When the health inspector walked through the front door of the 4,500-square-foot restaurant in Belleville, Ontario, on a Tuesday morning in March 2024, the owner had no reason to anticipate that the next 72 hours would determine the fate of an $850,000 property coverage and a $300,000 business interruption coverage claim. The inspection had been routine in appearance, but within 2 hours the inspector had identified a refrigeration failure that compromised the cold chain for the establishment's entire protein inventory. By 11:30 AM, the inspector had issued a closure order under the Health Protection and Promotion Act, requiring the restaurant to cease operations immediately and prohibiting reopening until the equipment deficiency was remedied and a reinspection confirmed compliance. For a restaurant owner operating under an 11-year commercial lease, watching the inspector affix the closure notice to the front window, the instinct was to act immediately — to call a restoration contractor, to dispose of spoiled inventory before it became a health hazard, to begin repairs so the doors could reopen. That instinct, however reasonable from an operational standpoint, runs directly into the contractual architecture of commercial insurance policies, where the obligation to provide timely notice to the insurer is not merely administrative but a condition precedent that can determine whether coverage responds at all.