When considering a proposal for a fire insurance policy on a property, which fact is NOT normally considered to be material?

In the context of fire insurance, material facts are those that could influence the underwriting decision or the terms of the insurance policy. When determining whether to accept and on what conditions to offer coverage, insurers typically focus on aspects that directly affect the risk associated with the property being insured.

The number of buildings owned by the proposer does not usually impact the risk of the particular property for which insurance is being sought. For instance, if a proposer has multiple buildings, it may provide background about their property portfolio, but it does not inherently change the risk profile of the specific building being insured. Underwriters are more concerned with the characteristics of the specific property—like construction materials, use, and occupancy—because these factors directly affect susceptibility to fire and the likely impact in the event of a claim.

On the other hand, the materials used to construct the property, the intended use of the building, and whether the building is solely occupied by the proprietor are all significant in assessing fire risk. For example, buildings made from flammable materials increase risk, as do certain uses like warehouses or factories with hazardous materials. Additionally, occupancy type can influence the risk profile and appropriate premium levels.

Consequently, while all aspects of the proposal are taken into account, the number of buildings