Gulfport-Brittany, LLC et al v. RSUI Indemnity Company, No. 1:2007cv01036 - Document 19 (S.D. Miss. 2008)

Court Description: ORDER denying 9 Motion for Partial Summary Judgment; granting 11 Motion for Summary Judgment. Signed by District Judge Halil S. Ozerden on 11/7/08 (wld)

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Gulfport-Brittany, LLC et al v. RSUI Indemnity Company Doc. 19 IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF MISSISSIPPI SOUTHERN DIVISION GULFPORT-BRITTANY, LLC and MEREDITH APRIL MATTHEWS § § § § § § § v. RSUI INDEMNITY COMPANY PLAINTIFFS Civil Action No. 1:07cv DEFENDANT ORDER AND REASONS GRANTING DEFENDANT’S MOTION FOR SUMMARY JUDGMENT AND DENYING PLAINTIFFS’ MOTION FOR PARTIAL SUMMARY JUDGMENT !! " " # $ *+ +,,34 % 256 ). / " # "/ *7 ** ) % && 1 *+ +,,-0 / " " " & & / / < . ) " % 22 " & & " ) % && *9 " / ) ( " / " ") " # < 0 /? " " % 2 / " *: 0 " . " & ) ) " 1 " ( ; "0 =1 $ " *8 0 # ' "(& $ ; 20 # % 2 )& " # 0 1 " " & ' "(& $ / $ ) # ( "& ( ( + +,,> # & 0 # -1- Dockets.Justia.com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