OPINION
SENTER, Chief Judge.
These causes come before the court on the joint motion of the parties for judgment on stipulated facts. The sole issue remaining in each of these causes is the liability of United States Fidelity and Guaranty Insurance Company (hereinafter U.S.F. & G.) to Natalie Buyer and the estates of Janie Lynn Gurley Buyer and Heather Marie Humphreys. For the reasons set forth below, the court finds that U.S.F. & G. is liable to...
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