Dale Kopff v. Economy Radiator Service and

This is a breach of contract action. It is based upon an insurance policy covering two buildings owned by plaintiff, Dale
Kopff: a masonry/brick, four family apartment building at 212 Vest Avenue and a single level, masonry, commercial building
at 26 Meramec Station Road. 1 In August, 1986, the building at 26 Meramec Station Road burned down. Defendant, Northern Insurance Company of New York,
the insurer of the building, paid plaintiff $35,000.00, the policy limits according to defendant. In one count of a three
count petition, plaintiff alleged that it was owed $57,837.70 rather than $35,000.00 and that defendant had breached its insurance
contract. Defendant counterclaimed, seeking reformation of the contract to change the policy coverage limits on 26 Meramec
Station Road to $35,000.00 rather than the $63,800.00 which appeared in the contract and to change the coverage limits on
212 Vest Avenue, another of plaintiff's commercial buildings covered by the policy, to $63,800.00 rather than the $35,000.00
which appeared in the contract.