MEC&F Expert Engineers : 12/20/17

Wednesday, December 20, 2017

A contractor from Wiggins Construction was killed at Charlotte Pipe & Foundry in Monroe, NC after he fell into a hole that was being dug to pour footers for a new fall protection system





CHARLOTTE, N.C. (WBTV) – A worker died from injuries suffered during a work-related incident in Monroe Tuesday afternoon.

Officials say they responded to an industrial accident at Charlotte Pipe & Foundry located in the 4200 block of Old Charlotte Highway in Monroe. The worker fell into a hole that was “being dug to pour footers for a new fall protection system,” Charlotte Pipe officials said.

The worker, who Charlotte Pipe & Foundry identified as a contractor from Wiggins Construction, was seriously injured and transported to Carolinas Medical Center-Union where he was pronounced dead, reports stated.

“We’re just worried, concerned about the family,” said Brad Muller, vice president of marketing at Charlotte Pipe & Foundry.

Officials are continuing their investigation.

The victim’s name has not been released.

No further information has been provided.

Inspection records from the United States Department of Labor show that ‘serious’ violations were found at the Charlotte Pipe & Foundry facility on South Clarkson Street in Charlotte in 2011. The violations pertained to “flammable and combustible liquids.”

Records also show that serious violations were found at the Charlotte Pipe & Foundry facility in Huntsville, Alabama, back in 2012. The violations were for ‘occupational noise exposure’.

“We have a good safety record, far below the industry average,” said Muller when asked about the inspection records.

Cal/OSHA is advising employers affected by the wildfires that they must protect their workers if the working conditions include harmful exposure to wildfire smoke.






Cal/OSHA Issues Advisory on Respiratory Protection for Harmful Exposure to Wildfire Smoke

Oakland—Cal/OSHA is advising employers affected by the wildfires that they must protect their workers if the working conditions include harmful exposure to wildfire smoke.

When outdoor workers are exposed to air quality that is designated “Unhealthy”, “Very Unhealthy” or “Hazardous” by local air quality management districts, employers are required to provide filtering respirators such as masks labeled N95 and certified by the National Institute for Occupational Safety and Health (NIOSH). These masks filter at least 95 percent of airborne particles but do not protect against gases or vapors. Frequently asked questions about N95 masks for employers and workers are available online. 

The masks are available at the following County Emergency Operation Centers. Please refer to the Governor’s Office of Emergency Services Wildfires webpage for updates.
  • Santa Barbara County
    • Buellton
      • Buellton CVS (ask store staff), 2218 East Hwy 246 (8 am - 10 pm)
    • Carpinteria
      • Albertson’s, 1018 Casitas Pass Rd.
    • Goleta
      • Goleta Valley Community Center, 5679 Hollister Ave. (1pm – 7 pm)
      • Goleta City Hall, 130 Cremona Dr. (8 am – 5pm)
    • Lompoc
      • Lompoc Home Depot, 1701 East Ocean (7 am - 9 pm)
    • Santa Barbara
      • Franklin Community Center, 1136 East Montecito St.
      • Santa Barbara Public Library, 40 East Anapamu St.
(10 am - 7 pm)
  • Ventura County
    • Camarillo
      • City of Camarillo, 601 Carmen Dr.
      • Clinicas Camarillo, 731 Paseo Camarillo
      • Las Posas Family Medical Group, 3801 Las Posas Rd. #214 (M-F 8am-5pm)
    • Fillmore
      • Fillmore Fire Department Station 91, 711 Sespe Ave.
      • BH - Fillmore Youth & Family Clinic, 828 Ventura St. Suite 240
    • Moorpark
      • Arroyo Vista Recreation Center, 4550 Tierra Rejada Rd.
      • Moorpark Family Medical, 612 Spring Rd.
    • Ojai
      • Nordhoff High School, 1401 Maricopa Hwy.
(Look for the Red Cross vehicle)
      • Ojai City Hall, 401 South Ventura St.
      • Ojai Hospital, 1306 Maricopa Hwy
      • Ojai Library, 111 E. Ojai Ave.
      • Meiners Oaks Library, 114 N. Padre Juan Ave.
      • Oak View Library, 555 Mahoney Ave.
    • Oxnard
      • Oxnard College Gymnasium – Red Cross Shelter, 4000 S Rose Ave.
      • Las Islas Family Medical Group, 2400 S C St.
      • Ventura County Public Health-South, 2500 S C St.
      • Ventura County Public Health-North, 2240 E Gonzales Rd.
      • United Farm Workers, 920 South A St.
      • Vons, 1291 S. Victoria Ave.
      • Channel Islands Harbor Patrol,.3900 Pelican Way (8am-5pm)
      • BH - Oxnard Youth & Family Clinic, 1911 Williams Dr. #150
      • BH - South Oxnard Youth & Family Outpatient, 2500 S. 'C' St. Suite #D
      • Mandalay Bay Women and Children's Medical Group, 2000 Outlet Center Dr. Suite #110
      • Soliz Library (El Rio), 2820 Jourdan St.
      • Oxnard Library (Main), 251 S. 'A' St., (M-Th 9am-8pm, Sat. 9am-5:30pm)
      • Oxnard Branch Library (South), 4300 Saviers Rd., (M-Th 9am-8pm, Sat 9am-5:30pm)
      • Oxnard Colonia Branch Library, 1500 Camino Del Sol #26
(M-Th 12pm-6pm)
      • Oxnard Service Center, 214 South 'C' St. (M-Th 8am-6pm, Alt Fri 9am-5pm)
      • Oxnard Human Resources, 300 W. 3rd St. (M-Th 8am-6pm, Fri 8am-5pm)
      • Oxnard Fire Department Administration, 360 W. 2nd St. (M-Th 8am-6pm, Alt Fri 8am-5pm)
    • Santa Paula
      • Santa Paula Community Center, 530 W Main St.
      • Santa Paula Fire Department Station 82, 536 W Main St.
      • BH - Santa Paula Youth & Family Clinic, 725 E. Main St.
      • Santa Paula - West Clinic, 254 W. Harvard Blvd.
    • Simi Valley
      • Sierra Vista Family Medical Clinic, 1227 East Los Angeles Ave.
(M-F 9am-7pm, Sat & Sun 8am-5pm)
      • Simi Valley Police Department, 3901 Alamo St.
    • Thousand Oaks / Newbury Park
      • Conejo Valley Family Medical Group, 125 W. Thousand Oaks Blvd (M-Th 9am-12am, Fri 9am-10pm, Sat & Sun 9am-5pm)
      • Dos Vientos Community Center, 4801 Borchard Rd.
      • Borchard Community Center, 190 N. Reino Rd.
      • Goebel Senior Center, 1385 E. Janss Rd. (M-Th 8:30am-9pm, Fri 8:30am-5:30pm, Sat 12pm-4pm)
    • Ventura
      • Ventura County Fair – Red Cross Shelter, 10 W. Harbor Blvd
      • EP Foster Library, 651 E. Main St.
      • Beth Torah Temple, 7620 Foothill Rd.
      • Barranca Vista Center, 7050 Ralston St.
      • Museum of Ventura County, 100 E. Main St.
      • Hill Rd. Library, 1070 S. Hill Rd.
      • Saticoy Library, 1292 Los Angeles Ave.
      • San Jon Yard, 336 San Jon Rd.
      • City Hall, 501 Poli St. (entrance at back parking lot)
      • Academic Family Medicine Center, 3291 Loma Vista Rd., Building 340, Suite 201
      • West Ventura Medical Clinic, 133 W Santa Clara St.
      • Ventura County Health Care Agency, 5851 Thille St.
      • Ventura County Health Care Agency, 2323 Knoll Dr. # 414
      • Government Center - Hall of Administration, 800 S. Victoria Ave.
      • BH - Ventura Adult Outpatient, 4258 Telegraph Rd.
      • BH - Ventura Youth & Family Clinic, 5740 Ralston St.
      • CVS Pharmacy, 5900 Telegraph Rd.
      • Ventura ADP, 24 E. Main St.
      • Ventura DUI Programs - 5850 Thille St.
Additional information for employers and workers on working safely in conditions with heavy smoke caused by the wildfires, and worker safety and health during fire cleanup is available on Cal/OSHA’s wildfire safety webpages.

Cal/OSHA, officially known as the Department of Industrial Relations’ (DIR’s) Division of Occupational Safety and Health, helps protect workers from health and safety hazards on the job in almost every workplace in California. Cal/OSHA’s Consultation Services Branch provides free and voluntary assistance to employers to improve their safety and health programs.

2016 WAS VERY BLOODY FOR U.S. WORKERS: 5,190 people were killed on the job in 2016, the most since 2008. The rate of fatal injuries for full-time workers rose to 3.6 per 100,000, the highest since 2010.

Killed on the job: 2016 was deadliest in years for U.S. workers

Transportation incidents were the most common, making up 40% of all workplace deaths.


 Last year was the deadliest for U.S. workers in nearly a decade.

According to the U.S. Bureau of Labor Statistics, 5,190 people were killed on the job in 2016, the most since 2008. The rate of fatal injuries for full-time workers rose to 3.6 per 100,000, the highest since 2010.
Categories with significant increases included homicides, suicides and overdoses. Higher death rates spanned most age groups as well as many races and ethnic groups, with the exception of Hispanic or Latino people.

Here are some details from Tuesday’s report:
  • Suicides at work rose to a record 291, and the 500 homicides were the most since 2010. Drug and alcohol overdoses jumped to 217 cases, the fourth straight increase of at least 25%, amid the nation’s opioid epidemic.
  • Rate of deaths for workers 55 and older rose to record for age group.
  • Transportation incidents were the most common, making up 40% of all workplace deaths.
  • Loggers had the highest rate of fatal work injuries at 136 per 100,000 workers.
  • Deaths from falls, slips or trips increased 6% to 849; up more than 25% for roofers, carpenters and tree-trimmers, as well as truck drivers.
  • Deaths by fire and explosion were down 27% from 2015.

376 Californians died on the job in 2016. Nearly two of every five (39%) California workplace deaths in 2016 were Latinos.










Department of Industrial Relations Reports 2016 Fatal Occupational Injuries



Oakland— The Department of Industrial Relations (DIR) reports that 376 Californians died on the job in 2016, down slightly from the 388 deaths in 2015.



“Even one workplace fatality is too many, and our thoughts are with the families of those that died on the job last year,” said Christine Baker, DIR Director. “The fatality data released today is a reminder that we must all continue our efforts to reduce workplace safety and health hazards in order to prevent worker deaths.”


A review of the past twelve years indicates that workplace fatalities in California remain below the average rate of fatalities prior to 2008, when the last recession began, and remained flat over the past two years at 2.2 deaths per 100,000 workers. On the national level, the rate of fatalities jumped from 3.4 to 3.6 per 100,000 workers.

There were 376 fatal injuries on the job in California in 2016, compared to 388 in 2015, 344 in 2014, and 396 in 2013. Data comes from the Census of Fatal Occupational Injuries (CFOI), which is conducted annually in conjunction with the U.S. Bureau of Labor Statistics (BLS). Figures for 2016 are the latest numbers available.



Key findings from the latest census in California include: 


  • One in five (20%) of all California workplace deaths identified in 2016 were attributed to violence and other injuries by persons or animals. The incidence of workplace homicides in 2016 accounts for 12% of all workplace deaths in the state.
  • Nearly two of every five (38%) California workplace deaths identified in 2016 occurred in transportation incidents.
  • One in six (17%) of all California workplace deaths identified in 2016 were attributed to trips, slips and falls; with 90% of those deaths involving falls to a lower level.
  • Nearly two of every five (39%) California workplace deaths in 2016 were Latinos. This fatality rate has fluctuated over the past ten years from 37% to 49%.

The percentage of Latino deaths in the workplace continues to be an area the department is tracking closely. DIR over the past eight years has increased workplace safety outreach and education to Spanish-speaking workers, with a focus on high-hazard work.

Tables reflecting final data for 2016 (and prior years’ final data) for California are posted online, as well as a report reflecting four years’ of fatal occupational injuries in California.

DIR conducts the California Census annually in conjunction with the U.S. Bureau of Labor Statistics. CFOI produces comprehensive, accurate and timely counts of fatal work injuries. This Federal-State cooperative program was implemented in all 50 states and the District of Columbia in 1992.

DIR protects and improves the health, safety and economic well-being of over 18 million wage earners, and helps their employers comply with state labor laws. Its Division of Occupational Safety and Health, commonly known as Cal/OSHA, helps protect workers from health and safety hazards on the job in almost every workplace in California. Cal/OSHA does not have authority when injuries occur on public roadways where other state or federal agencies have jurisdiction, such as the California Highway Patrol.

Cal/OSHA’s Consultation Services Branch provides free and voluntary assistance to employers to improve their safety and health programs. Employers should call (800) 963-9424 for assistance from Cal/OSHA Consultation Services. Cal/OSHA has also published a wealth of helpful guides for employers and workers.

Employees with work-related questions or complaints may contact DIR’s Call Center in English or Spanish at 844-LABOR-DIR (844-522-6734). Complaints can also be filed confidentially with Cal/OSHA district offices.

Cammeby’s Management Co. v. Alliant Insurance Services, Inc.: Alliant Insurance Services Inc. to pay $26 million after a federal jury found it had unilaterally lowered a property manager's flood coverage and left the company with insufficient insurance for Hurricane Sandy losses, holding that the evidence supported the verdict.


The Second Circuit on Tuesday refused to disturb an order directing insurance broker Alliant Insurance Services Inc. to pay $26 million after a federal jury found it had unilaterally lowered a property manager's flood coverage and left the company with insufficient insurance for Hurricane Sandy losses, holding that the evidence supported the verdict.
 =====================
Jury returns multimillion dollar verdict against a subsidiary of Alliant Insurance Services, Inc. as a result of the broker's failure to notify the carrier of the insured's Hurricane Irene Loss
On February 7, 2017 Weg and Myers successfully obtained a jury verdict in New York Supreme Court Sullivan County in favor of its client, Swan Lake Resort, against Swan Lake's insurance broker, Defendant T&H Brokers, a subsidiary of Alliant Insurance Services. With the inclusion of pre-judgment interest, it is estimated that the verdict will exceed $3.7 million. The case centered upon allegations that the broker failed to report to Swan Lake's property carrier that Swan Lake had suffered a loss as a result of Hurricane Irene. The carrier had successfully denied the claim and extricated itself from liability as a result of its receiving untimely notice of the loss. The broker claimed that it never received any notice from Swan Lake about this loss until February 2012, at the time that the insured changed insurance brokers. The jury, after reviewing all of the evidence, including various phone records, as well as hearing the testimony of representatives from Swan Lake and T&H Brokers, rejected the insurance broker's defense and returned a verdict in favor of Swan Lake after deliberating for less than one hour. The case was tried by Dennis T. D'Antonio and assisted by Joshua L. Mallin and Amanda Peterson.
The Swan Lake verdict represents the fourth trial verdict obtained by Weg and Myers in favor of its clients over a 12 month period. The cumulative amount of these verdicts total $35.5 million.

===========================

17-88-cv
Cammeby’s Management Co. v. Alliant Insurance Services, Inc.
UNITED STATES COURT OF APPEALS FOR THE SECOND CIRCUIT

SUMMARY ORDER
Rulings by summary order do not have precedential effect. Citation to a summary order filed on or
after January 1, 2007, is permitted and is governed by Federal Rule of Appellate Procedure 32.1 and
this Court’s Local Rule 32.1.1. When citing a summary order in a document filed with this Court, a
party must cite either the Federal Appendix or an  electronic database (with the notation “summary
order”). A party citing a summary order must serve a copy of it on any party not represented by
counsel.

At a stated term of the United States Court of Appeals for the Second Circuit, held at the Thurgood
Marshall United States Courthouse, 40 Foley Square, in the City of New York, on the 19th day of
December, two thousand seventeen.


PRESENT:     JOSÉ A. CABRANES,
DEBRA ANN LIVINGSTON,
Circuit Judges,
RICHARD W. GOLDBERG,
Judge.*



CAMMEBY’S MANAGEMENT COMPANY, LLC,
1-10 BUSH TERMINAL OWNER LP, as Successor in Interest to 1-10 Industry City Associates, LLC,
19-20 BUSH TERMINAL OWNER LP, as Successor in Interest to 19-20 Industry Associates, LLC,

Plaintiffs-Appellees,                                             17-88-cv
v.
ALLIANT INSURANCE SERVICES, INC.,
Defendant-Appellant.†
* Judge Richard W. Goldberg, of the United States Court of International Trade, sitting by
designation.

† The Clerk of Court is directed to amend the caption as shown above.


FOR PLAINTIFFS-APPELLEES:                              DENNIS T. D’ANTONIO (Joshua L. Mallin,
on the brief), Weg & Myers, P.C., New York, NY.

FOR DEFENDANT-APPELLANT:                           RICHARD A. SIMPSON (Kimberly A.
Ashmore, Bonnie T. Wise, Wiley Rein LLP, Washington, DC, Paul Kovner, Rubin Fiorella & Friedman
LLP, New York, NY, on the brief), Wiley Rein LLP, Washington, DC.

Appeal from a judgment of the United States District Court for the Southern District of New York
(Jed S. Rakoff, Judge).

UPON DUE CONSIDERATION WHEREOF, IT IS HEREBY ORDERED,
ADJUDGED, AND DECREED that the June 20, 2016 judgment of the District Court be and hereby is AFFIRMED.


Defendant-appellant Alliant Insurance Services, Inc. (“Alliant”) appeals the June 20, 2016 judgment
of the District Court. This appeal follows two jury trials, both resulting in verdicts in favor of
plaintiffs-appellees Cammeby’s Management Company, LLC, 1-10 Bush Terminal Owner, LP (as successor  in interest to 1-10 Industry Associates, LLC), and 19-20 Bush Terminal Owner, LP (as successor in  interest to 19-20 Industry Associates, LLC) (jointly, “Cammeby’s”). On appeal, Alliant argues that  the District Court:


(1) abused its discretion by denying Alliant’s motion for judgment as a matter
of law; (2) abused its discretion by only allowing a partial retrial; (3) gave erroneous and
prejudicial jury instructions; and (4) made an erroneous ruling during summation. Upon review, we
conclude that these arguments are without merit, and affirm the District Court’s judgment. We
assume the parties’ familiarity with the underlying facts, the procedural history of the case, and
the issues on appeal.

BACKGROUND


This case pits plaintiffs-appellees Cammeby’s against their insurance broker, defendant- appellant
Alliant. Cammeby’s owns and manages a portfolio of properties in “Industry City,” in Brooklyn, New
York, that flooded in 2012 during Hurricane Sandy. That flood resulted in more  than $30 million in
damages. A jury determined that the insurance policy that Cammeby’s purchased to protect its
properties limited the amount of flood coverage (the “flood sublimit”) to $10 million—a finding not
appealed here. The jury also found that Alliant negligently reduced the flood sublimit from $30
million to $10 million, rendering Alliant liable for the difference. The instant appeal concerns
the latter finding of Alliant’s negligence.

The parties largely agree on what occurred. In spring 2011, Alliant acted as Cammeby’s insurance
broker to solicit quotes from various insurance companies and negotiate coverage for Cammeby’s property portfolio. After Alliant negotiated for various terms of coverage on  Cammeby’s
behalf, Cammeby’s authorized Alliant to request that Affiliated FM Insurance Company (“Affiliated
FM”) issue a policy to insure the Industry City properties. (Affiliated FM was a co-defendant in the District Court litigation, but is not a party to this appeal). Initially, the policy contained  a flood sublimit of $10 million and went into effect on June 30, 2011.

The following day, on July 1, 2011, Cammeby’s insurance consultant, Stephen Gerber, emailed Alliant  to inquire into increasing the flood sublimit to $30 million. The parties agree that Alliant
solicited a quote from Affiliated FM, Cammeby’s accepted it, and Affiliated FM issued a new policy
reflecting the $30 million sublimit. But with the increase in the flood sublimit went an   increase
in premiums, and some managers of the properties balked. So, on July 26, 2011, Cammeby’s Gerber
emailed Alliant about decreasing the flood sublimit back to $10 million.

Alliant responded to Gerber that the flood sublimit could be reduced, but the parties did not
memorialize in writing that the flood sublimit would be reduced. Cammeby’s argues that this is
because there was no agreement; no authorized person at Cammeby’s ever accepted the offer to reduce
the sublimit. Alliant, on the other hand, contends that Cammeby’s Vice President, Eli Schron,
verbally accepted the offer at a meeting with Alliant on July 27, 2011. And, in the alternative,
Alliant argues that Cammeby’s ratified the agreement when Cammeby’s received a premium reduction and a pro rata refund of $121,815 for premiums already paid.

The District Court held two trials. The first lasted eight days, and resulted in a verdict in favor
of Cammeby’s. As relevant here, the jury found that: (1) the flood sublimit had been reduced to $10
million; and (2) Alliant acted negligently when it reduced the flood sublimit.

Alliant then moved for a new trial, arguing that the verdict went against the weight of the
evidence, and that the District Court had given an erroneous instruction on the ratification
defense. The District Court rejected the first argument, but agreed that the jury instruction
“erroneously suggested that silence or acquiescence would be insufficient for ratification.” App’x
at 214.


Accordingly, it “grant[ed] Alliant’s motion for a new trial of Cammeby’s negligence claim and
Alliant’s ratification defense.” App’x at 216.

At the opening of the second trial, the District Court clarified that it would be holding a partial
retrial solely on the issue of ratification. After a seven-day trial, the jury once again returned
a verdict in Cammeby’s favor, finding that Cammeby’s did not ratify the flood sublimit reduction.

Following the second trial, Alliant moved for a judgment as a matter of law or, in the alternative,
a new trial. On December 27, 2016, the District Court denied the motions. It concluded that Alliant “still ha[d] not presented evidence that would justify overturning the jury’s assessment of witness credibility and consideration of the weight of the evidence.” App’x at 1606.

This appeal followed.

STANDARD OF REVIEW


This Court reviews de novo a district court’s denial of a Rule 50 motion for judgment as a matter
of law. Kinneary v. City of New York, 601 F.3d 151, 155 (2d Cir. 2010). We may only grant the
motion if “the evidence, viewed in the light most favorable to the opposing party, is insufficient
to permit a reasonable juror to find in [the opposing party’s] favor.” Galdieri-Ambrosini v. Nat’l
Realty & Dev. Corp., 136 F.3d 276, 289 (2d Cir. 1998). In so doing, we “‘must give deference to all
credibility determinations and reasonable inferences of the jury,’ and may not weigh the
credibility of witnesses or otherwise consider the weight of the evidence.” Caruolo v. John Crane,
Inc., 226 F.3d 46, 51 (2d Cir. 2000) (quoting Galdieri-Ambrosini, 136 F.3d at 289).

We review a district court’s denial of a Rule 59 motion for a new trial for abuse of discretion.
Bucalo v. Shelter Island Union Free Sch. Dist., 691 F.3d 119, 128 (2d Cir. 2012). “A district court
has abused its discretion if it has (1) based its ruling on an erroneous view of the law, (2) made
a clearly erroneous assessment of the evidence, or (3) rendered a decision that cannot be located
within the range of permissible decisions.” Chin v. Port Auth. of NY & NJ, 685 F.3d 135, 146 (2d
Cir. 2012) (internal quotation marks omitted).

Finally, a claim of error in jury instructions is reviewed de novo, and we will “revers[e] only
where, viewing the charge as a whole, there was a prejudicial error.” Terra Firma Investments (GP)
2 Ltd. v. Citigroup Inc., 716 F.3d 296, 299 (2d Cir. 2013) (internal quotation marks omitted).

DISCUSSION


I.         Alliant’s Motion for Judgment as a Matter of Law on Ratification Defense


Alliant first argues that the District Court erred in denying its Rule 50 motion for judgment as a
matter of law on the ratification defense because the documentary evidence proves that Cammeby’s
knew about and approved the reduction in the flood policy limit. We disagree. Viewing all evidence
in the light most favorable to Cammeby’s, we conclude that a reasonable juror could find that
Cammeby’s lacked either the knowledge or intent necessary to ratify the policy limit reduction. See
Galdieri-Ambrosini, 136 F.3d at 289.

Under New York law, “ratification requires full knowledge of the material facts relating to the
transaction, and the assent must be clearly established and may not be inferred from doubtful or
equivocal acts or language.” DiPizio Const. Co. v. Erie Canal Harbor Dev. Corp., 23 N.Y.S.3d 762,
764 (4th Dep’t 2015) (internal quotation marks omitted); see also In re Adelphia Recovery Tr., 634
F.3d 678, 691 (2d Cir. 2011) (“Ratification is the act of knowingly giving sanction or affirmance to an act which would otherwise be unauthorized and not binding.”). Acquiescence or silence, however, can indeed give rise to an inference of ratification. Suncoast Capital Corp. v. Glob. Intellicom, Inc.,
719 N.Y.S.2d 652, 653 (1st Dep’t 2001); see also In re Adelphia Recovery Tr., 634 F.3d at 691–92.

Alliant argues that a handful of emails sent in the days immediately following the policy reduction
on July 27, 2011 irrefutably establish that Cammeby’s vice president, Eli Schron, knew and approved
of the reduction. Alliant stakes its case, in particular, on two emails sent on August 5, 2011. In
the first, Schron stated that, “We have 10mm of flood coverage.” Appellant’s Br. at 23. In        
the second, Schron’s assistant informed Schron that she was told Cammeby’s had “$10MM flood
coverage, $500,000 deductible.” Id. at 27.

To be sure, both these emails tend to support Alliant’s argument that in August 2011 Cammeby’s knew and approved of the late-July 2011 flood sublimit reduction. But these emails were not the only
evidence presented to the jury. During the seven-day trial, the jury heard seven witnesses testify
and considered dozens of exhibits. These exhibits included an email that Alliant                 
sent to Cammeby’s after Hurricane Sandy informing Cammeby’s that the flood sublimit was $30
million. Cammeby’s also presented an endorsement amending the Affiliated FM policy, which indicated that the flood sublimit was $30 million. Based on these exhibits alone, a reasonable jury could conclude that Cammeby’s did not ratify the reduction because Cammeby’s thought the policy had a $30 million sublimit.

That conclusion was also corroborated by the testimony of Cammeby’s witnesses. For example,
Cammeby’s insurance consultant, Stephen Gerber, testified that he never approved the reduction and
he thought that the flood sublimit remained $30 million because the copy of the policy that Gerber
received in the mail on August 2, 2011 indicated that the flood sublimit was $30 million. Eli
Schron further testified that he believed Cammeby’s had $30 million in flood coverage. And Schron’s
assistant testified that Schron at times failed to read and respond to emails, which supports
Cammeby’s argument that Schron had not followed the email traffic concerning the possible
reduction.

Alliant asks us to disregard this testimony as self-serving and implausible. We decline to do so.
“Where there are conflicts in the testimony, we must defer to the jury’s resolution of the weight
of the evidence and the credibility of the witnesses.” United States v. Persico, 645 F.3d 85, 104
(2d Cir. 2011). Only in “exceptional circumstances,” such as where testimony is “patently
incredible or defies physical realities,” may we “intrude upon the jury function of credibility
assessment.” United States v. Bell, 584 F.3d 478, 485 (2d Cir. 2009) (internal quotation marks and
emphases omitted). Simply put, there is nothing incredible about the testimony of Cammeby’s
witnesses—testimony corroborated  by documentary evidence—that would justify displacing the jury’s credibility determinations.

Finally, Alliant argues that Cammeby’s ratified the policy reduction when it accepted the reduced
premiums. But ratification requires knowledge, and, as discussed, a reasonable jury could find that
Cammeby’s did not have the requisite knowledge of the reduction.

In sum, we affirm the District Court’s denial of Alliant’s motion for judgment as a matter of law
on its ratification defense.

II.       The District Court’s Decision to Limit the Retrial to Ratification


Alliant next challenges the District Court’s decision to limit retrial to the issue of
ratification.


According to Alliant, the factual questions involved in the negligence and ratification issues are
so interwoven that the partial retrial could not be had without injustice. We find this argument to
be unpersuasive.

Where a jury has reached a verdict on one issue of fact, the Seventh Amendment “does not compel a
new trial of that issue even though another and separable issue must be tried again.” Gasoline
Prod. Co. v. Champlin Ref. Co., 283 U.S. 494, 499 (1931); see also Crane v. Consol. Rail Corp., 731
F.2d 1042, 1050 (2d Cir. 1984) (“[E]rror with respect to one issue will ordinarily not constitute
reason to retry an issue that was separately determined.”). That said, “a partial new trial ‘may
not properly be resorted to unless it clearly appears that the issue to be retried is so distinct
and separable from the others that a trial of it alone may be had without injustice.’” Bohack Corp.
v. Iowa Beef Processors, Inc., 715 F.2d 703, 709 (2d Cir. 1983) (quoting Gasoline Products Co., 283
U.S. at 500).

In our view, the negligence and ratification issues are clearly separable. Ratification is a
party’s affirmance of an earlier act that did not bind it at the time. See, e.g., Rocky Point
Properties, Inc. v. Sear-Brown Grp., Inc., 744 N.Y.S.2d 269, 271 (4th Dep’t 2002) (“Ratification is
the express or implied adoption of the acts of another by one for whom the other assumes to be
acting, but without authority and it relates back and supplies original authority to execute an
agreement.” (internal quotation marks and alterations omitted) (emphasis added)). The question of
whether Cammeby’s ratified the policy reduction would therefore only arise if Alliant had reduced
the policy limit earlier. Duly authorized actions are not “ratified” after the fact.

The jury instructions at both trials embodied this distinction. At the first trial, Instruction No.
10 addressed Alliant’s negligence; Instruction No. 11, Cammeby’s ratification. App’x at 167–68. Not
only were the instructions sequential, they made clear that the defense of ratification is
predicated on Alliant’s previously acting without Cammeby’s authorization. Id. at 167 (“If you find
that the Plaintiffs have proved [that Alliant was negligent,] . . . you must find Alliant liable
for negligence, unless you find Alliant has proved, as a defense, that Cammeby’s ‘ratified’
Alliant’s mistakes. We therefore turn to that defense of ratification.” (latter emphasis added)).
The District Court’s jury instructions at the second trial reiterated this principle. Id. at 1581
(“[A]s a result of . . . negligence on Alliant’s part, the policy coverage was reduced to $10
million. . . . But Alliant claims that Cammeby’s thereafter ‘ratified’ the reduction, that is, Cammeby’s either expressly or  implicitly approved the reduction.” (emphasis added)).

Accordingly, we conclude that the negligence and ratification issues could be tried separately and
without injustice, and the District Court did not abuse its discretion in granting a partial
retrial.

III.     The Jury Instruction at the Second Trial and the Summation Ruling


Finally, Alliant asserts that the District Court improperly instructed the second jury that
Alliant’s negligence caused Cammeby’s damages, and also allowed Cammeby’s to argue at summation that Alliant’s negligence was the proximate cause of Cammeby’s damages. These arguments rest on the assumption that the first jury did not necessarily find that Alliant’s negligence caused Cammeby’s damages. That assumption is wrong. At the first trial, the District Court expressly instructed the jury that it could only find Alliant liable if Cammeby’s proved “(a) that Alliant was negligent . . . , and (b) that, as a result, the coverage limit was wrongly reduced from $30 million to
$10 million . . . .” App’x at 167 (emphasis added). We therefore conclude that these arguments are
meritless.

CONCLUSION

We have reviewed all of the arguments raised by Alliant on appeal and find them to be without
merit. For the foregoing reasons, we AFFIRM the June 20, 2016 judgment of the District Court.


FOR THE COURT:
Catherine O’Hagan Wolfe, Clerk