STATE OF MINNESOTA

IN COURT OF APPEALS

C9-02-2029

Judd Turner, et al.,

Respondents,

vs.

Mutual Service Casualty Insurance Company,

Respondent,

Liberty Mutual Fire Insurance Company,

Appellant.

Filed June 17, 2003

Reversed

Halbrooks, Judge

Ramsey County District Court

File No. CX-01-812

Donald R. McNeil, Coleman, Hull & Van Vliet, P.L.L.P., 8500 Normandale Lake Boulevard, Suite 2110, Minneapolis, MN 55437 (for respondents Judd and Terese Turner)

Jack D. Moore, Moore, Warner & Kruger, Two Pine Tree Drive, St. Paul, MN 55112 (for respondent Mutual Service Casualty Insurance Company)

Theodore J. Smetak, Douglas D. McGhee, Arthur, Chapman, Kettering, Smetak & Pikala, P.A., 81 South Ninth Street, Suite 500, Minneapolis, MN 55402; and

Nancy L. Gores, Conley & Borgeson, 2550 University Avenue West, Suite 220 South, St. Paul, MN 55114 (for appellant)