OPINION
FERNANDEZ, Judge.
Appellants J.R. and Lois Hays and Hays Roofing & Supply, Inc. (Hays) appeal from a summary judgment entered in favor of appellee Western Casualty & Surety Company in its action seeking a declaratory judgment that it owes appellants no duty to defend or indemnify them under any of three insurance policies. Hays contends the trial court erred in interpreting policy definitions and argues that the court should have granted summary...
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