MEMORANDUM AND ORDER
HOVLAND, Chief Judge.
I. BACKGROUND OF THE CASE
The plaintiffs, Daniel Bullinger and David Bullinger [hereinafter referred to as the Bullingers], and defendant Brad Trebas, are residents of Bottineau County, North Dakota. Defendant Rain and Hail, L.L.C. [hereinafter referred to as Rain & Hail], is an insurance company licensed to do business in North Dakota.
On or before March 15, 1999, the Bullingers completed...
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