ELLIS, Chief Justice.
In this appeal, the insurer-appellant challenges the trial court's judgment in favor of the insured-appellee on the grounds that (1) the appellee's loss of the particular personal property was excluded from coverage under the policy provisions; or (2) in the event of liability, recovery should be reduced in accordance with the pro rata reduction provisions of the policy because of appellee's failure to include this property in its total value...
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