A tornado went through Wichita Falls, Texas in April. Insured John Pruitt has an HO$-$B policy. He waits until January to file a claim for the roof that was ripped off his house. Mr$.$

Pruitt states that he simply didn$$t have time to get around to it$.$ Water damage is prevalent throughout the Interior of his home $$ drywall falling off the ceiling, mold everywhere.

A case could be made that the duties of the insured outlined in the $\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_$ provision of his policy were not adhered to$.$

extension

exception

exculpatory

conditions