HILL, Circuit Judge:
USF & G insured a block of three buildings owned by appellee, Algernon Blair Corp, Inc. ("Algernon") for $5,000,000. The buildings were located next to each other on a single block in Nashville, Tennessee. On October 12, 1985, the property was substantially damaged by a fire. Algernon Blair notified its insurance carrier, U.S. Fidelity and Guaranty ("USF & G"), of the loss. Two days later, on October 14, an on-site meeting took place between...
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