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liability coverage within each unit shall be the sole and direct responsibility of the unit owners thereof, and
<br />the Executive Board and the Association shall have no responsibility thereto. In the event that the unit owner
<br />deems the coverage carried by the Association insufficient for their respective unit, they may obtain the
<br />additional coverage amount and be billed accordingly, separately from the Association. It is the
<br />responsibility of each unit owner to verify that the coverage involving their unit is adequate as the individual
<br />unit owners deems.
<br />Section 4. Notice.
<br />An insurer that has issued the insurance policy pursuant to Section 1 shall issue certificates of
<br />insurance to the Association and, upon written request, to any unit owner, mortgagee or beneficiary under
<br />a deed of trust. The insurer issuing the policy shall not cancel or refuse to renew it until sixty (60) days after
<br />notice of the proposed cancellation or non - renewal has been mailed to the Association, each unit owner and
<br />each mortgagee or beneficiary under a deed of trust to whom a certificate of insurance has been issued at
<br />their respective last -known addresses.
<br />Section 1. Maintenance.
<br />ARTICLE VII. MAINTENANCE AND ALTERATIONS
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<br />The unit owner will maintain and keep in good repair the interior surfaces of walls, ceilings,
<br />and floors (including carpeting, tile, wallpaper, paint or other covering) as well as all fixtures,
<br />utilities, wiring, plumbing and appliances, located within such owner's unit. An owner shall not be
<br />responsible for repair to common elements by casualty, unless such casualty is due to the act or
<br />negligence of the owner, his guests, invitees or tenants. All common element maintenance,
<br />insurance, including lawn maintenance and snow removal, repairs and replacements to the general
<br />common elements, shall be made by the Association and be charged to all the unit owners as a
<br />common expense, unless such maintenance, repair or replacement is necessitated by the negligence,
<br />misuse or neglect of a unit owner, in which case, such expense shall be charged to such unit owner.
<br />The costs of insurance may, at the discretion of the Association, be assessed in proportion to risk.
<br />Section 2. Alterations by Unit Owners.
<br />No unit owner shall make any structural addition, alteration or improvement in or to his unit,
<br />or the limited common elements pertaining thereto, including any exterior painting or exterior
<br />alteration or addition (including awnings, grills, etc.) without the prior written consent thereto of the
<br />Executive Board. The Executive Board shall have the obligation to answer any written request by
<br />a unit owner for approval of a proposed structural addition, alteration or improvement in such
<br />owner's unit within thirty (30) days after such request, and failure to do so within the stipulated time
<br />shall constitute a consent by the Executive Board to the proposed addition, alteration or
<br />improvement. Any application to any governmental authority for a permit to make an addition,
<br />alteration or improvement in or to any unit shall be executed by the Executive Board only, without,
<br />however, incurring any liability on the part of the Executive Board or any of them to any contractor,
<br />subcontractor or materialman on account of such addition, alteration or improvement, or to any
<br />person having any claim for injury to person or damage to property arising therefrom. The
<br />provisions of this Section 2 shall not apply to units owned by the Declarant until such units shall
<br />have been initially sold by the Declarant and paid for.
<br />Section 3. Alterations or Enlargement of Common Elements by Association.
<br />There shall be no enlargement of the common elements nor addition thereto if such
<br />enlargement or addition shall cost more than Five Thousand Dollars ($5,000.00) during any single
<br />fiscal year, unless and until such a proposal is approved in writing by owners holding at least
<br />seventy -five percent (75 %) of the members of the Association.
<br />Section 1. Use Restrictions.
<br />ARTICLE VIII. RESTRICTIONS AND RESERVATIONS
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