Oscar Diaz Plaintiff vs. Universal Property & Casualty Insurance Company Defendant

we

can

demonstrate

that

the

1.

A subsequentedition of this policy; or

"insured" has failed to take action

2.

An amendatory endorsement.

reasonably requested by

us

to

prevent a future similar occurrence of

B.

Waiver Or Change Of Policy Provisions

damage to the insured property; or

A waiver or change of a provision of this policy

(3) On the basis of the lawful use,

must be in writing by us to be valid. Our request

possession, or ownership of a firearm

for an appraisal or examinationwill not waive any

or

ammunition

of

by an "insured" or

our rights.

household member of an "insured".

C.

Cancellation

Except as provided in Item C.2. or C.3.a.

1.

You may cancel this policy at any time, for

above, we will let you know of our action

any reason, by giving us advance written

at

least

20

days before the date

notice of the future cancellation effective

cancellation takes effect.

date.

c.

When this policy has been in effect for

2.

When this policy has been in effect for 90

more than 90 days, we may cancel:

days or less, we may cancel immediately if

(1) If

there

has

been

a

material

there has been a material misstatement or

misstatement;

misrepresentation or failure to comply with

underwriting requirements.

(2) If the risk has changed substantially

since the policywas issued;

3.

We may also cancel this policy subject to the

following provisions. A written cancellation

(3) In the event of failure to comply,

notice, together with the specific reasons for

within 90 days after the effective date

cancellation, will be delivered to you, or

of

coverage,

with

underwriting

mailed to you at your mailing address shown

requirements established

by

us

in the Declarations.

before the effective date of coverage;

Proof of mailing will be sufficient proof of

(4) If the cancellation is for all "insureds"

notice.

under policies of this type for a given

class of "insureds";

a.

When you have not paid the premium,

we may cancel at any time by letting you

(5) On the basis of property insurance

know at least 10 days before the date

claims that are the result of an Act of

cancellation takes effect.

God,

if we

can

demonstrate,

by

claims

However, when

frequency or otherwise, that

a

(mortgage company)

the "insured" has failed to take action

lender is

responsible for paying the

reasonably necessary as requested

premium through an escrow account and

the premium payment is not more than

by us to prevent recurrence of

damage to the insured property; or

90 days overdue we will reinstate the

insurance policy, retroactive to the date

(6) On the basis of a single claim which

of

cancellation.

The

lender

shall

is the result of water damage if we

reimburse the "insured" for any penalty

can demonstrate that the "insured"

has failed to take action reasonably

Causes of Action

COUNT II DECLARATORY RELIEF