OPINION
GRANT, Justice.
This appeal arises from a suit by Paul Kimbel Luker (Kim) and his wife, Teri Lynn Luker (Teri) to recover for loss of household goods in a fire under a homeowner's policy. The policy was issued to Emmett Luker, Kim's father, by the St. Paul Guardian Insurance Company, which paid the structural damage claim but denied the claim for loss of the Lukers' household goods. Kim and Teri Luker also brought a bad faith action against St. Paul...
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