Duties of the insurer found in property policy conditions include all of the following EXCEPT?

The duties of an insurer as outlined in property policy conditions are intended to establish clear expectations for both the insurer and the insured in the event of a claim or issue with the policy. Among these duties, the obligation to pay covered losses is fundamental; it highlights that the insurer must honor the claims made by the insured for losses defined under the policy.

Providing advance notice of cancellation is also a standard duty, ensuring that the insured is adequately informed of any potential issues with their coverage, allowing them the chance to find alternative insurance if necessary.

Returning any premiums to the insured is another responsibility that can arise under specific circumstances, such as when a policy is canceled before its term ends.

However, the duty to notify the insured in the event of financial difficulty is not typically found in standard property policy conditions. While it may be a good practice for insurers to keep their customers informed, there is no formal obligation within the scope of property insurance policies for insurers to alert insured parties about their financial conditions. Therefore, this duty does not align with the primary responsibilities outlined in property insurance policies.