COOK, J.
James and Mary Kay Hartory owned and resided in a home in Chesterland, Ohio. The home was adjacent to a landfill. State Automobile Mutual Insurance Company ("State Auto") issued a Home Protectors Homeowners Policy to the Hartorys which provided coverage from June 15, 1985 through December 15, 1985. During the spring and summer of 1985, highly explosive methane gas from the landfill penetrated their house and their water well, contaminating both.
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