Parducci

BACKGROUND

I. FACTUAL BACKGROUND

24 This dispute arises from a homeowners’ insurance policy covering the Ukiah, California, 25 home of Margarett Parducci and the late John Parducci (collectively, “the Parduccis”). FAC [Dkt. 26 No. 59] ¶¶ 1, 8. In 2018, the Parduccis’ grandson, Richard Parducci, filed this lawsuit in his 27 capacity as conservator for and on behalf of Margarett Parducci, and as Trustee of the John A. Parducci and Margarett L. Parducci Survivor’s Trust. Dkt. Nos. 1, 59. Parducci contends that for at least seven years, his grandparents’ home was overinsured because of inflated replacement cost values allegedly determined by AMCO, which insured the residence. FAC at ¶ 9, 12, 14. As a result, Parducci argues, his grandparents paid excessive premiums on coverage limits that they “would never be able to collect if there had been a loss.” Id. at ¶ 12. AMCO explains that it requests a third-party inspection of high-value homes such as the Parduccis’—those valued at over $750,000—every seven to 10 years. Mot. for Summ. J. (“MSJ”) [Dkt. No. 152], Ex. I at 7:27-8:4; Ex. J at 157:16-20. To complete these inspections, that…