C12 Insurance On Property Practice Questions - Insurance Institute Of Canada - C12 Insurance On Property Exam

Whether the fact is something the insured personally believed was important to disclose. Whether disclosure of the fact would have influenced a prudent underwriter in deciding whether to accept the risk or in setting the premium. Whether the fact directly caused the loss that is the subject of the insurance claim. Whether the fact is a matter of public record that the insurer could have discovered independently.