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02002679 <br />ARTICLE 10 INSURANCE 50 <br />10.1 Scope of Coverage 50-51 <br />10.2 Certificates of Insurance 51 <br />10.3 Payment of Insurance Proceeds 51 <br />10.4 Repair and Replacement of Damaged or Destroyed Property 51-52 <br />ARTICLE 11 DISPUTE RESOLUTION 52 <br />11.1 Agreement to Resolve Certain Disputes without Litigation 52 <br />11.2 Notice of Claim 52-53 <br />11.3 Approval of Litigation 53 <br />11.4 Right to Enter, Inspect, Repair, and/or Replace 53 <br />11.5 Mediation 53-54 <br />11.6 Binding Arbitration 54-55 <br />11.7 Use of Funds 56 <br />ARTICLE 12 GENERAL PROVISIONS 56 <br />12.1 Enforcement 56-57 <br />12.2 Duration; Termination 57-58 <br />12.3 Amendments 58 <br />12.4 Condemnation of Common Area 58-59 <br />12.5 Interpretation 59 <br />12.6 Severability 59 <br />12.7 Change of Circumstances 59 <br />12.8 Laws, Ordinances, and Regulations 59-60 <br />12.9 References to this Declaration in Deeds 60 <br />12.10 Gender and Number 60 <br />12.11 Captions and Titles 60 <br />12.12 Certification 60 <br />ARTICLE 13 MISCELLANEOUS 60 <br />13.1 Protection of Mortgagees 60 <br />13.2 Compliance with Laws 61 <br />13.3 Restrictions on Subordinate Covenants, Maps, and PUDs 61 <br />13.4 Violations Constitute a Nuisance 61 <br />13.5 Notices 61 <br />ARTICLE 14 PROHIBITION OF EXEMPTION FROM PROPERTY TAXATION .... 61 <br />14.1 Funding of Development Costs 61-62 <br />14.2 Waiver of Exemption Rights 62 <br />EXHIBIT A DESIGN REVIEW COMMITTEE SUBMITTAL INSTRUCTIONS 63 <br />Page 6 of 52 <br />