LEVIN H. CAMPBELL, Chief Judge.
This appeal involves an insurance claim based upon the sinking on March 25, 1984, in daylight hours and calm waters, of a 72-foot wooden Rhode Island fishing vessel "PATRIOT." The plaintiff-appellee, Pace, was the boat's owner and the defendant-appellant, Insurance Company of North America ("INA"), the issuer of a commercial hull policy in effect when the loss occurred.
The sinking resulted from an incursion of water which PATRIOT...
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