QUESTION $1($problem question: consider using the IRAC method$)$:

Eero purchased a house in late $2023$ for $$570,000.$ He arranged for the house to be insured by PAYFORU. On the proposal form, Eero listed the roof as being made from concrete tiles. However, the roof is made of ceramic shingles $($this fact Was unknown to Eero$).$ Eero has a very basic understanding of building construction and English. He was wanting to complete the form quickly, recent claims within the last $5$ years blank. Eero had mered. He left an answer to a question about years due to a flood.

Eight months into the insurance policy relating to the house, a massive storm caused a tree to fall through the building and it was deemed unliveable. Eero made a claim, but PAYFORU refused to payout on the insurance claim on the basis that Eero had misrepresented the building construction and failed to disclose a previous claim.

a$)$ With reference to applicable statutory and common law principles of insurance law, identify the legal issues. $(20$ marks$).$

b$)$ Can Eero legally challenge the refusal by PAYFORU to pay the insurance claim? $($consider insurance law only$)(5$ Marks$)$