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D3. Rosie LaRue calls her insurance agent at 3:00 AM. and asks the agent to increase the coverage on her house from $60,000 to $80,000.

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D3. Rosie LaRue calls her insurance agent at 3:00 AM. and asks the agent to increase the coverage on her house from $60,000 to $80,000. He agrees to do so. During the night the house burns to the ground, and the company denies liability for the additional $20,000 in coverage. On what grounds do you think the denial is based? Should the companyr be obligated to pay the original $60,000

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