Court of Appeals for the Sixth Circuit February 1, 2016, No. 15-5571 (Cox v. Empire Fire & Marine Insurance)

ROGERS, Circuit Judge.

In April 2008, a fire destroyed the unoccupied and unfurnished home of William and Sheila Cox. Three months later, the insurer, Empire Fire & Marine Insurance Company (Empire), paid $132,445 to settle the claim. Empire also made supplemental payments of $6,596 and $24,082 over the next eighteen months.