Court Opinion

ID: 9915568
Source: CourtListenerOpinion
Date Created: 2024-01-05 19:00:43.527781+00
Date Added: 2024-06-11T13:16:35.560173
License: Public Domain

Case: 23-30072        Document: 00517023278             Page: 1      Date Filed: 01/05/2024

             United States Court of Appeals
                  for the Fifth Circuit
                                                                                     United States Court of Appeals
                                                                                              Fifth Circuit

                                     ____________                                           FILED
                                                                                      January 5, 2024
                                      No. 23-30072                                     Lyle W. Cayce
                                     ____________                                           Clerk

   Sugartown United Pentecostal Church Incorporated,

                                                                      Plaintiff—Appellee,

                                            versus

   Church Mutual Insurance Company,

                                              Defendant—Appellant.
                     ______________________________

                     Appeal from the United States District Court
                        for the Western District of Louisiana
                              USDC No. 2:21-CV-1672
                     ______________________________

   Before Higginbotham, Higginson, and Duncan, Circuit Judges.
   Per Curiam:*
         A jury found that Church Mutual Insurance Co. (“CM”) underpaid
   its insured, Sugartown United Pentecostal Church (“Sugartown”), for
   property damage caused by Hurricane Laura. The jury also found that CM
   acted in bad faith. The district court awarded $502,172.16 in damages,
   penalties, and fees. CM now argues that the court abused its discretion in

         _____________________
         *
             This opinion is not designated for publication. See 5th Cir. R. 47.5.
Case: 23-30072     Document: 00517023278          Page: 2   Date Filed: 01/05/2024

                                   No. 23-30072

   various rulings and that the verdict was supported by insufficient evidence.
   Finding no reversible error on either front, we AFFIRM.
                                        I.
                                        A.
          Sugartown’s church building is located in Dry Creek, Louisiana.
   During a 2016 renovation, the church installed a new Heating, Ventilation,
   and Air Conditioning (“HVAC”) unit, new paneling and insulation, and a
   new roof. In January 2020, an appraiser, Blake Lopresto, inspected all
   interior rooms, the exterior, the roof, and interior and exterior HVAC units,
   finding no structural problems. The only evidence of water damage was a few
   off-colored ceiling tiles in one room, which Lopresto did not think indicated
   an HVAC issue. Later that month, after finding the building and roof to be
   in “good” condition, CM issued Sugartown a three-year insurance policy for
   $363,000.
          On August 27, 2020, Hurricane Laura damaged the building.
   Sugartown’s pastor, Timothy Deason, informed CM about the damage by
   September 14, 2020. Three days later, CM assigned the claim to Engle
   Martin & Associates, LLC, to inspect and prepare an estimate. Engle
   Martin’s Steve Montano visited the site on September 23, 2020. At Deason’s
   instruction, Montano inspected the property alone with no church
   representative present to help assess the damages.
          Montano inspected the church’s exterior, the roof, and all unlocked
   interior portions. But he could not access some rooms or the attic. Montano
   said that it was raining during the inspection and he did not see any leaking
   through the roof. He did not take moisture readings, properly measure the
   roof, nor obtain an external roof measurement report. He did identify minor
   wind damage to the roof and carport, as well as some interior water damage
   covered by the policy.

                                        2
Case: 23-30072         Document: 00517023278             Page: 3       Date Filed: 01/05/2024

                                          No. 23-30072

          On September 25, 2020, Montano submitted an “initial loss”
   estimate to CM. He submitted a final report to CM on October 22, 2020,
   estimating all covered losses at $14,857. Applying a $10,000 deductible,
   Montano recommended payment for $4,857. He identified only “minor
   damage to the metal roof” and did not consider any interior damage beyond
   damage in “the large assembly room.” One of Sugartown’s contractors
   disputed the amount of interior damage and offered to send Montano
   “moisture reporting for the entire building.” But Montano informed the
   contractor he would not consider any “leaking in the rear of the
   building . . . as there was no roof damage, (or storm created openings), to the
   exterior of these areas.” Based on Montano’s final report, CM paid
   Sugartown $4,138.781 on November 16, 2020—52 days after CM received
   Montano’s initial estimate and 25 days after his final report.
          Sugartown hired its own engineers, cost estimators, and moisture
   experts to inspect the property. In May 2021, Sugartown sent proof of loss
   reports to CM. They claimed damages about $229,000 above Montano’s
   estimate. Sugartown claimed CM “had ‘satisfactory proof of loss,’ as that
   term is understood under Louisiana law, the date [Montano] conducted [his]
   inspection of the damaged property.”
          In response, CM retained construction, engineering, and architecture
   experts to investigate Sugartown’s excess damages request. They found that
   Sugartown’s request was unsubstantiated and that the church sustained only
   $8,501.74 in hurricane damages. Summarizing their findings, CM stated that
   the interior water damage was not caused by Hurricane Laura nor any roof
   leak or puncture. Rather, “interior water damage [was] due to elevated
   moisture levels and widespread condensation issues associated with the

          _____________________
          1
              This figure excluded $718.22 in damage to the carport as not covered.

                                                3
Case: 23-30072      Document: 00517023278           Page: 4   Date Filed: 01/05/2024

                                    No. 23-30072

   HVAC system, which is located in the attic space.” The other “storm
   damages” claimed by Sugartown were preexisting defects not covered under
   the policy.
                                         B.
          On June 16, 2021, Sugartown sued CM for breach of contract in
   federal court based on diversity jurisdiction.
          At trial, Sugartown’s case-in-chief highlighted the inadequacies of
   CM’s inspections and the extent of its damages. Sugartown presented eight
   witnesses, including experts in insurance industry practices and in civil and
   structural engineering. For instance, Charles Bunn—an expert in insurance
   cost estimation and damage causation who inspected the church in May
   2021—estimated the replacement cost under the policy at $263,581.69 and
   the “Actual Cash Value” (“ACV”) of those repairs at $239,565.51.
   Sugartown also called Montano to testify about his initial inspection, his
   estimate of $14,857, and CM’s eventual payment of $4,138.78. Sugartown’s
   witness Phil Spotts, an expert in insurance claims handling and property
   underwriting, testified that Montano’s inspection was neither thorough nor
   within industry standards.
          During Sugartown’s case-in-chief, the parties disputed whether
   damages should be calculated according to the property’s ACV at the time
   of Hurricane Laura (August 2020) or according to the current repair cost.
   During Bunn’s testimony, the court sustained Sugartown’s objection to a line
   of inquiry suggesting the policy unambiguously applied ACV at the time of
   loss. The court ruled that, given the policy’s “conflicting definitions” of
   ACV, this would confuse the jury.
          CM’s case-in-chief sought to defend its handling of Sugartown’s
   claim and to portray the church’s interior water damage as caused by a faulty
   HVAC system, not Hurricane Laura. In particular, Guy Gonzalez, an

                                          4
Case: 23-30072         Document: 00517023278              Page: 5       Date Filed: 01/05/2024

                                          No. 23-30072

   architecture expert, testified that Sugartown’s HVAC system was “one of
   the worst leaking air conditioners because of condensation that [he] ha[d]
   seen,” and that it was “basically . . . raining inside the building.” Gonzalez
   also testified that an exterior HVAC unit had been dislodged because it was
   set the wrong way, not because of Hurricane Laura.
           After the defense rested, Sugartown announced it would call Ryan
   Daigle to rebut Gonzalez’s testimony. Daigle, a certified HVAC technician,
   had maintained the church’s systems. CM objected because Daigle had not
   been identified in Sugartown’s Rule 26 disclosure or its pretrial statement.
   The court overruled CM’s objection. Daigle testified that he serviced the
   HVAC units after the 2016 remodel and before Hurricane Laura, and that
   they were working perfectly and were not “raining condensation into the
   church.” After Hurricane Laura, Daigle returned to the church and had no
   “doubt in [his] mind” that the damage was caused by wind and not “the air-
   conditioning unit.”
           Before the case was submitted to the jury, CM orally moved and
   renewed a Rule 50(a) motion for judgment as a matter of law (“JMOL”),
   contesting that Sugartown had proved excess damages, CM’s bad faith, and
   CM’s untimely tender. The court denied both motions.
           The court instructed the jury on the relevant Louisiana insurance law.
   No party objected to the instructions. After deliberating, the jury found that
   CM owed Sugartown $223,825.91 in excess damages; that CM failed to pay
   within 30 days of satisfactory proof of loss; and that CM acted arbitrarily,
   capriciously, or without probable cause. Additionally, the court awarded the
   following penalties under Louisiana Revised Statute § 22:18922: half of
           _____________________
           2
             “All insurers . . . shall pay the amount of any claim due any insured within thirty
   days after receipt of satisfactory proofs of loss from the insured or any party in interest.”
   La. Stat. Ann. § 22:1892(A)(1).

                                                5
Case: 23-30072      Document: 00517023278           Page: 6   Date Filed: 01/05/2024

                                     No. 23-30072

   CM’s initial payment ($2,069.39) and half of the jury award due under the
   policy ($111,912.96). The court also awarded Sugartown attorney’s fees
   ($113,970.96) and costs ($50,392.96). The total award was $502,172.16.
          CM moved for a new trial under Rule 59 and, alternatively, for JMOL
   under Rule 50(b). Its new trial motion complained about Sugartown’s
   rebuttal witness, its use of allegedly misleading demonstrative aids, and
   counsel’s alleged Golden Rule references. Its JMOL motion argued
   Sugartown’s bad faith claims were supported by insufficient evidence. The
   district court denied both motions.
          CM timely appealed.
                                         II.
          We review properly preserved challenges to a district court’s
   evidentiary rulings for abuse of discretion. Reitz v. Woods, 85 F.4th 780, 787
   (5th Cir. 2023). Moreover, an error will result in reversal “only if it affected
   the substantial rights of the complaining party.” Ibid.
          We review denial of JMOL de novo, applying the same deferential
   standard as the district court in reviewing the jury’s verdict. Kim v. Am.
   Honda Motor Co., 86 F.4th 150, 159 (5th Cir. 2023). JMOL is proper only if
   “a reasonable jury would not have a legally sufficient evidentiary basis to find
   for the party on that issue.” Ibid. (citation omitted).
          We review denial of a new trial motion for abuse of discretion, which
   occurs “only when there is an absolute absence of evidence to support the
   jury’s verdict.” Apache Deepwater, L.L.C. v. W&T Offshore, Inc., 930 F.3d
   647, 653 (5th Cir. 2019) (internal quotation marks and citation omitted).
                                         III.
          On appeal, CM challenges four trial rulings made by the district court.
   It also contends there was insufficient evidence to support the jury’s verdict.

                                           6
Case: 23-30072         Document: 00517023278                Page: 7     Date Filed: 01/05/2024

                                          No. 23-30072

   These errors, CM argues, call for either a new trial or JMOL. We address
   each argument in turn.
                                                  A.
           We begin with CM’s argument that the district court erred by:
   (1) permitting Sugartown’s rebuttal witness, Daigle; (2) allowing
   Sugartown’s        demonstrative         aid        referencing    “insurance        rules”;
   (3) permitting Golden Rule references urging jurors to place themselves in
   Sugartown’s position;3 and (4) sustaining an objection to CM’s questioning
   about ACV valuation based on the policy’s “ambiguity.”
           We find no reversible error in any of these rulings.
                                                  1.
           CM argues the district court erred in permitting Daigle as a rebuttal
   witness. Under Federal Rule of Civil Procedure 26, a party must provide
   “information about the evidence that it may present at trial other than solely
   for impeachment,” including “each witness . . . the party expects to present
   and those it may call if the need arises.” Fed. R. Civ. P. 26(a)(3)(A),
   26(a)(3)(A)(i). The court’s pretrial order here forbade parties from calling
   witnesses, except for impeachment, unless they were disclosed “in a party’s
   Rule 26 disclosure” or pretrial disclosures. District courts have great
   discretion to enforce pretrial orders, and we will not reverse these rulings
   “absent a clear abuse of discretion.” Geiserman v. MacDonald, 893 F.2d 787,
   790 (5th Cir. 1990).

           _____________________
           3
             CM raised these first three issues as grounds for a new trial in its post-trial Rule
   59(e) motion. Because, as we discuss below, each argument is unavailing, the district court
   did not abuse its discretion by denying the Rule 59(e) motion. See Apache Deepwater, 930
   F.3d at 653.

                                                  7
Case: 23-30072      Document: 00517023278           Page: 8    Date Filed: 01/05/2024

                                     No. 23-30072

          The court permitted Daigle’s testimony because, under its pretrial
   order, Sugartown did not have to identify rebuttal witnesses. The court noted
   that Sugartown could not have known until trial that it would need to rebut
   Gonzalez’s language like, “worst HVAC system I’ve ever seen, raining in
   the church.” Accordingly, Sugartown was “entitled to call a rebuttal witness
   to rebut that [testimony].” The court restricted Daigle’s testimony to his
   servicing the HVAC systems before and after Hurricane Laura.
          According to CM, the court erred because Sugartown knew about the
   scope of Daigle’s testimony—the HVAC dispute—long before trial. CM
   points to HVAC references in pretrial documents, Sugartown’s opening
   statement, and testimony from Sugartown’s witnesses. Daigle’s testimony,
   CM says, prejudiced its defense because Sugartown had the last word before
   closing arguments. We see no abuse of discretion here, however.
          Gonzalez never stated before trial that it was “raining” inside the
   church, that this was “one of the worst” HVAC systems he had seen, nor
   that the outdoor unit was improperly installed. Accordingly, Gonzalez’s
   testimony included “new” facts permitting Daigle’s targeted rebuttal. See,
   e.g., Morgan v. Com. Union Assurance Cos., 606 F.2d 554, 555 (5th Cir. 1979)
   (explaining that “[r]ebuttal” denotes “evidence introduced by a [p]laintiff to
   meet new facts brought out in his opponent’s case in chief”); Rodriguez v.
   Olin Corp., 780 F.2d 491, 495, 496 (5th Cir. 1986) (rebuttal allowed if defense
   has “raised new matters,” meaning “the evidence was not fairly and
   adequately presented to the trier of fact before the defendant’s case in
   chief”).
          Moreover, CM admits it was aware of Daigle’s involvement prior to
   trial. So, allowing Daigle to testify caused no unfair prejudice or surprise. See
   United States v. Brock, 833 F.2d 519, 522 (5th Cir. 1987) (no prejudice from
   rebuttal witness unless “the [opposing party] is denied an opportunity to

                                          8
Case: 23-30072      Document: 00517023278           Page: 9    Date Filed: 01/05/2024

                                     No. 23-30072

   present evidence on any new issue raised”); Grizzle v. Travelers Health
   Network, Inc., 14 F.3d 261, 270 (5th Cir. 1994) (no “unfair surprise” because
   opposing party knew witness’s identity and relevance months prior to trial);
   Morfeld v. Kehm, 803 F.2d 1452, 1455 (8th Cir. 1986) (“The primary purpose
   of the pretrial witness disclosure rule is to give parties notice of who will be
   called to testify, thereby avoiding unfair surprise or prejudice at trial.”).
          In sum, the court did not abuse its discretion in allowing Daigle’s
   rebuttal testimony.
                                          2.
          CM next argues the district court erred in allowing Sugartown’s
   demonstrative aid concerning insurance industry practices. The aid in
   question was titled, “Insurance claims rules and standards.” The district
   court overruled CM’s objection that the aid would mislead the jury into
   thinking that insurance industry standards were equivalent to legal rules.
          Federal Rule of Evidence 611(a) gives courts “discretion to allow
   [parties] to use . . . summary charts and organizational charts.” United States
   v. Posada-Rios, 158 F.3d 832, 869 (5th Cir. 1998). The court can “control the
   presentation of evidence” by permitting pedagogical devices and
   demonstrative aids intended to present a party’s version of the case. United
   States v. Taylor, 210 F.3d 311, 315 (5th Cir. 2000) (citation omitted).
   Demonstrative aids are typically permitted “to assist the jury in evaluating
   the evidence, provided the jury is forewarned that the charts are not
   independent evidence.” Ibid. It is generally not an abuse of discretion for a
   court to allow demonstrative aids when accompanied by such a limiting
   instruction. See, e.g., Posada-Rios, 158 F.3d at 869.
          CM contends the jury likely was confused into thinking that
   “insurance rules” were synonymous with “insurance laws.” According to
   CM, this unfairly prejudiced CM because Sugartown was thereby enabled

                                           9
Case: 23-30072      Document: 00517023278           Page: 10   Date Filed: 01/05/2024

                                     No. 23-30072

   to suggest CM broke the law. The district court disagreed. It did not think a
   reasonable juror would be misled into believing “insurance rules” were legal
   rules as opposed to industry standards. The court nonetheless gave a curative
   instruction that demonstrative aids were merely presented as “summaries,”
   not evidence.
          Even assuming the aid’s title could have confused the jury, the district
   court’s instruction eliminated any harm. The instruction was identical to the
   Fifth Circuit’s Pattern Civil Jury Instruction for consideration of charts and
   summaries. See Pattern Civ. Jury Instr. 5th Cir. 2.7 (2020). We
   have found similar curative instructions sufficient to withstand abuse of
   discretion review. See, e.g., Taylor, 210 F.3d at 315; Posada-Rios, 158 F.3d at
   869; Intrastate Gas Gathering Co. v. Dow Chem. Co., 248 F.3d 1140 (5th Cir.
   2001) (per curiam) (unpublished). Accordingly, we see no abuse of discretion
   in the district court’s ruling.
                                         3.
          CM also argues the district court erred by permitting Golden Rule
   references by Sugartown’s counsel. An improper “Golden Rule argument
   suggests that the jury place themselves in the plaintiff’s position and do unto
   him as they would have him do unto them.” Learmonth v. Sears, Roebuck and
   Co., 631 F.3d 724, 732 (5th Cir. 2011) (internal quotation marks and citation
   omitted); see also Stokes v. Delcambre, 710 F.2d 1120, 1128 (5th Cir. 1983)
   (forbidding “plaintiff’s counsel to explicitly request a jury to place
   themselves in the plaintiff’s position and do unto him as they would have him
   do unto them”).
          According to CM, Sugartown’s counsel made Golden Rule
   references throughout opening and closing statements and during some
   witness testimony. For example, counsel asked the jury to consider the
   “verdict in this case is a symbol in this community” about how important

                                         10
Case: 23-30072     Document: 00517023278           Page: 11    Date Filed: 01/05/2024

                                    No. 23-30072

   insurance “standards are in our costal region when we’re dealing with these
   hurricanes and insurance all the time.” Arguments like these, CM says, were
   improper and warrant a new trial.
          We review for plain error because CM never objected to any Golden
   Rule references at trial. So, CM must show clear or obvious error that
   affected its substantial rights and compromised the trial’s “fairness,
   integrity, or public reputation.” In re Deepwater Horizon, 824 F.3d 571, 583
   (5th Cir. 2016) (per curiam). Even assuming counsel’s remarks were
   improper, CM cannot show plain error because of the district court’s
   curative instructions. The court told the jury to decide based solely on the
   evidence, not counsels’ arguments. It also instructed the jury to “not let bias,
   prejudice, or sympathy play any part in [their] deliberations” and that “the
   defendant is a corporation . . . and must be treated [with individuals] as
   equals in the court of justice.” We have ruled that similar curative
   instructions purged any potential prejudice from counsel’s untoward
   remarks. See Learmonth, 631 F.3d at 732–33 (any “impropriety” in counsel’s
   Golden Rule comments “was effectively cured” by instructions that the jury
   “not be swayed by sympathy or bias,” that corporations have “equal
   standing in the community,” and that “lawyers’ arguments are not
   evidence”); cf. United States v. Cochran, 697 F.2d 600, 607 (5th Cir. 1983)
   (declining to “view juries as emotional slot machines” and instead reviewing
   effect of counsel’s “hyperbolic statement with some level of confidence in
   [jurors’] maturity”).
          Accordingly, we see no plain error here.
                                         4.
          Finally, CM argues the court erred by precluding counsel’s
   questioning as to whether the policy calculated the ACV of repairs as of
   August 2020 (when Hurricane Laura hit) instead of May 2021 (as Sugartown

                                          11
Case: 23-30072       Document: 00517023278              Page: 12      Date Filed: 01/05/2024

                                         No. 23-30072

   argued). The court found the policy ambiguous on this point and thought
   CM’s questioning would confuse the jury. CM denies the policy was
   ambiguous and contends it should have been permitted to put on evidence
   that the policy required an August 2020 ACV valuation, instead of May
   2021. CM asks us to remand with instructions to apply a time-of-loss ACV.
           We need not decide whether the district court erred in its evidentiary
   ruling. Even assuming it did, CM fails to show that allowing counsel’s
   questioning about the ACV would likely have swayed the jury’s verdict. See
   Reitz, 85 F.4th at 787 (evidentiary rulings subject to harmless error analysis).
   CM does not show that the jury would have likely applied a time-of-loss
   valuation had they elicited testimony to that effect. CM never even asked the
   court to instruct the jury on its time-of-loss interpretation. For its part, the
   jury considered the written policy, along with the court’s unchallenged
   instruction on how to calculate ACV.4 Moreover, the jury also heard CM’s
   corporate representative, Wiggins, testify that the jury should apply a time-
   of-loss ACV. In light of all this evidence, including estimates prepared by
   both parties, the jury made its own determination of how much excess
   damages were due to Sugartown. CM has not shown that allowing counsel’s
   questioning about time-of-loss ACV would likely have changed anything.
           Accordingly, even assuming the court erred in its evidentiary ruling,
   CM has not shown that ruling had any effect on the jury’s verdict.

           _____________________
           4
             To calculate damages, the court told the jury it “may award damages on an
   [ACV] basis,” which “is the reproduction cost less depreciation. Stated another way, it is
   the cost of duplicating the damaged property with materials of like kind and quality, less
   allowance for existing physical deterioration and depreciation.” To award such damages,
   the court stated, the jury should calculate “an amount equal to the cost of restoring the
   property to its condition before Hurricane Laura, less any applicable deductible and any
   prior payments. The touchstone for determining [ACV] is to put the insured in exactly the
   same position as he or she is right before the loss.”

                                              12
Case: 23-30072     Document: 00517023278            Page: 13   Date Filed: 01/05/2024

                                     No. 23-30072

                                          B.
          Next, we consider CM’s argument that the jury heard insufficient
   evidence to find bad faith. We will not disturb a jury verdict if it is “based on
   substantial evidence and reasonable inferences.” Cotton Bros. Baking Co. v.
   Indus. Risk Insurers, 941 F.2d 380, 390 (5th Cir. 1991) (citation omitted). We
   must “consider all the evidence and avoid second-guessing conflicts in the
   evidence or credibility determinations.” Ibid. (cleaned up). Here, the district
   court denied CM’s JMOL motion based on this sufficiency-of-the-evidence
   argument. See Fed. R. Civ. P. 50(a)(1)(A). We “will not reverse the denial
   of a JMOL motion unless there is no substantial evidence to support the
   verdict, or if the legal conclusions implied from the jury’s verdict cannot in
   law be supported by those findings.” Kim, 86 F.4th at 159 (internal quotation
   marks and citation omitted).
          Louisiana imposes penalties on insurance companies who act in bad
   faith. See La. Stat. Ann. § 22:1892(B)(1)(a)–(b); Baack v. McIntosh, 333
   So. 3d 1206, 1217 (La. 2021). To assess such penalties, a plaintiff must prove
   “(1) an insurer has received satisfactory proof of loss, (2) the insurer fails to
   tender payment within thirty days of receipt thereof, and (3) the insurer’s
   failure to pay is arbitrary, capricious or without probable cause.” First Am.
   Bank v. First Am. Transp. Title Ins. Co., 759 F.3d 427, 436 (5th Cir. 2014)
   (citation omitted); see also La. Stat. Ann. § 22:1892(B)(1)(a) (penalties
   accrue upon “failure to make such payment within thirty days after receipt
   of such satisfactory written proofs and demand therefor”). Satisfactory
   “proof of loss is a flexible requirement to advise an insurer of the facts of the
   claim, and . . . need not be in any formal style.” La. Bag Co. v. Audubon Indem.
   Co., 999 So. 2d 1104, 1119 (La. 2008) (internal quotation marks and citation
   omitted). Penalties “are inappropriate when the insurer has a reasonable
   basis to defend the claim and acts in good-faith reliance on that defense.”
   Reed v. State Farm Mut. Auto. Ins. Co., 857 So. 2d 1012, 1021 (La. 2003).

                                          13
Case: 23-30072      Document: 00517023278            Page: 14    Date Filed: 01/05/2024

                                      No. 23-30072

   “[W]hether an insurer’s action was arbitrary, capricious or without probable
   cause is essentially a fact issue to be determined by the trial court and not to
   be disturbed on appeal absent manifest error.” La. Bag Co., 999 So. 2d at
   1120.
           CM contends the jury had no evidence to support a bad faith finding.
   Based on § 22:1892, which requires written proofs of loss “from the insured
   or any party in interest,” CM claims such proofs could have come only from
   Sugartown. Thus, it claims this occurred only when Sugartown sent its
   statements to CM on May 25, 2021—well after CM’s payment on
   November 16, 2020. Alternatively, even if proofs need not come from
   Sugartown, the proper trigger date should have been October 20, 2020, when
   it received Montano’s final report. Finally, CM claims its good faith reliance
   on experts should have insulated it from a finding that it acted in an arbitrary
   and capricious manner.
           Like the district court, we reject these arguments. First, CM points to
   no authority that § 22:1892 requires written proof of loss from the insured
   alone. Cf. Sevier v. U.S. Fid. & Guar. Co., 497 So. 2d 1380, 1384 (La. 1986)
   (holding repair estimate by the insurance adjuster’s contractor was
   satisfactory proof of loss); J.R.A. Inc. v. Essex Ins. Co., 72 So. 3d 862, 881 (La.
   Ct. App. 2011) (“A personal inspection of an insured’s property by an
   adjuster for the insurance company also constitutes satisfactory proof of
   loss.”). Moreover, the district court’s jury instruction on this point—to
   which CM offered no objection—was identical to the one approved by the
   Louisiana Supreme Court. See La. Bag Co., 999 So. 2d at 1119. The jury heard
   evidence that Montano’s initial written estimate on September 20, 2020
   constituted a satisfactory proof of loss under this standard. Accordingly, the
   jury could have reasonably found that CM’s payment of November 16, 2020
   was untimely under the 30-day period.

                                           14
Case: 23-30072     Document: 00517023278            Page: 15   Date Filed: 01/05/2024

                                     No. 23-30072

          Furthermore, whether CM acted arbitrarily, capriciously, or without
   probable cause was a fact question for the jury. See id. at 1120. In a “battle of
   the experts,” a jury “must be allowed to make credibility determinations and
   weigh the conflicting evidence in order to decide the likely truth of a matter.”
   Foradori v. Harris, 523 F.3d 477, 516 (5th Cir. 2008) (quoting Garner v.
   Santoro, 865 F.2d 629, 644 (5th Cir. 1989)). The jury found CM’s conduct—
   even given its reliance on experts—arbitrary, capricious, or without probable
   cause. Seeing no “manifest error” in this finding, we cannot disturb it on
   appeal. La. Bag Co., 999 So. 2d at 1120. Accordingly, the district court
   correctly denied CM’s JMOL motions.
                                         IV.
          The judgment is AFFIRMED.

                                          15