Union Mutual Fire Insurance Company v. Ace Caribbean Market

CourtDistrict Court, E.D. New York
DecidedSeptember 30, 2021
Docket1:18-cv-01570
StatusUnknown

This text of Union Mutual Fire Insurance Company v. Ace Caribbean Market (Union Mutual Fire Insurance Company v. Ace Caribbean Market) is published on Counsel Stack Legal Research, covering District Court, E.D. New York primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Union Mutual Fire Insurance Company v. Ace Caribbean Market, (E.D.N.Y. 2021).

Opinion

UNITED STATES DISTRICT COURT EASTERN DISTRICT OF NEW YORK ------------------------------------x

UNION MUTUAL FIRE INSURANCE COMPANY,

Plaintiff, MEMORANDUM & ORDER 18—CV-1570(EK)(ST)

-against-

ACE CARIBBEAN MARKET and NEERA RAMDIN,

Defendants.

------------------------------------x ERIC KOMITEE, United States District Judge: This is a dispute over liability for a fire that destroyed several buildings in Queens, New York. The Plaintiff is Union Mutual Fire Insurance Company, which insured four of the fire-damaged buildings; it has asserted negligence claims under New York law. Defendants are ACE Caribbean, Inc., which operated the grocery store in which the fire started, and the owner of the building, Neera Ramdin; they now move for summary judgment. Because I find that the Plaintiff has adduced insufficient evidence to create a genuine issue of fact on a key element of its claims — namely, causation — I grant summary judgment. I. Background

The following facts are drawn from the parties’ Local Rule 56.1 statements, deposition transcripts, the Defendants’ expert reports, and other documentary evidence submitted by the parties. I read the evidence “in the light most favorable to the party against which summary judgment is contemplated” — namely, Union Mutual. See NetJets Aviation, Inc. v. LHC Commc’ns, LLC, 537 F.3d 168, 178 (2d Cir. 2008). The parties agree that the massive fire originated on

ACE Caribbean’s premises. They disagree, however, on its cause. Plaintiff claims the fire started because ACE Caribbean misused extension cords or “power strips” in the store, most likely to power one or more refrigeration units that the parties call “coolers” or “freezers” (collectively, “coolers”). Based on certain evidence described more fully below, Plaintiff argues that the finder of fact could reasonably infer that one or more of these coolers were plugged into a wall outlet through a series of “low” or “light” gauge extension cords; that it was unsafe to power the cooler (or coolers) this way, given the electrical load they required; and that these extension cords

were the cause of the fire. Defendants, for their part, contend that the cause of the fire is indeterminable.1

1 The insurance company for another damaged building sued Defendants for negligence in New York Supreme Court, Queens County. That court denied Defendants’ motion for summary judgment on the grounds that triable questions of fact existed. See Amguard Ins. Co. v. ACE Caribbean Mkt., Inc., No. 703672, 2020 WL 7773548 (N.Y. Sup. Ct. Nov. 24, 2020) (supplying no further explanation). The Amguard decision is on appeal to the Second Department. 1. The ACE Caribbean Store ACE Caribbean operated a grocery store on the first floor of 110-14 Liberty Avenue in Queens. 110-14 Liberty was a two-story, wooden-frame building that sat in the “middle of a row” of similar buildings. Defendants’ Notice of Mot. for Summary Judgment Dismissing the Action Motion (“Defs.’ Mot.”)

Ex. A pt. 2, Exhibits to Fire Marshal Lewis Expert Disclosure (“Lewis Disclosure Exs.”) at 74, ECF No. 77-5. Neera Ramdin owned the building. Kaminie Singh, who owned ACE Caribbean, leased the premises from Ms. Ramdin. Singh employed a number of people to operate the store. Several of them were questioned extensively about the store’s layout and use of electronics. Those witnesses included Kaminie Singh (the store owner), Ms. Ramdin (the landlord), Hemwantie Singh (Kaminie’s mother and a full-time employee), and Danesh Gobind (a part-time employee). Reading the evidence in the light most favorable to

Union Mutual, the testimony established that the store had two checkout counters — one in the front, and one in the back — each with a variety of small electronic appliances (cash registers, scales, and the like); two “display” coolers in the middle of the store, at least one of which contained vegetables; another cooler toward the righthand wall, as seen from the entrance, containing beverages; and a fourth, “walk-in” cooler for storage located outside the store’s back door, past an employees-only area to the rear.2 The witness testimony did not establish definitively whether these appliances were connected to power via extension cords. But reading the evidence in the light most favorable to the Plaintiff, (1) there were three “surge protectors” or “power

strips” in the store — one in the front, and two in the back, Gobind Dep. 69:14-23; (2) the two coolers in the middle of the store plugged into one of the two “surge protectors” or “power strips” in the rear of the store, Kaminie Dep. 54:18-22; Gobind Dep. 69:14-23, 80:9-19; and (3) there were no floor outlets near at least one of the center coolers, or by the outdoor cooler, that those coolers could have plugged into directly.3 2. The Fire and Ensuing Investigation The fire started at approximately 10:52 p.m. on March 4, 2017. No one was inside ACE Caribbean at the time, and no

2 Pl.’s Rule 56.1 Statement ¶ 42, ECF No. 78-1; see also Defs.’ Mot. Ex. G, Dep. of Denesh Gobind (“Gobind Dep.”) 29:1-17; 61:7-63:6, ECF No. 77-14; id. Ex. E, Dep. of Kaminie Singh (“Kaminie Dep.”) 10:19-24, ECF No. 77-12; id. Ex. F, Dep. of Hemwantie Singh (“Hemwantie Dep.”) 28:11-15, ECF No. 77-13; Lewis Disclosure Exs. at 69 (“Interview Sheet” recording Fire Marshal Lewis’s interview with Kaminie Singh).

3 Hemwantie Dep. 30:10-17 (did not recall seeing electrical wires emanating from the outdoor cooler, and did not see outlets on the outside wall nearby); Gobind Dep. 50:12-15 (“I’m not sure where [the outside cooler] plugged in.”); id. 69:11-13 (no “outlets in the floor of the store”). Store employees also left the coolers powered on overnight, including on the night of the fire. Kaminie Dep. 56:2-4; Hemwantie Dep. 35:18-22; Gobind Dep. 42:15-21; id. 85:3-6; see also Gobind Dep. 27:4-8 (the “cooler in the back of the store . . . always stays on”); id. 79:10-23; id. 80:23-81:1. one in the vicinity was seriously harmed. But four buildings that Union Mutual insured were destroyed or damaged, along with the ACE Caribbean building. Amended Compl. at ¶ 11, ECF No. 45. Union Mutual paid approximately $1.5 million in insurance proceeds for damage to the five neighboring buildings, which it seeks now to recover from ACE Caribbean. Id.

Fire Marshal Matthew Lewis of the New York Fire Department (“FDNY”) led the investigation into the cause and path of the fire. Marshal James Kelly was Lewis’s supervisor. In its discovery disclosures pursuant to Rule 26 of the Federal Rules of Civil Procedure, Plaintiff identified Lewis and Kelly as “non-retained” expert witnesses. Plaintiff’s theory of causation is not clearly articulated, but Plaintiff relies heavily (if not entirely) on Lewis’s “Fire Incident Report” — on which Kelly signed off — to establish that element. Kelly also sat for a deposition, though his testimony was based largely on Lewis’s findings.

Lewis was unable to fully investigate the ACE Caribbean premises until March 21, when the FDNY used “heavy machinery” to clear his path through the store. Defs.’ Mot. Ex. A pt. 3, Dep. of Matthew Lewis (“Lewis Dep.”) 55:24-56:4, ECF No. 77-6 (“[T]he amount of fire that was in the building caused the floor of the second floor and the roof to collapse down into the first floor. This is why it took so long to even put a cause on it.”); see also Lewis Disclosure Exs. at 74. During this inspection, Lewis determined (based on burn patterns, among other things) that the fire’s “area of origin” was in the back of the ACE Caribbean store. Id. 56:6-11.

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Union Mutual Fire Insurance Company v. Ace Caribbean Market, Counsel Stack Legal Research, https://law.counselstack.com/opinion/union-mutual-fire-insurance-company-v-ace-caribbean-market-nyed-2021.