867 N.E.2d 126 (2004)
347 Ill. App. 3d 1125
HARTFORD CAS. INS. CO.
No. 4-03-0906.
HARTFORD CAS. INS. CO.
v.
DEPOT, LTD.
No. 4-03-0906.
Appellate Court of Illinois, Fourth District.
June 9, 2004.Rev'd & remanded.
Appellate Court of Illinois, Fourth District.
June 9, 2004.Rev'd & remanded.