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98-C9-R412-4 010975 FE-8724 Page 4 of 4 You may also accept the usual bills of lad- property so as to intimidate or attempt to ing or shipping receipts limiting the liability control the behavior of another insured. of carriers. 22.Transfer of Your Rights and Duties Under " This notrestrictyour insurance. This Policy. Your rights and duties under this � willpolicy may not be transferred without our writ- Our right to recover our payments applies ten consent except in the case of death of an only after you have been fully compen- individual Named Insured. If you die,your rights sated for damages. and duties will be transferred to your legal rep- resentative but only while acting within the If we pay an insured, who is victim of do- scope of duties as your legal representative. mestic abuse, for a loss caused by an act Until your legal representative is appointed, of domestic abuse, the rights of that in- anyone having proper temporary custody of sured to recover damages from the perpe- your property will have your rights and duties trator of the abuse are transferred to us to but only with respect to that property. the extent of our payment. That insured 23.Conformity to State Law. When a provision may not waive such rights to recover of this policy is in conflict with the applicable against the perpetrator of the domestic abuse. As used here, domestic abuse law of the state in which this policy is issued, means intentionally, knowingly, or reck- the law of the state will apply. lessly causing physical loss to covered All other policy provisions apply. FE-8724 ©,Copyright,State Farm Mutual Automobile Insurance Company,2011 FE-3650 Page 1 of 1 FE-3650 ACTUAL CASH VALUE ENDORSEMENT The following is added to any provision which uses the term"actual cash value": Actual cash value means the value of the damaged part of the property at the time of loss,calculated as the estimated cost to repair or replace such property,less a deduction to account for pre-loss depreciation. For this calculation,all components of this estimated cost including,but not limited to: 1. materials,including any tax; 2. labor,including any tax;and 3. overhead and profit; are subject to depreciation. The depreciation deduction may include such considerations as: 1. age; 2. condition; 3. reduction in useful life; 4. obsolescence;and 5. any pre-loss damage including wear,tear,or deterioration; of the damaged part of the property. All other policy provisions apply. FE-3650 ©,Copyright,State Farm Mutual Automobile Insurance Company,2015 (CONTINUED)