Question: Quam owned a duplex apartment in Minneapolis that contained rental units. The property was condemned by the Minneapolis Department of Health for unsanitary living conditions. The house was destroyed by fire one day after it had been condemned. The two-story house was insured for fire loss with General Accident Insurance, which denied Quam's claim under the policy because of what it considered an increase in hazard by the insured based on the unsanitary conditions. Is this position correct? (Quam v. Gen. Acc. Ins. Co., of North Amer., 411 N.W.2d 270)