Manuel A. Baralt Lizette Pena-Aviles Conjugal Partnership Baralt-Pena Juan Gonzalez-Perez Monserrate Canabal-Duran Conjugal Partnership Gonzalez-Canabel, Plaintiffs-Appellees/cross-Appellants v. Nationwide Mutual Insurance Company, Defendant-Appellant/cross-Appellee, Nationwide Insurance Company Nationwide Mutual Fire Insurance Company Nationwide Life Insurance Company Nationwide General Insurance Company Nationwide Property and Casualty Insurance Company Nationwide Group of Companies William P. Demeno, 251 F.3d 10, 1st Cir. (2001)