RYDER, Chief Judge.
Ohio Casualty Insurance Company, insurer of Rafael Santos, Sr., d/b/a Santos Lawn Service, appeals a trial court judgment that Santos was entitled to insurance coverage when he mistakenly felled a thirty-foot java plum tree. We reverse.
The facts are not in dispute. Mrs. Jeanne Atkins contacted by telephone Santos Tree Service and told Rafael Santos, Jr. that she wanted her java plum tree topped "way down." Mr. Santos, Jr. relayed her instructions...
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