WRIGHT, Presiding Judge.
Plaintiffs Haley were the insureds of a homeowner's insurance policy issued by Auto-Owners Insurance Company. First Federal Savings and Loan Association was the Haleys' mortgagee and the loss-payee under a standard New York mortgage clause contained in the policy.
The Haleys' home was damaged as the result of blasting operations. They brought suit for $7,500 against Auto-Owners. They alleged in the complaint that they had requested...
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