PERMFILE113020

• Permit No: C1992080
• IBM Index Class Name: Permit File
• Doc Date: 12/11/2001
• Section_Exhibit Name: APPENDIX 3-3 CERT OF INSURANCE
• Media Type: D
• Archive: No

BASIC CONDITIONS
SECTION 1V
1 Concealment, This entire Dol icy shall be void 1f, whether
2 fraud. before or after a loss, the Insured hex rfl-
3 fully concealed or misrepresented any ma-
erial fact or circumstance concerning this insurance, or the
bject thereof, or the Interest of the insured therein, or 1n
case of any fraud or (else steering by the insured relating
7 thereto.
8 Excepted This policy shell nqt cover accounts, money,
9 property. currency, securities, deeds, or evidences of
10 debt; nor, unless specifically named hereon,
11 cloth ernings, records and books of records (except for their
12 physical value in ble nk), manuscripts, bullion, animeis, motor
13 vehicles, or eircre ft.
14 Hezerds not This Company shell not be liable for loss
15 included. by fire or other Perils Insured egatnst to
16 this policy caused, directly or Indirectly,
17 by: (e) enemy attack by armed forces, including action taken
18 by military, navel, or air forces in resisting an actual or an
19 tmmedlatley impending enemy attack; (b) lnvasi on; (c) 1n-
20 surrectton; (d) rebellion; (e) revolution; (f) ctv11 rev; (g)
21 usurped power; (h) order of any civSl authority except acts
22 of destruction et the time of end for the purpose of pre-
23 venting the spread of fire, provided that such fire did not
24 originate from any of the hazards excluded by th15 policy;
25 (1)neglect of the Insuretl to use all reasonable means to save
26 and preserve the property et and after a loss, or then the
21 property is endangered by fire in neighboring premises; (j)
2B nor shell this Company be liable for loss by theft;(k) nor for
29 any electrical injury or disturbances to electrical eppl fiances
30 devices, or wiring resulting from artificial causes.
31 Condi Lions Unless otherwise provided in writing added
32 suspending or hereto, this Company shell not be 7Sable
33 restrlcttng for loss occurring (a, b, and c applicable
34 Insurance. only to Coverage F-F1 rc):
35 (e) rhile the hazard 1s increased by any
36 means rithln the knorledge and control of the Insured, pro-
vrded such Increase 1n hazard 1s not usual and tncldentel to
ccupancy es hereon tlescrt betl; or
b)rh11e a described building, whether Intended for occupancy
40 by other or tenant, is vacant beyond a period of sixty con-
41 secutive days; or
42 (c)es n result of explosion or riot, unless fire ensue end in
43 that event for loss by fire only; or
44 (d) folloring a change in ornership of the insured proD-
45 arty; or
46 (e)rhile any other stipulation or condition of this policy is
47 being violated.
48 Changes or Changes to this policy may be made end
49 additions. Perils atlded hereon only by rritten en-
50 dorsement properly executed by en author-
51 fixed agent of this Company end attached hereto; but no pro-
52 vision may be raived except such es by The terms of this
53 policy is subject to change.
54 Cancellation The Insured may cancel this policy by no-
55 of policy. lice to this Company; upon surrender of
56 the policy this Company shall refund the
57 short rate unearned paid premium. This Company may cancel
58 this pclicy by giving the Insured thirty days rritten notice,
59 except in the event tantelletion is for non-payment of premium
60 end then this Company may cancel this polity by giving the in-
60A su red fourteen days written notice; such notice shall state
that the
608 pro rate unearned paid premium, if not tendered, will be
refunded
60C on demand.
61 Pro rata This Company shall not be liable for e
62 liability. greater proportion of any loss than the
63 amount hereby insured shall bear to the
64 whole insurance Covering the property egatnst the Peril in-
65 volved, rhether collectible or not; except if any article or
66 piece of personal Droperty, covered hereunder by a general
Lem (i. r.,one covering save ral articles), is insured specifi-
lly (without en excess provision) under this, or any other
alicy, then such general Item shell epPly es excess over the
JO specific insurance end Dey only for any eciual loss sustained
)1 over the amount of specific insurance.
72 Requlr~nts 1n The Insured shell give immediate notice to
)3 ense loss occurs. this Company of any loss, protect the prop-
74 arty from further damage, separate the dam-
15 aged and undamaged personal property, end furnish a com-
76 plate inventory of ell property insured by this policy shoring
77 in detail ell costs. The Insured, as often es may be rcesonehly
7B required, shell exhibit to any person designated by this [om-
79 pony ell that remains of any property herein described, and
BO submit to exeminetlons under oath by any person nerved by
B1 this Company, end subscribe the seine; end, as often es may
B2 be reasonably required, shell produce for examfnetion e11 books
B3 of account, bills, invoices, and other vouchers, or certified
B4 copies thereof if originals be lost,et such reasonable time and
BS place es may be designated by this Company or its reDresente-
B6 Live, and shall Dermlt extracts end copies thereof to be made.
B7 Vithin ninety-one tlays after the loss, unless such time is
88 extended 1n rri Ling, the Insured shall render to this Company
69 a proof of loss signed end sworn to by the Insured. Such proof
90 of loss shell reveal to the best knorledge and belief of the
91 Insured the folloring: the time end cause of the loss; the in-
92 rarest of the Insured end ell others in the Droperty,tncluding
93 any eneumbrences thereon; e11 contracts of insurance, whether
94 valid or not, covering such property; the actual cosh value of
95 each item of property end the amount of loss thereto; end by
96 rhom and for that purposes the building res occupied et the
97 time of loss. No provision, stipulation, or forfeiture of th15
9B policy shall be waived by any requirement, act, or proceeding
99 of this Company relating to investigation, appraisal, or ed-
]00 justnrent of any loss.
101 Appraisal. In the case the Insuretl and this Company shall
102 fail to agree es to the actual cash value of
103 the amount of loss, then, on the written demand of either,
104 each shall select a competent and 01s1nterested appraiser and
105 notify the other of the appraiser selected within twenty days
1D6 of such denand. The appraisers shell first select a competent
107 and disinterested umpire; end failing for fifteen days to agree
lOB upon such umpire, then, on request of the Insured or this
109 Company, such umpire shell be selected Dy a judge of a dis-
130 trt ct court of a jud 1c1e1 district where the loss occurred. The
111 appraisers shell then eDP*eise the loss, stating sepe rarely
112 actual cash value end loss to each item; end, failing to agree,
113 shell submit their differences only to the umpire. An ererd in
119 rriting, so itemized, of any two then filed with this Company,
115 shell determine the amount of actual cash value end loss. Each
116 appraiser shall be paid by the party selecting him and the
117 expenses of appraisal and umpire shall be paid by the parties
118 equally.
119 Company's It shell be optional with this Company to
120 options. take ell, or any part, of the property et the
121 agreed or appraised value, end also to re-
122 pair, rebuild, or replete the property destroyed or damaged
123 rith other of like kind and quality within a reasonable time,
124 on giving notice of its intention so to do within thirty days
125 after the receipt of the proof of loss herein required.
126 Abandonment. There can be no ebendonment to this Com-
127 pony of any property.
12B Vhen loss The amount of loss for which this Com-
129 peyehl e, pony may be liable shall be payable sixty
33D days after proof of loss, as herein provided,
131 15 received by this Company and ascertainment of the loss is
132 made either by agreement between the Insured and this Com-
133 pony expressed in rriting or by the filing rith this Company
134 of an era rd as herein provided.
135 Sutt. No suit or action on this policy for the
136 recovery of any claim shell De susteinaDle
131 to any court of lar or equity unless ell the requirements of
13B this policy shall have been complied with, and unless com-
139 menced within tro years and one day next after cause of
140 action accrues.
141 Subrogation. This Company may require from the In-
142 su retl es assignment of all right of retov-
143 ery against any pn rty for loss to the extent that payment
144 therefor is made by this Company. The Insured may not, ex-
145 cept it be in rriting executed prior to the loss, reive his
right
146 of recovery from any Derry.