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� Owners and secured parties which suffer loss. T1ie Association, or any insurance trustee selected - by it, shall have exclusive authority to negotiate, settle; and cotlect upon any claims or losses � under any insurance policy maintained by the Association. ' � . 10.4 Required Policv Provisions. Afl policies of properiy insurance carried by the . Association shall provide, if practicable;that: . 1a.4.1 Each Owner and secured party is an insured Peron under ihe policy with respect to liability arising out of the Owner's interest in the Common Elemen[s or membership in the Association. � 10.4.2 The insurer waives its right to subrogation under the policy against any I Owner or member of the Owner's household and againsi the Association and members of I the Board. 1fl.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 portion of the Property over which the Association has no control. , L0.4.4 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. 10.6 No Contribution. All poticies of insurance maintained by the Association shall be ; , the primary insurance where there is other insurance in the name of fhe Owner covering ihe 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 additiona) personal insurance coverage (commonly icnown as "gap covera�e"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 liability, and covering insurance deductibles that may be levied by the Associatio❑ against the Unit. lnsurance policies maintained by Owners are without contribution 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 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 9528I.i 1 �6 i �