Soon After Leaving Hospital After Undergoing a Major Operation,you Renewed

Soon after leaving hospital after undergoing a major operation,you renewed the insurance cover on your house,which lies next to a cliff.Because of the effects of the anaesthetic you innocently forgot to disclose a geo- technical report stating your house could slip off the cliff during heavy rains unless major strengthening work was carried out.Before you fully recovered your senses,your house was damaged by fire.Your insurer has a firm policy of never insuring properties with geo- technical problems.What is the most likely outcome?

A) your insurer probably has to pay your claim because its agent was negligent in not checking whether there was a geo- technical report.
B) the insurer has to pay your claim minus the highest premium it could have charged.
C) the insurer is probably not obliged to pay you anything.
D) the insurer probably cannot refuse to pay your claim.