A

In general, a standard or union mortgage clause provides coverage for the mortgagee even when the insured does something to invalidate the coverage for himself. This would include, but not be limited to, the insured disconnecting a required protective safeguard, such as a sprinkler system. However, coverage for the mortgagee could be voided if, for example, the mortgagee knew of the insured's action and failed to notify the insurer. In addition, the mortgagee could lose its protection if it knows of an increase in hazard and fails to notify the insurer. However, if the mortgagee is not aware—or could not be expected to be aware—of what the insured had done to void coverage, the mortgagee should retain coverage under the standard or union mortgage clause.