JOHNSON, Presiding Judge.
On May 14, 2002, David and Ann Kennedy's house in Gainesville was damaged by fire. The Kennedys reported the loss to Travelers Indemnity Company of Illinois, which had issued a policy insuring the house. Travelers requested that a construction company, John Thurmond and Associates, provide an estimate for the cost of repairs to the dwelling. John Thurmond prepared a detailed report, estimating the total cost of repairs to be $311,156. The...
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