Opinion ID: 3170827
Heading Depth: 1
Heading Rank: 3

Heading: conclusion

Text: Because there is a material factual dispute as to whether Mr. Christy knew or should have known Travelers would have considered the formation of K&D, Inc. material to its decision to renew the Policy, summary judgment based on Mr. Christy’s legal duty to speak was inappropriate. And because the existence of a legal duty governs whether Mr. Christy engaged in a material misrepresentation by not informing Travelers he had formed K&D, Inc., we hold the district court erred in reforming the Policy on that basis at this stage of the proceedings. Accordingly, we reverse the district court’s grant of summary judgment and remand for further proceedings consistent with this decision. But because Mr. Christy has not met his burden to come forward with evidence in support of his claim for breach of the implied covenant of good faith and fair dealing, we affirm the district court’s grant of summary judgment on that claim. 23