Illinois Appellate Court
Civil Court
Insurance
Court properly dismissed homeowners' amended complaint against their insurer for failure to provide police that covered cost of replacing house and contents, after explosion completely destroyed home. Insurance policy's one-year limitation period bars counts for breach of contract and bad faith; complaint fails to state cause of action for negligent misrepresentation; and negligence count was untimely as homeowners were given a copy of policy and should have known, more than three years prior to filing complaint, that policy liability limits were inadequate for replacement cost of house and contents. (STEELE and MURPHY, concurring.)