PER CURIAM:
Hurricane Katrina wreaked havoc on the New Orleans area, destroying homes and businesses. One such casualty was a large vacation house located on the southeastern shore of Lake Pontchartrain. This appeal considers whether the insurer of the property must cover that damage.
I. FACTUAL AND PROCEDURAL BACKGROUND
Plaintiffs-Appellees-Cross-Appellants Xavier Grilletta ("Grilletta") and Randy
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