Bruce Oakley, through his corporation Oakley, Inc. (Oakley), stored soybeans from the 1992 harvest in a 500,000 bushel storage bin located in Morrilton, Arkansas. In February, 1993, Oakley's employees began to unload the storage bin and noticed that some of the beans were charred and blackened. The issue before us is whether Oakley's Farmland Mutual Insurance policy covers the damage to the beans caused...
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