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a. After a fire loss, permanent repairs to the building have not started within 60 days of satisfactory adjustment of loss, unless the delay is due to a labor dispute or weather conditions. b. The building has been unoccupied 60 or more consecutive days. This does not apply to: (1) Seasonal unoccupancy; or (2) Buildings under repair, construction or reconstruction, if properly secured against unauthorized entry. c. The building has: (1) An outstanding order to vacate; (2) An outstanding demolition order; or (3) Been declared unsafe in accordance with the law. d. Heat, water, sewer service or public lighting have not been connected to the building for 30 consecutive days or more. The policy will terminate 10 days following receipt of the written notice by the named insured(s). 9. Residential Properties Occupied By 4 Families Or Less: The following applies if this policy covers residential properties occupied by 4 families or less: If this policy has been in effect for 60 days, or if this is a renewal policy, we may only cancel this policy for one or more of the following reasons: a. Nonpayment of premium; b. The policy was obtained by misrepresentation or fraud; or c. Any act that measurably increases the risk originally accepted. If we cancel this policy based on one or more of the above reasons except for nonpayment of premium, we will mail written notice at least 30 days before the effective date of cancellation. When cancellation is for nonpayment of premium, we will mail written notice at least 10 days before the effective date of cancellation. B. Paragraph H., Other Insurance - Property Coverage is replaced by the following: Other Insurance - Property Coverage 1. You may have other insurance subject to the same plan, terms, conditions, and provisions as the insurance under this Coverage Form. If you do, we will pay our share of the covered loss or damage. Our share is the proportion that the applicable Limit of Insurance under this Coverage Form bears to the Limits of Insurance of all insurance covering on the same basis. Page 2 of 4 2. If there is other insurance covering the same loss or damage, other than that described in 1. above, we will pay only for the amount of covered loss or damage in excess of the amount due from that other insurance, whether you can collect on it or not. But we will not pay more than the applicable Limit of Insurance. C. The following Conditions are added: Nonrenewal 1. If we decide not to renew or continue this policy, we will mail you written notice, stating the reason for nonrenewal. Proof of mailing will be sufficient proof of notice. 2. Except as provided in Paragraph 6. below, we will mail you notice of nonrenewal at least 60 days before the end of the policy period. 3. If we offer to renew or continue and you do not accept, this policy will terminate at the end of the current policy period. Failure to pay the required renewal or continuation premium when due shall mean that you have not accepted our offer. 4. If we fail to mail proper written notice of nonrenewal and you obtain other insurance, this policy will end on the effective date of that insurance. 5. The following provision applies to policies other than those described in Paragraph 6.: Notification of nonrenewal will also be sent to your broker, if known, or agent of record, if known, and the mortgagee or lienholder listed on the Policy. 6. The following provision applies only if this policy covers residential properties occupied by 4 families or less: a L� If this policy has been issued to you and in effect with us for 5 or more years, we may not fail to renew this policy unless: (1) The policy was obtained by misrepresentation or fraud and we mail you notice of nonrenewal at least 30 days before the end of the policy period as provided in 1. above; (2) The risk originally accepted has measurably increased and we mail you notice of nonrenewal at least 30 days before the end of the policy period as provided in 1. above; or (3) You received 60 days' notice of our intent not to renew as provided in 1. above. If this policy has been issued to you and in effect with us fo cF RAMmVmentDMsian Jy/ 1'x REVIEWED & APPROVED BY.- V"° --� Risk janagement Analyst