An Alabama father and daughter warned their home insurer that they feared the other might deliberately set fire to their jointly owned property. Despite both warnings, USAA General Indemnity Company issued a policy covering the house for $500,000. The property in Centre, Alabama, burned down a few weeks later, leading to a dispute over whether the insurer was required to pay the claim. The case eventually reached the US Court of Appeals for the Eleventh Circuit, which ruled on the insurance policy and the company's decision to deny coverage.
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