Graffeo, J.
Plaintiff owned a commercial building in the City of Binghamton, Broome County, and had procured insurance coverage through defendant, an insurance agency, and underwritten by American Insurance Company. The policy of insurance provided "guaranteed replacement cost" which reimbursed plaintiff for losses to the building based on replacement cost without regard to the limit of liability. The insurer, however, was "not required to pay for any loss under this...
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