This does not appear to be the case with aircraft insurance.
Rather, it seems that every time you go up, you are warranteeing
(warranting?) that everything is in order. And if the insurance
company can prove that something was NOT in order, then
ba-bing! it will disclaim any responsibility.

Not so. Avemco says they won't do this, and others will have a hard job
disclaiming responsiblity based on something that didn't contribute to
the accident, at least in many states. Further, as I've asked before,
can you provide a cite of a real example to support your claim that
insurance companies behave this way?