LEIBSON, Justice.
On November 5, 1983, Millie's Drapery Shop in Covington, Kentucky, was partially destroyed by a fire. Millie Raines, the owner, insured her drapery business in a policy with Pennsylvania National Mutual Casualty Insurance Company ("Pennsylvania National"). She retained her longtime attorney, Gary Edmondson of Edmondson, Condit & Calvert ("Edmondson") to handle her insurance claim.
As usual, the policy listed "Conditions Applicable To...
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