(Solution) - 1 Why did the court conclude that an unoccupied house -(2025 Original AI-Free Solution)

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1. Why did the court conclude that an unoccupied house did not necessarily create a substantial increase in hazard?
2. Why did the court hold that Allstate?s cancellation of the policy, retroactive to November 2001 (when Luster moved to an extended-care facility), was ineffective?
3. Was Luster?s intent to return to her home when her health permitted sufficient to constitute occupancy? Why or why not?
4. What fact, if it was different, might have persuaded the court in this case to rule in Allstate?s favor? Discuss.