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  5. 332 S.E.2d 127 (1985)
 

BELL v. INLAND MUT. INS. CO.

Nos. 16252, 16257.

332 S.E.2d 127 (1985)

Luther F. BELL v. INLAND MUTUAL INSURANCE COMPANY, a corporation. CAMDEN FIRE ASSOCIATION v. Lonnie JUSTICE.

Supreme Court of Appeals of West Virginia.

Rehearing Denied June 11, 1985.

Attorney(s) appearing for the Case

Hudgins, Coulling, Brewster, Morhous & Cameron, Donald T. Caruth, Bluefield, for Inland Mut. Ins. Co.

Steptoe & Johnson, James R. Watson, Charleston, Steptoe & Johnson, Christopher P. Bastien, Clarksburg, for Camden Fire Assn.

Ballard & Brumfield, C. David Brumfield, Welch, for Luther F. Bell and Lonnie Justice.

McHUGH, Justice:

These actions, No. 16252 and No. 16257, involving the appellants, Inland Mutual Insurance Company (hereinafter "Inland Mutual") and Camden Fire Association (hereinafter "Camden Fire"), respectively, contain similar issues and have been consolidated for the purpose of resolution of those issues.

I

A. INLAND MUTUAL

The action involving Inland Mutual is before this Court upon appeal from an order entered June 19, 1983, by...

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