COA Reaffirms That Waiver/Estoppel Can't Broaden Coverage Of Insurance Policy

Today in Hannah v. Nationwide Mut. Fire Ins. Co. the Court of Appeals (COA) reaffirmed that the doctrines of waiver and estoppel may not be used by an insured to broaden the overage of a policy to protect against risks not included in the policy or excluded from the policy (in this case, to obtain coverage for personal property not otherwise covered by the policy). The doctrines of waiver and estoppel simply don't apply.