COLLOTON, Circuit Judge.
Joseph and Carolyn Friedberg sought coverage from their insurer, Chubb & Son, Inc. ("Chubb"), for damage sustained to their home. After Chubb denied their claim, the Friedbergs sued for declaratory relief. The district court
I.
The Friedbergs' house was built in 1989, and the exterior of the home was coated...
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