I am representing an insured who filed a claim in 2010 and was compensated for replacement of the front slope and repair on the back slope. She filed again in 2013, for a roofing claim, but did not replace the front slope, she just did a repair on the front slope. I am representing her as an insurance appraiser and heard from another appraiser that technically the carrier owes the ACV of the roof regardless of whether she replaced it or not because she paid her premiums. I was also informed although technically correct, it’s a hard argument to make and win, I just wanted to see if anyone else had some input. Thanks for your time in advance.