Robert M. CARPENTER and Merle R. Kintigh, Individually and t/d/b/a Kintigh and Carpenter, a/k/a Kintigh and Carpenter Fine Homes, Appellants, v. FEDERAL INSURANCE COMPANY; Bankers Standard Insurance Company; Insurance Company of North America; Erie Insurance Company; Ralph Michael Costello and Naomi S. Costello, his wife; Kintigh Construction, Incorporated; Cheryl L. Micklow, Administratrix of the Estate of Paul Micklow, t/d/b/a Micklow Electric Company; Halo Lighting, a Division of McGraw-Edison Company; Atlantic Inland, Incorporated, and Middle Atlantic Electrical Inspections, Incorporated, Appellees