271 Wis.2d 819 (2004)
2004 WI App 68
677 N.W.2d 732
KOLTUNSKI v. WESTERN NAT'L MUT. INS. CO.
No. 03-1095.Court of Appeals of Wisconsin.
February 10, 2004.Unpublished Opinion. Reversed.
Court of Appeals of Wisconsin.
February 10, 2004.Unpublished Opinion. Reversed.