MEMORANDUM AND ORDER
AUDREY G. FLEISSIG, District Judge.
This matter is before the Court on Defendant Cornerstone Insurance Company's motion for summary judgment. Defendant, a Write-Your-Own ("WYO") Program carrier, participating in the United States Government's National Flood Insurance Program ("NFIP") which is administered by Federal Emergency Management Agency ("FEMA") pursuant to the National Flood Insurance Act,
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