Ware v. Metropolitan Property & Casualty Insurance Co.

ORDER

CLAYD. LAND, UNITED STATES DISTRICT COURT JUDGE

Plaintiffs Gregory and Sharon Ware purchased a homeowners insurance policy from Metropolitan Group Property and Casualty Insurance Company (“MetLife”). When a fire damaged their home, they made a claim under that policy for the damages. Under their policy, the Wares were entitled to an amount equal to the “actual cash value” of the cost to repair the fire damage. “Actual cash value” is defined in the policy as “the amount which it would cost to repair or replace covered property with material of like kind and quality, less allowance for…