{"id":894166,"date":"2018-05-10T10:24:31","date_gmt":"2018-05-10T16:24:31","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=894166"},"modified":"2018-05-10T10:24:31","modified_gmt":"2018-05-10T16:24:31","slug":"matching-dispute-appropriate-appraisal-update","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/matching-dispute-appropriate-appraisal-update\/","title":{"rendered":"Is a \u201cMatching\u201d Dispute Appropriate for Appraisal? \u2013 Update"},"content":{"rendered":"<p>Edward Eshoo | <a href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/2018\/05\/articles\/insurance\/is-a-matching-dispute-appropriate-for-appraisal-update\/\" target=\"_blank\" rel=\"noopener\">Property Insurance Coverage Law Blog<\/a> | May 3, 2018<\/p>\n<p>Last year in\u00a0one of my blogposts, I wrote about\u00a0<em>Windridge of Naperville Condominium Association v. Philadelphia Indemnity Insurance Company<\/em>, and the issue whether appraisal is appropriate to resolve a dispute over the cost of repairing physically undamaged siding of townhome buildings to remedy a mismatch with repaired damaged siding. There, a federal district court in Illinois denied the Association\u2019s motion to compel appraisal on the \u201cmatching\u201d issue, reasoning it was a question of coverage, not loss amount, and inappropriate for appraisal.<sup>1<\/sup><\/p>\n<p>This coverage issue was recently resolved for the Association, the district court concluding that Philadelphia must replace or pay to replace the siding on all four of the townhome buildings\u2019 elevations if no siding is available that matches the undamaged siding on the north and east elevations, as claimed by the Association.<sup>2<\/sup><\/p>\n<p>In reaching its conclusion, the district court rejected Philadelphia\u2019s argument that because only the south and west elevations suffered \u201cdirect physical loss,\u201d it need only replace the siding on those elevations. The district court reasoned that the policy\u2019s coverage grant \u2013 direct physical loss to covered property \u2013 referred to the building as a whole, as opposed to one or fewer than all elevations.<sup>3<\/sup><\/p>\n<p>Even if that were not the only sensible reading of the policy, the district court stated the most that could be said in Philadelphia\u2019s favor is that the policy is ambiguous. This meant that the Association\u2019s reading of the policy would prevail, for Illinois law holds that courts must construe ambiguous provisions in favor of coverage.<sup>4<\/sup>\u00a0But, because the parties disagreed whether matches were available for undamaged siding, the district court found that disagreement to be a dispute regarding loss amount, and thus a question proper for appraisal.<sup>5<\/sup><\/p>\n<p>As far as federal district courts in Illinois are concerned, disputes as to causation, the scope of repair or replacement, the cost of repair or replacement, matching, and whether the damage is extensive enough to require employing a general contractor are disputes as the \u201camount of loss,\u201d and therefore appropriate for appraisal.<sup>6<\/sup><br \/>\n__________________________<br \/>\n<sup>1<\/sup>\u00a0<em>Windridge of Naperville Condo. Ass\u2019n v. Philadelphia Indem. Ins. Co.<\/em>, No. 16-3860, 2017 WL 372308 (N.D. Ill. Jan 26, 2017).<br \/>\n<sup>2<\/sup>\u00a0<em>Windridge of Naperville Condo. Ass\u2019n v. Philadelphia Indem. Ins. Co.<\/em>, No. 16-3860, 2018 WL 1784140 (N.D. Ill. April 13, 2018).<br \/>\n<sup>3<\/sup>\u00a0<em>Id.<\/em>, at *3.<br \/>\n<sup>4<\/sup>\u00a0<em>Id.<\/em>, at *4.<br \/>\n<sup>5<\/sup>\u00a0<em>Id.<\/em>, at *5.<br \/>\n<sup>6<\/sup>\u00a0<em>See also<\/em>\u00a0<em>Spring Point Condo. Ass\u2019n v. QBE Ins. Corp<\/em>., No. 17-2065, 2017 WL 8209085 (N.D. Ill. Dec 13, 2017);\u00a0<em>Runaway Bay Condo. Ass\u2019n v. Philadelphia Indem. Ins. Cos.<\/em>, 2017 WL 1478114 (N.D. Ill. April 25, 2017).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Edward Eshoo | Property Insurance Coverage Law Blog | May 3, 2018 Last year in\u00a0one of my blogposts, I wrote about\u00a0Windridge of Naperville Condominium Association v. Philadelphia Indemnity Insurance Company, and the issue whether appraisal is appropriate to resolve a dispute over the cost of repairing physically undamaged siding of townhome buildings to remedy a&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/matching-dispute-appropriate-appraisal-update\/\">Continue reading <span class=\"screen-reader-text\">Is a \u201cMatching\u201d Dispute Appropriate for Appraisal? \u2013 Update<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[10235],"tags":[9895,218,8574],"class_list":["post-894166","post","type-post","status-publish","format-standard","hentry","category-insurance-appraisal","tag-advise-consult","tag-appraisal","tag-matching","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Is a \u201cMatching\u201d Dispute Appropriate for Appraisal? 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