A Minnesota court determined that a condominium association is entitled to matching coverage for the roofs of buildings damaged in a hailstorm as well as roofs that were already mismatched before the loss occurred. The case is Meadows of Bloomfield Ass'n v. State Farm Fire & Cas. Co., 2022 Minn. Dist. LEXIS 10855 (Minn. Dist. Ct. 2022).
What Happened
Meadows of Bloomfield (Meadows) managed a group of 37 townhomes. One autumn, a hailstorm blew through and caused at least some damage to each of those buildings. At the time of loss, Meadows had an active State Farm policy that included wind and hail as covered perils. The policy stated that, in the event of a dispute over the amount of a loss, either Meadows or State Farm could demand appraisal.
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