GRIFFIS, P.J., FOR THE COURT:
¶ 1. Paul and Sylvia Minor's home was destroyed by Hurricane Katrina on August 29, 2005. The Minors had a homeowner's insurance policy with United Services Automobile Association (USAA). The policy provided coverage limits for: house — $1,028,000, boathouse and shed — $102,800; guest cottage —...
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