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r~,~„~ 84 --~ ~~~,0586 erection ~ 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 Owners. Suite owners shall not be prohibited from carrying other insurance for their own benefit provided that all such policies shall contain waivers of subrogation, provided, further, that no suite owner shall have the right to insure any of the common elements individually. Insurance coverage on furnishings and other items of personal or other property belonging to an owner and public li„bility coverage within each suite or garage shall be the sole and direct responsibility of the suite owner thereof, and the Doard 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 negliyence of the owner, his yuests, invitees or tenants. All common element maintenance, including lawn maintenance and snow removal, repairs and replacements to the general common elements, shall be made by the Associ- ation and be charyed to all the suite owners as a common expense, unless such maintenance, repair or replacement is necessitated by the negliyence, misuse or neglect of a suite owner, in which case, such expense shall be charged to such suite owner. Section 2. Alterations by Suits Owners. No suite owner shall make any structural addition, alteration or improvement in or to his suite, or the limited common elements pertaining thereto, including any exterior painting or exterior alteration or addition (including awnings, grills, etc.) without the prior written consent thereto of the Doard of Administrators. The Board of Ad- ministrators shall have the obligation to answer any written request by a suite owner for approval of a proposed structural addition, alteration or improvement in such owner's suite within thirty (30) days after such request, and failure to do so within the stipulated time shall constitute a consent by the Board of Administrators to the proposed addition. alteration or improvement. Any application to any govern- mental authority for a permit to make an addition, alteration or improvement in or to any suite shall be executed by the Board of Administrators only, without, however, incurring any iiabiiity on the part of the Board of Administrators or any of them to any contractor, subcontractor or materialman on account of such addition, alteration or improvement, or -13-