OPINION
SUE WALKER, Justice.
I. INTRODUCTION
Trinity Universal Insurance Company ("Trinity") denied a claim by its insureds, Daniel and Betty Norstrud ("Norstruds"), for damage to the Norstruds' home when its foundation moved. The Norstruds sued Trinity for breach of contract, breach of the duty of good faith and fair dealing, and violations of the Deceptive Trade Practices Act and insurance code...
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