OPINION
FORSBERG, Judge.
This is an appeal from summary judgment determining that Mark and Patricia Winberg (Winbergs) were entitled to insurance proceeds for damage to their home. At the time the damage occurred, First Federal Savings and Loan Association of Grand Rapids (Federal) held a mortgage. Federal also claimed the insurance proceeds. We reverse.
FACTS
The facts are not disputed. On December 4, 1981, Winbergs mortgaged their home...
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