
    Francis et al., Appellees, v. Hartford Fire Insurance Company; Royal Insurance Company of America, Appellant.
    [Cite as Francis v. Hartford Fire Ins. Co., 101 Ohio St.3d 62, 2004-Ohio-8.]
    
      (No. 2003-1697
    Submitted November 18, 2003
    Decided January 14, 2004.)
    Smith & Coiner and James D. Coiner, for appellees.
    Weston, Hurd, Fallon, Paisley & Howley, L.L.P., and Shawn W. Maestle, for appellant.
   {¶ 1} The discretionary appeal is accepted.

{¶ 2} The judgment of the court of appeals is reversed on the authority of Westfield Ins. Co. v. Galatis, 100 Ohio St.3d 216, 2003-Ohio-5849, 797 N.E.2d 1256.

Moyer, C.J., Lundberg Stratton, O’Connor and O’Donnell, JJ., concur.

Resnick, F.E. Sweeney and Pfeifer, JJ., dissent.  