917 N.E.2d 638 (2006)
363 Ill. App. 3d 1202
ST. PAUL FIRE & MARINE INS. CO.
No. 1-04-2494.
ST. PAUL FIRE & MARINE INS. CO.
v.
SMITH.
No. 1-04-2494.
Appellate Court of Illinois, First District
March 29, 2006.Affirmed.
Appellate Court of Illinois, First District
March 29, 2006.Affirmed.