MEMORANDUM OPINION
JEFFREY J. HELMICK, District Judge.
I. INTRODUCTION
Michael and Roxanne Boyer lived at 24774 State Route 51 West, Millbury, Ohio. After purchasing the property in 1994, the Boyers secured fire and insurance coverage. On April 5, 2011, a fire severely damaged the Boyers' property. At the time of the fire, they...
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