William Hatcher v. MDOW Insurance Company

MELLOY, Circuit Judge.

William Hatcher appeals following an adverse jury verdict on his claim seeking additional insurance benefits for smoke and fire damage at his home. He argues the district court misinterpreted his insurance policy as an actual-cash-value policy rather than a replacement-cost policy. In addition, he raises an evidentiary issue, arguing the district court improperly prevented him from testifying as to the pre-fire, depreciated value of the damaged portions of his home. We conclude his policy was an actual-cash-value policy. We also conclude Mr. Hatcher is not entitled to…