A hidden flaw or defect which is not readily discoverable by a competent person using reasonable skill in an ordinary inspection.
A hidden flaw or defect which is not readily discoverable by a competent person using reasonable skill in an ordinary inspection.
Whether or not it affects a claim on the policy the Insured must comply with all warranties in the policy. In the event of breach of warranty by the Insured, the Insurer is automatically, discharged from all liability from the date of the breach, but the Insurer remains liable for Insured losses occurring prior to that date.