The opinion
UNITED STATES DISTRICT COURT
EASTERN DISTRICT OF LOUISIANA
MOUNT CALVARY CIVIL ACTION
INTERNATIONAL WORSHIP CENTER
VERSUS NO: 22-04067
CHURCH MUTUAL INSURANCE SECTION: T (2)
COMPANY
ORDER and REASONS
Before the Court is a Motion to Strike or Exclude Plaintiff’s Expert Witnesses filed by
Defendant Church Mutual Insurance Company. R. Doc. 19. Plaintiff Mount Calvary International
Worship Center filed a response in opposition. R. Doc. 21. Defendant has filed a reply in support
of its motion. R. Doc. 22. For the reasons set forth below, the Court will grant the motion.
BACKGROUND
Plaintiff’s building was allegedly damaged during Hurricane Ida on or around August 29,
2021. R. Doc. 1-1, p. 3. Thereafter, Plaintiff submitted a claim to its insurer, Defendant, under
Policy Number 017213402258589, which provided coverage for loss or ensuing damage caused
by the peril of wind and/or hail. Id. Defendant opened a claim and assigned an adjuster to evaluate
the cause and extent of the damage. Id. Eventually, Defendant tendered an amount to the Plaintiff
that Plaintiff believed was inadequate to repair the covered damage. This suit seeking damages
and penalties on several theories of liability followed in state court. See R. Doc. 1-1, pp. 4-7. The
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case was subsequently removed to federal court by Defendant. R. Doc. 1.
This Court issued a Scheduling Order that required Plaintiff to disclose to Defendant’s
counsel on or before December 15, 2023, written reports of experts, as defined by Fed. Rule Civ.
Proc. 26(a)(2)(B), “who may be witnesses for Plaintiffs fully setting forth all matters about which
they will testify and the basis therefor….” R. Doc. 15, p. 3. The Scheduling Order provided that
“[t]he same deadline applies for any expert disclosures pursuant to Federal Rule of Civil Procedure
26(a)(2)(C).” Id.
On December 13, 2023, Plaintiff via email provided the names of three expert witnesses.
Plaintiff identified as his first expert witness Bobby Ware, President and CEO of Teddy Bear
Services and E Fire Southern, located in Gulfport, Mississippi. R. Doc. 19-2. Plaintiff stated:
Mr. Bobby Ware, an esteemed building consultant of expertise in construction,
mitigation, appraisal, and repair. Mr. Ware has over 21 years of experience in the
construction industry and over 10 years of experience as an umpire/appraiser. Mr. Bobby
Ware, a seasoned building consultant with over 21 years of experience, will testify as an
expert witness regarding Mount Calvary International’s repairs in correlation with Julie
Ann Lubarsky's adjuster's report. His testimony will provide a comprehensive analysis,
drawing upon his expertise in construction, mitigation, appraisal, and repair to offer
critical insights into the adequacy and accuracy of the undertaken repairs as outlined in
the report. R. Doc. 19-2.
Plaintiff identified as his second expert witness Julie Ann Lubarsky, a “multi-state tested,
licensed and bonded Public Insurance Adjuster, with over 17 years of experience.” Plaintiff
provided a link to Ms. Lubarsky’s 431-page report. R. Doc. 19-6.1 This report was provided to
1 Also linked was a 28-page report prepared by Strategic Mold Specialist of Gretna, Louisiana.
R. Doc. 19-5. But Plaintiff’s email to defense counsel does not provide any connection between
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Defendant as early as March 8, 2023, as part of Plaintiff’s initial disclosures. Mr. Ware was
retained as a building consultant by Lubarsky Public Adjusters in relation to the Public Adjuster
Report, according to Plaintiff. R. Doc. 21, p. 5. According to Plaintiff, Ware and Lubarsky
collaborated on the Public Adjuster’s Report. No further information was provided regarding Ms.
Lubarsky’s expert testimony.
Plaintiff identified as his third expert witness Emma Taylor, whom he described as “a
multi-state tested, licensed, and bonded Building Consultant.” R. Doc. 19-2, p. 2. No information
was provided as to her purported testimony or the existence of a written report. Indeed, Plaintiff
noted in its disclosure that Ms. Taylor had been unresponsive and had yet to produce a report. Id.
Defendants have moved to strike these expert witnesses or to exclude their testimony
alleging that Plaintiff has not complied with the disclosure requirements of either Fed. Rule Civ.
Proc. 26(a)(2)(B) or 26(a)(2)(C). Plaintiff essentially concedes in this Court that none of the
disclosures complies with the requirements of 26(a)(2)(B) as a retained expert, but instead argues
that the disclosures of both Ware and Lubarsky were intended to and do comply with the relaxed
disclosure requirements under 26(a)(2)(C) as non-retained experts. R. Doc. 21. Plaintiff also seeks
an unspecified continuance, presumably with regard to Ms. Taylor. Id., p. 12.
LAW and ANALYSIS
The Federal Rules of Evidence divide opinion testimony into two categories: lay opinion
this estimate and any of the named expert witnesses.
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and expert opinion testimony. Pursuant to Federal Rule of Evidence 701, when a witness is not
testifying as an expert, testimony in the form of an opinion is limited to an opinion that is:
(a) rationally based on the witness’s perception;
(b) helpful to clearly understanding the witness’s testimony or to determining a
fact in issue; and
(c) not based on scientific, technical, or other specialized knowledge within the
scope of Rule 702.
Pursuant to Federal Rule of Evidence 702, a witness who is qualified as an expert by
knowledge, skill, experience, training, or education may testify in the form of an opinion if:
(a) the expert’s scientific, technical, or other specialized knowledge will help the
trier of fact to understand the evidence or to determine a fact in issue;
(b) the testimony is based on sufficient facts or data;
(c) the testimony is the product of reliable principles and methods; and
(d) the expert has reliably applied the principles and methods to the facts of the
case.
Federal Rule of Civil Procedure 26 governs the disclosure of expert testimony. Pursuant to
Rule 26(a)(2)(B), experts retained specifically for litigation must provide formal expert reports.
Before the 2010 amendments to the Federal Rules of Civil Procedure, non-retained experts were
exempt from these disclosure requirements under certain circumstances. Sheppard v. Liberty Mut.
Ins. Co., No. 16-2401, 2017 WL 467092, at *1 (E.D. La. Feb. 2, 2017) (Vance, J.). After the 2010
amendments, a non-retained expert is “subject to a separate, less stringent disclosure regime than
their retained counterparts” under Rule 26(a)(2)(C). Id. “Rule 26(a)(2)(C) addresses the disclosure
of expert witnesses who were involved in the events leading up to litigation and may testify both
as an expert and as a fact witness.” LaShip, L.L.C. v. Hayward Baker, Inc., 680 F. App’x 317, 324
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(5th Cir. 2017). A Rule 26(a)(2)(C) witness’s expert opinion “must be based on facts or data
obtained or observed in the course of the sequence of events giving rise to the litigation.” Laship,
L.L.C. v. Hayward Baker, Inc., 296 F.R.D. 475, 480 (E.D. La. 2013) (Brown, J.), aff’d 680 F.
App’x at 317.
There is little Fifth Circuit precedent applying Rule 26(a)(2)(C) to non-retained experts.
Under Rule 26(a)(2)(C), non-retained experts are not required to submit written reports; rather,
they must provide only a disclosure stating “the subject matter on which the witness is expected
to present evidence under Federal Rule of Evidence 702, 703, or 705” and “a summary of the facts
and opinions to which [they are] expected to testify.” Fed. R. Civ. P. 26(a)(2)(C); see also Fed. R.
Civ. P. 26, Advisory Committee Notes to 2010 Amendments (stating Rule 26(a)(2)(C) applies to
witnesses who are “not required to provide a report under Rule 26(a)(2)(B) [but] may both testify
as a fact witness and also provide expert testimony”). The disclosure requirement for non-retained
expert witnesses under Rule 26(a)(2)(C) is “considerably less extensive than the report required
by Rule 26(a)(2)(B)” for retained experts. Fed. R. Civ. P. 26, Advisory Committee Notes to 2010
Amendments.
Plaintiff argues that Ware and Lubarsky are non-retained experts because their opinions
were not generated for litigation “but are part of the routine processes related to the case.” R. Doc.
21, p. 6. Plaintiff contends Ware and Lubarsky were hired for their expertise “before the specter
of litigation or expert disclosures emerged….” Id. Plaintiff asserts that Ware and Lubarsky “were
not specifically retained for expert testimony; rather, their collaboration focused on scope
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determinations and tasks essential for case preparation, including the public adjuster’s report.” Id.,
pp. 6-7.
Defendant counters that Plaintiff designated the witnesses initially as Rule 26(a)(2)(B)
retained expert witnesses and that Plaintiff has provided insufficient information as to either
witness’s opinions. Defendant asserts that, without such information, it is not possible to discern
whether the witness’s opinions are those of retained or non-retained experts, noting that the latter
may testify only as to opinions based on direct observation, not opinions developed for use in
litigation. R. Doc. 22, p. 3 (citing O’Connor v. Allied Trust Ins. Co., No. 23-218 (E.D. La. Oct. 10,
2023), 2023 WL 6589304 at *3 (Africk, J.) (granting defendant’s motion to exclude two of
plaintiff’s named experts).
In O’Connor, the Court stated:
Experts ‘retained or specially employed to provide expert testimony in the case,’
also known as retained experts, must provide a written report that meets certain criteria.”
Doe v. Ortho-La Holdings, LLC, No. CV 17-8948, 2018 WL 4613946, at *2 (E.D. La.
Sept. 26, 2018) (Milazzo, J.). “The distinction between retained and non-retained experts
should be interpreted in a common sense manner.” MGMTL, LLC v. Strategic Tech., 2022
WL 474161, at *7 (E.D. La. Feb. 16, 2022) (Vitter, J.) (quoting Ferrara Land
Management Mississippi, LLC v. Landmark American Insur. Co., 2021 WL 4819461, at
*2 (S.D. Miss. July 19, 2021)). “While a retained expert is recruited to provide expert
testimony without any prior, personal knowledge of the facts giving rise to litigation, a
non-retained expert's testimony ‘arises not from his enlistment as an expert, but, rather,
from his ground-level involvement in the events giving rise to the litigation.’ ” Id.
2023 WL 6589304 *2.
Non-retained experts still “may be asked questions that implicate their expertise;” however,
“they cannot be asked to opine about broader issues beyond their own personal involvement[.]”
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Ferrara Land Mgmt. Miss., LLC, 2021 WL 4819461, at *2. In other words, “the scope of a non-
retained expert's testimony is limited to expert opinions based upon her personal knowledge and
observations.” MGMTL, LLC, 2022 WL 474161, at *4.
In the instant case, both Ware and Lubarsky were retained to produce a public adjuster’s
report estimating Plaintiff’s damages in response to the proffer from the Defendant insurer deemed
inadequate by Plaintiff to cover those damages. Although it is reasonably foreseeable they would
both be called to give expert testimony at a trial, Plaintiff maintains they were not retained
specifically to testify at trial.2 Ware is a contractor who inspected the property along with
Lubarsky, an independent adjuster, who inspected the property, took photographs, and prepared a
report and estimates. It is not well-settled as to whether an independent or public adjuster is a
retained or non-retained expert. And it may depend on whether the witness is offered by the
plaintiff or the defendant, or who has the burden of proof. In a case similar to this one, the
2 There can be no doubt that estimates of repair costs require “at a minimum, [the witness] to
forecast the amount, type, and costs of materials needed, as well as the amount of labor required
to complete the long list of repairs. These forecasts are not common knowledge, familiar in
everyday life. They require specialized knowledge of construction and repair work.” Pendarvis
v. American Bankers Insurance Company of Florida, 354 F.App’x 866 (5th Cir
2009)(unpublished). Although Pendarvis was decided before the 2010 amendment to Rule 26,
the case stands for the rationale that future cost estimates, as opposed to actual costs of repairs
already made, must be provided by expert testimony. See Certain Underwriters at Lloyd’s,
London v. Covington Flooring Company, Inc., No. 22-5292 (E. D. La. Mar. 8, 2024), pp. 15-16
(“expert testimony is ‘essential’ for proving the estimated reasonable costs of
reconstruction”)(citing Betzel v. State Farm Lloyds, 480 F.3d 704 (5th Cir. 2007)); see also
Beechgrove Redevelopment, L.L.C. v. Carter & Sons Plumbing, Heating & Air-Conditioning,
Inc., No. 07-8446, 2009 WL 981724 (E.D. La. Apr. 9, 2009).
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defendant insurer’s independent adjusters were deemed to be non-retained experts because they
attended inspections of the property and prepared reports and estimates “as part of the claims
handling process.” Jesus Church of Victoria Texas, Inc. v. Church Mutual Insurance Company,
627 F.Supp.3d 715, 723 (S. D. Texas Sept. 13, 2022). There, the Court reasoned that the insurer’s
independent adjusters were non-retained expert witnesses under Rule 26(a)(2)(C) because they
had been involved in the events giving rise to the lawsuit before litigation commenced and had
formed opinions concerning the property damage and claims handling process while carrying out
their job duties. However, the Court limited their testimony to “facts and opinions that were not
produced specifically in preparation for the trial of this matter.” Id. at 724 (quoting MGMTL, LLC,
2022 WL 474161, at *6). The Court explained:
This includes observations and opinions regarding these witnesses’ inspections of
the [plaintiff church’s] property, the findings and conclusions reached in the estimates
and reports these witnesses completed during the claims handling process, and other
direct observations and opinions developed during the claims-handling process.
[MGMTL, LLC, 2022 WL 474161, at *6]. “To the extent the Witnesses stray into purely
expert testimony related to the prosecution of this litigation and not their involvement in
the underlying events, [plaintiff church] can object at trial based on the lack of Rule 26
reports[.]” See Beechgrove Redevelopment, L.L.C. v. Carter & Sons Plumbing, Heating
& Air-Conditioning, Inc., No. 07-8446, 2009 WL 981724, at *7 (E.D. La. Apr. 9, 2009).
Here, whether or not Plaintiff’s expert witnesses may be categorized as retained or non-
retained, Plaintiff’s disclosures fail to satisfy either Rule 26(a)(2)(B) or Rule 26(a)(2)(C). The
public adjuster’s report is simply an estimate of the cost to repair and refurbish the building. It
contains no indication as to the cause of the alleged damage. There is no statement as to the subject
matter on which the witnesses are expected to present expert evidence under Federal Rule of
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Evidence 702, 703, or 705. Rule 26(a)(2)(C)(i). Further, there is no summary of the facts and
opinions as to which the witnesses are expected to testify. Rule 26(a)(2)(C)(ii). Finally, there is
certainly no compliance with the stricter requirements of Rule 26(a)(2)(B).
Federal Rule of Civil Procedure 37(c)(1) provides that “if a party fails to provide
information or identify a witness as required by Rule 26(a) or (e), the party is not allowed to use
that information or witness to supply evidence on a motion, at a hearing, or at a trial, unless the
failure was substantially justified or harmless.” Fed. Rule Civ. Pro. 37(c)(1). The Fifth Circuit has
provided four factors to analyze when determining whether a Rule 26 violation is substantially
justified or harmless: “(1) the explanation for the failure to identify the witness; (2) the importance
of the testimony; (3) potential prejudice in allowing the testimony; and (4) the availability of a
continuance to cure such prejudice.” Hamburger v. State Farm Mut. Auto. Ins. Co., 361 F.3d 875,
883 (5th Cir. 2004) (citing Geiserman v. MacDonald, 893 F.2d 787, 791 (5th Cir. 1990)).
In this case, the Court finds no justification for the failure to comply with the disclosure
requirements of Rule 26(a). Plaintiff cites the lack of response from one witness, but that does not
justify its lack of disclosure with regard to Ware and Lubarsky. Plaintiff did not seek an extension
of the deadline from opposing counsel or this Court; nor did Plaintiff seek to supplement its
disclosures with regard to these witnesses. There can be no doubt that the testimony of Ware and
Lubarsky are critical to Plaintiff’s case, but the lack of disclosure as to what the witnesses would
testify to would result in prejudice to Defendant. Although Plaintiff argues Defendant has had the
adjuster’s report for some time, there is no indication as to what either would witness would testify
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to with regard to causation or any other issue. Finally, the Court finds a continuance at this time to
be untimely and unwarranted, and would prejudice Defendant further. Thus, because the Court
concludes Plaintiffs lack of compliance with Rule 26(a) and this Court’s Scheduling Order was
neither justified nor harmless error, the Court must strike the witnesses as expert witnesses at trial.
Accordingly,
IT IS ORDERED that the Defendant’s Motion to Strike or Exclude Expert Witnesses is
GRANTED.
New Orleans, Louisiana, this 18th day of July 2024.
GREG GERARD GUIDRY
UNITED STATES DISTRICT JUDGE
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