Opinion ID: 507880
Heading Depth: 3
Heading Rank: 2

Heading: Fraud Provision Applies to Claims for Proceeds

Text: 15 We also find that the word has does not limit the fraud provision to fraud which occurred in the application for insurance. Georgia has held that similar fraud provisions containing the word has are applicable to concealment or misrepresentation in proofs of loss and other statements. See Goldberg v. Provident Washington Ins. Co., 144 Ga. 783, 87 S.E. 1077, 1079-80 (1916); State Farm Fire and Casualty Co. v. Jenkins, 167 Ga.App. 4, 305 S.E.2d 801, 802-03 (1983). If Mr. Sales committed arson, he unquestionably concealed his role in the fire when he filed his claim for proceeds. Since the sworn claim stated that he had not caused the damage, State Farm can accurately say that Mr. Sales has misrepresented material facts. Therefore, State Farm may rely on the fraud provision to void the policy. 3 16