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Joe asked leroy an insurance agent for a large insurance company to issue him a homeowners insurance policy in exchange of payment of $500 joe

Joe asked leroy an insurance agent for a large insurance company to issue him a homeowners insurance policy in exchange of 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 claimed it is not covered joe did not ask any questions before paying and Leroy never advised joe that he was not covered. Is this a contract? Was it breached?

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