Justice GORDON delivered the opinion of the court:
Allstate Insurance Company (hereinafter referred to as Allstate) filed a declaratory judgment action against Nancy Brettman (hereinafter referred to as Brettman), her minor sons, Jacob Brettman and Anthony Zara (collectively referred to as the children), and David Rozychi, seeking a declaration that the homeowner's insurance policy it issued to Brettman imposed no duty upon it to either defend or indemnify her with...
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