KINSER, Justice.
In this appeal, we construe a personal liability umbrella insurance policy provision stating that the insurer may not provide coverage if an insured "refuse[s]" to perform certain required duties. Because the insureds in this case merely failed to perform those duties but did not refuse to do so, we will reverse the circuit court's judgment in favor of the insurance company.
FACTS AND PROCEEDINGS
Robert V. Dye (the father), and his...
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