More on Materiality
In the above case, Sogomonian misrepresented two material facts: that he had never incurred a prior loss and that he had never been refused insurance, or had insurance declined, canceled, or non-renewed. In fact, he had had several prior policies canceled and had filed multiple claims. The Imperial Casualty & Indemnity Company underwriter testified that, had she known the facts, she would not have insured Sogomonian against the risk of loss of his home and its contents.
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