HOLSTEIN, Judge.
Plaintiff Doug Graue brought this action following the total destruction of a dwelling house by fire in Hayti, Missouri. He alleged he had insured the house for $5,000 under a policy issued by defendant Missouri Property Insurance Placement Facility (hereinafter "Facility"). Following a trial to the court on a stipulated record that included exhibits, deposition testimony and a "chronology of events," judgment was entered for Graue.
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