While verifying coverage on a complicated claim, adjuster Melanie discovers a potential coverage issue that might ultimately lead the insurer to deny coverage. However, she does not mention this potential problem to the insured, who assumes from Melanie's continuing investigation that the claim will be paid. By not mentioning the coverage issue, Melanie places herself and her cohsany in a

$($Search Chapter $13).$

a$.$ binding coverage.

b$.$ catch$-22$ situation.

c$.$ coverage bind.

d$.$ waiver and estoppel situation.