§33-17-9. Total or partial fire loss.
All insurers providing fire insurance on real property in West
Virginia shall be liable, in case of total loss by fire or
otherwise, as stated in the policy, for the whole amount of
insurance stated in the policy, upon such real property; and in
case of partial loss by fire or otherwise, as aforesaid, of the
real property insured, the liability shall be for the total amount
of the partial loss, not to exceed the whole amount of insurance
upon the real property as stated in the policy. This section does
not apply where such insurance has been procured from two or more
insurers covering the same interest in such real property.