The insured’s claim that the insurer breached its duty to advise on coverage offered by the policy failed. Piatt Lake Bible Conference Ass’n v. Church Mutual Ins. Co., 2026 U.S. App. LEXIS 1095 (6th Cir. Jan. 13, 2026).

Piatt Lake Bible Conference Association held a blanket insurance policy with Church Mutual insuring several buildings up to $3.5 million with a $100,000 sub-limit for code-compliance costs. One of the insured buildings was the “Miracle Building” which was built in 1973 as a two-story multi-purpose log building. Due to its age, the Miracle Building lacked many new features required for modern code compliance.