Sang$-$woo sold his house to Gi$-$hun for $$140,000$ in cash. Sang$-$woo decided to allow Gi$-$hun to take over the

existing insurance on the house as part of the deal and did not bother telling the insurer that there was a

new owner. Four months after Gi$-$hun purchased the home, a squid$-$shaped tornado severely damaged the

roof.

Which of the following legal characteristics of insurance contracts could the insurer use to legally deny

payment for the damage to the roof?

Insurance contracts are aleatory contracts.

Insurance contacts are contracts of adhesion.

Insurance contracts are unilateral contracts.

Insurance contracts are personal contracts.