Nicolaou v. Vermont Mutual Insurance

The plaintiff, George Nicolaou, appeals an order of the Superior Court (Conboy, J.) granting a motion in limine of the defendant, Vermont Mutual Insurance Company (Vermont Mutual), which barred him from recovering the full replacement cost of his fire-damaged home and garage because he never undertook to repair or replace them. We affirm.

I

The record supports the following. While covered by a homeowners policy issued by Vermont Mutual, Nicolaou’s home suffered extensive fire damage. Under “Coverage A,” Nicolaou’s policy has a stated liability limit of $223,000 for the dwelling. The policy also…