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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ' THE A HARTFORD FLORIDA CHANGES - COMMON POLICY CONDITIONS This endorsement modifies insurance provided under the following: COMMON POLICY CONDITIONS Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following applies to Section A. CANCELLATION: 1. Paragraph 2. is deleted and replaced with the following: a. Cancellation Of Policies In Effect For 90 Days Or Less If this Policy has been in effect for 90 days or less, we may cancel this Policy by mailing or delivering to the first Named Insured written notice of cancellation, accompanied by the specific reasons for cancellation, at least: (1) 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or (2) 20 days before the effective date of cancellation if we cancel for any other reason, except we may cancel immediately if there has been: (a) A material misstatement or misrepresentation; or (b) A failure to comply with underwriting requirements established by the insurer. b. Cancellation Of Policies In Effect For More Than 90 Days (1) If this Policy has been in effect for more than 90 days, we may cancel this Policy only for one or more of the following reasons: (a) Nonpayment of premium; (b) The Policy was obtained by a material misstatement; (c) In the event of failure to comply within 90 days after the effective date of coverage with underwriting requirements established by us before the effective date of coverage; (d) A substantial change in the risk covered by the Policy; or (e) The cancellation is for all insureds under such policies for a given class of insureds. (2) If we cancel this Policy for any of these reasons, we will mail or deliver to the first Named Insured written notice of cancellation, accompanied by the reasons for cancellation, at least: (a) 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or (b) 45 days before the effective date of cancellation if we cancel for any of the other reasons stated in Paragraph A.1.b. 2. Paragraph 3. is deleted and replaced by the following: We will mail or deliver our notice to the first Named Insured at the last mailing address known to us. 3. Paragraph 5. is deleted and replaced by the following: If this Policy is canceled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be prorate. If the first Named Insured cancels, the refund may be less than pro rata. If the return premium is not refunded with the notice of cancellation or when this Policy is returned to us, we will mail the refund within 15 working days after the date cancellation takes effect, unless this is an audit policy. If this is an audit policy, then, subject to your full cooperation with us or our agent in securing the necessary data for audit, we will return any premium refund due within 90 days of the date cancellation takes effect. If our audit is not completed within this time limitation, then we shall accept your own audit, and any premium refund due shall be mailed within 10 working days of receipt of your audit. The cancellation will be effective even if we have not made or offered a refund. Form SC 01 09 10 18 Rrek Management DMsicn ,�'� �REnEwED&APPROVEDBr W Rut Management Speaalut © 2018, The Hartford 01 (May include copyrighted material of Insurance Services Office, Inc., with its permission)