OPINION
GRANT, Judge.
In Case No. CA-CV 92-0220, Clarence and Barbara Morgan and Arizona Tufflite, Inc. appeal from summary judgment granted in favor of Northern Insurance Company, ("Northern"). In Case No. CA-CV 92-0553, C.T. Morgan, et al. appeal from summary judgment granted in favor of Northwestern National Casualty Company, ("Northwestern"). Both actions were declaratory judgment actions.
On February...
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