Complaint,Petition: Paul Rodriguez Plaintiff vs. Citizens Property Insurance Corporation Defendant

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                                Ee Case Number: CACE-19-021427 Division: 02
Filing # 97267822 E-Filed 10/15/2019 09:13:28 AM

IN THE CIRCUIT COURT IN AND FOR BROWARD COUNTY, FLORIDA

PAUL RODRIGUEZ, CASE NO.
Plaintiff,
VS.

CITIZENS PROPERTY INSURANCE
CORPORATION,

Defendant.

 

COMPLAINT FOR DAMAGES

COMES NOW Plaintiff, PAUL RODRIGUEZ, by and through the undersigned attorneys,
and hereby sue Defendant and alleges:

1, This is an action for damages in excess of $15,000.00.

2. Atall times material hereto, Plaintiff was and is a resident of the county of this court
and otherwise sui juris.

3. At all times material hereto, Defendant was and is an insurance corporation doing
and/or transacting business in the county of this court.

4, At all times material hereto, Defendant was and is authorized by the Florida
Department of Financial Services to issue property insurance policies in Florida.

5. Atall times material hereto, in consideration of premiums paid by Plaintiff, there was
in full force and effect certain insurance policy being Policy number 00903138 (hereafter called the
"Policy"). A copy of the policy is attached hereto as Exhibit "A."

6. Under the terms of the Policy, Defendant insured Plaintiff against certain losses to
Plaintiff's property located at 11365 N Point Drive, Hollywood, Florida 33026 (hereafter called the
“property”).

7. On or about 09-10-2017, while the Policy was in full force and effect, Plaintiff
suffered a covered loss; to wit: a hurricane causing direct physical loss to the property (hereafter the
“Joss”).

8. Defendant assigned claim number HEEEEEE33 to the loss.

9. Defendant acknowledged that the loss was caused by a covered event.

*** FILED: BROWARD COUNTY, FL BRENDA D. FORMAN, CLERK 10/15/2019 09:13:26 AM.****10. Defendant breached the insurance policy contract by failing to pay the full amount
of insurance benefits that were due and owing to Plaintiff.

11. As a direct and proximate result Defendant’s breach of the insurance policy
contract as aforedescribed, Plaintiff has sustained damages in the amount of the insurance
benefits that were and are due Plaintiff under the terms of the policy as a result of the loss.

12. All conditions precedent to the filing of this action have been met or have been
waived.

13. Plaintiff has been obligated to engage the undersigned attorneys for the
prosecution of this action and is entitled to a reasonable attorneys fee thereby pursuant to Fla.
Stat. §627.428 and/or §626.9373.

WHEREFORE Plaintiff sues Defendant for damages in excess of $15,000.00, plus
statutory interest, court costs and reasonable attorneys fees pursuant to Fla,. Stat., §627.428
and/or §626.9373.

PLAINTIFF DEMANDS A TRIAL BY JURY OF ALL ISSUES TRIABLE AS A

MATTER OF RIGHT BY A JURY.

DuBOFF LAW FIRM

ATTORNEYS FOR PLAINTIFF

680 N.E. 127 STREET

NortTH MIAMI, FLORIDA 33161

TELEPHONE (305) 899-0085

FAX No. (305) 899-0091

EMAIL: COURTDOCUMENT@DUBOFFLAWFIRM.COM

By: _/s KENNETH R. DUBOFF
KENNETH R. DUBOFF, EsQ.
FLA. BAR #218261

TT DUBOFFi
|
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Certified Policy Request;

 

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CATER PROPERTY INSURANCE:

Ge ERE

 

 

 

ITIZENS

Homeovmers HO-9 spacial Ferm Polley = Declarations

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ARFIDAVIT OF CUSTODIAN OF RECORDS
E550 send 90%, Pa Sut)

|, Areanni Walliams, am the Document Control Assistant of Records for Citizens
ropery Insurance Corporation (Ciizens) cad in such eapacity Ihave te euthority

2. Auached here it a copy af Citizens’ Policy No, 09903138 of policyholder
PAUL RODRIGUEZ

a ‘ole we ety Cnn efits

 

4. This ecard was made at or near he time ofthe at.
3, The ecards attached hereto ae exact duplicates ofthe orgiosl
‘Under ponalies of pejury {declare that [have read the foregoing ACTidavit andthe he

ft aed interne,
Areanni (ange

Willianns pear

 

 

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Homeowners HO-3 Special Form Policy -Dectarattons
POLICY PERIOD: FROM o7n00017 TO o7onIe

Prey Mumba OD3In138 3
S20 mtn Toe ae Lenn ate Rotaes Ponts

rt Raed ngurd: PAUL RODRIGUEZ

Forma and Endorsements appleable to this poltoy:
{av 0400296, CIT HOOT 17, IT 2407 0, IT 23 70.708, OT 048507 ¥7, HOOK BOK, CT 488717

 

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‘Yau propty coverage Baa hav been shed fer let

‘Yur pokey emu as eran $25, Othe mooreseat
Comzens = oa

Homeowners HO-3 Special Form Polley - Declarations
POUCY PERIOD: FROM canao\7 To omanste
122912 tna Teste ctr Ree ce

Paley Wombar ons8-3
‘Fl Named nue: PALL RODRIGUEZ

FLOOD COVERAGE IS NOT PROVIDED BY THIS POLICY.

THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE
FOR HURRICANE LOSSES, WHICH MAY RESULT
IN HIGH OUT-OF-POCKET EXPENSES TO YOU.

YOUR POLICY PROVIDES COVERAGE FOR A
CATASTROPHIC GROUND COVER COLLAPSE THAT
RESULTS IN THE PROPERTY BEING CONDEMNED AND:
UNINHABITABLE. OTHERWISE, YOUR POLICY DOES:
NOT PROVIDE COVERAGE FOR SINKHOLE LOSSES.
YOU MAY PURCHASE ADDITIONAL COVERAGE FOR
SINKHOLE LOS: FOR AN ADDITIONAL PREMIUM.

LAW AND ORDINANCE COVERAGE IS AN IMPORTANT
COVERAGE THAT YOU MAY WISH TO PURCHASE. YOU
MAY ALSO NEED TO CONSIDER THE PURCHASE OF
FLOOD INSURANCE FROM THE NATIONAL FLOOD
INSURANCE PROGRAM. WITHOUT THIS COVERAGE,
YOU MAY HAVE UNCOVERED LOSSES. PLEASE DISCUSS
THESE COVERAGES WITH YOUR INSURANCE AGENT,

 

   

 

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enon rarest cer
LG, CITIZENS ast

Homeawners 0.9 Special Form Poifey « Declarations.
POUCY PERIOG: FROM a7nOAOI7 TO o7ROROIB
‘2014. Senna aefonel Rbte Panon

Petey Nomar 0031883
Plat Hamed tard: PAUL RODRIGUEZ

iE INO COVERAGE
THAT BEGIN 72 HOURS AFTER WE ARE KOTIFIED OF THE LOSS, (2)
|e Tue OF vows mapecTION Us, On (2) THE TME OF OTNER APPRCNAL 8 UR, TOREDORT ALOSE OR
CLAM CALL oeeett2742

INFORMATION ABOUT YOUR POLICY WAY RE MADE AVAILABLE TO INDURANGE COMPANIES ANDIOR AGENTS TO ABEUET
{THEA ANOING OTHER AVAILABLE WS UAANCE MAROETS,

‘PLEASE CONTACT YOUR AGENT IF THEA ARE ANY QUEATIONG PERTAIMING TO YOUR POLICY, IF YOU ARK UNABLE TO
YOUR AGRE YOU MAY REACH CIZENB AT E28.98.1086.

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‘For our aetea’ everyday business purpoees— | No We dat share
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PRUPRT 1012cinzens
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Deer Palicyhald

Ordinance or Law coverage is an important caverage provided to help meet the
increased cass cured to rep replace damages buléngs in accordance
‘with ordinances or laws that regulate canstrucion, repair oF demotion, This
coverage is available at eilher 25% or 50% of the Coverage A Init of abil
shown in your policy Declarations.

 

 

 

Crdinance oF Law coverage in the amount of 25% of the Coverage A lit of
labilty may be included in your poliey al no addtional premiem. If you choose
(Cr have chosen) the 60% aplion, the additonal cavarage and premium wal be
rlactad in your plley Daclarations.

However, for those insureds wit a Ciizans Homeawmers & policy (Policy form
CIT HO-8), it you have chosen (or choose) actus! cesh value lass sotiomment
and Form GIT 04 81, Aciuat Cash Value And Exclusion of Ordinanca or Law, is
show in your palloy Declarations, Ordinance or Law Coverage isnot provided in
your policy.

ltyou wish to add or change Ondinance of Law coverage, you must request this
from your agent. Please note this addiion or change in caverage may only occur
atrenewal.

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“cmnzens

POLICYHOLDER NOTICE
IMPORTANT INFORMATION

‘Dear Poticyholder,

Tis ter of enaual coniin o saparaia deduce foc hucine loss end ¢
“separate deductble for all other pedi (ACP) losses, The huicane deductible

Gp" decacle you provcvsy selased are chown We ecoced Cel a@n
‘page(s) of this renewal offer.

Ctizens fers you the ccs of eavaralhuricane deduce anlone I your

 

ductibles, you may also choos
Eso fo Stn nas ha ih pron one

‘The ai other peris (AOP) deductible options you may choose are $500, $1,000
‘0 $2,500, but may nol exceed the huricane deductible you select,

‘Al of these deductible options may not be avaltabla dua to the policy éweling
limit (or personal property fmt, if applicable).

You may select diferent deducibies now or at any fulure renewal, If you have
suffered hurrieane loages in the currant calendar year, a request to reduce your
hurricane deductible wil nat be affective unl January 4 ofthe folowing year.

Amandla stole deduce may spay some ples and wb shown a
‘your Declarations, I applica

IF you have questions about these deductibles or want to change your
deductibles, contact yaur Clizens agent for assistance, The request to change
your deductibies must be raceived by Citizens prior to the renewal date of
your policy.

Conzens

Acknowledgement of Potential Surcharge and Assessment Liabilly
(We are requiad by law fo send you tis netic ta inform you about the poland for surcharges and
‘assazsmant (0 bo applied to your pokey.

1. ASAPOLICYHOLDER OF CITIZENS PROPERTY INSURANCE CORPORATION, | UNDERSTAND
{THAT F THE CORPORATION SUSTAINS A DEFICIT AS A REGULT OF HURRICANE LOSEES OR

FOR ANY OTHER REASON, HY POLICY COULD O& SUJECT TO SURCHARGES. WHICH WILL.
BE DUG AND PAYABLE UPON STION, OR TERMINATION 2
[AND THAT THE SURCHARGES COULD BE AS HIGH AS 45 PERCE ORR
DIFFERENT AMOUNT AS MPOSED BY THE FLORIDA LEGIGLATURE

2. TNBERSTANO TAT CAN AVOID THE CTIZENS POLICYHOLDER LRCHARGE, WHC, |

PERCENT OF MY PREMIUM. BY OBTANING COVERAGE |

PRIVATE WARKET NGURER AND THAT TOE ELIGRLE PORT COVERAGE OY Cilzehs, MUST

FIRST TRY TO OBTAIN PRIVATE MARKET COVERAGE BEFORE APPLYING FOR OR RENEWING

COVERAGE TH CUTZENS. UNDERSTAND THAT PRNATE MARKET INSURANCE RATES ARE

REGULATED AND APPROVED BY

‘3, IUNDERSTAND THAT MAY BE SUBJECT TO EMERGENCY ASSESSMENTS TO THE SAME
EXTENT AS POLICYHOLOERS OF OTHER INSURANCE COMPANIES, OA DIFFERENT AMOUNT
[AS INPOSED BY THE FLORIDA LEGISLATURE

4. 1ALS0 UNDERSTAND THAT CITIZENS PROPERTY INSURANCE CORPORATION 1S NOT
SUPPORTED BY THE FULL FAITH ANO CREDIT OF IVE STATE GF FLORA
‘More information regarding aseessments and sucharges is avilable under the Pollcyholder section
of ou webadie, wnnwctizenafe.com,
CCitzens Property Insurance Corporation
POLICYHOLDER ASSESSMENT EXAMPLE
‘Totlustate tha potential nisesement obigaton ofa Ctizane poleytlier compared ta a
‘pakcyholter Insured by a private Incurer, wo have prepared an arample based on an annwal
‘Framfum of $2,000, Your actual aseessman! amount wll vary besed on your annual pram,
‘Tha assesament wil be in advan (o tha premium you pey for Insurance coverege,

{your annua premium
‘Tier Potandl Ciara Polcjlda Gurchrge (ona Ue areenemant
A ot

“ler & Potal Regu Assesrrat (ane “ne arseesmant upto 2% of

‘Tor are ugd to dara te mule vas of asessment defnad by Forde Lav,
‘Assesument ara are triggered haued on the aaveriy af tha dai
‘Assesaments are based on the greater of the projected deftclt or the oor statewide
‘written premium forthe subject ines of husinass. The above example is
‘on the use of premium,

 

 

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Checklist of Coverage

Polley Type: Homeowners
(ndate Homeonners, Condominte Unk Ovners, Tenant's, Dweing, or Haile ome Oxcers}

 

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epuey.

‘Revieig te cect leper w our poy can bp you guna ter wane of yur poley acl coverages ae

 

‘Dwelling Structure Coverage (Place of Residence)

nit of rurmce: $211,600 oe atlren Bani eplecernsrt Cost__
us scoala ae Sin Vane

Other Structures Coverage (Detached trom Owellg)

Ce om Sedan Bote Replacement Com __

(Regence anh ig Sint Viton.
Persanal Property Coverage

‘Unit of rmrance: $82,900 Lov Setlement Basi: _ACwal Cash Valve __

Repent afta anh i Sad Vn.

 

 

 

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‘ORBY-1070 (1-06) aes

Notice of Premium Discounts for Hurricane Loss Mitigation

‘“** important Information ***
‘About Your Personal Residential insurance Policy

 

[BearHomecuner,

hurdcanaa nave caused on bons of dota sured derages and predation of
hunicanes making landfall in Florida have triggered increases in
rcurace preruns fo cover potent lure losses, Enclosed sermon regen
| wind foss mitigation that will maka your hame mora Zasistant to wind and help protect
|vour fary during a catastrophic event. In addition to reducing your hurricane wind
premium by installing milgation features, you may also reduce the Bkalhoad of out of
pocket expanses, such a8 your huricane deductible, you may otharwise incur ar a
[catastrophic aveni.

 

 

 

What factors are considered Ia establishing my premium?

‘Your location: The closer a home Is to the coast, the mora vulnerabie tis to damage
‘caused by hurricane winds. This makes the huricane-wind premium higher than for
‘lmilarhomes in other areas of the state,

 

‘Your salle: Your insurance policy Is divided into two premiums: one for damage caused
bby hurricane foree winds (huercane-wind) and ane forall ather damage (ail pes), such
‘as fre,

‘Your deductible: Under he law, you are alowed io choose a $500, 2%, 5% oF 10%
“eductbl, depending on the actus value af your home, The larger your deducibe, the
ower your husicaneswind premium, However it you select a higher deduce your out-
‘tipocket expanses i the event af ahuricane claim wil be higher.

‘The stale requires insurance companies to ofer discounts
‘or protecting your home against damage caused by hurricane winds, Securing yeur
‘ao! soit doasm blow off and protecting your windows from fying debris ara he two
‘ost cost affacve measures you cart take to safeguard your home and reduce your
‘hurricane wind pramlum. These discounts apply only to the hurieane-vied portion of
‘your palicy,

‘The costs of the improvamant projects vary, Homeowners should contact a foensed.
‘contractor for an estimate. You can find a Gerified Contractor in your area by visiting
the Florida Department of Business and Professional Regutetion online at

‘exw mutloidalcanse,com,

    

‘Youcmaximum discount Discounts are not calculated cumulatively. The total discount
is nat the sum of the individual discounts. instead, when one discauntis applied, other
lacounts are reduced until you raach yaur maxiewum discount of 32%.

 

(OFR-B1-1665 (Re 2/0} Adopted by Rue O90-17O.ISS 1

   

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raoaeT USD =

ot of naranen:_$100,000,

 

 

TaadiociPipmanta to Others Coverage
‘Yo etoanen: $2,000

 

 

 

(OR-81-1070 14-06) sera

How oan | take advantage of the discounts?

Homeowners will need a qusiifed inspector such as @ general, buiding, or residential
‘contractor licensed under Section 489.111, Florida Statutes, of a professional engineer
licansed under Section 471.015, Florida Statutes, who has passed the approprisio.
‘equivalency test ofthe Bulding Code training pragram as raquired by Section $83,041,
Florida Statutes, or a professional architect icansed under Saction 484.213, Flarda
‘Salutes, o a building code inspactorcertifed under Section 468.607, to inspect the
‘home to dently potentla mitgation measures and very Improvements, Fora sting of
indlviduals andlor inspection companies meeting these qualifications contact your
Insurance agent or insurance company.

 

 

 

‘The following ie an example of how much you ean reduce your insurance
premium if you have mitigating features on your home, The example Is based on
your hureicane-wind premium* of $332.00 which Is part of your total annwal
[premium of $2,658.00, Remember, the discounta shown onty apply to the

hunteane-wind portion of the premium and the discounts for the construction
‘techniques and features sted below are not cumulative,

“Wind mitigation oredits apply to that portlan of your pramium that covers
the peril of wind, whether or not a hurricane exists,

Homes built prior to the 2004 building code,

 

 

 

  

 

 

 

 

 

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* Estimate is bused on information currently on fie and the actusl amount may vary.

(mR-81-1855(Rewt2N0) Adoped ty Rul €20-170.0185

  

 

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‘ADOTIOWAL COVERAGES:

 

‘CITZENS PROPERTY INSURANCE CORPORATION (CITIZENS)

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‘Using “Toa Nails” ~ defined as ttvae nails ‘Premiven basher ral
driven at an angle through the rafter and inte. Gascription of Feature ‘Discount Fear he
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‘Aternataly and regerdioss of the year of construction, I'you meet the eninimmune ature
‘and construction caquirements of tha 200 Florida Bulting Code you have the option to

‘eduoe your huricane-wind de

ductible from N/A ta,.NIA.

you have further questions about tie construction techniques and festuras or other
‘construction techniques and features thal could result in & discount, please contact your
984-345-2600,

Tnguranee agent or the insurance company at

AR-B1-1085(Rew02/0) Adopod by Rule O20-170.0155,

 

 

CCHIZENS PROPERTY INGURANCE CORPORATION (CITZENS)

aeezottHOMEOWNERS
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CITIZENS HOMEOWNERS 3 - SPECIAL FORM

TABLE OF CONTENTS,

GENERAL
‘Agrenant :
‘Setnwens 1

‘SECTION - PROPERTY COVERAGES

if
fi

“
"

SECTION! PERILS INSURED AGAINST
A. Covmrages AS R
BL Coverage 8

 

‘SECTION I- EXCLUSIONS

 

or Decors
B.A, Ful nadaqate 0: Defectva
‘SECTION! -coNoTHONS:

A. iaurabioatcet And Lit of Lint
& ae Aone

 

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Paley Pad
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AX EethtlevemertArd Setionent 17 SECTION l-LIABILITY COVERAGES
& #
2 raweranee a A CowrameS—Panonaltcity 2%
28, Negi tH 8 Sovarage Fea Pears
Teme
C1 HOI07 17 Indes copped mata et nerince Saree Oo, In, Paget
ts pemiston
CITIZENS HOMEOWNERS 3 - SPECIAL FORM
soneenent 1, Fore upon of Ws eatin:
‘TaPok ad onan chown Popaty (ater mages
Semportin and by aeesance erode 7m
Pagsorepee i ida Smet sad or dared
4, That the statements in the Appiiation(s) sea your cany bee
: Hovava means a. tl
Oh onced ‘vehicle and

2 Thao Poy audi cane pee sh
colts representation

2 That Pole ambogen a ising
iemsen you sete Cham Soper hrence
Corporaten rating tis Poe.

esate neanca ured i Pa
‘um for te premiam aod complies

‘ppleablaprowions of Poy.

 

Veatous
rales
orig sch aide oR

Seda cao veel.
(9) Watwenit mesos @
ecgned to be popeted onan wale
Syn ong err cece eet
eta pertont tee
anne art” vetiet
Mutnedin9, soe ond
Parenter ane
© Gartside, bls
“Rostra meena dy har svar
hone ch beso

The tentang of ome dey care
war at

4, “catasbo over citlapea” means.
diy "hat ene a oe

‘4 Tha abrupt cofapee of round com,

‘CIT HO-207 47 tncidescopghted mata of Ineurance Services Oe na, Page tof34
‘wh pamieion|

‘SECTION #- EXCLUSIONS

‘A. Motor Vehicle Laity
Watareea

, Pereonal Watercan ny

D, Aveanuat

, Hover biny

F, Cowragee ar

@. Coverage E

#4 Coverage

‘SECTION I- ADDITIONAL, COVERAGES

A. Chimespenses

Feet ale Expenses

©. Onmage Te Property Of Oxhee

1. Lome attocemont

SECTION H-CoNDITIONS

{urot oF Laing

pyeeeees

ry

ae

gegeveggece

HOMEOWNERS
‘err HOOF 7

CHT HOST 17 Inches copyiyhted metal af Insurance Sencas Ot, Ie, Pageit
‘athe persion

 

1. “Fung means oF form of Kgs,
Tange means ony oe

1 Mohd or ako one
1 hy mest oi spr soa
ese Ey gk

fing yous or bacta tet we, eo oo a0
Canale tn a good ot product atnded for
eansurmpton.

2. “sured masa:
4 You and eet of pr Roehl whe

 

(0) vow rlateoe

‘or the cate of a

 

 

Thapar aner jambs, hr su
rods aed by you a eka

4c hg ine att
ae
wn ened ¥y goes 8
2 tal ag
0. dag poms sod bv ca
Sete este sta,
1 bnypotetapromio
(0 Not ened by anaceand
{2 ig. an we ora
oe,

2 Vacant land, otter than ten nd, owned
Ddyorrertadto an rswer,

 

 

se seg ne ee,
Seceaetneys meng "Saat oan ae te
See SEN Se ae
Sere in ante =
ay Tao er
crHse7o7 heirs a nis, Panta
irsorrwo.sa7 17

 

HOMEOWNERS
error
17, “Residence prmisas means:
1. Thane fay dating: o¢
‘That pat of any ofc tng,
where you caida ad whieh is shown a8 he
“ineatin of ReslgenesPramzey" tie

 

rose ‘becom unt fot
Serves. "saafty hazard
‘Setred wan the Floren Bulag Code,

as na
to the “prieary ‘mabors

ay srl salma’ that prevents
tote mambere
the oats and toreas

fo ha eta tt erase
‘Seaods on and one

‘Brotha nenna:
Ponda Suing Code or mew buldnge of
sr: oF

nse
fase ceed ain he Fonda og

a Sener al un an ay
tora of tho bulking casing “porary

cane
‘ane,
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‘moverneat erably a
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Sees
2 tnatrty oersitn
ata ere
Sea eon re ey
Sehiitiamerranaise
Heemevecscos
iether

nodes copyrighted mata of asurance Gardeas Ofice, ne. Page Sot 34
"wats pneeion|

 

 

 

 

Homeowners
oTHOSOT TT

8. Coverage B= Oter Suuctrn
‘Ween dar cer on i Ywsioce
oto fa santo ogc

os ses crac
iateg to = een ye,

2, Wed ntcoer
1 Lang ig ltd on wht oer
stocte ae eae

 

Arte Bat a ao, ete ak
© eon a tk en a on

 

€8H03.0717 —_tncuses copyled matat of lmurnce Serens On, Ins, Page tor
‘wh pamiaion| 7

Homzownens

emnosers?

1: $1,000 foros o slecrane appara (or
ihe covered pets except a wee Is
‘erat excudes to coverage), whit nor
‘pon a motor vende of kar motrted

‘Sacromie

whe wt
Ihr Upon moter veel or aher moet?
The e

 

‘niger Yshnnca ros’

moira eeaseraprored
uracaci cen

Animal, birds or ek,

“Motor vehsas" rat ther motorized land
conveyances, This includes:
{1 Teab equpment snd wecersares oF

12) Stecoonis apparatus thats designad to
be ak by se oft pov
fromthe alotreal eta:

Electron apparatus incites:

{e) Accangoris and artannse; or

(0) Tapas, vées, records, des or a
‘ei

 

sa ay crane apart

aac epopey eed)
ope iain or tpon a ance

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i cove we oop
o ies ri ghacon

Laeteant raise
(© tte in tonne
Stud
(0) Amased st cat cae on te
‘resitance panes o while bee
‘rom, oF 9

 

CIT HO-S07 17 tncudescoppighted material of narance Sarees Offs, ne, Page bot
wih fs persionHoMeoweRs
‘eit HOO? 17

® at hl etl a ae 4 To oa ya of Dat pa of 8
ff he Yesidenca prem once promises rented to obey

unneeded sch ta sod a a by you sy nga
i nat ttto bein Ee

(0 Goce of exert, dens or cdor

6 Ease a tapes, wires,
‘acats, dos aba cobra nod

 

nt a neo ita
Sle Ee Etcetera ae
mee |, Civil Authontty Prohibits Use

1 Get cot fidr ee et Ha cht atodty prot you tom usa of Ba

(Se proud 1 Adchtonal Coverage

Fanoral tore in Seezes. or
: ivan eof a "eatonce

 

arto ho wenden prises whore leg or property confened tn a
Feel not to be mwa cove the aan aide.

pense meer ‘Tie expance i nded Io he tt of
4 day necessary ncant a

iteured by ost atyornosanon can

Payment vl be for ho short te ragues
is

Raptr cage
1 yu paranarty teat,
‘ine raged

 

he honest
"ger eats ee
(Your ens) fate by to pert of
(irene)
(2) Your ened te pat et wnt
cet Snower Sick or
A nehiors tec led by ¢ Pet
fond gators
roe th ve) sarages eve
Sc.

 

(IT WO-307 17 Indes copyrighted materi of insurance Services Oflca, tra, Page ot34
"wth he pension
HoMeowners
‘or Hor 47
(2) Los retin rem tat or unautorizad 7. Lose Astossment
tee of 2 tind Uanalr card ead ft
franc of

tbe io oregied nan wast

 

Loreto an "uta caused by tanger
ove sy cacao ices propery, med gy ame
oa

Ste eos wl
an “hae rough goveiad by te Rely Hf onred By you,
0 eeeyeanen i goo eth cf counatet ‘atued oy 2 Ped eauvad Agstest under

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cuaney Sheek waves or amors before, ung &¢
1 Wado nat caver ure eta eed oar or fd
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i
j
i
f
ie
:
7

(9) By resident of yourhousehol; raw of tener at the tedence
2 prem ho hs en area remses,

tear: 4 We, at caer azenamane cares

01 fan ngeg nln wat gin yu oa cortration rare
ond concen under wich fe af propery over by any goverment

‘rch a sees. body
fron a safes of ts 4. Thelin of $0008 the mast wo vl pay
o 1h respect any ono Pot
Iharumber of

 

sentra
1 Soe
* Beacet gts te
1 arg a atu wise

to daand acumen debs
Sao Sovange = "Cothan, art clo

= ft i
fect te peguies

 

CIT HO.S0747 —_tnckdescopyghted matt of eursnca Sandors Coe, ne.
‘ws pmsion

 

 

‘The $500 its he most a payin
ne bee ragunans oto rama

2 Rent try Mess
"GSE Sage Ki df

a
ae
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fy
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Pape

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fre
428

4. Vancebim or Mateo mica or

ome

‘Wise poy up 08% on en fa
ine chy ro sen

 

a
i
z
i
i

 

3 Pam inured Agere

do not cover fea department. senico
charges, fg located within he
frie runlapally or protection


 

‘A solemn cin,  fenuned a
ina" esate sa onary ton

1s ar fons tom a

wa

  

cA HO.307 57 fncudencopyigtted mata of ewrance Srnec, ns, 0 ot
"wt paracon =

crHoso7 17
4. Ww pay cost of conduc any (2) Th agreed amount of aach Rem. te
‘adit cenferenoe cept wen You ost ‘and

UCappearata confoeace.

‘Tea conarence wll hen bo reached

  

br
(0) The actu cat penny youlncured
thts sana e confaranoe; an rt
(1 Aso pay ne medators tao tr the
farenedles conference.

e
a
a
é

jeer and the unpre
SES en reenter ey
Scots totipact ve domed pone.
Ssordoce wn tetas oie pty

 

2. A-senvew agreamant, Bis insumiace Is noes
‘er any amour recoveraa

under any auch

      
  

ed
‘a "Location of Reticence Premises”
‘our Daclaaions.

2. The to. apprelters wil suber
dterences 12" the ump A decision
Sorood to by any tow wi ate orc at
Balen.HOMEOWNERS
‘crrHo-say 7

23, Love we payed

2 ay ta cyt ne
‘Sedraach ten agrosmant

1s soon arn ose yur pelo,
a

 

(0) Thea an arya ore ot
Teen Seg of appa ed

© Treasionalomertuan os
«yin 0 aye at net ot a9

Inca recpened, or wupplemaial
Inmwrance cen For You, whore

 

‘SEGrION 1 CONDITIONS, C. Lone ‘espe, eplaeel repey
wee ‘Swarr of such ith, less re
£1 Wem of yet chin gan sales re

‘ton
a ctr fe

{ita ropa fle bin and
wn

 

Yeni pay anau
rearph Ce of ‘he toes Sesame

  

2 rang at at ot a
oes thal are provided under fxm

‘Wa wil pay you and the “Contractor” jolly,
ses dome che paren mane he

‘once for CHT 04 2 forthe lose

Sage, you have raat to 8 yur

ikon notes Stel we reed x amagenct pat
oto. tsconcrbed

ih paragraphs 1. ough 4,

i, Abandonment OfProperty
‘We raed sat accep any papery sbendoned by
‘ase

covered oss ar
of puaaraph aba, eval pay edt
Soe

Parogreph ond 1. stove do net apply te

Feplacarant of suing of eove'ed
‘lope tat ave prod under form CIT 4
aa

 

 

5 Gah pa lain and tL Having ane
Be asta sratratpa re te smn
Sts nar cransnc et “ uso Ts xo “metanee ane
‘ibe aitas on cipetrs unger hs Pley .
4. lamgnge it sand ai se
++ Loss Payment poonean cove hat iar.
1. Wa eect esa a ou, morgage anyon a etc apew.
2 Wav oer pron
"ho Polay oc haul ented 6
fecovepeyman
‘Syeu snd tae ean bane
GIT HOSOT #7 Induces copyedit esanceCanees Oem Inc, Page 22036
is erin
cu
‘Stnoaerst
Pokey ae baon i tcf 1 tsctraitr tr
treidae ne esynetaanyscamfnsoyyes soon resto
oe fee rd noon Selous togtotn Toro by 8
Seale pte Sera ictinbe tot
SECTION I~ LIABILITY COVERAGES: ce of *
A, Coverage E ~Parsonai Liability: a iy eed a va
ita came mad oe ste bowl saan an pert not pacng fy, any
‘irre Gaages because boty oy oF eeneges er erarzed te, speed
maga chive by an ecrurenoe 0 Scie ter competion,
Thi com epte, wwk (2) Rented ater,
4. Pay fue i Hoty oO damages 1) ind ay pone oot 8
Showed lg tebe
Damages Beansnare wrest anys pera exept
‘verti an nsec ane (8 ety ren
‘golfing ésclity,
2. WEsclon A. dvs rat apt rca 0
‘is or rower Wo may egal 94 oneal oc iyo
‘soto ery cigim Or suit thet we dada i soverage et ot C ian

omit dome asd ct

2 Located on rtdance puma’ and
‘beg soll santen fe rsizence,

© Geignedie abt hands

(1) Being used ta aesist a nanctcapped

 

ony.
1. To pomen onthe osu
lon of an "Mise ot

|
|

 

coors ot
‘Speer by an ate
4 acute yan anal ood orn

SECTION I= EXCLUSIONS

‘A: "Motor Velo abit”

4. Coverages EandF mater
‘nt Hany abate aa pace
Senuence ha obed

IT HO-307 17 ncudes copyrghed mata of lnsurance Sendoas Ofc, In Page 28 0f 34
‘th ts persion

 

  

 

2 Sigwaso mms

aye ny rami dace Poy
dom Pou eve nogteg pay ihe
emu 28

ft ane saya oot
day ates reconing tote Tom us
iyour abe te do to Patey conhons
Fabtag to Appraisal, Sut Agunat Us and

lose Payment opty ia a merigogee.
2. we aida to eaneal of not t rene thi

 

HOMEOWNERS
‘er no-so7 v7

menip ges oy mir emt
* ie Gad fa Pare year
Ege enemas
Elaine
oneaopee
osmeraaocretretates
Speers
eiivartoanee
ie agate
ast area a
aeneves peer erie
ounrrarermeeta ster
ot

trope

P, Voteanla Eruption Pettod
‘Qn or more vote arto nat occur Alaa
‘72 aur period wil be considered a8 one voeane
‘upton

€. Adjustnent ta Propatty Caverage Limite
your Pokey is 2 renewal with ut, We tent of
tubity for Covecagta AB, Cand O may be
ast.

ay haa he nk tab need above
represent, wre,

2 Recess emesg ete
Rrra eS
mee
nama
Srerrrtemnenan reo
smaateenmee
Suisse acm arty
ane roach
Scien {tot ereaas the cain amount
ete
pee
erent a
more
1 Reccermt
Soreater rect
Sreraerrave
bar
Tay cnn sett
smear ts
1 teenie

lechided Je material false statements;
Pets An ook 2 nat a
CA W007? tsp tment
vo saa

1B. "Weterera Llbaty*

1 Gowan an don pty ta
Sova nd, cael nay
“Seine nde
Operas oe eater
eerengad’ or “sabe Yon seat
Exo rona in
‘does nat epply to a teding vessel of
Proceed og ise,

 

be. Rermed tocther,
‘2. sede caryparsons cago fra charger

Used for any “basnase purpoee,
2. Wve RS doesnot apy, Sua to
seeaee cera by ul, tt

fie ofthe ocourence” tho walnere.

a letra:
2. baling assah win or wet auory
pow, thet

1) Lage an 26 teen overt ont of

o} Mare tea 60 area ad wot
au ‘owned by of eonied to an “insures,

 

‘This Pscy does not cover "hover iba.

Homeowners
‘ear HO-3G7 37
= Parson itty And Coverage
s ayiments To Others
ener spo ti
4. Rapected Or Intended ry

Sete ent

 

BS eating este eeny
aa or degre tan

a nets ame sated legeue

>, kesu arte, ty er

Fp ak htly ood tena,

 

or duty tendered prised, Owed, oF
ile a be vied beceuse te
ofthe "buses,
1 Th EvelisionF2. dows aot aot a:
(1 The rontl or holtg for rant of an
“asered eto

(e) On an occasional tase used oaty
residence,

{61 Inpar, as an ofa, sero, sti or
rate gage,

2, Proteational Services

cringe ot eo ae
peer sexes,

*

"Ypeurete" Premdces Mot An "anu
Location”

" or a ou
“Boaiyiy c*ropaty damage ain

1 Ouned by 0 Tasiser:
by, Rented to anhewer" oF

, Rertedto ater by an sure,
‘hatia not ar onued lacato’;

GIT HOSA7 17 Incades copyrighted maar f surance Seccet Oe, Ia, Page 28 0F 36
‘wi Rs permissionSr
sy pony sara cvs
Be a sesh Seg
ed sy Sseqvensa of any He
‘eve

1 Undacrad war, cal war, Inractan,
teballon er revetiton

a Ware act miltary forea et mileery
poreennat of

Dac, sz or ne fr 3 ny

uch rutin weap ib deus
‘vada ct even aoa

o. SonmntaneOuene"

“Beaty lor “ope dames’ wich
antes of of the wensmibsion of 8
ommuiaaba

  

"Body lr’ 0 “property damage’ sting
4 Qari fut ats at

5 tat natin ofp ht a ne

‘© Outot me shelton of pant hat has fea
ine

 

‘Out af ha ialaton of pant hat he ans
‘mpoundsin

cr noser 7

(2) Any actor omission in connection th a

 

Incas copyaet mata

Thal deal celta fo th ouch
(9 Ravana or tof a orred

 

of nsurance Serves Off, Ira, Page 27 ot 34
incon

Homeowners,

8090757

 

‘4 Boyt ay pany sale onan
erage

any bene vt
ie prowend by anastree andor any
44, Wore compensate |

nner "mapey see fr ih

sentra
Pate ened mtr mea ey
Tab pley seved by be:

4. “Baatyury tyou or a “asa dated
‘er Detain Lao

Tis exuson ste apis oan in mace
{sr suebrowg ape! yu an sate
2 Repay or

1 snae emague ste

noth person io maybe blgated to
‘trogos tocar of esl) tyr torah
Snowe &

1, “Boddy ajryor"propay damage caused vy
of atng out of any amal veer orn the
inary ects on yor poise of any a

1H, Coverage F—~ Medical Payments To Others

 

2, Ta any pean etghie to receve bonstts
lunar poaded Or requred taba provided
Under any
_& Ware compananton aw
bo, Nemoccupetiona dab rv ot

 

err hasan?

 

 

 

 

 

 

 

inane Sng ela fsa by Youloracaporndon or scoetan prope) igual oon een snr pond
“sha he teat The byany india any caring pod oss Tan 12
ica Isroncu-icouarretan ‘ordi eartog itt Deganng a
cote ay pod shu he Deda
(9) Tuvan epettin etn ieeaag oe UR OF AMY 7. Tha suo ia shoves witb des nat
SER” TTS eae. Gr tl aur ander Cove fr ceri Coverage ak flay
Sete, ‘bao water Sees «cpt ay ty Gongs
Gonerge ae sho te fey
Te cn 620 du et ‘Sropenonss ti eatstene scien not
(> ater ehc ae vad A “body hoy 20d “propery daraget Store taneve Ut Ot .
(0 deine or we ot Fshoin ins
pte . or
tonto n a
1 Attn scr “row evap ange
au byt oregon seed 2, Vicarious Parental Subiint Of ably i comintes AS. "Pong Wet Or Ory
Sa memeitoe nas ‘lege Pomp som on tty ft Yosi Orbs
psiorowge f
. Loss Ansestmat ‘aru
1. Wow pay upto 8.00 for our thar ooss
‘tense area apa a, eco
city eto md Gra conctoy That hi at
‘Stolatan' ef popeny unary aren oral agar of Be number of
Ca a spars ted.
4 *Pangh Wet Or Dry Rs, Yost Or Bacio
Sagesae Suen on
te Paes
SSB over Covorag € rine la
‘ama atsogScky ‘ Meeanoonintne
sian oe Bo a geo  Remmeniy abl nioraen 2 the
aes
Ingestion ot
Coc
Speco
‘Esler a
1 Putas ot

 

crrwosor 17

Ince coined mata of nerance Sandoas Ofc, Ie,
‘ni pasion

hag ty yas oc bac
‘loonie tan 0008
4 The kf Bey Ja 4. ebove apps
epost
2 Number of batons insures under the
ote

1, Numa f porns rod:
‘8 Numtar of partons whose property ie
‘erage

 

4, Number insured
‘6 Number of ccurances or cums made,

Page 200136

cm Hosors7

Include copyg ed mata al ewrance Banioas Oe, ne,
"We Rs pormusion

 

 

Ince rata sane Bardces Of, a,
err aied  aepemisson

A To any puson, other than
tan “insured, regulary cuisng
‘any pan of he "ered ietor

We caver the flowing la adetion te the Ska of
rebaty

A Claim Expenses
Wepay.

1. Expansas va incu and costs teed gel an

“Tntred a aoy nite dete,

 

8. Fit Ad Capertee
were gy eras on urd
a letter ly
Be Dotey: Ww nt pa rf tt 20
Sree
6. Damage fo Progeny OFM
1. Woon al apucman wpe 3000
ecafnc poet erage

be. Caused irony by an inated" whois
‘8 yaar af age cer
(0. To property ovmeddy an “nswed",

4. Te epg audy raid oa tna
ersthied eat or

gt
A e° angaged in by an
(4 Touiane™ engaged tn by

Page 28 of 4

 

 

‘Gin tn proct at
equa a seen css prctzal
1 Authorize us fo ebtsn copes of medal
ond recess,

 

recon aginst an

 

Sees a
prota

ie = ers
Pee rs

 

Page s0ot34. Coneesinant Or Fraud
Wie donot prove covraga tan "nur who,
Wetherbeare or afer alts har

4. anna concen ar miraprsenad any
‘war ft or creamatanom,

2, Enguged in tent conduc ot

23. Made atari fase stteanc

reat os ore

Nm Py haba es ee
‘hand daa wa maya anya en

tran nero on fa bao ted aman
‘onlin pe recor.

S€CTIONS | And CONDITIONS.
[A Uberateation Clause
Ue make @ change whieh aroaden
Under his aon

Homeowners

cr Hosar 1
‘i cactaton cts we dared ne
Inqured at the eating noerese shove fa the
Dectatona

ena tear

‘2 Wan you have not aid the prmun we
ayo dg ta

tamed eued hoy ak 1 878

‘ate te et canton

bait
{49} Toera as been armatrl mittatarnt

cra alte tothe cai

 

«year et area
enna et °
ot deg pe

 

whee unaged pap se
‘Sig the duration oft talon
i cantons creed Parga 02.
etl on we oy eto

ening a

anu ey nae bean atc fo 0
9 cancel nmedalty

 

 

0 eto cane a ne by tg
‘iatsumed iatred know at font 10
days bear te dot cancel
tea

 

Ietutes copyrighted mana of navrance Serves Ofes ne, Page tof 36

 

‘apa ofthe eng or other strate,

(4) Wa have pai pay ts,
Wo may de 20 by ttig ou ino st nat
1 dagt tree orton Se of

1b We salle onitadto cobect any a8stonal
‘remtim roquted to weep the Pokey Te
fect ung ti pared.

 

 

2 Worl ot noranew tis Paliy.

Ge at propey uray ce
i ae a oh

 

Seoacanes in
feeonmensatans” pon WA ey
fort op”

4 on nc of, posason
snennure He sede

CAT Wor 17 cite copylged mata oftauance Sauces flee Me, Page SNL 4

‘ah peiodon

   

HOMEOWNERS
fcrrnoser 1?

van 0 Pty as Bea fet
“ Y oven Syne ny canta

whan ts Pokey has besa in etet fo

(a) On bo bass of we

mon
‘te ae of ropany mura nama cimenpa eben

“ claims that ave the resul of an Act of ‘or ervnuntion “ingures™ ar
Soa tla cn donors, oY werd mantra wn sed:
Sion teaueey or emer et fa

(©) On Ine vast of cova formation

cpaeeeaaty mayest
Sete ee ae ae
Recieets si
“Soe ee SS Snom
a cas ce
Berrie EE oe nr een ee
maagtines oe cs
ee eam me

 

Sr
ae
pines «therm
Sera saa ae a
Somos oars Eocene
Nan 90 90 days after the date of 7
=
ae
Sh seme
amt

(9 Weg cin ohn

  

3 Aur
tr occurence of drage foe
insured propery.

CIT HO-3.07 17 fetes copyigted mata at reurance Garces Offs, Ine, Page az at 34
‘wih prminlon

‘6 On he bean of or information aia
npuble records.

Slee ebeunenes

1 Tra erate oof bi Plcy wl ck

so techn ‘until the end of the:
Sei S

1b, Wa sell ba ented to colect adaaionst
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wal aan
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This nace wil ba dobvared tothe fet somes
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IW MITNESS UnEREOF, cane Property
‘ecutad

tat Insurance Corporation Sas
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‘Chines Property lnurance Corpartion

(CT H0307 17 —_Incudes copyighted material of insurance Serdces Os ne, Page 34 af 34
"wi ts permissionnoMEouNeRS
"CHT 06 807 17

‘THIS ENOORSENENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY,
TOREPORT ALOSS OR GLAM CALL 868.41.

EMERGENCY WATER REMOVAL SERVICES
‘The sendoes dave intis"Endorseent aw un atour option andwih your conaentto roid a "Conacore

uno vil grove oecansury tessonsh

enay water removal vevens, ws dasetnad below, toll fo

‘merge
rotact your sovrad propery under Coverage A nd fram hth damage.

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Une ate lund in SECTION | CONDITIONS,

 

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AGRERHENT
‘Ta folvna is act:

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sade ‘Bioaied on the

     

‘The folowing apes:
4, The sentces proved under ts “Endorsement”
calito cry necessmyrastonabeavargency
aro dig tres ae Sly

roel prope tom oh amen

Wan sch rpeament cp ot bing
‘ecoetary, all omer provisions. of you
pny.

3. SECTION 4 — CONDITIONS, Condtion 1, Our
pana tT HOS est pay the serve
“= "Cenactar prowde under Wit

 

4 Your aeauce done not apny to the sevens

provided under thie “Enaoreamant.

6 Te -Endrsamen oot nt inene i ik of
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‘The fotovtog detnon i io regarding Ue services TERMINATION OF CONSENT
omseavyine Convecer unger Endorsement. yoy have consarted to partcgate in ths
"enor

 

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‘Our onion ana parcpae in the
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SECTION ANO I~ CONDTIONS
aca estate ase
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ofey does act cause of crane

DeFmTIONS.
‘The otoving dation is adéeé
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(om 048507 17 Indes cent mata of hsvrnce Saves Ofc In, of?
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‘crreuseor 7

‘THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
"TO REPORT ALOBS OR CLAM CAL 896.411.2742,

MANAGED REPAIR CONTRACTOR NETWORK PROGRAM

rogram dct nl “Enemas
“Councg unoadimaca ered

4 cur option and wih your contort o grovde a

ang and ovr strvtvas, cvared under Coverage A ot
Poley.

reps 0
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‘Yous Patey nas pei regtamarts abut ot sn evn of ee phyla odnge Werner
‘ich are fond SECTION | = CONDITIONS, Condon B. Dut Ae

hve concems reg Cont et ny gin oak, opcant oh
you ageing you

 

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vane ta cee your concen.

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1 pred yor, ocak ue Wt bua Cab Secret S06ARt CONTRACTOR NETWORK

1. The Progra wh cea ail eine of
overad love we or tha “Coatractr”
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2, Ragrdg covcad lat f damaye 10 wispy
covered under Coverage A of Coverage 8.
folowing apples:
4. parca i te Progra ey tis
*"Endefsemont you wel ter
nunc ah th canuaco fr h ‘apes,
feplacement or rebulog of the damaged
openly covered. under Sega ae
'B euded h tho estimate
ove ss ‘at we_ or he “ean”
‘love you uncer his "Endecsareat
b.Peymant under the eanicact ascribed i
paragrach 22, osove wil be made to the
[contactor ae dexerbed i SECTION 1
cotati "conaon i, Los Poyman for
that cert of rele ot
‘mages py or Cover
SrCoverage Bia stint envreg an
{ass any appcable deductibe,
3. Any diepute between you and us, tapering
tcoveraa lors bleh eludes 98 of
dima apy cn unr Conage Ac
Bie esata of corre ins wow
en ait a
I CondiridNs, Conaon Fe
Fledodaed seh elo ted
‘This Enderaamens does not cease te Umit of

  

 

 

 

 

 

5, Ts “Exdersament dose not inary maanar aker
or change tha ded pravaton in your Peay.

‘eludes conahiad mated of Insurance Sarees Ofa, he, Page tof
‘ath te permision

   

CONDITIONS,

ae ent HS ees
rector proven ue is "eoesemen

tore ie na_pmission or agcenment, the

Tendorsement™” dees nat apply aad all other

brovelane of your ptey spp.

202 mahidescopyghed mata ol asurance Secs Oe Ina, GIT 048807 17
= ‘at is preston

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Reel Ogg ps
tt ranudng of propery covered nda Colaage A ct
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1 Fay gun ta Endernmnt pat
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damages,

  

prebareaiy tha-‘Cenvedter nvexpencete the

SectIONt—conomons:
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wea ig, YOU oF
Tae folowing pacagraphs we odiedta Duties Atar eta fat give the her an appara
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‘Your ues under Condon B, Ous ARer Loss ig may be ted rlated to thle “Encore
GI HOS appt, weiner underis “Endorsement” ‘subject to paragraph | above,

   

8 doe ths “Endorsement rafeve You The folowing pragrapis ave added to Condon Our
tue of any dies an nar te ptm ATO renee te repak pecamant
ty added of Geoted m0 oy ebuldag of tnger Coverage A
“Endonemea? Cantoge Sader be Cacacent
Cotmala' alata ‘our sorgnt io satan the Progra vader

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“CONDITIONS, Conation LOM

 

‘bert insured eget. Conan , Love eterent
Baregraph G2;in CHT HO wl nol opy.

2013 Inches conylgbed mei of asurance Sarees Of, tne, CI 048407 17
Page:  onpined mata a‘coverd Tors fxs ar a

‘SECTION | AND W-=CONDITIONS.

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AE tare Is no genmnnlon or aarennant win Grate fe Bude GFT HO. In

“Endorseman does net apply snd al ot ‘vent il you we fesponsbte for paying eve

froslne of your paey apr ‘Gan one deduce ih any one fos
‘TERMINATION OF CONSENT.

 

‘om 040 07 17 Includes coppighted materia of Insurance Services Oa, na, Page sot3
‘wih ts partaion

HOMEOWNERS
‘GH 23 7007 08

‘THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

WINDSTORM EXTERIOR PAINT OR WATERPROOFING
EXCLUSION — SEACOAST - FLORIDA

A exclusion 2 Anica noo:

* Seti ined tray pao Han
the Maton! Honea Cent of he He
tena Wentar Seno,

1 Contes i tat oa tng oe hen
‘ondlons west anyone De

este ot
lose and

© te 72 howe ning te uncaton o
‘Ba fat humic aang

Waseda pct ene ty ta
Wear Save

 

 

ua fe Nabe

‘Aetna provisons ott pty apply.

11723700708 _ncuden copyrighted mater af euzenes Senéces Otc, Ina, Page tort
‘oth s parmision

HomEownERS
(erro ae2 8
‘THIS ENDORSEMENT DOES NOT CONSTITUTE A REDUCTION OF COVERAGE.
NQ SECTION Il - LIABILITY COVERAGES FOR
IE DAY CARE BUSINESS

He
LIMITED SECTION | - PROPERTY COVERAGES FOR
HOME DAY CARE BUSINESS

A "Bunions a dered te prey meaes:

   

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