J.R. Maffei Richard Maffei Betty J. Maffei v. Northern Insurance Company of New York Maryland Casualty Co.

HUG, Circuit Judge:

This is an action, by an insured, J.R. Maf-fei, against the two defendant insurance carriers for breach of contract, bad faith, and declaratory relief. The action was originally filed in state court, but then was removed by the defendants on the basis of diversity of citizenship, pursuant to 28 U.S.C. § 1441. The primary issue in this case is whether a discharge of sulfur dioxide resulted from a fire in a drum of sodium hydrosulfite or from a non-fire-related chemical reaction in the drum. The insurance policies of J.R. Maffei, Richard Maffei, and Betty J. Maffei…