Windridge of Naperville Condominium Ass’n. v. Philadelphia Indemnity Ins. Co.

Federal 7th Circuit Court
Civil Court
Insurance
Citation
Case Number: 
No. 18-2103
Decision Date: 
August 7, 2019
Federal District: 
N.D. Ill., E. Div.
Holding: 
Affirmed

Dist. Ct. did not err in granting plaintiff-insured’s motion for summary judgment in action alleging that defendant-insurance company was required to cover cost to replace aluminum siding on all sides of buildings owned in insured, even though hail and wind storm damage occurred only on buildings’ south and west sides. Record showed that replacement siding that would match existing siding was no longer available, and under language of relevant policy defendant was required to pay to return buildings to pre-storm status with matching siding on all sides. Ct. noted that result might be different if buildings had only incurred minimum damage to aluminum siding, such that defendant would only be required to replace damaged siding and pay plaintiff for any loss in value to buildings arising out of mismatched siding.