The Due Diligence Clause: What Your Insurance Really Expects From You

When you signed your home insurance policy, you probably focused on the coverage amounts and the monthly premium. Fair enough. But hidden in the fine print is a little line with big consequences: the Due Diligence Clause.

In plain English, this clause says it’s your responsibility as a homeowner to keep your property in good shape and to report damage right away. Insurance companies add it to protect their investment and to prevent costs from spiraling. That may sound reasonable - until you see how it plays out.

Here’s the scenario: three years ago a storm rolled through and tore up part of a roof. The homeowner noticed but figured it wasn’t too bad. Fast forward to today, the roof gives out, water damage spreads, and finally the homeowner calls the insurance company. The response? Claim denied. Why? Because the damage was considered old, and the homeowner didn’t act in accordance with the Due Diligence Clause.

It’s a harsh reality, but an avoidable one. The best way to stay on the right side of your policy is simple: be proactive. Get your roof system inspected regularly by a reputable company. Small issues spotted early can be repaired quickly and inexpensively. Left alone, they can grow into the kind of costly damage that your insurer won’t touch.

At Churchill USA, we believe homeowners deserve clarity, not surprises. Insurance should give you peace of mind - and that starts with knowing what’s expected of you. A quick inspection today can save you frustration, money, and headaches down the road.

Don’t wait until your roof makes the call for you. Protect your home. Protect your coverage. Schedule a roof inspection and keep your Due Diligence in check.