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1 81~-. iiG208`~ ministrators may from time to time determine is appropriate. Such public liability coverage shall also cover cross liability cla-ims of one insured against the other. Certificates of all policies of physical damage insurance and of 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 crommon expense. The Board of Administrators shall determine, at least annually, the replacement valc:e of the condominium buildings and, in so doing, may employ such experts as the Hoard 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-ir.'surance 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 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 and garage owner shall have the right to insure any of the common element individually. Insurance coverage on furnishings and other items of personal or other property belonging to an owner and public liability coverage within each suite or garage shalt be the sole and direct responsibility of the ~~uite or garage owner thereof, and the Board of Administrators and the Association shall have no responsibility therefor. ARTICLES VIZ. MAINTENANCE RND ALTERATIONS. Section 1. Maintenance. The suite owner shill have the obligation to maintain and keep in good repair the interior surfaces of walls, ceilings, and floors (including capeting, tile, wallpaper, paint or other covering) as well as all fixtures, utilities, wiring, plumbing and appliances, located within each owner's suite. An owner shall not be responsible for repair to common elements by casualty, unless suci~ casualty is due to *_he 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 Association and be charged to all the suite or garage owners as a common expnese, 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 such suite or garage owner. Section 2. Alterations but Suite or Garage Owner. Ne sui*_e or garage owner shall make any structural addition„ alteration or improvement in oc to his suite or garage, 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 Boac~ of Administrators. The Board of Administrators shall have the obligation to answer any written request by a suite or garage owner for approval of a proposed struetual addition, alteration or improvement in such owner's suite or garage with- in 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 ar improvement. Any application to any governmental authority -11-