Which statutory condition involves misrepresentation?

The correct choice is the option that refers to a false description of a property, as this directly relates to misrepresentation. Misrepresentation in an insurance context occurs when an insured party provides false or misleading information about a property, which can affect underwriting decisions, risk assessment, and ultimately the terms and pricing of the insurance policy.

In the case of a false description, the insurer relies on the accuracy of the information provided to evaluate the risk associated with the property. If the description is inaccurate, it could lead to a misjudgment regarding the potential risk exposure, potentially influencing both the decision to insure and the premium charged.

Other options such as claiming after a loss, failing to notify a change of address, or neglecting to disclose a claim history pertain to different aspects of insurance policy management and compliance, rather than directly involving the concept of misrepresentation in the same way as providing a false description does. These could concern timing, communication, or adherence to policy terms, but they do not encapsulate the essence of misrepresentation indicative of providing incorrect property information.