Supreme Court of Arkansas May 8, 1995, 94-1162 (Columbia Mutual Casualty Insurance v. Ingraham)

David Newbern, Justice.

Trehlan Ingraham, the appellee, applied for casualty insurance to be provided by the appellant, Columbia Mutual Casualty Insurance Company (Columbia), for a residence he owned. He did so at the Rowe Insurance Agency in Farmington where he was assisted by Ms. Spears, an agency employee. The application form Mr. Ingraham signed included a 30-day binder. He gave Ms.