MEMORANDUM AND ORDER
GILBERT, District Judge.
This matter comes before the Court on cross-motions for partial summary judgment (Does. 63, 65). The defendant, Hanover Fire and Casualty Insurance Company (Hanover), has responded to plaintiffs' motion (Doc. 68), and plaintiffs have replied to the response (Doc. 69). Plaintiffs did not file a separate response to Hanover's motion. Hanover claims, however, that they responded in their reply to its response...
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