FITZGERALD, J.
The roof over the living room of defendant Robin Kwaiser's mobile home collapsed because of heavy rain. An engineer hired by defendant's homeowner's insurer, plaintiff Auto-Owners Insurance Company, discovered that the structure of the entire roof was rotted because of long-term trapped moisture and that any repair involved replacement of the entire roof. Auto-Owners could not agree on a settlement of the claim, and asked for an appraisal as provided...
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