Simon is a claims handler for TP Lid, an insurer, and works in the first notification of loss (FNOL) department. Simon receives a phone call from one of TP Lid's policyholders, to make a claim for damage to their property. The policyholder asks Simon if building repair work on the property can proceed, pending the outcome of the claim. Simon states that "it can" as he is sure "it will be fine". A few weeks later, Simon checks the claim record to discover that the claim had been declined. However, the building repair work had already commenced. (a) Identify, with justification, the tort that Simon may have committed. (6) (b) Explain briefly, the main legal remedy available to the policyholder. (4)