---
title: "Build a non-disclosure or misrepresentation table from the application and the claim"
url: "https://ailawframework.com/practice/insurance-law/build-a-non-disclosure-or-misrepresentation-table-from-application-and-c/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-T1-R9-US"
practice_area: "Insurance Law"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Build a non-disclosure or misrepresentation table from the application and the claim

> Set each application answer beside the later claim document that appears to differ, with the page of each. Do not say the insurer may rescind.

Canonical page: https://ailawframework.com/practice/insurance-law/build-a-non-disclosure-or-misrepresentation-table-from-application-and-c/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Insurance Law](https://ailawframework.com/practice/insurance-law.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | Set each application answer beside the later claim document that appears to differ, with the page of each. Do not say the insurer may rescind. |
| What the lawyer must review | Rescission for concealment is state insurance law. California Insurance Code § 331 says concealment, whether intentional or unintentional, entitles the injured party to rescind. That sentence is California's. Other states require intent, materiality, or both. You open the governing statute and the policy's representation clause before any rescission advice. 15 U.S.C. § 1012 is why you do not import a federal common-law rule over the state statute. |
| Written for | United States |
| Applies to | [Build a non-disclosure or misrepresentation table from application and claim](https://ailawframework.com/practice/insurance-law/build-a-non-disclosure-or-misrepresentation-table-from-application-and-c.md) |

## Checking plan

- What the AI does: Set each application answer beside the later claim document that appears to differ, with the page of each. Do not say the insurer may rescind.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- Section 331 was read as in force on the California legislative source checked 19 October 2026. Confirm it again on the day of advice.
- Do not apply Insurance Contracts Act 1984 (Cth) section 21 or section 28.

## Sources

- [California Insurance Code § 331, concealment](https://california.public.law/codes/ca_ins_code_section_331) (checked 2026-10-22)
- [15 U.S.C. § 1012, McCarran-Ferguson Act: regulation by State law](https://www.law.cornell.edu/uscode/text/15/1012) (checked 2026-10-22)

## Forms and precedents for this task

| Form or precedent | Kind | AI level | Summary |
| --- | --- | --- | --- |
| [Letter to an insurer disputing avoidance or reduction of a claim for non-disclosure or misrepresentation](https://ailawframework.com/precedents/insurance-law/letter-disputing-avoidance-or-reduction-for-non-disclosure.md) | Letter | Yellow | A letter for an insured disputing an insurer's decision to avoid a general insurance policy or reduce a claim for non-disclosure or misrepresentation, testing the decision against ss 20B, 21, 22,… |

Signed-in accounts can read the full text of each one.

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*