Jorge Baro Suarez, et al Plaintiff vs. Citizens Property Insurance Corporation Defendant

A subsequent edition of this Policy; or

An amendatory endorsement.

Page 33 of 37

with its permissionB. Waiver Or Change Of Policy Provisions

A waiver or change of a provision of this Policy

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

an appraisal or examination will not waive any of

our rights.

. Cancellation

You may cancel this Policy at any time by

returning it to us or by letting us know in writing

of the date cancellation is to take effect.

If a state of emergency is declared by the

Governor and the Commissioner of Insurance

Regulation files an Emergency Order, and the

“residence premises" has been damaged as a

result of a hurricane or wind loss that is the

subject of the declared emergency, we may

cancel this Policy only for the following

reasons, with respect to the period beginning

from the date the state of emergency is

declared to the expiration of 90 days following

the repairs to the dwelling or other structure

located on the "residence premises", by letting

the first named insured know in writing of the

date cancellation takes effect.

This cancellation notice will be delivered to the

first named insured, mailed to the first named

insured at the mailing address shown in the

Declarations, or “electronically transmitted” to

the first named insured.

Proof of mailing or “electronic transmittal” is

sufficient proof of notice.

a. When you have not paid the premium, we

may cancel during this period by letting the

first named insured know at least 10 days

before the date cancellation takes effect.

b. If:

(1) There has been a material misstatement

or fraud related to the claim;

(2) We determine that an “insured” has

unreasonably caused a delay in the

repair of the dwelling or other structure;

or

(3) We have paid policy limits;

we may cancel during this period by letting

the first named insured know at least 45

days before the date cancellation takes

effect.

c. We shall be entitled to collect any additional

premium required to keep the Policy in

effect during this period.

However, this provision (C.2.c.) does not apply

if you have obtained replacement coverage

with respect to the damaged property, and the

coverage is in effect for a claim occurring

during the duration of the extension.

Causes of Action

COUNT I - BREACH OF CONTRACT.