This is a hail damage case. The Plaintiff, First Evangelical Lutheran Church of Lincoln, Nebraska, alleged that its roof was damaged in a hailstorm. Allegedly, the Defendant, Brotherhood Mutual Insurance Company, wrongfully delayed or denied certain benefits under its insurance policy.
Basically, the Plaintiff alleged that its clay tiles, aluminum gutters, copper flashing, and other metal components suffered extensive damage, some of which allegedly caused interior leaks.
The Plaintiff has designated two experts: Toby Duncan, a roofing consultant, and Matthew Y. Merrell, a licensed professional civil engineer. Specifically, the Defendant sought to exclude any opinions from these experts that a hailstorm occurred on the property, that a storm caused the damage, any “site-specific” storm conditions, such as wind speed or hail size, or that the damage is attributable to a specific weather event.
The Plaintiff, on the other hand, sought to exclude the opinions of Vincent Hobson, the Defendant’s expert witness.
Roofing Expert Witnesses
Toby Duncan is a commercial and residential roofing consultant and project manager specializing in clay tile, slate, and copper roofs.
Vincent H. Hobson has over fifty years of experience in roofing and tiles. He also provides extensive consulting services to homeowners, architects, roofing contractors, historians and even other consultants in the tile roofing arena.
Civil Engineering Expert Witness
Matthew Yates Merrell has developed a diverse engineering background focused on new construction and resolving difficult construction issues.
Discussion by the Court
Merrell
To begin with, Merrell relied on industry-standard impact tests to determine that the damage he observed on the church’s roof was consistent with damage caused by hail measuring 1.5 inches in diameter. He considered a consulting meteorologist’s report that a hailstorm on April 12 passed over the subject property, and that storm produced hail measuring a maximum of 1.5 inches in diameter. He relied on an interview with the church property committee indicating that the church’s roof had been repaired in 2018, and there were no “cracked, chipped, or fractured tiles” following those repairs.
His expert report concluded that “impact damage consistent with hail strikes was widespread at the church.” It also concluded, “within a reasonable degree of engineering certainty, that the storm on April 12, 2020 damaged the subject property.”
The Defendant argued that Merrell had no basis to opine about storm conditions on April 12, including whether a hailstorm occurred or the size of the hail. According to the Defendant, engineers may not give opinions about these kinds of “site-specific storm conditions.”
However, Merrell attested that he regularly relied on data from meteorologists to form opinions about the cause of damage, and such reliance is an industry standard. Merrell’s report considered other causes of damages, and specifically excluded “damage that appeared unrelated to high winds and hail.” Merrell used the data from the meteorologist to support his findings about the damage to the roof, and that such damage is consistent with 1.5-inch hail; based on the record before the Court, that meteorological data is being used to support his conclusions based on his expertise, not supplant them. The Defendant challenged the factual basis and foundation of Merrell’s conclusions, but in this Court’s view, those arguments go to weight and not admissibility.
Duncan
The Defendant also sought to exclude Duncan’s opinions involving assumptions that hail of a particular size struck the property. While Duncan cannot give expert testimony that a hailstorm on April 12 caused the damage, he is not precluded from giving lay testimony regarding the same. Duncan was in Lincoln the day of the alleged hailstorm, and he visited the Plaintiff’s church property.
He may give expert testimony that, through his professional experience, what he saw appeared to be consistent with hail damage. And, based on his personal knowledge of the weather conditions on April 12, he may testify as to his observations of the size or other characteristics of the hail.
The Court made it clear that neither Merrell nor Duncan may provide expert opinions that hail of a particular size struck the church on April 12, 2020. However, both may provide the reason they believe hail of a certain size struck the building. Merrell relied on a meteorological consultant to confirm his measurements and the physical indication of certain-sized hail. Duncan relied on his measurements and personal experience with the hail to draw similar conclusions.
Hobson
Hobson inspected the church roof at the Defendant’s request, and issued a report in August 2022. The Plaintiff argued that Hobson’s opinions are “unsupported conjecture” and should be excluded.
It’s clear from Hobson’s deposition testimony that he based his opinions on his fifty years of experience in roofing and tiles. That experience is an appropriate foundation upon which to base expert testimony, including the testimony that an HVAC installation process damaged the tile, that the specialty tile may have manufacturing defects, or that the damage was not widespread enough to have been caused by hail. As a result, the Plaintiff’s arguments all go to weight, not admissibility, and the motion to exclude will be denied by the Court.
Held
- The Court granted in part the Defendant’s motion to exclude or limit the testimony of Plaintiff’s experts, Toby Duncan and Matthew Merrell.
- The Court denied the Plaintiff’s motion to exclude the testimony of the Defendant’s expert, Vincent Hobson.
Key Takeaway
In exercising its gatekeeping function, the Court must make a preliminary assessment of whether the reasoning or methodology underlying the proposed expert testimony is valid and of whether that reasoning or methodology properly can be applied to the facts in issue, focusing specifically on the methodology and not the conclusions. To that end, expert testimony that is speculative, unsupported by sufficient facts, or contrary to the facts of the case, is inadmissible.
Case Details:
| Case Caption: | First Evangelical Lutheran Church Of Lincoln, Nebraska V. Brotherhood Mutual Insurance Company |
| Docket Number: | 4:23cv3180 |
| Court Name: | United States District Court, Nebraska |
| Order Date: | May 15, 2026 |
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