Spain, J.
On January 22, 1994, defendant Robert G. Roth was seriously injured when he fell from a ladder while removing snow from the roof of the Cottekill, Ulster County home of his sister and her husband, plaintiffs herein. Plaintiffs notified their local insurance agent of the accident. Defendant Excelsior Insurance Company thereafter disclaimed coverage on the ground that Roth was an additional insured under plaintiffs' home-owner's
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