In Re State Farm Fire & Casualty Co.

LOKEN, Circuit Judge.

A hailstorm struck Amanda LaBrier’s home in St. Louis, Missouri, damaging the home’s exterior roof, siding, and gutters. LaBrier filed a property damage claim with State Farm Fire and Casualty Company under the Coverage A—Dwelling section of her State Farm Homeowners Policy. The policy provides “Replacement Cost” property loss coverage, that is, “the cost to repair or replace ... the damaged part of [covered] property.” However, the policy’s Loss Settlement provisions state that, “until actual repair or replacement is completed, we will pay only the actual cash value at…