MEMORANDUM OPINION AND ORDER
KAPLAN, United States Magistrate Judge.
Plaintiff Sarjit Ghoman and Defendants New Hampshire Insurance Company ("NHIC") and AIG Claims Services, Inc. ("AIG") have filed cross-motions for summary judgment. For the reasons stated herein, plaintiff's motion is granted and defendant's motion is denied.
I.
Plaintiff owns and operates a Howard Johnson Hotel in Arlington, Texas.
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