SARTAIN, Judge.
These consolidated cases involve the extent of liability of Republic Insurance Company under a $20,000.00 fire insurance policy which it issued to Blackwater Estates, Inc., as owner and named insured, and in which American Public Life Insurance Company was named as mortgagee in the loss payable clause. At the time of the loss, Blackwater Estates was the record owner and American Public Life held the mortgage of Blackwater Estates on the subject property...
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