This case arises from an insurance policy and its alleged breach. Riva’s luxury high-rise condominium development sustained damage from Hurricane Ian.
The issue Steadfast raised with the Court now is how Riva’s expert arrived at his estimate. Riva hired Dr. Anurag Jain, an engineer, to inspect the property. Dr. Jain and his team investigated the property over the course of multiple days, focusing on the roofs, windows, door systems, interiors, and exteriors of the building. But they didn’t knock on every door. Instead, Jain focused on the interiors and fenestrations (windows and glass doors) in 43 of 161 condominium units, capturing 27% of the total. The units he inspected were selected in accordance with the “qualitative” sampling methods outlined in the American Society of Civil Engineers’ (“ASCE”) guidelines. In his report, Jain explains that this choice was meant “to cover a sufficiently large sample of units and windows and doors across the buildings and various exposures with multiple units on each floor and each stack of the buildings.”
At bottom, rather than inspect every unit—a time-consuming and expensive process—Jain determined the level of damage in the building by analyzing the losses observed in the sample. Since he suggested replacing or repairing a specific percentage of windows and sliding glass doors in the sample, he applied the same percentage to all windows and glass doors across the building. Put simply, he extrapolated.
Motion to Exclude
Steadfast looked at Jain’s report and saw a house of cards. In its view, his opinions are unreliable for two main reasons. First, the damage could have been caused by Hurricane Irma in 2017, which Jain did not sufficiently rule out. Second, Steadfast claimed that the math is broken—arguing that extrapolation is a clumsy shortcut that will force it to pay for repairing perfectly good windows. To keep the jury from hearing a word of it, Steadfast sought to exclude Jain’s testimony.
Engineering Expert Witness
Dr. Anurag Jain has investigated more than 3,000 hurricane-damaged buildings, including losses from Hurricane Ian, and has testified in depositions and trials involving wind-related structural damage.
He holds a Ph.D. in structural engineering (wind engineering emphasis) and a master’s degree in structural engineering from Johns Hopkins University, as well as a Bachelor of Technology in civil engineering from Banaras Hindu University.
Discussion by the Court
A. Hurricane Irma
Steadfast’s argument that Jain did not rule out alternative causes of the property damage is this: because he opined that the “duration” of Hurricane Ian’s high winds caused the damage, he should have also calculated whether the duration of Hurricane Irma, from 2017, could have caused the same damage.
The problem with this argument is straightforward—Jain did consider Irma. He testified that Riva’s property was designed to withstand Hurricane Ian, but the duration of the strong winds caused the building to succumb to its pressure.
But Jain didn’t just throw up his hands because the data was sparse. He checked the available pre-Ian documents—including a 2021 Condition Survey Report, which was entirely silent on any window or door damage. To an engineer, that silence made perfect sense: Irma simply lacked the muscle to inflict similar destruction.
Analysis
Steadfast protests that Jain did not see any reported damage to the windows and doors because that is not what the 2021 Condition Survey was looking for. According to Steadfast, the survey only inspected the exterior of the property, and since the interior was never examined, the report could not have identified any fenestration damage. Apparently, this was corroborated by the survey company, who testified that the 2021 assessment did not include an inspection of the buildings’ interiors. While that may certainly weaken Jain’s opinions, it did not change the reliability analysis here.
The narrow question at this stage is simply whether Jain adequately grappled with obvious alternative explanations. He did. In his professional judgment, if Hurricane Irma had actually caused building-wide damage, the inspecting engineers would have written it down. Steadfast insists this is a total misreading of the 2021 Condition Survey. But that kind of disagreement goes to the credibility of his conclusion, not the reliability of his threshold method. If Steadfast wants to convince a jury that the report’s silence means something else entirely, it is welcome to try. That is exactly what cross-examination is for.
B. Extrapolation
Next up, Steadfast challenged Jain’s reliance on statistics instead of personally inspecting each unit to determine the percentage of damaged fenestrations. Basically, Steadfast argued that “extrapolating findings from only 27% of units to the entire 161-unit complex is not scientifically valid under accepted engineering Daubert principles.”
Look at how Jain actually did the math. He didn’t invent a number out of whole cloth; he recorded the exact percentage of damage he saw in his sample and let those real-world findings dictate the building-wide projections. For example, he found that 24% of the sliding glass doors observed in the North Building had panel framing joint rotation, a bent or impacted frame, or water penetration through the joints.
Because those specific flaws signal broken internal sealants and compromised framing, he concluded that 24% of the sliding glass doors in the North Building need to be replaced. The math is not a black box—it is the product of simple statistics. And Jain’s sampling focus is identical to his extrapolation subject: sliding glass doors, single-hung windows, and fixed windows divided by building and categorized by the type of damage each sustained. A reasonable jury does not have to accept Jain’s conclusions as true, but his math is not unreliable.
Jain staggered the units he inspected across 19 stories, based on each unit’s location within each building. He did this “to cover a sufficiently large sample of units and windows and doors across the buildings and various exposures with multiple units on each floor and each stack of the buildings.” The ASCE guidelines support precisely this type of extrapolation.
Held
In conclusion, the Court denied Steadfast Insurance Company’s motion in limine to exclude the testimony of Dr. Anurag Jain.
Key Takeaway
The Court’s job under Daubert is to screen an expert’s methodology, not to decide which side has the more persuasive argument or to declare who is ultimately correct.
Case Details:
| Case Caption: | Riva Del Lago Condominium Association, Inc. V. Steadfast Insurance Company |
| Docket Number: | 2:24cv1056 |
| Court Name: | United States District Court, Florida Middle |
| Order Date: | June 14, 2026 |
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