The plaintiff's home was destroyed by fire.
The insurer paid the policy limits for the building and an advance for the contents.
The plaintiff sued the insurer in negligence, claiming the property was underinsured and seeking additional damages for both the building and contents.
The court dismissed the negligence claim, finding the insurer owed no duty of care regarding the replacement cost calculation, as the plaintiff relied solely on his broker.
The court also found the plaintiff was not entitled to replacement cost value for the building because he chose not to rebuild.
However, the court granted relief from forfeiture regarding the plaintiff's failure to submit a sworn proof of loss for the contents claim, finding the insurer had waived the requirement.
The court assessed the actual cash value of the contents and awarded the plaintiff an additional $51,000.