What does misrepresentation in an insurance application typically result in?

Misrepresentation in an insurance application typically leads to a denial of claims because insurers rely heavily on the accuracy and honesty of the information provided when assessing risk and determining coverage. If an applicant intentionally or unintentionally provides false information—such as omitting relevant health history, incorrect personal details, or misrepresenting the use of property—the insurer may consider this a breach of trust. When a claim arises, insurers will investigate the circumstances surrounding the application and, upon discovering misrepresentation, may deny the claim based on the fact that the policy was issued under false pretenses. This upholds the principle of good faith in insurance transactions, which expects both parties to act honestly and transparently.