b. Meredith purchased a cabin in the mountains. She purchased insurance on the cabin. One day it snowed, and the four inches of snow caused the roof of the cabin to collapse. Meredith filed a claim with her insurer. The insurer denied the claim as the policy excluded "collapse caused by heavy snow." Meredith argued that four inches of snow in the mountains is not a "heavy snow" and that if the insurer wanted to exclude "heavy snow" they should have defined the phrase in the policy. If this case goes to court. Meredith should prevail because of which legal characteristic of insurance contracts