ANDREWS, Presiding Judge.
Janice L. Dollar's residence sustained water damage during widespread flooding which occurred in the Albany area in July 1994. Dollar had maintained a flood insurance policy on the residence since 1973 as a condition of the existing first mortgage on the residence with Albany First Federal Savings & Loan, but she allowed the flood insurance to lapse in 1993 prior to the flood. In a suit against NationsBank of Georgia, N.A. for the uninsured...
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