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(4) Discovery of willful or grossly negligent B. The following provision is added to the Cancella- acts or omissions, or of any violations of tion Common Policy Condition: state laws or regulations establishing 7. Residential Property safety standards, by you or your repre- sentative, which materially increase any This provision applies to coverage on real of the risks insured against. property which is used predominantly for resi- dential purposes and consisting of not more (5) Failure by you or your representative to implement reasonable loss control re- than four dwelling units, and to coverage on tenants' household personal property in a resi- quirements, agreed to by you as a con- dential unit, if such coverage is written under dition of policy issuance, or which were one of the following: conditions precedent to our use of a par- ticular rate or rating plan, if that failure Commercial Property Coverage Part materially increases any of the risks in- Farm Coverage Part — Farm Property — Farm sured against. Dwellings, Appurtenant Structures And House- (6) A determination by the Commissioner of hold Personal Property Coverage Form Insurance that the: a. If such coverage has been in effect for 60 (a) Loss of, or changes in, our reinsur- days or less, and is not a renewal of cover- ance covering all or part of the risk age we previously issued, we may cancel would threaten our financial integrity this coverage for any reason, except as or solvency; or provided in b. and c. below. (b) Continuation of the policy coverage b. We may not cancel this policy solely be- would: cause the first Named Insured has: (i) Place us in violation of California (1) Accepted an offer of earthquake cover- law or the laws of the state where age; or we are domiciled; or (2) Cancelled or did not renew a policy (ii) Threaten our solvency. issued by the California Earthquake Au- thority (CEA) that included an earth- (7) A change by you or your representative quake policy premium surcharge. in the activities or property of the com However, we shall cancel this policy if the me or industrial enterprise, which first Named Insured has accepted a new or results in a materially added, increased renewal policy issued by the CEA that in- or changed risk, unless the added, in- cludes an earthquake policy premium sur- creased or changed risk is included in charge but fails to pay the earthquake poli- the policy, cy premium surcharge authorized by the b. We will mail or deliver advance written CEA. notice of cancellation, stating the reason for c. We may not cancel such coverage solely cancellation, to the first Named Insured, at because corrosive soil conditions exist on the mailing address shown in the policy, the premises. This Restriction (c.) applies and to the producer of record, at least: only if coverage is subject to one of the fol- (1) 10 days before the effective date of lowing, which exclude loss or damage cancellation if we cancel for nonpay- caused by or resulting from corrosive soil ment of premium or discovery of fraud; conditions: or before the effective date of (1) Capital Assets Program Coverage Form (2) 30 days Y (Output Policy); cancellation if we cancel for any other (2) Commercial Property Coverage Part — reason listed in Paragraph 3.a. Causes Of Loss—Special Form; or (3) Farm Coverage Part — Causes Of Loss Form — Farm Property, Paragraph D. Covered Causes Of Loss—Special. Risk ManagementDivisian REVIEWED&APPROVED BY: � Risk Management Specialist Page 2 of 4 ©ISO Properties, Inc., 2007 IL 02 70 09 08