We have an insured with a dwelling policy (DP 00 01 12 02) with a coverage A limit of $15,000 and a deductible of $500. The house recently suffered a total loss from a fire. The adjuster has set the amount of the loss at $43,000.

The insurer is offering to pay $14,500 (the policy limit less the deductible). We believe that they owe the entire $15,000.

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