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In this tutorial, Barry Zelma discusses the concepts of waiver and estoppel in insurance claims. While often confused, these two concepts are distinct. Waiver involves the voluntary relinquishment of a legal right, which must be done knowingly and intentionally. In contrast, estoppel prevents a party from contradicting what has previously been claimed or legally established, requiring evidence of a false representation. To establish estoppel, one must demonstrate that a false representation was made and that it has influenced the other party's actions or understanding of their rights. Understanding these differences is crucial for those involved in insurance investigations.