MEMORANDUM OPINION AND ORDER
COBB, District Judge.
William R. Mitchell owned a home in Port Arthur, Texas, upon which he obtained a policy of fire insurance covering the building and contents. Shortly after he paid a renewal premium on the policy, and during his absence, a fire started in the home, which damaged the structure and the contents. The Port Arthur fire department responded promptly, and extinguished the blaze prior to destruction of the building...
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