An adjuster writes to an insured that a late proof of loss will not be a problem, and the insured relies on that. The insurer is likely barred from denying on that ground by:

Giải thích

Waiver is the voluntary giving up of a known right, and estoppel then stops a party from asserting the right after the other side reasonably relied on its words or conduct to its detriment. Here the adjuster's written assurance is the conduct relied on. Subrogation concerns recovery from a third party at fault, and abandonment is the insured's attempt to dump damaged property on the insurer.