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Insurance applications can be challenging. The questions are
often ambiguous and remembering every piece of relevant information
is difficult. However, being diligent is important, as an insurer
may deny coverage of a claim if an insured incorrectly answered a
question or failed to disclose material information. On the other
hand, insureds should be aware that courts will scrutinize claims
of inadequate disclosure on a reasonableness basis. Typically,
insurers cannot rely on answers to ambiguous questions in
application materials unless the nature of the risks those