277 F.3d 772 (5th Cir. 2001) D. EUGENE ARNOLD, on behalf of himself and all other residents of the State of Mississippi who own dwellings, and who are otherwise similarlysituated, in Jackson, Harrison and/or Hancock Counties, Mississippi, BOBBY E. VINING; DANIEL B. STORY, Plaintiffs-Appellees,v.STATE FARM FIRE AND CASUALTY COMPANY; ALLSTATE INSURANCE COMPANY, Defendants-Appellants. Nos. 00-60104, […]