In Longobardi v. Chubb Ins. Co. of New Jersey, 121 N.J. 530, 582 A.2d 1257 (1990), the Supreme Court of New Jersey held that an insurance carrier, such as Liberty Mutual Insurance Company, can void an insured's coverage for a loss if the insured knowingly misrepresents a single material fact to the company during the course of its post-loss investigation. Id. at 543-44, 582 A.2d 1257. The Court found that for an insurer to void a policy because of a post-loss misrepresentation, the misrepresentation must be "knowing and material." Id. at 540, 582 A.2d 1257.