Columbia Edgewater Country Club v. Industrial Indemnity Co.

Plaintiff’s clubhouse was destroyed by fire in December, 1979. In a non-jury trial on its claim for breach of a fire insurance contract, judgment was rendered for plaintiff, including attorney fees. It appeals the trial court’s calculation of the damage award; defendant, the insurer, cross-appeals.

At the time of the loss plaintiffs several buildings were insured under a blanket policy with a liability limit of $1,543,332.1 If a loss occurred, defendant was to pay the lesser of:

“(a) the amount of this policy applicable to the damaged or destroyed property;

“(b) the replacement cost of the…