932 N.E.2d 1219 (2007)
369 Ill. App. 3d 1044
AMERICAN COUNTRY INS. CO.
No. 1-05-1825.
AMERICAN COUNTRY INS. CO.
v.
TURNER CONST. CO.
No. 1-05-1825.
Appellate Court of Illinois, First District.
January 19, 2007.Rev'd & rem.