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it COMMON POLICY CONDITIONS All coverages of this policy are subject to the following conditions. A. Cancellation (5) Failure to: 1. The first Named Insured shown in the (a) Furnish necessary heat, water, Declarations may cancel this policy by mailing sewer service or electricity for 30 or delivering to us advance written notice of consecutive days or more, except cancellation. during a period of seasonal 2. We may cancel this policy by mailing or unoccupancy; or delivering to the first Named Insured written (b) Pay property taxes that are owing notice of cancellation at least: and have been outstanding for a. 5 days before the effective date of more than one year following the cancellation if any one of the following date due, except that this provision conditions exists at any building that is will not apply where you are in a Covered Property in this policy: bona fide dispute with the taxing authority regarding payment of (1) The building has been vacant or such taxes. unoccupied 60 or more consecutive b. 10 days before the effective date of days. This does not apply to: cancellation if we cancel for nonpayment (a) Seasonal unoccupancy; or of premium. (b) Buildings in the course of c. 30 days before the effective date of construction, renovation or cancellation if we cancel for any other addition. reason. Buildings with 65% or more of the rental 3. We will mail or deliver our notice to the first units or floor area vacant or unoccupied are Named Insured's last mailing address known to considered unoccupied under this us. provision. 4. Notice of cancellation will state the effective (2) After damage by a Covered Cause of date of cancellation. The policy period will end Loss, permanent repairs to the building: on that date. (a) Have not started; and 5. If this policy is canceled, we will send the first (b) Have not been contracted for, Named Insured any premium refund due. Such within 30 days of initial payment of refund will be pro rata. If the first Named loss. Insured cancels, the refund may be less than pro rata. The cancellation will be effective even (3) The building has: if we have not made or offered a refund. (a) An outstanding order to vacate; 6. If notice is mailed, proof of mailing will be (b) An outstanding demolition order; or sufficient proof of notice. (c) Been declared unsafe by B. Changes governmental authority. This policy contains all the agreements between (4) Fixed and salvageable items have you and us concerning the insurance afforded. been or are being removed from the The first Named Insured shown in the Declarations building and are not being replaced, is authorized to make changes in the terms of this This does not apply to such removal policy with our consent. This policy's terms can be that is necessary or incidental to any amended or waived only by endorsement issued by renovation or remodeling. us and made a part of this policy. I Form SS 00 05 10 08 Page 1 of 3 © 2008, The Hartford