OPINION OF THE COURT
TEITELBAUM, Chief Judge.
I
This is an appeal from a judgment entered for Evans Products Co. and Home Builders Mortgage Corp. (Evans) and against West American Insurance Co. (West) in an action on an insurance contract. For the reasons set forth below, we vacate and remand for further proceedings.
II
Steven and Patricia Brooks had obtained a homeowners' insurance policy from West with a loss-payable clause...
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