If a Material Change in Risk Occurs After a Fire

question 41

Essay

If a material change in risk occurs after a fire insurance policy has been entered into, what must the insured do in order to maintain his coverage? When this occurs, what options does the insurer have?

---

Definitions:

Cell-mediated Immunity

An immune response that does not involve antibodies but instead involves the activation of phagocytes, antigen-specific cytotoxic T-lymphocytes, and the release of various cytokines in response to an antigen.

Intracellular Bacteria

Bacteria that live within the cells of a host organism, often causing disease.

Extracellular Antigens

Foreign substances outside cells that trigger an immune response.

B Cells

A type of white blood cell that plays a key role in the immune response by producing antibodies against antigens.