Unanimously modified, on the law, without costs or disbursements, to grant the cross motion and, except, as thus modified, affirmed.
Nothing in this record would justify an award of punitive damages. Defendant promptly investigated the loss, which was considered suspicious by the fire department. It hired experts to determine actual cash value on the basis of which it offered $37,500 against a policy limit of $50,000 on the building and $13,000 for loss of rental...
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