OPINION
BAKER, Justice.
This is a declaratory-judgment action tried on stipulated facts. Trinity, as subrogee to its insured's rights, sued Fidelity. The trial court found for Fidelity. Trinity contends the trial court erred because Fidelity was also liable for the loss. We reverse and render.
NATURE OF THE CASE
Trinity and Fidelity stipulated to the facts and documentary evidence. The trial court's judgment states:
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