DUDLEY, Justice.
Frenchie and Hazel Riley's home was destroyed by fire on June 9, 1992. The Silvey Companies had issued a homeowners' policy to Frenchie Riley that covered loss by fire in the amounts of $45,000.00 for the dwelling and $22,500.00 for the contents and personal property. On July 8, 1992, Silvey paid $500.00 on the contents. The Rileys employed counsel, and there were various discussions with Silvey's attorney. On October 13, 1992, the claim had not been...
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