Mr. Desai owned property and told his Farmers insurance agent he wanted 100% coverage for the cost of repairing or replacing improvements to the property, including any increases for inflation.  The agent offered him a Farmers policy and told him the policy provided 100% coverage for costs of repairs or replacement of the property including increases in costs of repair or rebuilding.  Earthquakes and fire damaged Mr. Desai’s property and the repair costs were $546,000.  The policy had a $150,000 limit for loss or damage to structures.  Farmers would only agree to pay $150,000 of the loss.  Is there coverage for the rest of the loss?