SCHROEDER, Justice.
This case arises from the district court's grant of summary judgment to State Farm Fire & Casualty Company (State Farm), finding that an injury suffered by Michael R. Heinz (Heinz) was covered under Rex and Paula Nebeker's (the Nebekers) Homeowner's Insurance Policy, not their contractor's policy.
I.
BACKGROUND AND PRIOR PROCEEDINGS
The Nebekers own a construction company which builds residential homes, mostly log...
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