McMURRAY, Presiding Judge.
Pamela M. Haire and James E. Haire (plaintiffs) initiated this action on a homeowners' insurance policy issued by defendant Cotton States Mutual Insurance Company ("Cotton States"), alleging that they were the "owners of the [residential] property insured [; that on] December 2, 1990, while said policy was in force and effect, said property was totally destroyed by fire[;... and that while] Defendant paid [$26,888.39] to mortgages of said...
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