(ruling that Plaintiffs’ damages are limited to actual cash value (ACV) unless repairs are completed, citing Universal Prop. & Cas. Ins. v. Qureshi and Ceballo v. Citizens Prop. Ins.. The Court found Qureshi more persuasive than Tio, which held that an insurer’s liability for replacement cost does not arise until repairs are completed.)
https://ecf.flmd.uscourts.gov/cgi-bin/show_public_doc?2024-00874-88-2-cv