D & S Realty, Inc. v. Markel Ins. Co.
Annotate this CaseThis was an appeal after a retrial on remand in a breach of contract claim by Insured against Insurer. At issue on appeal was the optional replacement cost coverage that Insured contracted. The question was whether Insurer's general denial of liability excused Insured from complying with a policy condition requiring that Insured actually repair or replace the damaged property before replacement costs would be paid. The Supreme Court remanded the cause for a new trial on the limited issue of the extent to which Insurer's conduct prevented Insured from complying with the repair / replace condition to replacement cost coverage under the policy. Also to be tried on remand was the amount of the actual cash value of the loss in the event Insured was not excused from the condition precedent to replacement cost coverage.
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