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202505976 Certificates of all policies of physical damage insurance and all renewals thereof, together with proof of payment of premiums, shall be delivered to all mortgagees of suites or garages at least ten (10) days prior to expiration of the then current policies. The cost of such policies shall be a common expense. The Board of Administrators shall determine, at least annually, the replacement value of the condominium buildings and, in so doing, may employ such experts as the Board may feel necessary. Section 2. Provisions. All policies of physical damage insurance shall contain waivers of subrogation and waivers of any defense based on co-insurance or of invalidity arising from any acts of the insured and shall provide that such policies may not be cancelled or substantially modified without at least ten (10) days' prior written notice to all of the insureds, including mortgagees. Section 3. Insurance by Suite and Garage Owners. Suite and garage owners are encouraged to carry other insurance for their own benefit provided that all such policies shall contain waivers of subrogation, provided, further, that no suite and garage owner shall have the right to insure any of the common elements individually. Insurance coverage on furnishings and other items of each suite, personal or other property belonging to an owner and public liability coverage within each suite or garage shall be the sole and direct responsibility of the suite or garage owner thereof, and the Board of Administrators and the Association shall have no responsibility therefor. ARTICLE VII. MAINTENANCE AND ALTERATIONS Section 1. Maintenance. The suite owner shall have the obligation to maintain and keep in good repair the interior surfaces of walls, ceilings, and floors (including carpeting, tile, wallpaper, paint or other covering) as well as all fixtures, utilities, wiring, plumbing and appliances, located within such owner's suite. An owner shall not be responsible for repair to common elements by casualty, unless such casualty is due to the act or negligence of the owner, his/her guests, invitees or tenants. All common element maintenance, including lawn maintenance and snow removal, repairs and replacements to be general common elements, shall be made by the Association and be charged to all the suite or garage owners as a common expense, unless such maintenance, repair or replacement is necessitated by the negligence misuse or neglect of a suite or garage owner, in which case, such expense shall be charged to suite or garage owner. 13