KIDD, Justice.
In the summer of 1987, following a heavy rain storm, a defective retaining wall collapsed, and the resulting landslide substantially damaged the home of Lee and Sharon Gros ("Appellees"). Appellees turned to their homeowner's insurance carrier, State Farm Fire & Casualty Company ("State Farm"), for compensation. Relying on several exclusions within the insurance policy, State Farm denied all liability. Based on the jury's verdict, the district court...
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