MEMORANDUM OF DECISION AND ORDER ON CROSS MOTIONS FOR SUMMARY JUDGMENT
DEIN, United States Magistrate Judge.
I. INTRODUCTION
This case involves a dispute as to whether the defendants, Pacific Indemnity Company ("Pacific"), Federal Insurance Company ("Federal") and Chubb & Son, Inc. ("Chubb"), are obligated to make payments to the plaintiffs, Joseph and Jennifer Yerardi (the "Yerardis"), pursuant to the terms of a homeowners insurance...
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