24. An "increase in hazard" provision in many other property insurance policies stipulates that the insurer is not liable for loss occurring while the risk of a covered loss is substantially increased by any means that is within the insured's control or knowledge. In an NFIP policy, this provision is labeled oa. concealment or fraud and policy voidance. ob. conditions suspending or restricting insurance. OC. dangerous conditions caused by insured. Od. reduction and reformation of coverage