{¶ 1} The judgment of the court of appeals is affirmed on the authority of Kyle v. Buckeye Union Ins. Co., 103 Ohio St.3d 170, 2004-Ohio-4885, 814 N.E.2d 1195.
Moyer, C.J., Lundberg Stratton, O’Connor and O’Donnell, JJ., concur.
Resnick, F.E. Sweeney and Pfeifer, JJ., dissent.
Robert W. Kerpsack Co., L.P.A., and Robert W. Kerpsack, for appellants.
Utrecht & Young, L.L.C., and James D. Utrecht, for appellee Cincinnati Casualty Company.
Freund, Freeze & Arnold, Christopher W. Carrigg and Jamey T. Pregón, for appellee Republic Franklin Insurance Company.