What are the instances when the defects in the notice or proof of loss are considered waived?

When the insurer:

1. Writes to the insured that he considers the policy null and void as the furnishing of notice or proof of loss would be useless;

2. Recognizes his liability to pay the claim; 3. Denies all liability under the policy

4. Joins in the proceedings for determining the amount of the loss by arbitration, making no objections on account of notice and preliminary proof; or

5. Makes Objection on any ground other than the formal defect in the preliminary proof.