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<br />200401071 .200210181 200109184
<br />(a) Each unit owner is an insured person under the policy
<br />with respect to liability arising out of his or her
<br />interest in the common elements or membership in the
<br />Association;
<br />(b) The insurer waives its right to subrogation under the
<br />policy against any unit owner or member of his or her
<br />household;
<br />(c) No act or, omission by any unit owner, unless acting
<br />within the scope of his or her authority on behalf of the
<br />Association, will void the policy or be a condition to
<br />recovery under the policy; and
<br />(d) If, at the time of a loss under the policy there is other
<br />insurance in the name of a unit owner covering the same
<br />risk covered by the policy, the Association's policy
<br />provides primary insurance.
<br />Section 3.' Insurance by Unit Owners..
<br />Unit owners shall not be prohibited from carrying other insurance for
<br />his or her own benefit. Insurance coverage on furnishings and other items
<br />of personal property belonging to an owner and public liability coverage
<br />within each unit shall be the sole and direct responsibility of the unit
<br />owners thereof, and the Executive Board and the Association shall have no
<br />responsibility thereto.
<br />Section 4. Notice
<br />An insurer that has issued the insurance policy pursuant to Section
<br />1 shall issue certificates of insurance to the Association and, upon
<br />written request, to any unit owner, mortgagee or beneficiary under a deed
<br />of trust. The insurer issuing the policy shall not cancel' or refuse to
<br />renew it until thirty (30) days after notice of the proposed cancellation
<br />or non - renewal has been mailed to the Association, each unit owner and each
<br />mortgagee or beneficiary under a deed, of trust to whom a certificate of
<br />insurance has been issued at their respective last -known addresses.
<br />ARTICLE VII. MAINTENANCE AND ALTERATIONS
<br />Section 1. Maintenance. .
<br />The unit owner' shall have the obligation to maintain and keep in good
<br />repair the interior surfaces of walls, ceilings, and floors (including
<br />carpeting, tile, wallpaper, paint or .other covering) as well as all
<br />fixtures, utilities, wiring, plumbing and appliances, located within such
<br />owner's unit. An owner shall not be responsible for repair to common
<br />elements by casualty, unless such casualty is due to the act or negligence
<br />of the owner, his guests, invitees or tenants. All common element
<br />maintenance, insurance, including lawn maintenance and snow removal,
<br />repairs and replacements to the general common elements, shall be made by
<br />the Association and be charged to all the unit owners as a common expense,
<br />unless such maintenance, repair or replacement is necessitated by the
<br />negligence, misuse or neglect of a unit owner, in which case, such expense
<br />shall be charged to such unit owner. The costs of insurance may, at the
<br />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
<br />improvement in or to his unit, or the limited common elements pertaining
<br />thereto, including-any exterior painting or exterior alteration or addition
<br />(including ' awnings, grills, etc.) without-the prior written consent thereto
<br />of the Executive Board. The Executive Board shall have the obligation to
<br />answer any written request by a unit owner for approval of a proposed
<br />structural addition, alteration or'improvement in such owner's unit within
<br />thirty (30) days after such request, and failure to do so within the
<br />stipulated time shall constitute a consent by the Executive Board to the
<br />proposed addition, alteration or improvement. Any application to any
<br />governmental authority for a permit to make an addition, alteration or
<br />improvement in or to any unit shall be executed by the Executive Board
<br />only, without, however,, incurring I any liability on the part of the
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