where such deduction would thwart the insured’s expectation to be made whole.” The court concluded that “[w]here qualifying language is absent and an insured is promised ‘actual cash value,’ the insured is entitled to the cost to repair or replace the damaged property.” Id. In Glens Falls Ins. Co. v. Gulf Breeze Cottages, 38 So. 2d 828, 830 (Fla. 1949), the Florida Supreme Court affirmed a chancellor’s refusal to permit a depreciation deduction from the cost of repairing storm damage to insured structures, reasoning that “[i]f depreciation were allowed, it would cast upon the owner an added expense which we do not believe was contemplated by the parties when they entered into the insurance contract.” See, also, McIntosh et al. v. Hartford Fire Ins. Co., 106 Mont. 434, 78 P.2d 82 (1938) (<HOLDING>). Most of the cases addressing this issue focus
holding plaintiff entitled to depreciation after repairs in determining the vehicles value at the time of the theft allowance must be made for depreciation then accrued holding insurer was not obligated to repair the damaged automobile to both its preaccident condition and market value concluding that permitting coverage of diminished value would render meaningless the insurers clear policy right to repair rather than pay actual cash value holding that depreciation could not be deducted from cost to repair building to its condition prior to fire under actual cash value policy holding that if the insurer cannot return the vehicle to substantially the same condition then the actual cash value is the appropriate measure where insured sued for damages caused by insurers inappropriate election to repair and the value after repairs was almost sixty percent less than its preloss value holding that damage to building and personal property as a result of fire negligently caused by defendant was to be measured by reasonable cash market value of the property at the time it was destroyed by the fire or if it was not totally destroyed by the diminution in its fair market value before and after the fire