ROTHENBERG, J.
Melania and Charlie Cheetham (collectively, "the Cheethams") appeal from a final judgment entered in favor of their insurer, Southern Oak Insurance Company ("Southern Oak"), based on the trial court's finding that the Cheethams' claimed loss was specifically excluded under their policy. As we conclude the claimed loss does not fall within the exclusion, we reverse the final judgment and remand for further proceedings.
I. FACTS
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