In J.G. v. Wangard, 2008 WL 2745125 (Wis., 2008), J.G., a minor who was sexually assaulted and R.G., her mother, brought an action against the perpetrator, Steven Wangaad, his wife, Deborah, and their homeowner's insurers. Their insurer moved for a declaratory ruling and to dismiss the case against them on grounds that homeowner's policies did not cover the losses alleged in the complaint. The circuit court granted the insurers' motion to dismiss and Deborah Wangard appealed. J.G. and R.G. cross-appealed and the court of appeals affirmed. Deborah Wangard petitioned for review.