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•1 � / Owners'and secured parties which suffer loss. The Association,or any insurance trustee sel cted - by it, shall have exclusive authority to negotiate, settle; and collect upon any claims or 1 sses � under amy insurance policy maintained by the Association_ ' � . 10.4 Reauired Policv Provisions. Att policies of property insurance carried b the � Association shall provide, if practicable;that: � � 1fl.4.1 Each Owner and secured party is an insured Person under the policy ith respect to liability arising out of the Owner's interest in the C:ommon Elemen s or membership in the Association. � 10.4.2 The insurer waives its right to subrogation under the policy agains any bwner or member of the Owner's household and against the Association and memb rs of I the Board. , 10.4.3 The coverage shall nat be voided by or conditioned upon {i) any a t or omission of an Owner, unless acting within the scope of authority on behalf o the Association, or (ii) any failure of the Association to comply with any warran or �ondition regarding any portion of the Property over which the Association h s no �controL . , 10.4.4 If at the time of a loss under the policy Chere is other insurance in the ame of an.Owner covering the same property covered by the policy, the Association's licy is primary. '10.5 Cancellation; Notice of Loss. A11 policies of property insurance and compr�hensive liability insurance maintained by the Association shall provide that the po icies shall not be canceled or substantially modified, for an.y reason, without at least thirty days prior written notice to the Association, the insureds, and to all secured parties holding first mort ages on Uni�s. '10.6 No Contribution. All policies of insurance maintained by the Association sh ll be ; the pridnary 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 Own rs or their mortgagees. � ; ]OJ Owner's Personal Insurance. Each Owner shall obtain and maintain addi iona] personal insurance coverage (commonly icnown as "gap covera�e"or an "H06"policy) at is or her aw�n expense covering fire and other casualty to the interior of the Unit,the Owner's pe sonal property and personal iiability, and covering insurance deductibles that may be levied y the Associ�ation against the Unit. Insurance poticies maintained by Owners are without contri ution as against the insurance �urchased by the Association, except as to deductible amounts or other items not covered under the Association's policies. Upon request by the Association, an wner sha{1 immediately provide to the Association a copy of the certificate(s) of insurance co erage evidencing the insurance required by this Section 10.7. MPLS-VV�ord 95281.i I �6 I ' � �