Kastendieck v. Millers Mutual Insurance

ELLIS, Judge.

On January 28, 1993, Alan Kastendieck’s residence and all personal property contained therein were destroyed by fire.1 At the time, a valid homeowner’s insurance policy issued by Millers Mutual Insurance Company of Alton, Illinois (“Millers”) was in effect. The policy’s declarations page reflected policy limits of $89,500 on the dwelling and $44,750 on the contents. The policy also contained replacement cost endorsements (HO-290 and HO-291), pursuant to which Millers agreed upon stated conditions to replace or repair the house and its contents.

On February 1, 1993, Kastendieck met…