Rose, J.
In February 1990, defendant's newly constructed house sustained water damage due to a burst pipe and then it was further damaged by fire apparently resulting from the use of propane heaters to heat and dry the premises. Defendant received insurance proceeds for both losses from his insurer, United States Fidelity and Guarantee Company (hereinafter USF&G). In February 1993, defendant's house was destroyed by explosions and fire that occurred while propane...
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