In March 1982, plaintiffs William and Michelle Mullare (hereinafter plaintiffs) obtained a homeowners policy of insurance from defendant Lumber Mutual Insurance Company on a residence in the Town of Hunter, Greene County. The policy was procured through defendant Glenn R. Edelman, plaintiffs' insurance agent. On July 8, 1982, the premises were destroyed by fire. Lumber Mutual disclaimed coverage, contending that the premises were being used...
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