Retained by plaintiff’s counsel in a Texas commercial property dispute involving alleged underinsurance, including whether multiple commercial buildings were properly insured to value (ITV) and whether the carrier or agent represented that policy limits satisfied replacement-cost requirements. The analysis addressed Statements of Value, setting replacement cost property limits under 90% coinsurance penalties, automatic valuation adjustments, including whether the insurer guaranteed adequacy of policy limits. Attorney Michael Upshaw, Zelle LLP (214)749-4258, 11X17 Office Solutions, LLC v. United Fire Lloyds, Cause No. 2025-080267 In the United States District Court 369th Judicial District of Cherokee County, Texas.