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                        as a courtesy to the reader. They are not part of the opinion of the court.

163888P.pdf   11/16/2017  Azim Aziz  v.  Allstate Insurance Company
   U.S. Court of Appeals Case No:  16-3888
   U.S. District Court for the Eastern District of Missouri - St. Louis   
   [PUBLISHED] [Benton, Author, with Colloton and Kelly, Circuit Judges] 
   Civil Case - diversity. District court's grant of judgment as a matter of 
   law following trial for breach of contract of insurance claim is affirmed. 
   Homeowners failed to present evidence of value of real property before or 
   after the fire and bankruptcy filing was insufficient to establish value. 
   Homeowners also failed to present sufficient evidence of personal 
   property's value immediately before the fire, as proof-of-loss list of 
   personal property did not account for deterioration, obsolescence or other 
   depreciation. The vexatious-refusal claim likewise fails where there is no 
   judgment on the insurance policy.