MEMORANDUM DECISION and ORDER I. INTRODUCTION AND BACKGROUND On November 22, 2019, plaintiff Philadelphia Indemnity Insurance Corporation (“PIIC” or “plaintiff”) brought a single-count complaint against defendant Kathleen Burke Barker (“Barker” or “defendant”), alleging simple negligence under New York common law. Dkt. 1. Although one could imagine a set of circumstances in which an insurance company would bring a negligence claim in its own right against a single person, this case takes the more traditional route of subrogation. One of PIIC’s clients, Baldwin Real Estate Corporation (“Baldwin”), owns a plot of land at 5398 Hemlock Drive, Lowville, New York. Dkt. 27-13, Defendant’s Statement of Material Facts (“DSMF”), 1.1 Through plaintiff, Baldwin insured a two-story, four-unit apartment building (the “building”). Id. 2. Baldwin’s policy with plaintiff included fire insurance. Dkt. 1 (“Compl.”), 2.2 Baldwin’s investment in fire insurance would turn out to be prudent, because on April 6, 2019, the building burst into flames. DSMF 3. As is often the case, plaintiff’s coverage allowed it to assume Baldwin’s rights against the person responsible for causing the fire, and it has acted as Baldwin’s subrogee ever since. Id. 4. Enter Barker. As PIIC would have it, defendant is to blame for the conflagration because she carelessly disposed of a cigarette. Compl. 9. Plaintiff alleges that that carelessness provides the negligence to support its claims in this district. Id. 14. Predictably, defendant disagrees and moved for summary judgment in her favor under Federal Rule of Civil Procedure (“Rule”) 56 on December 29, 2020. Dkt. 27. Less predictably, however, the how and why of the fire has no bearing on Barker’s motion for summary judgment. Instead, the parties are sparring over whether PIIC has sufficiently proven the damages it suffered as a result. As evidence of damages, PIIC largely relies on the report of Christopher Vaughn (“Vaughn”), a general adjuster. See generally Dkt. 28-1. According to plaintiff, Vaughn’s report details the amount that plaintiff paid to restore the building. Dkt. 28, Plaintiff’s Statement of Material Facts (“PSMF”),3 10. That amount ultimately totaled $720,375.71, broken down into three subcategories. Dkt. 28-1, p. 509.4 Building and “incurred” damages apparently cost $656,037.72, satisfying code requirements cost another $23,088.35, and Vaughn’s report listed Baldwin’s lost rent during the reconstruction as $41,249.64. Id. As support, Vaughn’s report included invoices from both contractors: one responsible for the reconstruction and one responsible for the upgrades to the building necessary to bring it up to code. Id. pp. 456, 475. Those invoices reflect the same costs that Vaughn’s report claims. Id. at 456, 475, 509. But Barker comes away from Vaughn’s report with a decidedly different impression. According to defendant, Vaughn’s report reflected nothing more than a “negotiated, agreed-upon settlement of the fire loss claim.” DSMF 10. Defendant cites to several passages throughout Vaughn’s report and testimony that she argues demonstrate that the number PIIC came up with only reflected a settlement, and nothing more. Dkt. 28-1, pp. 4, 137, 182, 380, 382; Dkt. 28-2 (“Vaughn Dep. 1″), pp. 14, 48, 63; Dkt. 282-3 (“Vaughn Dep. 2″), pp. 18-19, 26. However, that dispute was not the only quirk to emerge from discovery in this case, many of them stemming from discovery’s timing. In the absence of other guidance, Rule 26(a)(3) provides the timeline for the parties’ pretrial discovery disclosures. FED. R. CIV. P. 26(a)(3). In this case, though, those deadlines were governed by a scheduling order put in place by United States Magistrate Judge Daniel J. Stewart on February 13, 2020, which expressly superseded Rule 26(a)(3)’s usual timelines. Dkt. 13, 1. One of the areas the scheduling order controlled was the timing of expert witness disclosure. To that end, Magistrate Judge Stewart ordered PIIC to disclose its experts no later than ninety days before the discovery deadline. Dkt. 13, 6(A)(i). Magistrate Judge Stewart then gave Barker forty-five days to provide her expert reports. Id. 6(A)(ii). Both parties could then present all reports of rebuttal experts no later than thirty days before the discovery deadline. Id. 6(A)(iii). The final discovery deadline was November 16, 2020. Dkt. 23. The parties agree that PIIC has only disclosed one expert in this case. Plaintiff disclosed Daniel E. Vieau (“Vieau”), an expert investigator, on July 20, 2020. Dkt. 27-8, pp. 2, 83. According to Barker, Vieau’s report was primarily focused on determining the cause of the fire, rather than the damages the fire caused. See DSMF 15. Vieau ultimately opined that defendant had improperly disposed of a lit cigarette in a plastic pot on the back patio, and the fire was a direct result. Dkt. 27-8, pp. 17-19. For her part, Barker disclosed her own expert in fire investigation, Dr. Jamie McAllister (“McAllister”), on September 29, 2020. Dkt. 27-10, p. 1. McAllister’s opinion primarily undermined Vieau’s contention that a carelessly discarded cigarette caused the fire. Id. at 19-20. McAllister also claimed that there was not enough information available to determine the actual cause. Id. In answer, PIIC submitted a rebuttal report by Vieau on October 19, 2020. Dkt. 27-12, p. 1. As “rebuttal” report suggests, Vieau’s report disagrees with McAllister’s conclusions and explains why he continues to believe that his original opinions as to the source of the fire are best supported by the evidence. Id. at 4-6. One of Vieau’s supporting arguments was that some studies showed that cigarettes could ignite peat and potting soil in a planter while causing minimal smoke. Id. at 4. On December 30, 2020 — the day after Barker moved for summary judgment — defendant submitted a supplemental report augmenting McAllister’s initial report. Dkt. 28-4 (“McAllister Suppl.”), p. 2. McAllister’s supplemental report was apparently intended to “address opinions arising from [her] review of additional materials received since” her initial one. Id. at 5. Substantively, though, McAllister’s supplemental report summarized her opinions in five points. The first point disputed that there was potting soil, peat moss, or leaves in the planter when Barker extinguished her cigarette. McAllister Suppl. 18. The remaining four points specifically criticize Vieau’s opinions. Id. On January 27, 2021, PIIC opposed Barker’s motion for summary judgment and cross-moved to strike McAllister’s supplemental report as untimely under Rule 37(c)(1). Dkt. 28. This decision now follows. II. LEGAL STANDARD FOR SUMMARY JUDGMENT Summary judgment under Rule 56 is warranted if the entirety of the parties’ submissions show “that there is no genuine dispute as to any material fact and the movant is entitled to judgment as a matter of law.” Johnson v. Killian, 680 F.3d 234, 236 (2d Cir. 2012) (citing FED. R. CIV. P. 56(a)). A fact is “material” if it “might affect the outcome of the suit under the governing law.” Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248 (1986). And a dispute of a material fact is “genuine” if “the evidence is such that a reasonable jury could return a verdict for the nonmoving party.” Id. The movant bears the burden of pointing the court to the materials that it believes demonstrate the absence of a genuine issue of material fact. Celotex Corp. v. Catrett, 477 U.S. 317, 323 (1986). Additionally, a court considering a summary judgment motion “must resolve any ambiguities and draw all inferences from the facts in a light most favorable to the nonmoving party.” Ward v. Stewart, 286 F. Supp. 3d 321, 327 (N.D.N.Y. 2017) (citing Jeffreys v. City of New York, 426 F.3d 549, 553 (2d Cir. 2005)). Even so, a non-movant’s conclusory allegations without support from record evidence are insufficient: the non-movant must “put up or shut up.” Weinstock v. Columbia Univ., 224 F.3d 33, 41 (2d Cir. 2000). At bottom, summary judgment tasks the Court with assessing the assembled evidence and determining whether a reasonable factfinder could find in the nonmovant’s favor. Treglia v. Town of Manlius, 313 F.3d 713, 719 (2d Cir. 2002). III. DISCUSSION There are two motions at play. Barker has moved for summary judgment against PIIC’s complaint. Plaintiff has fired back with a cross-motion to exclude McAllister’s supplemental report and to preclude her from testifying as to its substance. Because there is no point in ruling on the propriety of McAllister’s supplemental report if plaintiff’s claim cannot survive, the Court will address defendant’s motion for summary judgment first, and only turn to plaintiff’s cross-motion if its claims survive defendant’s dispositive motion. A. Defendant’s Motion for Summary Judgment Barker’s summary judgment motion claims that PIIC has failed to provide any admissible evidence as to the damages the fire caused to the building. As relevant to this case, under New York law “the proper measure of damages for permanent injury to real property is the lesser of the decline in market value and the cost of restoration.” Scribner v. Summers, 138 F.3d 471, 472 (2d Cir. 1998). Once the plaintiff has proven one of those, it is on the defendant to prove “that a lesser amount will sufficiently compensate for the loss.” Id. (cleaned up). A landlord can also recover for “reduction of the rental or usable value of the property” during the time it took to rebuild a structure on a piece of property. Id. The Court used New York state law for the substance of what PIIC needs to prove, because it is beyond dispute that the damages of a state law cause of action are controlled by state law. Cf. Shady Grove Orthopedic Assocs., P.A. v. Allstate Inc. Co., 559 U.S. 393, 447 (2010) (Ginsburg, J., dissenting) (“[T]he remedy for an infraction of state law…is the legitimate concern of the State’s lawmakers and not of the federal rulemakers.”). However, whether a witness must be an expert in order to testify on a particular point is within the province of the Federal Rules of Evidence, and those rules govern.5 Shady Grove, 559 U.S. at 398 (noting that if federal rule answers question in dispute “it governs — New York’s law notwithstanding — unless it exceeds statutory authorization or Congress’s rulemaking power”). Accordingly, the parties do not dispute that Federal Rule of Evidence (“Evidence Rule”) 702 dictates when testimony must come from an expert as opposed to a lay witness. Evidence Rule 702 allows for a witness to provide opinion testimony if the following four conditions are met: (1) the expert’s scientific, technical, or other specialized knowledge will help the factfinder understand the evidence or determine a fact; (2) the testimony is based on sufficient facts or data; (3) the testimony is the product of reliable principles and methods; and (4) the expert’s application of the principles and methods to the facts of the case is itself reliable. Barker argues that PIIC has never provided her with an expert witness relating to the damages it suffered as a result of the fire. Defendant claims that this is fatal to plaintiff’s case, because courts often require experts on the issue of damages. In support, defendant cites a broad range of cases which she styles as showing plaintiffs’ claims falling apart in the absence of expert damages calculations. In broad strokes, her collected cases are either so contextually inapt as to be less than helpful or else do not actually impose a requirement of expert testimony for damages. See, e.g., Design Strategy, Inc. v. Davis, 469 F.3d 284, 298-99 (2d Cir. 2006) (affirming district court’s preclusion of expert witness because plaintiff failed to produce evidence of damages to support lost profits, making lack of experts moot); but see In re Virtus Inv. Partners, Inc. Sec. Litig., 2018 WL 6333657, at *2 (S.D.N.Y. Dec. 4, 2018) (noting that because of inherent difficulties in securities class actions, expert testimony often required for damages). However, one of Barker’s cited authorities does stand out as meaningfully similar to this case (at least at first blush): New York Central Mutual Insurance Company v. TopBuild Home Services, Inc. 2019 WL 1791844 (E.D.N.Y. Apr. 24, 2019). In that case, much like this one, an insurance company brought a claim as a subrogee of owners of a building damaged by fire. Id. at *1. Both parties submitted expert testimony as to the diminution of value the property suffered as a consequence. Id. at *1-2. But facial similarities aside, there are two reasons that Barker’s reliance on TopBuild is misguided. 2019 WL 1791844. First, that case never required that its plaintiff provide expert testimony on pain of dismissal. See generally, id. Second, even if plaintiff had been required to provide expert testimony on damages in that case, its plaintiff was operating on an entirely different theory of recovery. Id. at *1-2 (noting that experts were prepared to testify as to diminution of value of real property). It would be one thing for Barker to argue that PIIC would need expert testimony to establish the value of the building before and after the fire. She could reasonably contend that this measure of damages would not be subject to “simple mathematical calculation” and that an expert would be needed to justify any damages estimate plaintiff could come up with. See U.S. Licensing Assocs., Inc. v. Rob Nelson Co., 2012 WL 1447165, at *5 n.8 (S.D.N.Y. Apr. 26, 2012) (noting that plaintiff must provide damages calculation where damages “are not the product of a simple mathematical calculation and require expert testimony”). In this context, though, Barker’s argument that PIIC needs an expert to sustain its claimed damages must be rejected. Presenting evidence of the actual cost to rebuild the building would require no “scientific, technical, or other specialized knowledge,” so as to even permit an expert to testify under Evidence Rule 702, let alone require one. FED. R. EVID. 702(a) (requiring specialized knowledge to provide expert opinions). Plaintiff need only show what it actually paid to rebuild the building to recover, Scribner, 138 F.3d at 472, and that burden can be satisfied simply by plaintiff supplying the invoices it accrued paying contractors. It would be profound overkill to suggest that a factfinder needs expert help to parse those documents and award damages based on the costs that they reflect. Perhaps Barker realizes this, because she has one more argument up her sleeve. As defendant would have it, the documents Vaughn submitted in his report reflected only an agreed settlement that PIIC, as an insurance company, paid to its insured, and not the actual cost to restore the building. Why does that matter? Because PIIC’s stake in this case is as a subrogee, and thus plaintiff can only recover what Baldwin, the building’s owner, could have recovered if it had not been insured and had sued defendant to recover from her. See In re Sept. 11 Litig., 802 F.3d 314, 351 (2d Cir. 2015) (Straub, J., concurring) (noting that under New York law subrogation “entitles an insurer to ‘stand in the shoes’ of its insured to seek indemnification from third parties whose wrongdoing has caused a loss for which the insurer is bound to reimburse” (citing N. Star Reinsurance Corp. v. Cont’l Ins. Co., 624 N.E.2d 647, 654 (N.Y. 1993)); TopBuild, 2019 WL 1791844, at *4-5 (noting that insurance company as subrogee for claim of fire damage to real property could not recover more than owner of property could have). In other words, if PIIC has only submitted evidence of a negotiated settlement rather than evidence of actual costs to rebuild, then it has not provided evidence of damages that Baldwin could have recovered if it was bringing this claim in its own right. Thus, plaintiff would have failed to prove the essential element of damages. Unfortunately for Barker, her showing is not enough to merit summary judgment in her favor. After all, PIIC disputes that Vaughn’s report reflects a negotiated settlement with Baldwin as opposed to actual costs paid to contractors. PSMF 10. At best,6 defendant has created a dispute of material fact as to what Vaughn’s report shows. But her burden on summary judgment is much heavier than that. See Celotex, 477 U.S. at 323 (noting that movant’s burden on summary judgment is to prove lack of genuine dispute of material fact). Defendant must prove that there is no genuine dispute as to what the costs in Vaughn’s report reflect, and she has failed to do so. Her motion for summary judgment must therefore be denied. B. Plaintiff’s Cross Motion to Strike an Expert Report Now that PIIC’s claim will remain viable, the Court can turn to plaintiff’s cross-motion to exclude McAllister’s supplemental report. Under Rule 26(a)(2)(D), a party is bound to make disclosures according to the Court’s timeline. Rule 26(e)(1)(A) requires a party to “supplement or correct its disclosure or response…in a timely manner if the party learns that in some material respect the disclosure or response is incomplete or incorrect,” so long as that information was not known to other parties through discovery. The rules are a little different for expert disclosures, however. An expert’s supplemental report “must be disclosed by the time the party’s pretrial disclosures under Rule 26(a)(3) are due.” FED. R. CIV. P. 26(e)(2). Remember, though, that Magistrate Judge Stewart’s scheduling order superseded Rule 26(a)(3)’s deadlines and required all rebuttal experts by thirty days before the close of discovery, which was ultimately set for November 16, 2020. Dkts. 13,
