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(3) The building has: <br />(a) An outstanding order to <br />vacate; <br />(b) An outstanding demolition <br />order; or <br />(c) Been declared unsafe by <br />governmental authority. <br />(4) Fixed and salvageable items have <br />been or are being removed from <br />the building and are not being <br />replaced. This does not apply to <br />such removal that is necessary or <br />incidental to any renovation or <br />remodeling. <br />(5) Failure to <br />(a) Furnish necessary heat, water, <br />sewer service or electricity for <br />30 consecutive days or more, <br />except during a period of <br />seasonal unoccupancy; or <br />(b) Pay property taxes that are <br />owed and have been <br />outstanding for more than one <br />year following the date due, <br />except that this provision will <br />not apply where you are in a <br />bona fide dispute with the <br />taxing authority regarding <br />payment of such taxes. <br />b. 10 days before the effective date of <br />cancellation if we cancel for <br />nonpayment of premium. <br />c. 30 days before the effective date of <br />cancellation if we cancel for any other <br />reason. <br />3. We will mail or deliver our notice to the <br />first Named Insured's last mailing address <br />known to us. <br />4. Notice of cancellation will state the <br />effective date of cancellation. The policy <br />period will end on that date. <br />5. If this policy is cancelled, we will send the <br />first Named Insured any premium refund <br />due. If we cancel, the refund will be pro <br />rata. If the first Named Insured cancels, <br />the refund may be less than pro rata. The <br />cancellation will be effective even if we <br />have not made or offered a refund. <br />6. If notice is mailed, proof of mailing will be <br />sufficient proof of notice. <br />B. Changes <br />This policy contains all <br />the agreements <br />between you and us concerning the <br />insurance afforded. The <br />first Named <br />Insured shown in the <br />Declarations is <br />authorized to make changes in the terms <br />of this policy with our <br />consent. This <br />policy's terms <br />can be <br />amended or waived only by endorsement <br />issued by us and made a part of this policy. <br />C. Concealment, Misrepresentation or Fraud <br />This policy is void in any case of fraud by <br />you as it relates to this policy at any time. It <br />Is also void if you or any other insured, at <br />any time, intentionally conceals or <br />misrepresents a material fact concerning: <br />1. This policy; <br />2. The Covered Property; <br />3. Your interest in the Covered Property; <br />or <br />4. A claim under this policy. <br />D. Examination of Your Books and Records <br />We may examine and audit your books and <br />records as they relate to this policy at any <br />time during the policy period and up to <br />three years afterward. We have the right to <br />make copies of these books and records. <br />E. Inspections and Surveys <br />1. We have the right but not the duty to: <br />a. Make inspections and surveys at <br />any time; <br />b. Give you reports on the conditions <br />we find: and <br />c. Recommend changes <br />2. We are not obligated to make any <br />inspections, surveys, reports or <br />recommendations and any such actions <br />we do undertake relate only to <br />insurability and the premiums to be <br />charged. We do not make safety <br />inspections. We do not undertake to <br />perform the duty of any person or <br />organization to provide for the health or <br />safety of workers or the public. We do <br />not warrant that conditions: <br />a. Are safe and healthful; or <br />b. Comply with laws, regulations, <br />codes or standards. <br />3. Paragraphs 1, and 2. of this condition <br />apply not only to us, but also to any <br />rating, advisory, rate service or similar <br />organization which makes insurance <br />inspections, surveys, reports or <br />recommendations. <br />4. Paragraph 2. of this condition does not <br />apply to any inspections, surveys, <br />reports or recommendations we may <br />make relative to certification, under <br />state or municipal statutes, ordinances <br />or regulations, of boilers, pressure <br />vessels or elevators. <br />F. Insurance Under Twi <br />If two or more of I xraltrinugmwtLI)MsIon <br />apply to the same to r9 IiwEwED&A"Ro Iilr. <br />choose only one c 9" a A+juAm44 <br />apply to that loss. ROW ' Risk Management SpeaAist <br />391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permis <br />