Dupree v. Auto-Owners Insurance Co

After her home and much of its contents were damaged by fire, plaintiff sought coverage under the terms of a homeowners insurance policy issued by defendant. Although the parties were able to settle plaintiffs claim for damages to her dwelling, they were unable to agree on the extent of the loss incurred to plaintiffs personal property. Consequently, the parties invoked the policy’s fire loss appraisal provision, which provided in relevant part as follows:

If you and we [defendant] fail to agree on the actual cash value or amount of loss covered by this policy, either party may make written…