Supreme Court of Arkansas December 5, 1994, 94-484 (Silvey Companies v. Riley)

Robert H. Dudley, Justice.

Frenchie and Hazel Riley’s home was destroyed by fire on June 9, 1992. The Silvey Companies had issued a homeowners’ policy to Frenchie Riley that covered loss by fire in the amounts of $45,000.00 for the dwelling and $22,500.00 for the contents and personal property. On July 8, 1992, Silvey paid $500.00 on the contents.