In the latest version of a scenario that produced dueling decisions across the country on insurance coverage for property loss, a hail storm damaged the cladding on the south and west sides of buildings in a Naperville townhouse community, and the condominium association — contending the original aluminum siding is no longer available — demanded that its insurer pay for new, matching replacements on all four sides of the partially damaged structures.The policy Windridge of Naperville Condominium Association …