Reversed and remanded by published opinion. Judge King wrote the opinion, in which Judge Widener joined. Judge Seymour, wrote an opinion concurring in part and dissenting in part.
OPINION
KING, Circuit Judge:
This appeal arises from a civil suit initiated by the Government in November 1999 in the District of Maryland, on behalf of the Federal Emergency Management Agency ("FEMA"), against Bankers Insurance Company. In its Complaint, the Government...
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