No. 20-1339 ___________________________

Hallmark Specialty Insurance Company

Plaintiff - Appellee

v.

Phoenix C & D Recycling, Inc.

Defendant - Appellant

R & A Properties, Inc.

Defendant ____________

Appeal from United States District Court for the Southern District of Iowa - Des Moines ____________

Submitted: January 14, 2021 Filed: June 1, 2021 ______________ Before COLLOTON, WOLLMAN, and SHEPHERD, Circuit Judges. SHEPHERD, Circuit Judge.

Phoenix C & D Recycling, Inc. and its property owner, R & A Properties, Inc., (collectively, Phoenix) operate a trash recycling plant in Des Moines, Iowa. In July 2017, a fire began from a pile of biofuel material located on Phoenix’s property. Hallmark Special