Under which scenario would a warranty be deemed violated?

A warranty in insurance is a specific type of promise or guarantee made by the insured to the insurer regarding certain facts or conditions pertaining to the subject matter of the insurance contract. If a warranty is violated, it means that the insured has not fulfilled the promise they made.

In the correct context, if a promise regarding the condition of the property is not kept—such as maintaining necessary safety features or repairs—this constitutes a violation of the warranty. This can lead to ramifications such as claims denial or policy cancellation because the insurer relies on these warranties when underwriting risk.

The other scenarios, such as failing to submit a claim, increased risk during policy renewal, or changes in state laws, do not directly relate to the violation of a warranty. These situations may involve other aspects of the insurance contract or the insurer's obligations but do not pertain to the direct promises made regarding property condition that constitute a warranty.