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payment of premiums, shall townhomes at least ten {10) 9@ then current policies. The common expense. 82-° sl 01 ~ 13 be delivered to all mortgagees of days prior to expiration of the cost of such policies shall be a 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 Berard 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 substantia3ly modified without at least ten {10) days' prior written notice to all of the insureds, including mortgagees. Section 3. Insurance by Townhome Owners Townhome owners shall not be prohibited from carrying other insurance for their awn benefit provided that all such policies shall contain waivers of subrogation, provided, further, that no townhome owner shall have the right to insure any of the common elements individually. Insurance coverage an furnishings and other items of personal or other property belonging to an owner and public liability coverage withir. each townhome shall be the sole and direct responsibility of the townhome owner thereof, and the Board of Administrators and the Association shall have no responsibility therefor. ARTICLE VII. MAINTENANCE AND ~'~LTERATIONS. Section 1. Maintenance. The townhome owner shall have the obligation to maintain and keep in goGd repair the interior surfaces of walls, ceilings, and floors {including carpeting, tile, wallpaper, paint or other covering? as well as all fixtures, utilities, wiring, pluresbing and appliances, located within such owner's townhome. An owner shall not be responsible fcr repair to common elements by casua~,ty, unless such casualty is due to the act or negligence of the owner, his guests, 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 charged to ail the townhome owners as a common expense, unless such maintenance, repair or replacement i_s necessitated by the negligence, misuse or neglect of a town- home owner, in which case, such expense shall be charged to such townY-,ame owner. Section 2. Alterations by Townhome Owners. No townhome owner shall make any structural addition, alteration or improvement in or to his townhome, or the limited common elements pertaining thereto, including any exterior painting or exterior alteration or addition {in- cluding awnings, grills, etc.) without the prior written consent thereto of the Board of Administrators. The Soard of Administrators skaall have the obligation to answer any written request by a townhome owner for approval of a pro- s - tz-