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I. BACKGROUND

1 A. Factual Background 2 Plaintiffs owned property in Sonoma County that was insured under a “Nationwide Private 3 Client” homeowners policy (“the Policy”) issued by Nationwide Defendants. ECF No. 1, Ex. A 4 (“FAC”) ¶ 12. The Policy “provided fire protection for the dwelling and other structures” on 5 Plaintiffs’ property and “promised, in the case of fire, to pay Plaintiffs the full cost to repair or 6 place [sic] the Property’s dwelling up to $1 million, with additional coverages (and additional 7 separate limits) for debris removal and code upgrades.” Id. ¶¶ 12, 14. “The $1 million dwelling 8 limit consisted of a declarations page limit of $500,000 modified by a replacement cost 9 endorsement promising to pay up to 200 percent of the declarations page limit [of $500,000] 10 without deduction for depreciation.” Id. ¶ 14. 11 In October 2017, Plaintiffs’ property was destroyed by “a series of devastating fires . . . in 12 the County of Sonoma that destroyed hundreds of residential dwellings.” Id. ¶ 16. “Plaintiffs lost 13 the entire dwelling and all personal property inside the dwelling.” Id. Plaintiffs promptly reported 14 the loss of their property to…