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' ♦ I Owners and secured parties which suffer loss. The Association, or any insurance trustee sele ted - by it, sh'll have exclusive auihority to negotiate, settle; and collect upon any c(aims or lo ses , under an insurance policy maintained by the Association. � � . 1 .4 Required Policv Provisions. Ail policies of property insurance carried by the Associati n shall provide, if practicable,that: ' 10.4.1 Each Owner and secur�d party is an insured Person under the policy ith respect to liability arising out of the Owner's interest in the Common Elements or membership in the Association. 1fl.4.2 The insurer waives its right to subrogation under the policy against ny Owner or member of the Owner's household and against the Association and tnembe of the Board. � 10.4.3 The coverage shall not be voided by or conditioned upon (i) any ac or o�ission of an Owner, unless acting within the scope o#' authority on behalf of the A�sociation, or (ii) any failure of the Association to comply with any warranty or cc�ndition regarding any portion of the Property over which the Association has no c ntroL : 10.4.4 If at the time of a loss under the policy there is other insurance in the najme o an.Owner covering the same property covered by the policy, the Association's po�icy is primary. i 1C�.5 Cancellation; Notice of Loss. All policies af property insurance nd comprehensive liability insurance maintained by the Association shall provide that the poli ies shall not be canceled or substantially modified, for any reason, without at least thirty days p 'ar written notice io the Association, the insureds, and to all secured parties holding first mortga es on Units. ]0.6 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 sa e properiy, and may not be brought into contribution with any insurance purchased by Owne or their mortgagees. . i 10.7 Owner's Personal Insurance. Each Owner shall obtain and maintain additio al personal insurance coverage (commonly known as "ga}� covera�e"or an "H06"policy) at hi or her own expense covering fire and other casualty to the interior of the Unit,the Owner's perso al properry and personal iiability, and covering insurance deductibles that may be levied by e Associatio❑ against the Unit. Insurance policies maintained by Owners are without contribut on as against the insurance �urchased by the Association, except as to deductible amounts or ot er items not'covered under the Associat'son's policies. Upon request by the Association, an Ow�er shall immjediately provide to the Association a copy of the certificate(s) of insurance cover�ge evidencin�the insuranee required by this Section 10.7. I MPlS-Word 95281.i I �6 i �