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MINICH v. ALLSTATE INS. CO.

No. D056359.

193 Cal.App.4th 477 (2011)

KELLY MINICH et al., Plaintiffs and Appellants, v. ALLSTATE INSURANCE COMPANY, Defendant and Respondent.

Court of Appeals of California, Fourth District, Division One.

March 11, 2011.

Attorney(s) appearing for the Case

Winters & Associates, Jack B. Winters ; Nicholas & Butler, Craig M. Nicholas and Matthew Bartley Butler for Plaintiffs and Appellants.

Luce, Forward, Hamilton & Scripps, R. Randal Crispen , Peter H. Klee and Marc J. Feldman for Defendant and Respondent.

OPINION

AARON, J. —

I.

INTRODUCTION

Allstate Insurance Company (Allstate) issued Kelly and Debbie Minich (the Minichs) a homeowners insurance policy (Policy) that provided that Allstate would pay the Minichs the "actual cash value" of their house, in an amount not to exceed the "limit of liability shown on the Policy Declarations," if the house were damaged or destroyed.1 The "Building...

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