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201495206
<br />200400023
<br />(b) The insurer waives its right to subrogation under the policy against any unit
<br />owner or member of his or her household;
<br />(c) No act or omission by any unit owner, unless acting within the scope of his
<br />or her authority on behalf of the Association, will void the policy or be a
<br />condition to recovery under the policy; and
<br />(d) If, at the time of a loss under the policy there is other insurance in the name
<br />of a unit owner covering the same risk covered by the policy, the
<br />Association's policy provides primary insurance.
<br />Section 3. Insurance by Unit Owners.
<br />Unit owners shall not be prohibited from carrying other insurance for his or her own benefit.
<br />Insurance coverage on furnishings and other items of personal property belonging to an owner and
<br />public liability coverage within each unit shall be the sole and direct responsibility of the unit owners
<br />thereof, and the Executive Board and the Association shall have no responsibility thereto.
<br />Section 4. Notice.
<br />An insurer that has issued the insurance policy pursuant to Section 1 shall issue certificates
<br />of insurance to the Association and, upon written request, to any unit owner, mortgagee or
<br />beneficiary under a deed of trust. The insurer issuing the policy shall not cancel or refuse to renew
<br />it until thirty (30) days after notice of the proposed cancellation or non - renewal has been mailed to
<br />the Association, each unit owner and each mortgagee or beneficiary under a deed of trust to whom
<br />a certificate of insurance has been issued at their respective last -known addresses.
<br />Section 1. Maintenance.
<br />Section 2. Alterations by Unit Owners.
<br />ARTICLE VII. MAINTENANCE AND ALTERATIONS
<br />The unit owner shall have the obligation to maintain and keep in good repair the interior
<br />surfaces of walls, ceilings, and floors (including carpeting, tile, wallpaper, paint or other covering)
<br />as well as all fixtures, utilities, wiring, plumbing and appliances, located within such owner's unit.
<br />An owner shall not be responsible for repair to common elements by casualty, unless such casualty
<br />is due to the act or negligence of the owner, his guests, invitees or tenants. All common element
<br />maintenance, insurance, maintenance of the entry gate system and security fence, including lawn
<br />maintenance and landscape care, snow removal, repairs and replacements to the general common
<br />elements, shall be made by the Association and be charged to all the unit owners as a common
<br />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
<br />owner. The costs of insurance may, at the discretion of the Association, be assessed in proportion
<br />to risk. An allocation of maintenance responsibilities is attached hereto as Exhibit "C" and
<br />incorporated herein by this reference. Any expenses related to Outlots A, B, and C, including
<br />maintenance, repairs, and replacement shall be considered common elements.
<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, shutters, etc.) without the prior written consent
<br />thereto of the Executive Board. The Executive Board shall have the obligation to answer any
<br />written request by a unit owner for approval of a proposed structural addition, alteration or
<br />improvement in such owner's unit within thirty (30) days after such request, and failure to do so
<br />within the stipulated time shall constitute a consent by the Executive Board to the proposed
<br />addition, alteration or improvement. Any application to any governmental authority for a permit to
<br />make an addition, alteration or improvement in or to any unit shall be executed by the Executive
<br />Board only, without, however, incurring any liability on the part of the Executive Board or any of
<br />them to any contractor, subcontractor or materialman on account of such addition, alteration or
<br />improvement, or to any person having any claim for injury to person or damage to property arising
<br />therefrom. The provisions of this Section 2 shall not apply to units owned by the Declarant until
<br />such units shall have been initially sold by the Declarant and paid for.
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