Generation Changers Church v. Church Mutual Ins. Co.
Excerpt
**Generation Changers Church v. Church Mutual Ins. Co.**
Court: Court of Appeals for the Sixth Circuit
Filed: 2026-02-23T00:00:00-08:00
URL: https://www.courtlistener.com/opinion/10797840/generation-changers-church-v-church-mutual-ins-co/
Generation Changers Church v. Church Mut. Ins. Co. Page 3 The insurance policy entitled GCC to the “ actual cash value ” (ACV) of its losses. Under the policy, Church Mutual calculates the ACV as the repair or replacement value of the property minus depreciation . The policy is silent on whether the ACV calculation subtracts depreciation for non-material costs—like labor—as it does for material costs. In this context, labor costs refer to non-materials such…
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