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2d Cir 5th Cir actual cash value Add after carryover Add after last Add after text Aetna Cas agreement Allstate American amount of loss applied arbitration Ass'n automobile insurer award builder's risk insurance building business interruption cargo carryover paragraph Cited claim clause Code Ann coinsurance collision contract Corp cost of repair deductible depreciation determining endorsement entitled to recover excess expenses Farm Bur Farm Fire Fire & Cas fire loss fire policy full paragraph Hartford held insurable interest Insurance Company insured property insured's insurer's liability issued Liberty Mut marine insurance market value measure of damages mortgagee N.J. Super Nationwide Mut obligation owner paid parties payment plaintiff policy covering policy insuring policy limits policy provided proof of loss property insurance recovery repair or replace replacement cost Rptr salvage sentence settlement Stat subrogation Supp Travelers Indem trial court truck Underwriters valued policy statute vehicle vessel