ON MOTION FOR REHEARING
PEDEN, Justice.
We withdraw the opinion we filed on November 6, 1975, in this case and substitute this opinion for it.
The plaintiff, Waymon Taylor, appeals from the entry of a judgment notwithstanding the verdict. Colonial Savings, his mortgagee, had obtained a fire insurance policy on the mortgaged property at Taylor's expense, as authorized by the deed of trust, and Taylor sued Colonial, alleging that it negligently failed...
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