GUNTER, Justice.
Mr. and Mrs. Williams, residents of DeKalb County, Georgia, were owners of a dwelling house in Chatham County, Georgia, that was damaged by fire. Metropolitan Life Insurance Company was the holder of a first lien security deed on the damaged property. Travelers Insurance Company was the fire-loss carrier, and its insurance contract provided that loss under its coverage was payable to the owners and Metropolitan, the first lienholder.
The damage...
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