It's simply amazes me how easy of an escape route an insurance company has to get out of paying a claim.  More interesting is how while purchasing a new policy the licensed Insurance adviser needs to mention none of this crucial information to the new "client" .
It's should be made mandatory for the insurance company to send a questionnaire out each and every renewal period with the new policy asking these crucial questions that would directly affect the policy.. 
Maybe one day our friends in the government might care to look out for the average Joe instead only looking to raise our tax's in order to support the raise they give them selves each year...