With Stephen Allred, Joshua Davey, Kathleen Dooley, Ann Terrell Dorsett, Lowndes Christopher Quinlan, L.D. Simmons III, Practice Group Co-Chair
The majority rule in the United States is that a policyholder may not create coverage under an insurance contract through either waiver or estoppel. This is true under both first-party property insurance policies as well as liability insurance policies.