Wunstell v. Clear Blue Specialty Insurance Company

CourtDistrict Court, E.D. Louisiana
DecidedOctober 7, 2022
Docket2:22-cv-00975
StatusUnknown

This text of Wunstell v. Clear Blue Specialty Insurance Company (Wunstell v. Clear Blue Specialty Insurance Company) is published on Counsel Stack Legal Research, covering District Court, E.D. Louisiana primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Wunstell v. Clear Blue Specialty Insurance Company, (E.D. La. 2022).

Opinion

UNITED STATES DISTRICT COURT EASTERN DISTRICT OF LOUISIANA

SUZANNE WUNSTELL, ET AL. CIVIL ACTION

VERSUS No. 22-975

CLEAR BLUE SPECIALTY SECTION I INSURANCE COMPANY

ORDER & REASONS Before the Court is a motion1 in limine filed by defendant Clear Blue Specialty Insurance Company (“defendant”). Defendant’s motion seeks to exclude the reports and testimony of plaintiffs Suzanne and Blyght Wunstell’s (“plaintiffs”) experts, Susan Lewis (“Lewis”) and Henry LaBrie (“LaBrie”).2 For the following reasons, the Court grants the motion in limine in part and denies it in part. I. BACKGROUND A. Factual History Defendant issued policy number OUA10074103-01 to the plaintiffs for the period of May 13, 2021 to May 13, 2022.3 Plaintiffs allege that the covered property sustained significant damage caused by Hurricane Ida and Tropical Storm Nicholas, which made landfall on August 29, 2021, and September 14, 2021, respectively.4

1 R. Doc. No. 38. 2 Defendant also filed a motion for partial summary judgment, arguing that if the Court grants defendant’s motion in limine, plaintiffs will lack evidence to prove the cause of the damages plaintiffs allege, or that any additional damages are owed. See R. Doc. Nos. 39 (original motion for summary judgment), 46 (substituted motion for summary judgment). 3 R. Doc. No. 39-3, at 1. 4 R. Doc. No. 45, at 1. Plaintiffs initially reported damages due to Hurricane Ida, and defendant’s adjuster performed an inspection on September 4, 2021, issuing an estimate of $103,743.23 in damages, net of deductible.5 Defendant issued payments of $3,000 and

$30,000 on September 21 and 22, 2021, respectively.6 Defendant sent an additional adjuster on September 28, 20217 and between November 6, 2021 and February 15, 2022, defendants issued four payments to plaintiffs, totaling $131,828.40.8 Unsatisfied with the amount paid by the defendant, plaintiffs retained Lewis, a licensed adjuster,9 to provide estimates of damage to their property for each storm.10 Lewis performed a single inspection of the property on February 10, 2022. LaBrie, a

contractor and plaintiffs’ “consultant,”11 was present during the inspection and assisted Lewis by taking moisture readings in the property.12 After the inspection, Lewis issued two estimates: One for Hurricane Ida, containing an estimate of $298,119.40 in damages, and one for Tropical Storm Nicholas, containing an estimate of $163,751.80 in damages.13 Lewis’ two reports are plaintiffs’ only expert reports; LaBrie did not author a report.14

5 Id. at 2. 6 R. Doc. No. 53, at 7. 7 Id.; R. Doc. No. 39-4, at 48. 8 R. Doc. No. 53, at 7. 9 R. Doc. No. 44-3, at 1. 10 Id. 11 R. Doc. No. 44, at 6. 12 Id. at 5. 13 R. Doc. No. 45-6, at 1. 14 R. Doc. No. 38-1, at 2. Following receipt of these two estimates, on March 25, 2022, defendant sent Gregory Landes to perform a reinspection of the property and he provided an estimate of damages for the complete scope of work in the amount of $295,560.20.15 On March

4 and 11, 2022, defendant issued payment of $73,890.72 and $10,858.24, respectively.16 Defendant then issued an additional payment of $60,639.06 on May 11, 2022.17 Plaintiffs provided defendant with a contents list on July 28, 2022, in the amount of $76,144,18 and defendants issued the most recent payment to plaintiffs in the amount of $45,271.02 on August 18, 2022.19 In total, the defendant has paid plaintiffs $355,487.44.20 All payments have been made pursuant to plaintiffs’

Hurricane Ida claim.21

15 R. Doc. No. 55-6, at 2. Landes’ estimate notes that “[b]ased on the information from the homeowner’s estimator Susan Lewis, who inspected the property [on] February 10, 2022, the insurance carriers’ adjuster John Alligood[’s] . . . photo sheets and our inspection on March 25, 2022, it is very difficult to delineate where Hurricane Ida damages ended and Tropical Storm Nicholas damages began. There are no definitive photographs showing the actual damages that occurred as a result of each loss. Documentation for the conditions of the property after each loss is lacking, affecting the ability to correctly assess the damages for each loss event. There appears to be overlapping damages to the dwelling resulting from the two losses, but again without more definitive documentation, it cannot be broken down properly.” R. Doc. No. 39-5, at 5. 16 R. Doc. No. 53, at 7 17 Id. 18 R. Doc. No. 55, at 3. 19 R. Doc. No. 53, at 7; R. Doc. No. 55-7, at 1. 20 R. Doc. No. 39, at 4 (“To date the Defendant has issued payments totaling $272,053.13 for Coverage A Dwelling, $220.43 for Coverage B Other Structures, $47,213.88 for Coverage C Personal Property, and limits up to $36,000 for Coverage D Loss of Use.”); R. Doc. No. 53, at 7. 21 R. Doc. No. 46-3, at 2. B. Procedural History On June 14, 2022, this Court issued a scheduling order which states, in relevant part:

Written reports of experts, as defined by Federal Rule of Civil Procedure 26(a)(2)(B), who may be witnesses for Plaintiffs fully setting forth all matters about which they will testify and the basis therefor shall be obtained and delivered to counsel for Defendant as soon as possible, but in no event later than Wednesday, July 6, 2022. The same deadline applies for any expert disclosures pursuant to Federal Rule of Civil Procedure 26(a)(2)(C).22

The next paragraph, pertaining to the defendant’s expert reports and disclosures, is identical except that it references “Defendants” and sets the deadline date for a month later.23 Both the defendant and the plaintiffs filed their expert reports and disclosures on August 5, 2022.24 Plaintiffs filed a second witness and exhibit list on August 25, 2022.25 C. Defendant’s Motion in Limine In its motion, the defendant submits that the reports and testimony of plaintiffs’ experts, LaBrie and Lewis, should be excluded on the grounds that: (1) plaintiffs’ expert disclosures were untimely;26 (2) Lewis’ written expert reports satisfy neither the requirements of Rule 26 of the Federal Rules of Civil Procedure nor the

22 R. Doc. No. 8, at 2 (emphasis added). 23 Id. (emphasis added). 24 R. Doc. Nos. 23 (defendant’s witness and exhibit list), 24 (plaintiffs’ witness and exhibit list). 25 R. Doc. No. 29. 26 R. Doc. No. 38, at 3. requirements of this Court’s scheduling order;27 (3) Lewis’ testimony and reports are “not [] helpful to the jury to determine whether the hurricane caused damage to the property or to quantify any such damage[;]”28 (4) plaintiffs cannot demonstrate that

Lewis’ valuations are reliable;29 and (5) LaBrie did not issue an expert report, as required by Rule 26 and this Court’s scheduling order, and therefore cannot testify as an expert at trial.30 For the reasons discussed below, this Court grants the motion in part and denies it in part. II. STANDARD OF LAW

Federal Rule of Civil Procedure

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Wunstell v. Clear Blue Specialty Insurance Company, Counsel Stack Legal Research, https://law.counselstack.com/opinion/wunstell-v-clear-blue-specialty-insurance-company-laed-2022.