Tennessee Code Annotated
Tenn. Code Ann. § 56-7-103 (2026)
Misrepresentation or warranty will not void policy - Exceptions
✓ current as of May 2026
No written or oral misrepresentation or warranty made in the negotiations of a contract or policy of insurance, or in the application for contract or policy of insurance, by the insured or in the insured's behalf, shall be deemed material or defeat or void the policy or prevent its attaching, unless the misrepresentation or warranty is made with actual intent to deceive, or unless the matter represented increases the risk of loss.
Acts 1895, ch. 160, § 22; Shan., § 3306; Code 1932, § 6126; T.C.A. (orig. ed.), § 56-1103.
Notes of Decisions
Cited in 73
cases (9 in the last 5 years), 1981–2025 · leading case: Pamela Lane v. Am. Gen. Life & Accident Ins. Co., 252 S.W.3d 289 (Tenn. Ct. App. 2007).
Pamela Lane v. Am. Gen. Life & Accident Ins. Co., 252 S.W.3d 289 (Tenn. Ct. App. 2007). “The relevant statutory provision is Tenn. Code Ann. § 56-7-103 (2000), which provides as follows: -7- 56-7-103.”
Smith v. Tennessee Farmers Life Reassurance Co., 210 S.W.3d 584 (Tenn. Ct. App. 2006). “Tennessee Farmers defended on the ground that it had a right to deny the claim under Tenn. Code Ann. § 56-7-103 (2000) because Mr.”
Tennessee Farmers Mut. Ins. Co. v. Farrar, 337 S.W.3d 829 (Tenn. Ct. App. 2009). “The statute mentioned by the trial court, Tenn.Code Ann. § 56-7-103 (2008), provides as follows: No written or oral misrepresentation or warranty made in the negotiations of a contract or policy of insurance, or in the application for contract or policy of insurance, by the…”
Freeze v. Tennessee Farmers Mut. Ins. Co., 527 S.W.3d 227 (Tenn. Ct. App. 2017). “The Trial Court found and' held that material misrepresentations made by Plaintiffs on their application for property owner’s insurance increased the risk of loss thereby causing the insurance policy to be void pursuant -to Tenn. Code Ann. § 56-7-103 . We find and hold that…”
State Farm Gen. Ins. Co. v. Wood, 1 S.W.3d 658 (Tenn. Ct. App. 1999). “The trial court found that a *660 misrepresentation regarding the insured’s prior loss history, made by Wood in her application for insurance, had increased State Farm’s risk of loss pursuant to T.C.A. § 56-7-103 1 ; accordingly, the trial court declared the subject policy void…”
McDaniel v. Physicians Mut. Ins. Co., 621 S.W.2d 391 (Tenn. 1981). “Coverage was denied by defendant in this case due to the provisions of T.C.A. § 56-7-103, which states: Misrepresentation or warranty will not avoid policy Exceptions.”
Kristen Cox MORRISON v. Paul ALLEN Et Al., 338 S.W.3d 417 (Tenn. 2011). “Although Tennessee Code Annotated section 56-7-103 (2008) generally favors the validity of insurance contracts, it also states that a written or oral misrepresentation in an application for insurance may defeat the policy if it “is made with actual intent to deceive” or “the…”
Giles v. Allstate Ins. Co., Inc., 871 S.W.2d 154 (Tenn. Ct. App. 1993). “It alleged the misrepresentations were in violation of T.C.A. § 56-7-103 and in violation of the concealment or fraud provisions of its homeowner’s policy and because of such misrepresentations the policy of insurance was void ab initio.”
Vermont Mut. Ins. Co. v. Chiu, 21 S.W.3d 232 (Tenn. Ct. App. 2000). “T.C.A. § 56-7-103 provides that [n]o written or oral misrepresentation or warranty therein made in the negotiations of a contract or policy of insurance, or in the application therefor, by the insured or in the insured’s behalf, shall be deemed material or defeat or void the…”
Bland v. Allstate Ins., 944 S.W.2d 372 (Tenn. Ct. App. 1996). “Tenn.Code Ann. § 56-7-103 (1994) provides: No written or oral misrepresentation or warranty herein made in the negotiations of a contract or policy of insurance, or in the application therefor, by the insured or in the insured’s behalf, shall be deemed material or defeat or void…”
U.S. Specialty Ins. Co. v. Payne, 387 F. Supp. 3d 853 (E.D. Tenn. 2017). “Pursuant to Tenn. Code Ann. § 56-7-103 , an insurance company may deny a claim for benefits in two circumstances: (1) if the insured made intentional misrepresentations on the application for insurance; or (2) if the insured made misrepresentations that increased the insurer's…”
Johnson v. State Farm Life Ins. Co., 633 S.W.2d 484 (Tenn. Ct. App. 1981). “Section 56-7-103? For the reasons stated below, we answer both of these issues in the affirmative, and reverse the trial court.”
— Tenn. Code Ann. § 56-7-103(2000) — 2 cases
Owens v. Tennessee Rural Health Improvement Ass'n, 213 S.W.3d 283 (Tenn. Ct. App. 2006).
Chester B. Owens v. Tennessee Rural Health Improvement Ass'n (Tenn. Ct. App. 2006).
— Tenn. Code Ann. § 56-7-103(2008) — 1 case
Tony Williams v. Tennessee Farmers Life Reassurance Co. (Tenn. Ct. App. 2011).
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