OPINION OF THE COURT
SMITH, Circuit Judge.
The Willow Inn received the final payment on its property damage claim over two years after the building was damaged by a tornado. Having encountered sustained resistance to its insurance claim rather than cooperation in settling it, Willow Inn, Inc. sued its real and personal property insurance carrier, Public Service Mutual Insurance Company ("PSM"), asserting, inter alia, a $2,000 breach of contract claim...
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