Which of the following examples does NOT represent concealed or misrepresented material facts for a claim denial?

The example where the applicant inadvertently stated that the boat is five years old when it is actually six years old does not represent a concealed or misrepresented material fact for a claim denial because the discrepancy in age does not significantly impact the risk assumed by the insurer or the terms of the insurance contract. This situation illustrates an honest mistake rather than an intentional misrepresentation.

In contrast, failing to disclose a prior theft history, misrepresenting the usage of a vehicle, and providing false identity information are all actions that would significantly affect an insurer's assessment of risk and underwriting decisions. These examples involve factual omissions or dishonesty that could influence the insurer's willingness to provide coverage or the terms of that coverage, thus qualifying as concealed or misrepresented material facts.