Court of Appeals for the Second Circuit December 13, 1995, Nos. 127, 243, Docket 95-7196, 95-7236 (American National Fire Insurance v. Kenealy)

CALABRESI, Circuit Judge:

When agreements between insurers and their insureds are modified, the full significance of the changes is all too often unclear. When the doubts that arise from the modifications themselves are compounded by uncertainties that stem from the ambiguous role played by an insurance broker acting between the parties, the result is apt to be anything but pleasant.