Turner v. Dansby & Evans Insurance Co.

YATES, Judge.

Floyd L. Turner and Mildred L. Turner sued Dansby & Evans Insurance Company, Inc. (“Dansby & Evans”), Auto Owners Insurance Company (“Auto Owners”), and Harry H. Bates, alleging a breach of contract, fraudulent misrepresentation, and bad-faith refusal to pay. The Turners alleged that Dansby & Evans, Auto Owners, and Bates1 had fraudulently induced them *328into purchasing a homeowner’s insurance policy by misrepresenting that the policy would pay full replacement costs on the dwelling and its contents in the event of a loss. The dispute arises from lightning damage in July 1994 to…