BANKE, Presiding Judge.
The appellant owns certain rental property which was damaged by fire. The property was insured against such damage by the appellee insurance company. The appellant retained Zeno Moore Construction Company to repair the damage, executing, on February 3, 1986, an authorization printed on that company's letterhead stating: "I . . . authorize the insurance company to pay Zeno Moore Construction Company direct. If for any reason the check for payment...
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