Finding flaws to void claim

TELLIT01

Sandtree said:

I have known insurers to use both methods - deduction of additional premium or apply averaging based on premiums (rather than the more typical limits).

Though in this case its hard to see how you could accidentally mistake wood for brick unless this is a bit of a misdirection and the OP stated they kept it in a garage when in reality it was kept in a shed and the insurers are arguing the difference between a garage and a shed is construction materials.

That could be very difficult to argue.  Our neighbour's garage is built of asbestos sheet, not brick but it's still most definitely a garage. 

Sandtree

It was only a supposition, we need to await the OP to clarify the details of the case,