1. The family of Jack were away on a winter vacation in California when a storm off a large branch from a tree. The branch landed on the roof of their home and causing severe damage. The neighbor of Jack, named Jill, realized that if the roof will not be quickly repaired, its furniture, fixture and carpets would be badly damaged. Jill had no way of contacting Jack. In her own initiative, she contacted two builder firms and obtained a quotation from each of them. If Jill paid the builder, under the agency by necessity, doe Jill entitled to be reimbursed?

B. Joker purports to accept the offer of John to sell a large quantity of crops to Peter and without authority coming from the principal, Peter. Before its delivery date, John learned that Joker has no authority. John decided to sell the crops to other party because he cannot wait for the ratification of the agreement from the principal as the crops need to be disposed off as quickly as possible as it is perishable goods. The entire insurance policy is payable to John. If Peter ratifies the contract. Does the ratification of the contract effective?

C. ABC Corporation was awarded a project to create a water supply for the town of Olds. The project involved the construction of water intake line under a portion of the riverbed. During the design of the project, they foresaw that a risk of damage from flood is real. And that is why and before start of the project, they secure an insurance coverage for those risks. The corporation communicated to the agent of the insurance company their concern about that risk, and they wanted and insurance coverage specifically for construction materials, equipment, and construction site. The company was satisfied with the outcome of the conversation with the agent as the agent said that the coverage of the risks will be arranged, and the insurance policy will be delivered in due time. Immediately, the agent contacted the insurance company and purchase a policy that exclude the coverage, as requested, in the event of flood. When the river was flooded, it destroyed and damaged some of the construction materials, equipment, and its site. Worse, the company learned that the insurance policy does not cover them as directed.