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Our client suffered a substantial hail loss to its farm buildings, and its insurer offered to pay only a fraction of the replacement cost to repair the damage.  We guided our client through the appraisal process required by the insurance policy, but the insurer still refused to pay, claiming that the policy did not contain replacement cost coverage.  We commenced litigation and undertook discovery into the insurer’s adjustment practices.  The insurer settled by paying the full replacement cost, plus reimbursing our client for its attorney’s fees, employee time, interest, and appraisal costs.