USAA Casualty Insurance Company v. The Fifth Fuel of Virginia, LLC

CourtDistrict Court, D. Maryland
DecidedSeptember 16, 2024
Docket1:22-cv-00218
StatusUnknown

This text of USAA Casualty Insurance Company v. The Fifth Fuel of Virginia, LLC (USAA Casualty Insurance Company v. The Fifth Fuel of Virginia, LLC) is published on Counsel Stack Legal Research, covering District Court, D. Maryland primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
USAA Casualty Insurance Company v. The Fifth Fuel of Virginia, LLC, (D. Md. 2024).

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MARYLAND

* USAA CASUALTY INSURANCE * COMPANY, * a/s/o ALEX AND AMY JACOCKS, * * Plaintiff, * * Civ. No. MJM-22-218 v. * * THE FIFTH FUEL OF VIRGINIA, LLC, * * Defendant. * * * * * * * * * * * *

MEMORANDUM ORDER USAA Casualty Insurance Company a/s/o Alex and Amy Jacocks (“USAA”) filed this subrogation action against The Fifth Fuel of Virginia, LLC (“Fifth Fuel”) for damages arising from a residential fire, and Fifth Fuel filed a third-party complaint against Wenbrooke Electric, LLC (“Wenbrooke”). This matter is before the Court on USAA’s motion to exclude opinions of Fifth Fuel’s fire investigation expert, ECF No. 55, and Wenbrooke’s motion for summary judgment, ECF No. 54. The motions are fully briefed and ripe for disposition. No hearing is necessary. See Loc. R. 105.6 (D. Md. 2023). For the reasons stated below, the Court will deny the motions. I. BACKGROUND On October 3, 2020, a fire at the residence of USAA’s insureds, Alex and Amy Jacocks, in Frederick, Maryland (the “Property”). The Jacockses purchased the Property in 2017. Alex Jacocks Dep., ECF No. 54-7, at 8:9. Shortly after the purchase, they contracted with Wenbrooke for electrical services. Id. at 24:6. In relevant part, Wenbrooke installed CAT 5E ethernet cables at various points in the Property, including in the ceiling above the master bedroom. Id. at 24:7–12; 26:18. To install the ethernet cables, Wenbrooke cut holes in the ceiling and “fished” the cables through the attic. Wenman Dep., ECF No. 54-9, at 7:20–21, 60:9, 82:4–12. Wenbrooke Electric “left the ethernet cable[s] hanging

from each plug” so the Jacockses could later install wireless internet access points. Alex Jacocks Dep. at 24:15–21. Mr. Jacocks later mounted a Wi-Fi extender in the ceiling. Id. at 24:18–24; SEA Report at 29. John Wenman, the owner of Wenbrooke, testified that he installed ethernet cables at the Property in 2017. Wenman Dep. (ECF No. 54-9) at 8:1–20, 26:8–21. To do so, in relevant part, Wenman cut a hole in the ceiling of the master bedroom. Id. at 77:14–78:4. He did not observe any wring above the ceiling, id. at 94:20–95:3, and there was no interruption in the electrical service at the Property when Wenman cut the hole, id. 128:3–7. Wenman denied that he or any of his employees made improper splices in the branch circuit wiring. Id. 135:11–136:11. On September 28, 2020, Fifth Fuel installed cellulose insulation in the attic. Am. Compl.

¶ 9; SEA Report, ECF No. 55-2, at 11. The fire occurred on October 3, 2020, originating in the attic above the master bedroom. Fifth Fuel Interrog. Resp., ECF No. 54-6, at 2; SEA Report at 11; Gregory Hine Report, ECF No. 55-4, at 5; Amy Jacocks Dep., ECF No. 58-4, at 35:12–21. In its amended complaint, USAA alleges that Fifth Fuel was responsible for causing the fire. See generally Am. Compl., ECF No. 17. According to USAA, spliced electrical wiring— specifically, branch circuit wiring—was installed in the attic when an addition was built on the Property around 1980. Id. ¶ 10. USAA alleges that Fifth Fuel failed to identify or recognize the spliced wires as a potential hazard before installing the cellulose insulation, which Plaintiff alleges “completely covered the spliced connections.” Am. Compl. ¶¶ 11–12. In its third-party complaint, Fifth Fuel alleges that Wenbrooke improperly spliced the wires in the attic while installing Wi-Fi at the Property. Third-Party Compl., ECF No. 28, ¶ 7. Fifth Fuel’s experts—fire investigator Aaron Redsicker and electrical engineer Robert Neary— investigated the fire and authored a joint report. SEA Report, ECF No. 55-2. In the SEA Report,

they opine that Wenbrooke and Mr. Jacocks caused the fire by damaging the branch circuit wiring when cutting the ceiling to install the ethernet cables, “improperly connecting the damaged wiring, and using the improper type of Wi Fi ceiling mount that was not fire rated.” SEA Report at 6–7. According to the SEA Report, the fire was ignited by heat generated from the damaged wiring. SEA Report at 6–7, 36. Based on a photograph he received after the report was completed, Neary testified at his deposition that the location of the Wi-Fi extender, where Wenbrooke cut the hole in the ceiling, “may be a little different than what we thought.” Neary Dep. at 23:4–24:10. He stated that the photograph provided “a better location” for the Wi-Fi extender. Id. at 24:21–23. Neary believed the extender was “in the area” of where he originally thought it was, although it “might not be” in

that exact location. Id. 26:2–4. Neary conceded that he did not know, within a reasonable degree of certainty, who performed the improper splicing of the wire that caused the fire. Id. 28:10–30:17. Redsicker, in his deposition, testified that he determined the location of the Wi-Fi extender based on information from USAA’s expert, Charlie Camara, as well as the deposition testimony of Mrs. Jacocks about her observations after the fire started and examination of photographs taken of the damaged ceiling after the fire. Redsicker Dep., Jan. 4, 2024, ECF No. 58-3, at 29:22–30:3. He further testified, in part, that he concluded Wenbrooke damaged the branch circuit wiring because the tools used to cut the ceiling offered the only explanation as to why the wiring was spliced. Id. at 63:3–20. Redsicker relied upon Neary to offer opinions as to other possible electrical causes of the fire. Id. at 65:21–22.

II. PENDING MOTIONS USAA filed a motion to preclude Aaron Redsicker from testifying at trial. ECF No. 55. Specifically, USAA contends that Redsicker’s opinions are not based on sufficient facts and data or a reliable methodology. Id. Fifth Fuel filed a response in opposition to the motion, ECF No. 58, and USAA filed a reply, ECF No. 61. Wenbrooke separately filed a motion for summary judgment on Fifth Fuel’s third-party complaint. ECF No. 54. In its motion, Wenbrooke argues that “there is no evidence to prove that

the hole cut by Wenbrooke in 2017 was within the area of origin, that Wenbrooke cut the branch circuit wiring or that Wenbrooke performed improper splicing of the wiring.” ECF No. 54 at 9. Fifth Fuel filed a response in opposition to the motion, ECF No. 59, and Wenbrooke filed a reply, ECF No. 60. III. USAA’S MOTION TO EXCLUDE EXPERT TESTIMONY

A. Standard of Review

District courts are tasked with making preliminary determinations as to the qualifications of experts and the relevance and reliability of their testimony. See Fed. R. Evid. 104(a) & 702; Daubert v. Merrell Dow Pharm., 509 U.S. 579, 597 (1993); Kumho Tire v. Carmichael, 526 U.S. 137, 141 (1999); Nease v. Ford Motor Co., 848 F.3d 219, 229–30 (4th Cir. 2017). Courts act as gatekeepers “to protect the judicial process from ‘the potential pitfalls of junk science,’” Sardis v. Overhead Door Corp., 10 F.4th 268, 275 (4th Cir. 2021) (quoting United States v. Bonner, 648 F.3d 209, 215 (4th Cir. 2011)), and are given wide latitude in this role. See Kumho Tire, 526 U.S. at 141. The party seeking to admit expert testimony bears the burden of establishing admissibility by a preponderance of the evidence. Fireman’s Fund Ins. Co. v. Tecumseh Prods. Co., 767 F. Supp. 2d 549, 553 (D. Md. 2011) (citation omitted).

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USAA Casualty Insurance Company v. The Fifth Fuel of Virginia, LLC, Counsel Stack Legal Research, https://law.counselstack.com/opinion/usaa-casualty-insurance-company-v-the-fifth-fuel-of-virginia-llc-mdd-2024.