Allan S. Ghitterman and Susan Rose v. Chubb Group of Insurance Companies and Federal Insurance Company, Federal Insurance Company v. Allan Ghitterman and Susan Rose

9 F.3d 1551 NOTICE: Ninth Circuit Rule 36-3 provides that dispositions other than opinions or orders designated for publication are not precedential and should not be cited except when relevant under the doctrines of law of the case, res judicata, or collateral estoppel. ALLAN S. GHITTERMAN and SUSAN ROSE, Plaintiffs-Appellants, v. CHUBB GROUP OF INSURANCE COMPANIES and FEDERAL INSURANCE COMPANY, Defendants-Appellee. FEDERAL INSURANCE COMPANY, Plaintiff-Appellee, v. ALLAN GHITTERMAN and SUSAN ROSE, Defendants-Appellants. Nos. 92-55680, 92-55681. United States Court of Appeals, Ninth Circuit. Submitted Oct. 7, 1993. * Decided Nov. 4, 1993. 1 Before: HALL and RYMER, Circuit Judges, and FITZGERALD, ** Senior District Judge. 2 MEMORANDUM *** 3 Appellants Allan Ghitterman and Susan Rose own a house in Santa Barbara, California insured under an all risk insurance policy issued by appellee Federal Insurance Company (Federal). In October, 1990, appellants noticed damage in the house including cracks and openings in the walls and difficulty closing doors. Appellants attribute the damage to compaction in the substrate soil below the house as the ground water table lowered during the long…