This case involves the issue of the applicability of a pollution exclusion in a homeowner's policy to a claim for an oil spill remediated by plaintiff. In 1991, Dorothy O'Connell owned a home in the Town of Sand Lake, Rensselaer County, which was insured by a homeowner's policy issued by defendant for the period July 17, 1990 through July 17, 1993. The policy of insurance issued by defendant to O'Connell contains the following provision:
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