ARMSTRONG, P.J.
¶ 1 Chanel Chadwick and a friend started a fire that spread to the nearby Aldrich's Market building, damaging property of Ham & Rye, LLC (H & R) and Retail Services, Inc. (RSI). State Farm insured Chadwick and her grandparents with homeowners' liability and personal umbrella policies. H & R and RSI appeal the trial court's order granting summary judgment to State Farm Fire and Casualty Company and declaring that State Farm's insurance...
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