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The plaintiff paid a premium based upon the risk at the time
the policy was issued. Certainly it cannot be denied that the
placing of the firecrackers in the building insured increased
the risk. The plaintiff had not paid a premium based upon
the increased risk, neither had the defendant issued a policy
upon the theory of a different risk. The plaintiff was
enjoying, if his contention may be allowed may be allowed,
the benefits of an insurance policy upon one risk, whereas,
as a matter of fact, it was issued upon an entirely different
risk. The defendant had neither been paid nor had issues a
policy to cover the increased risk. An increase of risk which is
substantial and which is continued for a considerable period
of time, is a direct and certain injury to the insurer, and
changes the basis upon which the contract of insurance
rests.