Which of the Following Accurately States the Legal Effect of the Insured's

Which of the following accurately states the legal effect of the insured's violation of an increase of hazard clause in a property insurance policy?

A) An increase of hazard clause provides that the insurer's liability will be terminated if the insured takes any action materially increasing the insurer's risk.
B) The insurer acquires the right of subrogation.
C) The insurer cannot avoid having to pay the insured for a loss unless the loss resulted from the condition that constituted a violation of the increase of hazard clause.
D) The insured becomes obligated to pay punitive damages to the insurer.