Justice GREEN delivered the opinion of the court:
On November 16, 1987, plaintiff John Schoonover purchased a homeowner's insurance policy from defendant American Family Insurance Company to insure a house he had purchased in Jacksonville, Illinois. The insured building was destroyed by fire on November 20, 1987. Plaintiff filed a claim for his loss on March 10, 1988, and defendant denied the claim on May 9, 1988.
On April 4, 1989, plaintiff filed a complaint...
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