OPINION
BATJER, Justice:
On October 10, 1974, Industrial Indemnity Company, hereinafter referred to as "Industrial", issued a builder's risk fire insurance policy to J.F. Shea Company, Inc., dba Century Community Developers, hereinafter referred to as "Shea". The policy was effective through October, 1977, and covered fire losses at Shea's construction projects.
On January 15, 1976, Shea subcontracted with Hynds Plumbing & Heating Company, hereinafter...
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