Section 881.104 - Certificate or Policy and Application; Representations in Application(a) An application for a certificate or policy may not be used as a defense against a claim or loss under the certificate or policy unless a copy of the application is attached to the certificate or policy.(b) A misrepresentation in an application for a certificate or policy may not be used as a defense against a claim or loss under the certificate or policy unless it is shown that the misrepresentation is material to the risk assumed.Added by Acts 2001, 77th Leg., ch. 1419, Sec. 1, eff. 6/1/2003.