In Madgett v. Monroe Company Mutual Tornado Insurance Co., 46 Wis. 2d 708, 176 N.W.2d 314 (1970), an insurance agent told the plaintiff to fix a building and provide him with a list of damages despite the nonexistence of an insurance contract covering the peril which caused the damage. The plaintiff alleged that the insurer was estopped from relying on the plain meaning of the policy because the action taken by the insurance agent caused the plaintiff to believe that coverage existed and that is why he fixed the building. See Madgett, 46 Wis. 2d at 709. The plaintiff alleged that his reliance harmed him because the insurance company then denied coverage, leaving him to pay for the damages out of pocket. See id.