish good cause, Plaintiff must show that “scheduling order deadlines cannot be met despite the [his] diligent efforts.” Tesone v. Empire Mktg. Strategies, 942 F.3d 979, 988-89 (10th Cir. 2019); Fed.R.Civ.P. 16(b)(4). In other words, Plaintiff is required to provide an adequate explanation for any delay. Id.

Plaintiff admits that if he wanted to designate an expert in the present case to address the opinions Leaton expressed in the Johnson County case, “he could have and should have” done so by the August 14, 2025, deadline. (Doc. 120, at 3-4.) That stated, Plaintiff contends he did not do so because “he believed Mr. Leaton’s opinions were both undisputed and more reliable than any opinions that might be generated by a new expert inspecting the home a full seven (7) years after the subject water intrusion occurred.” (Id.) According to Plaintiff, however, if Defendant now intends to contest Leaton’s findings, Plaintiff will need to call Leaton as a trial witness “to explain his opinions and the bases for them,” thus necessitating the requested leave. (Id.) Plaintiff argues he “could not have known Mr.

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Bluebook (online)
Ronald E. Sexton v. Bankers Standard Insurance Company d/b/a Chubb, Counsel Stack Legal Research, https://law.counselstack.com/opinion/ronald-e-sexton-v-bankers-standard-insurance-company-dba-chubb-ksd-2025.