Where an insurer receives actual notice of a lawsuit against an insured individual but waits 10 months to file a declaratory judgment action, that insurer is estopped from asserting policy defenses to coverage. The Illinois Appellate Court, 1st District, 5th Division, affirmed the decision of Cook County Circuit Judge LeRoy K. Martin Jr. Vincent Hodor was employed by JAK Iron Works Inc. on March 26, 2006, to work on a construction site in west suburban Bloomingdale when he fell through an opening in a concrete floor …