After Hurricane Sandy, I found some shingles missing off my
roof. My contractor said the entire roof should be replaced. My
insurer would only pay for replacing the missing shingles. The type
of shingle was readily available. But what happens if the damage to
the roof, siding, facade, floor occurs to only parts of those
surfaces and there is no replacement for the damaged coverings?
Does the insurance company have to match and replace the entire
roof or siding on the building? That was the question recently
addressed by the Seventh Circuit Court of Appeals.
In Windridge of Naperville Condominium
Association v. Philadelphia Indemnity Insurance Co., No.
18-2103 (7th Cir. Aug. 7, 2019), a hailstorm damaged the aluminium
siding on two sides of the buildings. The insurance company was
willing to replace the siding on the two damaged sides. The
policyholder argued that replacement siding was needed on the
undamaged sides of the buildings as well because the siding on
