Plaintiffs commenced this action to recover for water damage on a homeowner's policy of insurance issued by defendant. The facts are essentially undisputed. The policy was in effect when, on March 15, 1986, plaintiffs discovered that a sump pump situated in the basement had malfunctioned, leaving the basement flooded with water. As noted in plaintiffs' brief, the pump was placed in the basement to remove any water that seeped through the foundation...
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