In 1989, defendant issued a policy of landlord's property insurance to plaintiffs for premises located at 8 Avondale Terrace in the City of Albany. The policy provided $110,000 in coverage on the residence, $11,000 on related private structures, $11,000 for living expenses and loss of rents and further stipulated that if a loss occurred and the parties were unable to agree upon the cost to repair or upon the actual cash value of the loss,...
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