Section 14.26 Deny Coverage

• Library: Insurance Practice 2015

Denying coverage forecloses all grounds except those specifically cited by the insurer. Hounihan v. Farm Bureau Mut. Ins. Co. of Mo., 523 S.W.2d 173, 175 (Mo. App. S.D. 1975). As a general rule, an insurer who denies liability based on a specified ground is estopped from later denying coverage on a different ground. Burns Nat’l Lock Installation Co. v. Am. Family Mut. Ins. Co., 61 S.W.3d 262, 267 (Mo. App. E.D. 2001).

Estoppel requires:

(1) an admission, statement or act inconsistent with the claim...