{"id":901130,"date":"2023-05-03T14:30:06","date_gmt":"2023-05-03T20:30:06","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=901130"},"modified":"2023-05-03T14:30:12","modified_gmt":"2023-05-03T20:30:12","slug":"expert-opinion-concurrent-causation-doctrine","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/expert-opinion-concurrent-causation-doctrine\/","title":{"rendered":"Client Alert: Fifth Circuit Guidance for Newly-Offered Expert Opinions and the Concurrent Causation Doctrine in Insurance Coverage Cases"},"content":{"rendered":"\n

Cianan Lesley and Brian Scarbrough | Jenner & Block<\/a><\/p>\n\n\n\n

The United States Court of Appeals for the Fifth Circuit\u2019s recent opinion in\u00a0Majestic Oil, Inc. v. Certain Underwriters at Lloyd’s, London Subscribing to Policy Number W1B527170201,<\/em>\u00a0No. 21-20542 (5th Cir. Mar. 17, 2023), offers important guidance for practitioners in insurance coverage<\/a> cases faced with offering new or supplemental expert opinions<\/a> after the expert report deadline. Moreover, the opinion provides insight into how a recent articulation of Texas\u2019 concurrent causation doctrine could affect insurance cases where the cause of damage is at issue.<\/p>\n\n\n\n

The question underpinning Majestic Oil<\/em> was whether Hurricane Harvey or an earlier January 2017 storm damaged Majestic Oil\u2019s roof such that it started to leak. Majestic Oil\u2019s first-party property insurance policy issued by Lloyd\u2019s covered damage caused by \u201c[r]ain or wind driven rain which enters the insured building or structure through an opening created by the force of a [n]amed [s]torm,\u201d but according to the Firth Circuit, the policy did not cover \u201cpre-existing damage, ongoing damage, or wear and tear.\u201d Majestic Oil<\/em>, slip op. at 1\u20132 (alteration in original). After Hurricane Harvey\u2015a named storm\u2015Majestic Oil\u2019s roof began leaking, but the parties disputed whether the damage to the building predated the storm. Id<\/em>. at 2\u20133. A Lloyd\u2019s claims adjuster and a structural engineering expert hired by Lloyd\u2019s determined that the damage predated Hurricane Harvey, and Lloyd\u2019s denied the claim. Id<\/em>. Meanwhile, Majestic Oil hired its own expert, who authored a report. Id<\/em>. at 3. The report stated that while the earlier January 2017 storm could not \u201cbe ruled out as initially contributing to the roof vulnerability,\u201d it was \u201cmore likely than not that\u201d Hurricane Harvey caused the damage. Id<\/em>.<\/p>\n\n\n\n

At his deposition, Majestic Oil\u2019s expert \u201crefined his theory\u201d and ruled out the January 2017 storm as the cause of the damage. Id<\/em>. In other words, at his deposition, the expert concluded that only Hurricane Harvey caused the damage to Majestic Oil\u2019s property. Id<\/em>. In doing so, the expert referenced a previously unconsidered weather report that he discovered while researching an unrelated case. Id<\/em>.<\/p>\n\n\n\n

Shortly after the deposition, Majestic Oil\u2019s expert authored a second expert report that reiterated his conclusion that Hurricane Harvey\u2015not the January 2017 storm\u2015caused the damage to Majestic Oil\u2019s property. Id<\/em>. at 4. However, the second report was offered six months after the deadline for expert reports, and Lloyd\u2019s moved to strike the second report as \u201cuntimely because it contained a new opinion.\u201d Id<\/em>. In response, Majestic Oil argued that the report was supplemental. Id<\/em>. The district court agreed with Lloyd\u2019s and struck the second report. Id<\/em>.<\/p>\n\n\n\n

Lloyd\u2019s then moved for summary judgment, which Majestic countered, in part, with an affidavit from its expert. Id<\/em>. The affidavit restated the expert\u2019s conclusion that Hurricane Harvey caused the damage instead of the January 2017 storm. Id<\/em>. The district court struck the affidavit as a \u201csham affidavit\u201d and, relying in part on Texas\u2019s concurrent causation doctrine, granted summary judgment for Lloyd\u2019s. Id<\/em>. Specifically, under the district court\u2019s reading of Texas\u2019 concurrent causation doctrine, the district court \u201cfaulted\u201d Majestic Oil\u2019s expert for \u201cfailing to exclude the January 2017 storm as a potential cause of the damage\u201d and found that Majestic Oil \u201cotherwise failed to show that the damage was attributable to\u201d Hurricane Harvey. Id<\/em>. Majestic Oil appealed the decision.<\/p>\n\n\n\n

While the appeal was pending, the Fifth Circuit commented on Texas\u2019 concurrent causation doctrine in Advanced Indicator Manufacturing, Inc. v. Acadia Insurance<\/em>, 50 F.4th 469 (5th Cir. 2022). Specifically, it held that under that doctrine, \u201cwhen covered and non-covered perils combine to create a loss, the insured is entitled to recover that portion of the damage caused solely by the covered peril.\u201d Advanced Indicator & Mfg., Inc. v. Acadia Ins. Co<\/em>., 50 F.4th 469, 476\u201377 (5th Cir. 2022) (quoting Dallas Nat’l Ins. Co. v. Calitex Corp<\/em>., 458 S.W.3d 210, 222 (Tex. App. Ct. 2015)). The Fifth Circuit placed the burden on the insured to segregate damage attributable solely to a covered peril and to offer evidence demonstrating either that a loss came solely from a covered cause or by which a jury may reasonably segregate covered loss from non-covered loss. Id<\/em>. at 477.<\/p>\n\n\n\n

On appeal, the Fifth Circuit evaluated whether the district court properly excluded the second report and affidavit of Majestic Oil\u2019s expert. While the Fifth Circuit reasoned that the district court did not abuse its discretion in determining that the second report was new rather than supplemental, it also reasoned that the district court failed to properly apply the Federal Rules of Civil Procedure (FRCP). Majestic Oil<\/em>, slip op. at 6. Specifically, the Fifth Circuit held that the district court did not evaluate three of the four factors[1] <\/sup>relevant under FRCP 37(c)(1)\u2015the importance of the information, potential prejudice in allowing the information, and the availability of a continuance to cure prejudice\u2015before determining that the second expert report should be excluded. Id<\/em>. at 6\u20137. Similarly, the Fifth Circuit held that the district court improperly struck the affidavit because the affidavit was consistent with the expert\u2019s deposition testimony. Id<\/em>. at 8. However, the Fifth Circuit explained that \u201cas a practical matter\u201d the affidavit \u201crises and falls\u201d with the expert\u2019s second report \u201cas the two repeat the same conclusions.\u201d Id<\/em>. Under these holdings, the Fifth Circuit vacated the district court\u2019s summary judgment order and remanded. Id<\/em>. at 9.<\/p>\n\n\n\n

In remanding the case, the Fifth Circuit revisited its opinion in Advanced Indicator<\/em> on concurrent causation. Specifically, it opined that whether Advanced Indicator<\/em> \u201cbreathes new life into Majestic\u2019s sole causation theory it advances on appeal is a question, like the admissibility of\u201d the expert\u2019s second report and affidavit \u201cfor the district court to consider anew, once the summary judgment record is properly settled.\u201d Id<\/em>.<\/p>\n\n\n\n

The Fifth Circuit\u2019s opinion in Majestic Oil<\/em> serves as reminder to practitioners about the importance of expert opinions in insurance coverage cases, particularly in cases where an expert offers a new or revised opinion after the deadline for expert reports. Because the Fifth Circuit\u2019s opinion demonstrates that courts should not allow one factor to displace others when evaluating whether to exclude new or revised expert opinions, litigants faced with new expert reports after the deadline would be wise to consider and address all four factors that courts must examine.<\/p>\n\n\n\n

Moreover, as the Fifth Circuit previewed, it is possible that the concurrent causation doctrine, as articulated in\u00a0Advanced Indicator<\/em>, could affect the district court\u2019s decision on remand.\u00a0Id<\/em>. The district court initially \u201cfaulted\u201d Majestic Oil\u2019s expert for \u201cfailing to exclude the January 2017 storm as a potential cause of the damage and found that Majestic otherwise failed to show that the damage was attributable\u201d to Hurricane Harvey.\u00a0Id.<\/em>\u00a0at 4. However, in\u00a0Advanced Indicator<\/em>, the Fifth Circuit explained that an insured could \u201ccarry its burden by putting forth evidence demonstrating that the loss came solely from a covered cause or by putting forth evidence by which a jury may reasonably segregate covered and non-covered losses.\u201d\u00a0Advanced Indicator,<\/em>\u00a050 F.4th at 477. Thus, the district court will likely have to consider whether a failure to exclude the January 2017 storm warrants a grant of summary judgment or whether Majestic Oil can satisfy its evidentiary burden to segregate loss. \u00a0<\/p>\n\n\n\n

\n\n\n\n

When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes – please call Advise & Consult, Inc. at 888.684.8305, or email experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Cianan Lesley and Brian Scarbrough | Jenner & Block The United States Court of Appeals for the Fifth Circuit\u2019s recent opinion in\u00a0Majestic Oil, Inc. v. Certain Underwriters at Lloyd’s, London Subscribing to Policy Number W1B527170201,\u00a0No. 21-20542 (5th Cir. Mar. 17, 2023), offers important guidance for practitioners in insurance coverage cases faced with offering new or… Continue reading Client Alert: Fifth Circuit Guidance for Newly-Offered Expert Opinions and the Concurrent Causation Doctrine in Insurance Coverage Cases<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[7,9914],"tags":[9895,9877,10334,11884,10593],"class_list":["post-901130","post","type-post","status-publish","format-standard","hentry","category-expert-witness","category-insurance-coverage","tag-advise-consult","tag-concurrent-cause-doctrine","tag-expert-opinion","tag-fifth-circuit","tag-insurance-coverage-disputes","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nClient Alert: Fifth Circuit Guidance for Newly-Offered Expert Opinions and the Concurrent Causation Doctrine in Insurance Coverage Cases - 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