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  5. 962 S.W.2d 272 (1998)
 

E & L CHIPPING CO. v. HANOVER INS. CO.

No. 09-96-232 CV.

962 S.W.2d 272 (1998)

E & L CHIPPING CO., INC., Formerly E & L Lumber Co., Inc., and Lester Lowery and Elvin "Buddy" Lowry, Appellants, v. The HANOVER INSURANCE COMPANY, Hanover Lloyd's Insurance Company, The St. Paul Insurance Company, and The St. Paul Insurance Companies, Inc., Appellees.

Court of Appeals of Texas, Beaumont.

Decided February 5, 1998.

Attorney(s) appearing for the Case

George E. Chandler, Reich Chandler, Darrin Walker, Law Offices of George Chandler, Lufkin, L. Brent Farney, San Antonio, James W. Hackney, Austin, Robert G. Osborn, Law Offices of Robert G. Osborn, Lufkin, for appellants.

David P. Boyce, Austin, Ruth G. Malinas, J. Michael Myers, Ball & Weed, San Antonio, John L. Riedl, Luce, Forward, Hamilton & Scripps, San Diego, CA, for appellees.

Before WALKER, C.J., and BURGESS and STOVER, JJ.

OPINION

STOVER, Justice.

This appeal from the granting of summary judgments in favor of St. Paul Insurance Company and Hanover Insurance Companies raises several important issues concerning insurance law and the scope of environmental insurance coverage under Texas law.

Appellants (collectively referred to as "E & L") are a lumber company (E & L Chipping Co., Inc.) and its owners (the "Lowerys"). Appellees are three insurance companies: St...

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