YOU HAD BETTER READ THAT INSURANCE APPLICATION BEFORE YOU SIGN IT.  YES,  SIREE.  BUT NOT ALWAYS.  This point was brought home by the 8th Circuit in the case of Metropolitan Prop. and Cas. Ins. v. Calvin, 802 F.3d 933 (2015).   There, Calvin's house burnt down.  He collected insurance and rebuilt on the same land.  When the second house was finished, he sought coverage from his original insurer, State Farm.  The agent told [...]