PONDER, Justice.
On consideration we have arrived at the conclusion that the trial judge has completely stated the case and disposed of the issues raised herein in the written reasons for judgment handed down by him. Therefore, we have adopted his written reasons as the opinion of this Court, which are as follows:
"This is a suit by the plaintiffs against the Houston Fire and Casualty Insurance Company for $3,000.00, together with a 25% penalty and a $1,000...
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