The cause of loss is covered, a tree crushed one side of the home requiring extensive demolition and rebuilding.

The insured has Guaranteed Replacement Cost Coverage as the coverage basis. It is listed on the dec page and he continues to qualify for this which the insurer does not dispute. They acknowledge this is the coverage basis that governs his loss.

The issue surrounds cosmetic matching. If you do not purchase, or fail to maintain qualification for Guaranteed Replacement Cost, you become insured at Replacement Cost Without Deduction for Depreciation. You will find the actual provisions starting on page 11 and continuing on page 12.  The Replacement Cost Without Deduction For Depreciation is the only place you will see language excluding cosmetic matching. The language is not found in the Guaranteed Replacement Cost Coverage or anywhere else in the policy.