Adams v. Washington Fidelity National Insurance

1. Although an insurance policy may contain a provision that “no agent has authority to change this policy or to waive any of its provisions,” and that “no change in the policy shall be valid unless approved by an executive officer of the company and such approval be indorsed hereon,” the provisions of the policy may be changed by the ■ conduct of the company, through its authorized agents, amounting to a waiver of the provisions of the policy, which, when accepted and acted upon by the insured, amount to a change of the contract. A provision of a policy may be altered by a course of dealings…