What would happen to Tolu's claim if he did not adhere to his building insurance warranty?

When Tolu does not adhere to the building insurance warranty, the implications for his claim are significant. A warranty in an insurance policy is a condition that must be met for the policy to remain valid. If Tolu has breached the warranty, he may not be covered for any claims arising from that breach. However, this does not mean he loses all coverage entirely.

The correct answer indicates that while Tolu may not be liable for claims that result from the breach itself, he remains responsible for any losses that occur after he has remedied the breach. This means that if Tolu corrects the issue related to the warranty, he could still be able to claim for subsequent losses that occur after the breach has been addressed. This approach balances the insurer's need to enforce the terms of the policy with the insured's ability to maintain coverage upon rectifying issues.

In contrast, the other options present scenarios that are less aligned with standard insurance practices. For instance, avoiding the claim and canceling the policy entirely from the outset would not recognize the possibility of remedying the breach. A set proportion of the claim payment doesn’t apply in cases where a warranty has not been met; coverage is generally black-and-white in such situations, either it is covered or it