Third District Court of Appeal

State of Florida 

Opinion filed April 13, 2022.

Not final until disposition of timely filed motion for rehearing.

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No. 3D21-1602

Lower Tribunal No. 18-690

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Chen Peng and Xingzhi Chen,

Appellants,

vs.

Citizens Property Insurance Corporation,

Appellee.

An Appeal from the Circuit Court for Miami-Dade County, Mark 

Blumstein, Judge.

Montalto Legal, LLC, and Stephen Montalto, for appellants.

Nicklaus & Associates, P.A., and Edward R. Nicklaus and Stephen V. 

Marasia, for appellee.

Before FERNANDEZ, C.J., and EMAS and SCALES, JJ. 

SCALES, J.
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Appellants Chen Peng and Xingzhi Chen (“Chen”), plaintiffs below,

appeal both a final summary judgment in favor of appellee Citizens Property 

Insurance Corporation (“Citizens”), defendant below, and an antecedent

order that excluded the testimony of Chen’s expert witness. Because we 

conclude that the trial court erred in granting Citizens’s Daubert1 motion to 

exclude the testimony of Chen’s expert, we reverse.

I. Relevant Facts and Procedural History

A. Chen’s Claim of Wind-Created Roof Damage

Citizens issued a “wind-only” insurance policy to Chen for Chen’s 

residence for the period of December 22, 2016, to December 22, 2017. Chen 

reported a roof leak and accompanying interior water damage that had

occurred on September 10, 2017, the date Hurricane Irma struck MiamiDade County.

The relevant policy provision reads as follows:

Peril Insured Against

1. We insure for direct physical loss to the property 

described . . . by the peril of windstorm or hail unless the loss is 

excluded in EXCLUSIONS.

2. With respect to paragraph 1. above, coverage for loss 

caused by a Peril Insured Against includes loss to:

. . . .

1 See Daubert v. Merrell Dow Pharm., Inc., 509 U.S. 579 (1993).
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b. The inside of a building or the property we cover 

contained in a building caused by . . . rain . . . if the direct force 

of the windstorm or hail first damages the building, causing an 

opening through which the rain . . . enters and causes damage.

Two weeks after Hurricane Irma passed, on September 24, 2017, 

Citizens inspected Chen’s roof. Citizens’s inspector found no visible sign of 

roof damage or a roof opening attributable to windstorm. The inspector noted 

damage from wear and tear.2 On January 9, 2018, Chen filed a breach of 

contract lawsuit against Citizens in the circuit court.

Citizens sent another roof inspector to Chen’s home on June 4, 2018. 

Like the first inspector, the second inspector concluded that none of the 

damage inside Chen’s home was caused by an opening created by 

Hurricane Irma. This inspector further concluded that, if water from the roof 

penetrated Chen’s home, then it came through a pre-existing opening in the 

roof; he had observed some stucco damage at the base of the chimney 

unrelated to a windstorm event.

2 For reasons unclear from the record, Citizens sent Chen a letter on October 

8, 2017, advising that the cost to repair or replace the damage to Chen’s 

property did not exceed Chen’s policy’s hurricane deductible. Citizens 

advised Chen that it was crediting $9,250 toward Chen’s annual deductible. 

It appears from this letter that Citizens found some degree of coverage, even 

though Citizens maintained that Chen experienced no windstorm-related 

roof damage. We need not further address this apparent contradiction 

because the parties did not do so on appeal.
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B. The Salleh inspection and resulting testimony

Chen hired a civil engineer, Mohamad Salleh, to inspect the roof and 

to opine on the cause of Chen’s interior water intrusion. Salleh, a licensed 

professional engineer for some twenty-two years, inspected Chen’s property

on November 3, 2018, and his resulting, brief report stated: “It appeared that 

the recent wind storm did affect the integrity of the existing roof system.” The 

report contained attachments that showed where the roof had leaked and a 

proposed roof repair area.

Citizens deposed Salleh on August 19, 2019. In his deposition, Salleh 

testified that the most probable cause for Chen’s interior water damage was 

intrusion from wind-driven rain under the shingles on Chen’s roof. Salleh 

testified that, in reaching his conclusion, he spent two hours onsite at the 

Chen residence, inspecting both the roof and the interior. He testified that he 

studied weather conditions during the relevant time period, including wind 

speeds and rainfall. He considered the age and pitch of the roof, as well as

the overall condition of the roof and its shingles. He testified that he consulted

roofing books and that he also relied upon discussions with the property 

owner regarding when the interior water intrusion manifested itself. 

At the end of his deposition, Salleh testified that, possibly, his opinion 

could have been more refined, had he conducted destructive testing on the 
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roof’s shingles, but that he did not conduct such testing because he was 

confident in his opinion. Perhaps because of some imprecision in his 

testimony, on the same day of his deposition, Salleh executed a sworn 

affidavit confirming “that the water leaked into the home must have been 

caused by a small hole or holes created by Hurricane Irma.”

C. Citizens’s Daubert motion and order granting same

Arguing that Salleh’s testimony lacked reliability, Citizens filed a 

Daubert motion seeking to exclude Salleh’s expert testimony. In this motion,

Citizens argued that Salleh’s opinions, expressed in his report and 

deposition, conflict with each other and are not based upon scientific facts.

Specifically, Citizens argued that unlike in his affidavit, in his deposition, 

Salleh had not mentioned that water had intruded into Chen’s home through 

any holes or other openings. Citizens also argued that Salleh’s testimony 

lacked reliability because Salleh had failed to perform any destructive testing 

on the roof shingles. 

After conducting a hearing on Citizen’s Daubert motion, the trial court 

agreed with Citizens and entered the challenged interlocutory order 

excluding Salleh as a witness. In its order, the trial court stated its rationale 

as follows:

Mohamad Salleh expressed conflicting opinions regarding 

whether a windstorm caused an opening in the Plaintiff’s roof.
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His opinions were not based upon sufficient facts or data. Mr. 

Salleh’s opinions do not meet the Daubert standard. 

The transcript of the October 12, 2000 hearing on Citizen’s Daubert

motion reflects that the trial court questioned Salleh’s reliability as an expert 

witness also because Salleh had not followed through with destructive

testing of the roof shingles. 

D. Citizen’s summary judgment motion and order granting same

Shortly after Citizens prevailed on its Daubert motion, it filed its third 

amended motion for summary judgment, the trial court having denied 

Citizens’s prior two summary judgment motions. Citizens’s summary 

judgment motion essentially paralleled its Daubert motion in that Citizens 

maintained that Chen had no proof that Hurricane Irma caused roof openings 

that led to coverage for interior water damage to Chen’s home. In support 

of its summary judgment motion, Citizens filed affidavits of its engineering 

expert and its adjustor, both of whom attributed the interior damage to Chen’s 

home to roof wear and tear. Having struck Salleh as a witness,3 the trial court 

3 After the trial court struck Salleh as Chen’s expert, Chen engaged a second 

engineer who, apparently without inspecting Chen’s property, issued a report 

and executed an affidavit that was filed by Chen in opposition to Citizen’s 

summary judgment motion. In its summary judgment order, the trial court 

disregarded, as conclusory, the report and affidavit of Chen’s second 

engineer, which he had prepared some three and half years after Hurricane 

Irma. Because of our reversal on other grounds, we need not, and therefore 
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determined, after a hearing on July 6, 2021, that all of the summary judgment 

evidence properly before it supported only Citizens’s version of the cause of 

Chen’s interior water damage, and therefore no genuine issue of material 

fact existed as to whether Chen’s claim was covered. Thus, the trial court 

granted Citizen’s summary judgment motion and entered final summary 

judgment on July 7, 2021.

Chen timely appealed both the Daubert order and the resulting final 

summary judgment.

II. Standards of Review

In this case, we employ two standards of review. We review a trial 

court’s decision to admit or exclude expert testimony for an abuse of 

discretion. Kumho Tire Co. v. Carmichael, 526 U.S. 137, 152 (1999); State 

Farm Mut. Auto. Ins. Co. v. Nob Hill Family Chiropractic, 328 So. 3d 1, 6 (Fla. 

4th DCA 2021) (requiring “[f]or proper appellate review purposes” of a 

decision to exclude expert testimony under Daubert, that the trial court create 

a sufficient record and make specific findings of fact on the record “whether 

the testimony was scientifically reliable and factually relevant.” (quoting Bitler 

v. A.O. Smith Corp., 400 F.3d 1227,1232 (10th Cir. 2005))). We employ a de 

do not, offer any opinion as to whether the trial court erred in disregarding 

the proffered summary judgment evidence of Chen’s second engineer. 
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novo review, however, of whether the summary judgment record presents a 

genuine issue of material fact. State Farm Mut. Auto. Ins. Co. v. Gonzalez, 

178 So. 3d 448, 450 (Fla. 3d DCA 2015).

III. Analysis

Based on our de novo review of the summary judgment evidence, if 

the trial court had not stricken Salleh as a witness, a genuine issue of 

material fact would have existed as to whether Chen’s interior water damage 

was a covered loss under the Citizens policy. Indeed, Citizens’s summary 

judgment evidence supports its position that the water intrusion was the 

result of normal wear and tear (therefore, not a covered loss), and, to the 

contrary, Chen’s summary judgment evidence (concisely stated in Salleh’s 

affidavit) supports their position that the water intrusion was the result of 

small holes caused by Hurricane Irma (therefore, covered under the policy).

This presents a classic dispute of material fact. See Echevarria v. Lennar 

Homes, LLC, 306 So. 3d 327, 329-30 (Fla. 3d DCA 2020) (reversing 

summary judgment where there was a clear conflict between experts, giving 

rise to a disputed issue of material fact); see also Morales v. Citizens Prop. 

Ins. Corp., No. 3D21-276, 2022 WL 790294, at *1-3 (Fla. 3d DCA Mar. 16, 

2022). Hence, our focus in this case is the outcome-determinative inquiry of 
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whether the trial court abused its discretion by striking Salleh as an expert 

witness under Daubert. 

Under Daubert,

4 a trial court, in a “gatekeeping” role, makes a 

preliminary assessment whether expert testimony is admissible. Royal 

Caribbean Cruises, Ltd. v. Spearman, 320 So. 3d 276, 290 (Fla. 3d DCA 

2021). In this assessment, the trial court must be careful not to intrude upon 

the adversary system because, as the Supreme Court explained in Daubert, 

“[v]igorous cross-examination, presentation of contrary evidence, and careful 

instruction of the burden of proof are the traditional and appropriate means 

of attacking shaky but admissible evidence.” Daubert, 509 U.S. at 596. The 

4 In 2013, the Florida Legislature adopted, and codified, the Daubert 

standard as follows: 

If scientific, technical, or other specialized knowledge will assist 

the trier of fact in understanding the evidence or in determining 

a fact in issue, a witness qualified as an expert by knowledge, 

skill, experience, training, or education may testify about it in the 

form of an opinion or otherwise, if:

(1) The testimony is based upon sufficient facts or data;

(2) The testimony is the product of reliable principles and 

methods; and

(3) The witness has applied the principles and methods reliably 

to the facts of the case.

§ 90.702, Fla. Stat. (2020).
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trial court, therefore, must be careful not to cross an elusive line between 

determining admissibility and weighing the evidence. Altidor v. Carnival 

Corp., 550 F. Supp. 3d 1322, 1331 (S.D. Fla. 2021).

An expert’s testimony must be reliable – and be based on a reliable 

methodology – and not be speculative. McCorvey v. Baxter Healthcare 

Corp., 298 F.3d 1253, 1256 (11th Cir. 2002). In striking Salleh under 

Daubert, the trial court determined that Salleh’s testimony lacked the 

requisite reliability both because it was contradictory and because it was

speculative in that it was not based upon sufficient facts or data. We disagree 

in both respects. 

In the summary judgment context, we are required to view the 

summary judgment evidence in a light most favorable to Chen, as the nonmovant. Maronda Homes, Inc. of Fla. v. Lakeview Reserve Homeowners

Ass’n, 127 So. 3d 1258, 1268 (Fla. 2013); Morales, 2022 WL 790294 at *2. 

While a party may not baldly repudiate prior deposition testimony in order to 

avoid summary judgment, a party may explain prior testimony with a 

subsequent affidavit, even if the affidavit creates a fact issue precluding 

summary judgment. Ouellette v. Patel, 967 So. 2d 1078, 1083 (Fla. 2d DCA 

2007). 
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With these principles in mind, we conclude that Salleh’s testimony, 

while unclear, was not contradictory. In his deposition Salleh testified that the 

water intrusion damage resulted from wind-driven rain coming into the house 

from under the roof shingles during Hurricane Irma. Salleh’s affidavit clarified 

that small holes in the roof allowed such seepage.5 We agree with Chen that 

any discrepancies between Salleh’s affidavit and his deposition may provide 

fertile ground for cross-examination but should not serve as the basis for his

being stricken under Daubert. 

We also disagree with the trial court’s determination that Salleh’s 

testimony lacked the requisite scientific basis for reliability under Daubert. 

Salleh applied a similar roof-inspection methodology to that of Citizens’s 

inspectors. He performed a two-hour inspection of the roof and shingles that 

included inspecting the home’s interior where the water damage occurred. 

Salleh supplemented his inspection by conducting research in roofing 

manuals. Both sets of inspectors researched weather data on the alleged 

date of loss. Both sets of inspectors applied their professional engineering 

5 Portions of Salleh’s deposition testimony were admittedly unclear. For 

example, when Salleh testified in his deposition that he did not know whether 

Hurricane Irma caused any roof openings, it appears that – consistent with 

his report and affidavit – he meant that he did not observe any roof openings. 

His affidavit later clarified that the water intrusion “must have” resulted from 

water intrusion through small wind-created holes underneath the shingles.
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experience to arrive at their divergent opinions. Both sets of inspectors, 

therefore, applied a standard, reliable roof inspection method that serves to 

assist the trier of fact. See United Fire & Cas. Co. v. Whirlpool Corp., 704 

F.3d 1338, 1342 (11th Cir. 2013) (holding that the district court abused its 

discretion by precluding expert testimony based on a “widely accepted 

methodology and grounded in the available physical evidence”); Baan v. 

Columbia Cnty., 180 So. 3d 1127, 1133 (Fla. 1st DCA 2015).6

Focusing not on what Salleh opined, but, rather, on what Salleh did, 

we conclude that Salleh’s expert testimony satisfied the three prongs of 

section 90.702 (see footnote 4, supra), and that Chen established, by a 

preponderance of the evidence, an adequate basis for the admissibility of 

Salleh’s testimony. Spearman, 320 So. 3d at 289. It is for the trier of fact to 

determine the worthiness of Salleh’s professional opinion.

III. Conclusion

In considering Citizens’s Daubert motion, the trial court erred by 

weighing the testimony of Chen’s expert rather than limiting itself to an 

6 We note the trial court’s stated concern that Salleh failed to perform 

constructive testing on roof shingles, the testing of which, Salleh suggested 

at his deposition, might support his theory. Again, the relevance of 

destructive testing of shingles goes to the weight of Salleh’s testimony and 

its absence does not rob his testimony of its admissibility.
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examination of its admissibility. Accordingly, we reverse both the Daubert 

order and the final summary judgment and remand for further proceedings 

consistent with this opinion.