HENDERSON, Justice.
Merle and Karen Henry (hereinafter "Henrys") appeal a judgment which provided that their insurance company was not obligated to pay expenses incurred in removing debris after their house burned down. We reverse and remand.
FACTS
This case was presented to the trial court on stipulated facts. Henrys owned a home in Renner, South Dakota and had it insured with American Concept Insurance Company (hereinafter "American Concept") for...
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