The plaintiff, Mount Vernon Fire Insurance Company (Mount Vernon), sought a declaration that it was not required to handle or pay a certain insurance claim. The dispositive issue before the court is whether the insured, El Rancho De Pancho LLC (El Rancho De Pancho), violated the terms of its agreement with Mount Vernon on October 9, 2011, giving rise to the injury upon which the insurance claim in question is based. The parties’ dispute in the instant action, is rooted in the following warranties: the …
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