On November 19, 1989, plaintiffs' home suffered extensive damage from a fire. At that time, plaintiffs' home was insured for $152,000 pursuant to a homeowners extra insurance policy (hereinafter the policy) issued by defendant. Thereafter, plaintiffs retained King Brothers Builders to prepare a reconstruction cost estimate. Because of the wide discrepancy between this cost estimate and one submitted by defendant's appraiser, the parties began...
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