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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 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 SectionA.CANCELLATION: 1.Paragraph2. is deleted and replaced with the following: a.Cancellation Of Policies In Effect For 90 Days Or Less IfthisPolicyhasbeenineffectfor90daysorless,wemaycancelthisPolicybymailingordeliveringtothe firstNamedInsuredwrittennoticeofcancellation,accompaniedbythespecificreasonsforcancellation,at least: (1)10 days before the effective date of cancellation if we cancel for nonpayment of premium; or (2)20daysbeforetheeffectivedateofcancellationifwecancelforanyotherreason,exceptwemaycancel 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)IfthisPolicyhasbeenineffectformorethan90days,wemaycancelthisPolicyonlyforoneormoreof the following reasons: (a)Nonpayment of premium; (b)The Policy was obtained by a material misstatement; (c)Intheeventoffailuretocomplywithin90daysaftertheeffectivedateofcoveragewithunderwriting 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)IfwecancelthisPolicyforanyofthesereasons,wewillmailordelivertothefirstNamedInsuredwritten 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)45daysbeforetheeffectivedateofcancellationifwecancelforanyoftheotherreasonsstatedin ParagraphA.1.b. 2.Paragraph3. 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.Paragraph5. is deleted and replaced by the following: IfthisPolicyiscanceled,wewillsendthefirstNamedInsuredanypremiumrefunddue.Ifwecancel,therefund willbeprorata.IfthefirstNamedInsuredcancels,therefundmaybelessthanprorata.Ifthereturnpremiumis notrefundedwiththenoticeofcancellationorwhenthisPolicyisreturnedtous,wewillmailtherefundwithin15 working days after the date cancellation takes effect, unless this is an audit policy. Ifthisisanauditpolicy,then,subjecttoyourfullcooperationwithusorouragentinsecuringthenecessarydata foraudit,wewillreturnanypremiumrefundduewithin90daysofthedatecancellationtakeseffect.Ifourauditis notcompletedwithinthistimelimitation,thenweshallacceptyourownaudit,andanypremiumrefunddueshall 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 18Page1 of2 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission)