PER CURIAM.
On March 20, 1996, Daniel and Deborah Meggison notified their insurer, Preferred Mutual Insurance Company, that their home had suffered two types of damage: water damage and damage from a partial collapse under the weight of snow. Preferred paid the water damage claim but denied the remaining claim. The denial was based in part on an exclusion for errors, omissions, or defects. A re-inspection of the home, at the Meggisons' request, did not change Preferred...
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