Jennifer Van Voorhis | Property Insurance Coverage Law Blog | April 13, 2016 Most home owner policies have a potential coverage defense for “increase of hazard.” An increase of hazard clause generally allows a carrier to disclaim coverage when “a new use is made of the insured property, or when its physical condition is changed from… Continue reading What Is a Permissions Granted Clause and How Does It Affect a Carrier’s Ability to Disclaim Property Losses for Increased Hazards?