Decarla's Beauty Salon 9/28/2020

98-C6-F927-8 009114 M 9109 CM P-4247.1 Page 4 of 5 covered loss to property as described in b. We may cancel this policy by mailing Coverage A — Buildings that you do not or delivering to the first Named Insured own and which is your insurance responsi- and the first Named Insured's agent bility according to the terms of a lease or written notice of cancellation at least: rental agreement. We will decide if our (1) Five days before the effective date payment for loss will be made to you or to of cancellation for any structure the owner of the property. But we will not where two or more of the following pay more than the applicable Limit Of In- conditions exist surance of SECTION I — PROPERTY coverages shown in the Declarations. (a) Without reasonable explana- tion, the structure is unoccu- 3. The following are added to Paragraph 10. pied for more than 60 Transfer Of Rights Of Recovery Against consecutive days, or at least Others To Us: 65% of the rental units are un- Our right to recover our payments applies occupied for more than 120 only after you have been fully compen- consecutive days unless the sated for damages. structure is maintained for sea- If we pay an insured who is victim of do- sonal occupancy or is under mestic abuse, for a loss caused by an act construction or repair; of domestic abuse, the rights of that in- (b) Without reasonable explana- sured to recover damages from the perpe- tion, progress toward comple- trator of the abuse are transferred to us to tion of permanent repairs to the the extent of our payment. That insured structure has not occurred may not waive such rights to recover within 60 days after receipt of against the perpetrator of the domestic funds following satisfactory ad- abuse. As used here, domestic abuse justment or adjudication of loss means intentionally, knowingly, or reck- resulting from a fire; lessly causing physical loss to covered resulting from a fire; property so as to intimidate or attempt to (c) Because of its physical condi- control the behavior of another insured. tion, the structure is in danger 4. The following is added: of collapse; Cancellation (d) Because of its physical condi- a. (1) The first Named Insured shown in tion a vacation or demolition the Declarations may cancel this order has been issued for the policy by notifying us or the insur- structure, or it has been de- ance producer in one of the follow- Glared unsafe in accordance ing ways: with applicable law; (a) Written notice by mail, fax or e- (e) Fixed and salvageable items mail; have been removed from the (b) Surrender of the policy or binder; structure, indicating an intent to vacate the structure; or (c) Verbal notice. (f) Without reasonable explana- tion, heat, water, sewer, and (2) Upon receipt of such notice, we will electricity are not furnished for cancel this policy or any binder is- the structure for 60 consecutive sued as evidence of coverage, ef- days; or fective on the later of the following: (g) The structure is not maintained (a) The date on which notice is re- in substantial compliance with ceived or the policy or binder is fire, safety and building codes. surrendered; or (2) 10 days before the effective date of (b) The date of cancellation requested cancellation if we cancel for non- by the first Named Insured. payment of premium. ©, Copyright, State Farm Mutual Automobile Insurance Company, 2016 Includes copyrighted material of Insurance Services Office, Inc., with its permission. CONTINUED