MEMORANDUM AND ORDER
ROSENTHAL, District Judge.
1. Factual Background
On December 17, 1989, a fire destroyed Ernest Rominger's ("Rominger's") house in Houston. Rominger submitted an insurance claim to Standard Fire Insurance Company ("Standard Fire"), seeking recovery for the structural damage and loss of contents. Standard Fire sent a representative, Joe Fenley ("Fenley") to investigate. Fenley conducted two inspections and concluded that the...
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