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•�� ♦ � Owner and secured parties which suf�er loss. The Association,or any insurance trustee sel cted - by it, s all have exclusive authority to negotiate, settle; and collect upon any claims or i sses , under a y insurance policy maintained by the Assaciation. ' � . . 10.4 Required Policv Provisions. A11 policies of property insurance canied b the Associ tion shall provide, if practicable,that: . 10.4.t Each Owner and secur�d party is an insured Person under ihe policylwith t-espect to liability arising out af the Owner's interest in the Common Elemen or embership in the Association. � 1fl.4.2 The insurer waives its right to subrogation under the policy agains any I wner or member of the Owner's household and against the Association and memb rs of I he Board. 10.4.3 The coverage shall not be voided by or conditioned`upon {i) any a t or mission of an Owner, unless acting within the scope o#' authority on behalf o the ssociation, or {ii) any failure of ihe Association to comply with any warran or ondition regarding any portion of the Property over which the Association ha no ontrol. , 10.4,4 If at the time of a loss under the policy Chere is other insurance in the ame f an.Owner covering the same property covered by the policy, the Associa#ion's licy s primary. � 0.5 Cancellation• Natice of Loss. All policies of property insurance and compre ensive liability insurance maintained by the Association shall provide that the pol cies shall no be canceled or substantially modified, for any reason, without at least thirty days rior . written otice to the Association, the insureds, and to all secured parties holding first mortg ges on Unit . 0.6 No Contribution. All policies of insurance maintained by the Association sha l be ; the pri ary insurance where there is other insurance in the name of the Owner covering the s me , propert , and may not be brought into contribution with any insurance purchased by Owne s or their m rtgagees. � ; 0.7 Owner's Personal Insurance. Each Owner shall obtain and maintain additi nal persona insurance coverage (commonly known as "gap coverage"or an "H06"policy) at h s or her own expense covering fire and other casualty to the interior of the Unit,the Owner's pers nal propert and personal liability, and covering insurance deductibles that may be levied by the Associa ion against the Unit. insurance policies maintained by Owners are without contribu ion as again t the insurance purchased by the Association, except as to deductible amounts or o her items n t covered under the Association's policies. Upon request by the Association, an O ner shall im ediately provide to the Association a copy of the certificate(s) of insurance cove ge evidenci g the insurance required by this Section 10.7. MPLS-Wor 9528 L f l �6 i �