Cooper also acknowledged that the mere invocation of the household exclusion was not necessarily fatal to an insurer’s case, though he added that insurers still have a heavy burden to prove that stacked coverage was knowingly and voluntarily waived.Daniel Cummins, an insurance defense lawyer with [Cummins Law] in Scranton who also was not involved in the Ryman case, said Norton’s ruling “puts the brakes on Gallagher somewhat. [read post]