LOTTINGER, Chief Judge.
Plaintiffs, Cora and John Roy (Roys), filed suit to recover the full extent of coverage under an insurance policy purchased from defendant, Audubon Insurance Company (Audubon). The insurance policy provided maximum coverage of $50,000.
On August 14, 1990, a fire destroyed the residence insured by Audubon. The policy in effect on August 14, 1990 was originally issued in June of 1988, and was subsequently renewed in June of 1989 and June...
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