BEASLEY, Judge.
Clifton and Ronald Ray were the owners of an unoccupied wood frame building destroyed by fire on May 15, 1983. The previous February 10, Ronald Ray had contacted Kenneth Smiley, an agent for Georgia Farm Bureau Mutual Insurance Company from whom Ray had obtained all of his insurance and who was authorized to bind the company, about insuring trailers for a mobile home park. Ray also told the agent he wanted him to go look at the frame building because...
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