( September 15, 2026, 1:15 PM EDT) -- INDIANAPOLIS — An Indiana appeals panel partly affirmed and partly reversed a lower court’s grant of summary judgment in favor of a homeowners insurer in a coverage dispute arising from tornado damage, holding that the insurer failed to satisfy its burden of establishing that its reading of the Dwelling Replacement Cost (DRC) Endorsement is correct as a matter of law or that no question remains as to whether the $16,777.40 actual cash value payment was due and payable under the DRC Endorsement independent of the insureds’ completion of repair or replacement....