BEASLEY, Judge.
Arbitration.
In July of 1980, the Hoffmans contracted with Nunnally to construct a house. The contract required that the Hoffmans purchase and maintain property insurance on the construction site to the full insurable value, to include the interests of Nunnally as well as the Hoffmans and any subcontractors and subsubcontractors.
In October, the Hoffmans applied to cotton States for an insurance policy and forwarded a premium check...
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