Joe asked Leroy, an insurance agent for a large insurance company, to issue him a homeowners' insurance policy in exchange for payment of $500.Joe paid in full and, during a hurricane, said insurance company refused to pay for water damages caused by high winds and flooding.They claim it is "Not Covered."Joe did not ask any questions before paying and Leroy never advised Joe that he was not covered.

a.Is there a contract?

b.Was it breached?

Would question A be yes because of the money exchange but question B, no because the terms weren't discussed? Thank you