Mary recently purchased a wood-burning stove for her cabin in the mountains. She remembers that when she originally purchased homeowners insurance for the cabin, the insurance agent asked if she had a wood-burning stove, because wood-burning stoves increase the risk of fire. At the time, she correctly answered no. Now, she must decide whether to inform her insurance agent about the new stove.
(a) Which legal doctrine does this potentially violate?
(b) What criteria are used to determine whether or not she was in violation?
(c) Would you advise her to inform the insurance agent? Explain.