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Saddleback v. Certain Underwriters at Lloyd's
Saddleback Inn, LLC (Saddleback) sued its insurer, Certain Underwriters at Lloyd’s London, Syndicate 570 and Certain Underwriters at Lloyd’s London, Subscribing to Certificate No. ATR/C/119559 (collectively referred to as Underwriters), after Underwriters refused to pay a claim for fire loss. In a bifurcated proceeding, the trial court reformed the insurance policy to include Saddleback as a named insured. Underwriters paid Saddleback $2,884,583 after the ruling. In the second phase of trial, the jury found Underwriters liable for bad faith and awarded $50,000 in punitive damages. The trial court then awarded Saddleback its attorney fees and costs. Underwriters appeal the bad faith finding and the award of attorney fees, but do not dispute the reformation cause of action. We find no error and affirm the judgment in all aspects.

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