309 N.W.2d 356 Lloyd F. HAWES and Judith A. Hawes, his wife, Plaintiffs-Respondents and Cross-Respondents v. GERMANTOWN MUTUAL INSURANCE COMPANY, a mutual company of Wisconsin, Defendant-Cross-Appellant and Cross-Respondent, Ronald PELKY, Patricia Pelky, his wife, Marris-Moran Homes, Inc., a Wisconsin corporation, Alex Marris and Thomas Moran, Defendants, CITY OF MUSKEGO, a municipal corporation, and Gerald P. […]