FERGUSON, Circuit Judge:
After sustaining earthquake damage to their home, George and Michelle Jacobellis ("Appellants" or "Jacobellises") filed suit against their residential property insurer, State Farm Fire and Casualty Company ("State Farm"), for negligent and intentional misrepresentation, bad faith, negligent and intentional infliction of emotional distress, and violation of Cal. Ins.Code §§ 10081 et seq. (West 1989) ("the Earthquake Insurance Act...
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