929 N.E.2d 172 (2006)
367 Ill. App.3d 1098
WITVOET
No. 1-05-1631.
WITVOET
v.
CHICAGO MUT. INS. CO.
No. 1-05-1631.
Appellate Court of Illinois, First District.
August 10, 2006.Reversed.
Appellate Court of Illinois, First District.
August 10, 2006.Reversed.