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200314908 (a) Each unit owner is an insured person under the policy with respect to liability arising out of his or her interest in the common elements or membership in the Association; (b) The insurer waives its right to subrogation under the policy against any unit owner or member of his or her household; (c) No act or omission by any unit owner, unless acting within the scope of his or her authority on behalf of the Association, will void the policy or be a condition to recovery under the policy; and (d) If, at the time of a loss under the policy there is other insurance in the name of a unit owner covering the same risk covered by the policy, the Association's policy provides primary insurance. Section 3. Insurance by Unit Owners. Unit owners shall not be prohibited from carrying other insurance for his or her own benefit. Insurance coverage on furnishings and other items of personal property belonging to an owner and public liability coverage within each unit shall be the sole and direct responsibility of the unit owners thereof, and the Executive Board and the Association shall have no responsibility thereto. In the event that the unit owner deems the coverage carried by the Association insufficient for their respective unit, they may obtain the additional coverage amount and be billed accordingly, separately from the Association. Section 4. Notice. An insurer that has issued the insurance policy pursuant to Section 1 shall issue certificates of insurance to the Association and, upon written request, to any unit owner, mortgagee or beneficiary under a deed of trust. The insurer issuing the policy shall not cancel or refuse to renew it until thirty (30) days after notice of the proposed cancellation or non - renewal has been mailed to the Association, each unit owner and each mortgagee or beneficiary under a deed of trust to whom a certificate of insurance has been issued at their respective last -known addresses. ARTICLE VII. MAINTENANCE AND ALTERATIONS Section 1. Maintenance. The unit owner will 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 unit. 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 guests, invitees or tenants. All common element maintenance, insurance, including lawn maintenance and snow removal, repairs and replacements to the general common elements, shall be made by the Association and be charged to all the unit owners as a common expense, unless such maintenance, repair or replacement is necessitated by the negligence, misuse or neglect of a unit owner, in which case, such expense shall be charged to such unit owner. The costs of insurance may, at the discretion of the Association, be assessed in proportion to risk. 12