IN THE UNITED STATES COURT OF APPEALS FOR THE FIFTH CIRCUIT United States Court of Appeals

No. 14-40135 Fifth Circuit

FILED November 6, 2015 Lyle W. Cayce BRIAN LOWERY, et al, Clerk

Plaintiffs, v. FIDELITY NATIONAL PROPERTY AND CASUALTY INSURANCE COMPANY, a corporation,

Defendant --------------------------------------------------- JEFFREY M. PYE; THERESA PYE,

Plaintiffs - Appellees Cross-Appellants v. FIDELITY NATIONAL PROPERTY AND CASUALTY INSURANCE COMPANY, a corporation,

Defendant - Appellant Cross-Appellee

Appeals from the United States District Court for the Southern District of Texas

Before JOLLY, HIGGINSON, and COSTA, Circuit Judges. COSTA, Circ