WELLFORD, Senior Circuit Judge.
This dispute involves a claim by plaintiff, Shirley J. Thomas ("Thomas"), against her insurance carrier, Allstate Insurance Company ("Allstate"), for damages caused by two fires that destroyed her home in Vermilion, Ohio, a town of 11,000 population. Both of the fires, each of strongly suspected incendiary origin, occurred six days apart in January of 1990. Allstate conducted an investigation and learned that it was likely that the...
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