Ash’s father Ray owns a small convenience store. A fire destroys the store. Ray eventually opens…

Ash’s father Ray owns a small convenience store. A fire
destroys the store. Ray eventually opens another store in a new location and he
applies for fire insurance. The proposal that he fills out includes this
question: ‘Have you made any claims on an insurance policy in the last two
years?’ Ray answers ‘No’. He thought that the previous claim was more than 2
years ago. It was in fact 23 months ago. There is a fire in the new store and
Ray suffers substantial damage. The insurance company refuses to pay the claim.
Advise Ray.

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