ON APPELLEE'S MOTION FOR REHEARING AND/OR RECONSIDERATION
STONE, BARRY J., Senior Judge.
We grant appellee's motion for rehearing and/or reconsideration, withdraw our opinion dated December 5, 2012, and substitute the following in its place.
Final judgment was entered in favor of Essex Insurance Company in a dispute over insurance coverage in this action for declaratory judgment and breach of contract. The judgment contained no findings
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