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, Owners and secured parties which suffer loss. The Association, or any insurance trustee selected - by it, shall have exclusive auihority to negotiate, settle; and collect upon any claims or losses � under any insurance policy maintained by the Association. ' � . . 10.4 Reguired Policv Provisions. Alt policies of property insurance carried by the . Association shall provide, if practicable;that: 10:4.1 Each Owner and secured party is an insured Person under the policy with respect to liability arising out of the Owner's interest in the Common Elements or membership in the Association. � 10.4.2 The insurer waives its right to subrogation under the policy against any Owner or mernber of the Owner's household and against the Association and members of I the Board. 10.4.3 The coverage shall not be voided by or conditioned upon (i) any act or omission of an Owner, unless acting within the scope o#' authority on behalf of the Association, or (ii) any failure of the Association to comply with any warranty or condition regarding any portian of the Property over which the Association has no controL , 10.4.4 If at the time of a loss under the policy there is other insurance in the name of an.Owner covering the same property covered by the policy, the Association's policy is primary. . 10.5 Cancellation; Notice of Loss. All policies of property insurance and comprehensive liability insurance maintained by the Association shall provide that the policies shall not be canceled or substantially modified, for any reason, without at least thirty days prior � written notice to the Association, the insureds, and to all secured parties holding first mortgages ' on Units. i 10.6 No Contribution. All policies of insurance maintained by the Association shall be ; the primary insurance where there is other insurance`in the name of the Owner covering the same property, and may not be brought into contribution with any insurance purchased by Owners or their mortgagees. • ; 10.7 Owner's Personal Insurance. Each Owner shall obtain and maintain additional personal insurance coverage (commonly known as "gap coverage"or an "H06"policy) at his or her own expense covering fire and other casualty to the interior of the Unit,the Owner's personal property and personal iiability, and covering insurance deductibles that may be levied hy the Association against the Unit. lnsurance policies maintained by Owners are without contribution as against the insurance purchased by the Association, except as to deductible amounts or other items not covered under the Association's policies. Upon request by the Association, an Owner shall immediately provide to the Association a copy of the certificate(s) of insurance coverage evidencing the insurance required by this Section 10.7. . MPLS-Word 95281.i 1 �b ; �