Court Opinion

ID: 9462914
Source: CourtListenerOpinion
Date Created: 2023-08-04 22:53:19.020016+00
Date Added: 2024-06-11T17:37:50.782712
License: Public Domain

WINTER, Circuit Judge
(concurring specially):
Because I am persuaded that State Farm waived First Provident’s breach of its contractual duty to give reasonable notice of change of ownership, I concur in the result. I deem the case one of waiver, and not estoppel, because there is lacking an element of reliance by any party on any representation by State Farm. Rather, as the district court found, State Farm accepted a premium paid by First Provident after State Farm’s agent and adjuster had knowledge of the change in ownership and possession of the insured property and State Farm failed to return any portion of the premium for the year in which the loss occurred. Indeed, State Farm accepted and retained a portion of the premium for the year following the year of the loss.