EARL W. SMITH, Justice.
American General Fire & Casualty Company, d/b/a American General Companies [American General], issued its fire and extended coverage insurance policy with builder's risk Form 21 endorsement to George M. Buford, covering a building located in Maxwell, Caldwell County, Texas. Fire destroyed the building, and Buford unsuccessfully attempted to collect $75,000 under the policy. He then brought suit.
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