Saathoff v. Country Mutual Insurance Company

              Filed 2/21/08 NO. 4-07-0488
IN THE APPELLATE COURT
OF ILLINOIS
FOURTH DISTRICT
JACOB SAATHOFF,
Plaintiff-Appellant,
v.
COUNTRY MUTUAL INSURANCE COMPANY and
COUNTRY CASUALTY INSURANCE COMPANY,
Defendants-Appellees.
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Appeal from
Circuit Court of
Piatt County
No. 06L6
Honorable
Chris E. Freese,
Judge Presiding.
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JUSTICE MYERSCOUGH delivered the opinion of the court:
Plaintiff, Jacob Saathoff, filed a complaint against
defendants, Country Mutual Insurance Company (Country Mutual) and
Country Casualty Insurance Company (Country Casualty) seeking to
recover money he claimed was owed him under an insurance policy.
Defendants filed respective motions to dismiss that were granted
by the trial court. Saathoff appeals. We affirm.
I. BACKGROUND
Saathoff owned a multiunit residential apartment
building at 198 Commercial Street in White Heath, Illinois.
Saathoff purchased a policy of insurance, policy No. AM1921670,
issued by Country Mutual.
On January 4, 2005, while the policy was in effect, the
property was substantially destroyed by fire. Saathoff submitted
his claim for loss; and after investigating the claim, Country
Mutual issued a $128,576.01 check to Saathoff for settlement of
the claim. Saathoff refused Country Mutual's check because he
thought the loss was substantially greater than the amount