Porter v. Shelter Mutual Insurance Co.

RONALD R. HOLLIGER, Judge.

Four “Policyholders” 1 appeal from a judgment on the pleadings in favor of Shelter Mutual Insurance Company (“Shelter”) on their action for declaratory judgment seeking a determination that Shelter is not entitled to withhold payment of the full cost of repair or replacement of partial property damage until repairs had been made or the property replaced. Stated another way, Policyholders contend that under their policies Shelter was not entitled to deduct depreciation in calculating their loss payments under their “replacement coverage policy.”

Each of the…