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1 � I Owners and secured parties which suffer loss. The Association,or any insurance trustee selected - by it, shatl have exclusive authority to negotiate, settle; and collect upon any c(aims or losses � under any insurance policy maintained by the Association. ' . 10.4 Reauired Policv Provisions. A!} policies of property insurance camed by the . Association shail provide, if practicable;that - - 10:4.1 Each Owner and secured parry is an insured Person under the policy with respect to liability arising out of the Qwner'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 member 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 of 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 Chere 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. Al] 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. ]0.6 No Contribution. All poticies of insurance maintained by the ASsociation shall be ; : . the primary insurance where there is ather insurance in the name of ihe Owner covering the same . properiy, and may not be brought into contribution with any insurar�ce pvrchased by Owners or their mortgagees. • ; ]0.7 Owner's Personal Insurance. Each Owner shall obtain and maintain additional personal insurance coverage (commonly icnown as "gap covera�e"or an "H06"policy) at his or j her own expense covering fire and other casualty to the interior of the Unit,the Owner's personal property and personal iiabiliry, and covering insurance deductibles that may be levied by the � Association against the Unit. Insurance policies maintained by Owners are without contribution � as against the insurance purchased by the Association, except as to deductible amounts or other , items not �overed under the Association's policies. Upon request by the Association, an Owner : sha{1 immediately provide to the Association a copy of the certificate(s) of insurance coverage evidencing the insuranee required by this Section 10.7. Mris-woTa 9s2s i.r i �6 ' I