I'm wondering if an insurance company could deny my coverage if a disaster happens and, after the fact, they determine that information I supplied when signing up turns out to be inaccurate. For example, if they ask me whether I have trusses or rafters for my roofing system and I give the wrong answer because I can't tell the difference, could they deny me coverage (or pay less money) in the event that a tree falls and damages my roof?
Or, if I get a discount for having smoke detectors in the house, there's a fire and it turns out that all of the batteries in my smoke detectors were dead when the fire started, could they deny coverage because I failed to keep my smoke detectors operational?
I'm asking not because I deliberately supply misinformation to my insurer, but because there are so many conditions involved in insurance policies that it seems like it would be easy to make a mistake. I've never heard of someone's house burning down and the person not being covered because of some small oversight, but can this happen?