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HomeMy WebLinkAboutDeeds & Easements_B-1 (2)STAWDARD FORMS BUREAU FORM 16 (APRIL 1924) 1 1154 1 111 ii Attached to and forming part of Policy No .................. 194 '� ........... of the...:.:........... F 21MI, ii,7�1! 7111A�i%,T-"711 ccl-IMPA119TY .......... ................ NAMr OF ]�SURANCr COMPANY ------.................................. 1Issuedto----- ..... 1�Et trrsusFEc............. ,............................................................. .................................................................... ­­ .......... ............................................................................. ................................................... ................ .............................. Agency at..I? lari�ia Qallflfn_lli'� �111 OR I.W. AND STATE' .. * ........... ­* ............... * ------------------- ............. Dated ........ 191 �: .......... The ownership of the property described in the above numbered policy of the above named Insurance Company, having actually passed to ............. ............................. -------------- ............................. .......................................................................................... NAME of ,�iILT whosemailing address is, -------- T�E2i:�2A27 2__1 ....... _F ... yJ . I .. A ....................... .......................... . ......................................................................................... (herein termed "Transferee"), the undersigned Transferor, for value received, hereby transfers and assigns unto said transferee all the title and interest of said undersigned Transferor in said policy, subject to all the terms and conditions thereof. In witness whereof, said undersigned Transferor has executed these presents this... ; . ..... rd day of ................ '.,M .. ......................................... —.'7A. ... 1V "A WT. . MR, RrEDT IVT5 7WJ7CH ,�630 Witness........::: r 'hace and C 11a P. Chace .............a........................................................................................... ........ ...................................... By. CONSENT TO ASSIGNMENT Dell- EI-ickson, ",«crbw, CT The undersigned Insurance Company hereby consents to the foregoing assignment, subject to all the terms and conditions of the above numb . cred policy of said Company; it being understood that this consent is granted upon the express condition that the above named Transferee shall be liable to said Insurance Company for all premiums now due, or which may hereafter become due, on said policy. This consent is granted upon the further condi- tion that the some shall only be valid and binding if actually attached to said policy. Said Transferee by acceptance of this consent agrees to all of the foregoing conditions. T4a',3 rrr, o-R n F TR R I rAAOF.MARK 96 APRIL 1924 1K 194833 Faso 3RD REV. E•82 Expires OCTOBER 9 ,1956 STOCK COMPANY CALIFORNIA STANDARD FORM Property BUILDING FIRE INSURANCE POLICY *t If Amount s 4000.00 Premium S 29.00 {rj HARTFORD FIRE INSURANCE COMPANY w HARTFORD, CONN. C� INSURED WALTER F. CHACE, et ux AGENT o C. S. KREMER PRESIDENT CAPITAL_ STOCK S16.000,000 INCORPORATED 1810 PACIFIC DEPARTMENT ADDISON C. POSEY, MANAGER SAN FRANCISCO. CAL FRANCIS T. FENN SECRETARY-TREASURCR It is important that the written portions of all policies covering the same property read exactly alike. If they do not, they should be made uniform at once. IN9T i`O,.0 HERE CAI'rgRNIA STANDARD FORM FIRE INSURANCr "OLICY K 194833 A CAPITAL HARTFORD STOCK COMPANY FIRE INSURANCE COMPANY INCORPORATED 1810 CHARTER PERPETUAL H A R T F 4 R D Ilk CONNECTICUT PACIFIC DEPARTMENT HARTFORD BUILDING, SAN FRANCISCO 20, CALIFORNIA Rate Premium INSURANCE UNDER "OTHER PERILS AND $ Total Amount FIRE AND LIGHTNING of Insurance OTHER PERILS AND [OVERAGES COVERAGES" ATTACHES ONLY FOR SPECI- PIED PERILS OR COVERAGES AS TO WHICH (A) RATE AND PREMIUM ARE SHOWN IN $ (a) Extended Coverage bhRAD FOAM $ 4000_00((O THE SPACES TO THE RIGHT OF THE DES- IGNATION OF SUCH PERIL OR COVERAGE, AND (B) WRITTEN ENDORSEMENT IN -725 $ $ lc) REFERENCE THERETO 15 MADE A PART OF THIS POLICY. TOTAL PREMIUM 70 nn In Consideration of the Provisions and Stipulations Herein or Added Hereto and of the Above Specified Dollars Premium this Company, for the term of ------------ 3 --YFAM-.from the -------------------- 9th----day of ------------ 4CTUB �'EH---------------- ---------• 19------- 53....... at noon, Standard Time, to the— ------------------ 9th ---- day of ----------- OCTC-BM-------------------------- 19-------- r6------- at noon, Standard Time, at location of property involved, to an amount not exceeding the above specified dollars, does insure -----------WALTER-2..... CHACE-_AMID--- CELIA--P.---- CHA.CE-, ... Husband--and--IV11fe---------------------------- and legal representatives, to the extent of the actual cash value of the property at the time of loss, but not exceeding the amount which it would cost to repair or replace the property with material of like kind and quality within a reasonable time after such loss, without allowance for any increased cost of repair or reconstruction by reason of any ordinance or law regulating construction or repair, and without compensation for loss resulting from interruption of business or manufacture, nor in any event for more than the interest of the insured, against all LOSS BY FIRE, LIGHTNING AND BY REMOVAL FROM PREMISES ENDANGERED BY THE PERILS INSURED AGAINST IN THIS POLICY, EXCEPT AS HEREINAFTER PROVIDED, to the property described hereinafter while located or contained as described in this policy, or pro rasa for five days at each proper place to which any of the property shall necessarily be removed for preservation from the perils .insured against in this policy, but not elsewhere. Assignment of this policy shall not be valid except with the written consent of this Company. This policy is made and accepted subject to the foregoing provisions and stipulations and those hereinafter stated, which are hereby made a part of this policy, together with such other provisions, stipulations and agreements as may be added hereto, as provided in this policy. IN WITNESS WHEREOF, this Company has executed and attested these presents; but this policy shall not be valid unless countersigned by the duly authorized Agent of this Company aki= A71IDS.l---_C.A,IeIF.ORN-I$------------ ----------- ------------------- ------- Secretary Countersigned this ------------- 9th--------- day of...-_QCTOBER------ - i President . , 19-53- --- �..__�..., ...::_ _-------`= ` A!gent ENDORSEMENTS MAY BE ATTACHED HERE .. STANDiRD FORMS BUREAU FORM 18S (DEC. 1952) DWELLING BUILDING —BROAD FORM (SSO.00 DEDUCTIBLE APPLICABLE TO CERTAIN SPECIFIED PERILS) Attached to and forming part of Policy No...... ...19.033.....of the......,, HART .Q. ..,F issued at.... r �_... S6.R- NAME OF INSURED.... ...... a..Y, y .� .. . ky� .....ti... °. y. y... ......... Dated ........Q.GWBER-..9.I....� 95.3.................. i= !�?'.1:'3'a � w.. CITY OR TOWN AND STATES 1 EURE �AR4'i STREET NUMBER ORLOTAG E Agency at�Tl?..._.. {'�t'.Q Agent....., dRTUA� .... _ _ .....-..,,»............. This policy covers the following described property, sII situated........... ( ) NQ BLOCK NVMBER AND CITY, � itl-'f 1-- JC'Qf� �o 'an Ii'w« ..... D ' State of California, �.................. �..---.---......- .. or pro rata for thirty days at each proper place to which any of the property shall necessarily be removed for preservation from or for repair of damage caused by the perils insured against. g¢� *Item I. $ } o..,,co...ON the..,,..Aeroer, ,..roof...C.NSTRUGTIOHf.r..o•building containing-HuMBEP.-family unit($). *Item II.$..............................ON the..ROOF COVERING".rODf...CONSTRUCTION........... building ............................................................ --------------•----................................................. ...... *Item IIl..$..............................ON trees, shrubs and plants . . . . . . . . . . *Item IV:$..............................ON rental value of the building or private structures described as insurable under Item 1. *Item V.$..............................ON additional living expense resulting from damage or destruction of the building or private PARAGRAPH structures described as insurable under Item 1. No. Y "'LOSu PAYABLE. Loss, if""srip; shal!`ise`adjusted' vitft the Insured specifically named,unless otherwise specified by, (a) written agreement, or (b) endorsement hereon. Subject to all the terms and conditions of this policy and to the written agreement, if any, between this Insurer and the following named Payee, loss, if any, under Item I and Item(s)...................................... shall be payable whose mailing address is *2. Insurance attaches hereunder only to those Items (For description of coverages by Items, see reverse side of this Form) for which an amount is shown in the space provided therefor. Loss hereunder shall not reduce such stated amounts but the liability of this Company shall not exceed such stated amounts with respect to any one occurrence regardless of whether one or more perils contribute to the loss. All provisions of this form and of the policy to which it is attached shall apply separately to each Item covered, except as otherwise specifically provided. S. SUBSTITUTION OF TERMS. In the application of the provisions of this policy, including riders and endorsements (but not this form), to the perils covered by this form, wherever the word "fire" appears there shall be substituted therefor the peril involved or the loss caused thereby, as the case requires. I PERILS INSURED AGAINST (THE ITALICIZED NU MERS FOLLOWING EACH PERIL REFER TO APPLICABLE SUIi- PARAGRAPHS OF PARAGRAPH No. 5 ("LIMITATIONS AND EXCLUSIONS") PARAGRAPH NO. 4. This policy insures against all loss to the prop- erty covered (including loss by removal from premises endangered by the perils insured against) caused by: A. Fire and lightning as provided in this form and in the policy to which it is attached. B. Windstorm. (1) C. Hail. (1) D. Explosion. E. Sudden and accidental tearing asunder, crack- ing, burning„or_bulging of a„steam or hot water..he.at.1- ing system, EXCEPT APPLIANCES FOR. HEATING WAT- ER FOR DOMESTIC CONSUMPTIQN.(See also Peril "O") (2, 3) F. Vandalism and ;malicious mischief. (4, 5) G. Burglars, EXCEPT WITH RESPECT TO PROPERTY TAKEN FROM THE PREMISES. (5) H. Riot, riot attending a strike, and civil commo- tion, including direct loss from pillage and looting oc- curring during and at the immediate place of a riot, riot attending a strike or civil commotion, I. Aircraft. J. Vehicles. (6) K. Sudden and accidental damage from smoke, OTHER THAN SMOKE FROM AGRICULTURAL SMUDG- ING OR INDUSTRIAL OPERATIONS. L. Falling objects (including but not limited to fall of trees or their limbs) including cost of removal from premises. (2) i And, with respect only to a loss caused by Perils "Al" to "U" inclusive, THIS COMPANY SHALL BE LIA- BLE ONLY WHEN SUCH LOSS TO ALL PROPERTY COV- ERED HEREUNDER EXCEEDS FIFTY DOLLARS ($50.00) IN ANY ONE OCCURRENCE AND THEN ONLY FOR. ITS PROPORTION OF SUCH EXCESS: i M. Accidental leakage, overflow or discharge of water or steam from within a plumbing or heating system or domestic appliance. (2, 3, 5, 7) i N. Accidental admission of rain, snow, hail, sand or dust, directly to the interior of the building(s) through defective roofs, leaders or spouting or through defective doors, windows, skylights, tran- soms, or ventilators. (2, 5) tO. Sudden and accidental tearing asunder, crack- ing, burning or bulging of appliances for heating water for domestic consumption. (2, 3 ) tP. Breakage of glass constituting a part of the building(s) covered hereunder, including glass in storm doors and storm windows. (2, 5) i R• Weight of ice or snow which results in physical injury to the building(s) covered hereunder. (8) i R. Freezing of plumbing, heating and air condition- ing systems and domestic appliances. (3) S. Collapse of building or any part thereof. (2, 8, 9) j-T. Landslide. (2, 8) tU. Sudden and accidental injury to electrical appli- ances, devices and fixtures, if covered under the build - LIMITATIONS AND EXCLUSIONS (FOR "WAR RISK EXCLUSION", APPLICABLE TO ALL PERILS, SEE PARAGRAPHS No. 13 AND 14) PARAGRAPH NO. 5. THIS COMPANY SHALL NOT BE LIABLE: (1) As respects Perils "B" and "C": FOR LOSS CAUSED DIRECTLY OR INDIRECTLY BY (a) FROST OR COLD WEATHER OR (b) SNOWSTORM, WAVES, TIDAL WAVE, HIGH WATER, OVERFLOW OR ICE (OTHER THAN HAIL) WHETHER DRIVEN BY WIND OR NOT, NOR FOR LOSS TO THE INTERIOR OF THE BUILDING(S) CAUSED BY WATER, RAIN, SNOW, SAND OR DUST, WHETHER DRIVEN BY WIND OR NOT, UNLESS THE BUILDING(S) COVERED SHALL FIRST SUSTAIN AN ACTUAL DAM- AGE TO ROOF OR WALLS BY THE DIRECT FORCE OF WIND OR HAIL ,AND, THEN SHALL BE LIABLE-FOR..LOSS.TO THE INTERIOR OF THE BUILDING(S) AS MAY BE CAUSED BY WATER, RAIN, SNOW,.SAND OR DUST ENTERING THE BUILDING(S) THROUGH OPENINGS IN THE ROOF OR WALLS MADE BY DIRECT ACTION OF WIND OR HAIL. (See Peril "N") (2) As respects Perils "E", "L", "M", "N", "0", "P", "S" and "T": FOR LOSS CAUSED DIRECTLY OR INDIRECTLY BY EARTHQUAKE, OR BY FLOOD, INUNDATION, WAVES, TIDE OR TIDAL WAVE, HIGH WATER, OR OVERFLOW OF STREAMS OR BODIES OF WATER, WHETHER DRIVEN BY WIND OR NOT, OR BY SEEPAGE OF WATER THROUGH FOUNDATION WALLS. (3) As respects Perils "E", "M", "0" and "R": FOR LOSS RESULTING FROM FREEZING WHILE THE DESCRIBED BUILDING(S) IS VACANT OR UNOCCUPIED, UNLESS THE INSURED SHALL HAVE EXERCISED DUE DILIGENCE WITH RESPECT TO MAINTAINING HEAT IN THE BUILD- ING(S) OR UNLESS THE PLUMBING AND HEATING SYSTEMS AND DO- MESTIC APPLIANCES HAVE BEEN DRAINED AND THE WATER SUPPLY SHUT OFF DURING SUCH VACANCY OR UNOCCUPANCY. (4) As respects Peril "F" : FOR LOSS TO GLASS (OTHER THAN GLASS BUILDING BLOCKS) CONSTITUTING A PART OF THE BUILD- ING, OR FOR ANY LOSS BY PILFERAGE, THEFT, BURGLARY OR LAR- CENY. (5) As respects Perils "F", "G", "M", "N" and "P" : IF THE DE- SCRIBED PROPERTY HAS BEEN VACANT BEYOND A PERIOD OF THIRTY (30) CONSECUTIVE DAYS IMMEDIATELY PRECEDING THE LOSS, A BUILDING IN PROCESS OF CONSTRUCTION SHALL NOT BE DEEMED VACANT. (6) As respects Peril "J": FOR LOSS TO DRIVEWAYS, WALKS, LAWNS, TREES, SHRUBS AND PLANTS CAUSED BY ANY VEHICLE OWNED OR OPERATED BY ANY OCCUPANT OF THE DESCRIBED PROPERTY. (7) As respects Peril "M": FOR THE COST OF REPAIRING OR RE- PLACING THAT PORTION OF THE SYSTEM OR APPLIANCE FROM WHICH THE WATER OR STEAM ESCAPES. ($) As respects Perils "Q", "S" and "T" : FOR LOSS TO OUTDOOR EQUIPMENT, FENCES, RETAINING WALLS NOT 'CONSTITUTING A PART OF A BUILDING COVERED, DRIVEWAYS, WALKS, LAWNS, TREES, SHRUBS AND PLANTS, EXCEPT AS THE DIRECT RESULT OF THE COL- LAPSE OF A BUILDING. PROVISIONS REFERRED TO IN AND MADE PART OF THIS FORM (No, 185) DESCRIPTION OF COVERAGE BY ITEMS (See Paragraph No. 10 for Extensions of Coverage) PAHAGAAPH NO. G. Item I (Building). Item I shall cover the described building, including additions in contact therewith, occupied principally for'dwell- ing house purposes; lawns; also, if the property of the owner of the described building and when not covered under an item other than the build- ing item of this or any other policy, building equipment, fixtures, fences and outdoor equipment, all pertaining to the service of the described premises and while located thereon; also, while located on the above described premises or adjacent tbereto, materials and supplies intended for use in con. struction, alterations or repairs of the structures covered hereunder. 7. Item III (Trees, Shrubs and Plants). Item III shall cover trees, shrubs and plants, EXCEPT THOSE GROWN FOR COMMERCIAL PURPOSES, ON THE DESCRIBED PREMISES, BUT THIS COMPANY SHALL NOT BE LIABLE FOR MORE THAN ITS PROPORTION OF TWO HUNDRED FIFTY DOLLARS ($250.00) ON ANY ONE TREE, SHRUB OR PLANT. 8. Item IV (Rental Value). Item IV shall cover, in the event of damage or destruction of the described property by a peril insured against, the fair rental value of the building (s) , or parts thereof, and, if rental property, as furnished and equipped by the owner or lessor, whether rented or not, for the period of time required with the exercise of due diligence and dispatch to restore the same to a tenantable condition, less such charges and expenses as do not continue. 9. Item V (Additional Living Expense). Item V shall cover, in the event of damage or destruction of the described property by a peril insured against, on the necessary increase in living expense incurred by the Insured to continue as nearly as practicable the normal standard of living of the Insured's household for the applicable period described in (a) or (b) below: (a) The time required, with the exercise of due diligence and dispatch, to repair or replace such damaged or destroyed property. (b) The time required for the Insured's household to become settled in any permanent quarters. THE LIMIT OF LIABILITY HEREUNDER SHALL IN NO EVENT EXCEED TWENTY-FIVE PER CENT (25ofa) OF THE AMOUNT OF ADDITIONAL LIV- ING EXPENSE INSURANCE FOR ANY ONE MONTH. THIS COMPANY SHALL NOT BE LIABLE FOR ADDITIONAL EXPENSE DUE TO THE CANCELLATION OF ANY LEASE, OR ANY WRITTEN OR ORAL AGREEMENT. EXTENSIONS OF COVERAGE 10. (a) t As respects Item 1, the Insured may apply, of the amount specified therefor, up to: (1) Ten per cent (10%) to cover private structures appertaining to the described premises and located thereon, BUT NOT (a) STRUCTURES USED IN WHOLE OR IN PART FOR COMMERCIAL, MANUFACTURING OR FARMING PURPOSES, NOR (b) ANY STRUCTURES (except structures used principally for private garage purposes) WHICH ARE WHOLLY RENTED OR LEASED TO OTHER THAN A TENANT OF THE DWELLING COVERED HEREUNDER; (2) Five per cent (57o) to cover trees, shrubs and plants on the described premises, SUBJECT HOWEVER TO THE PROVISIONS OF PARA- GRAPH 7 OF THIS FORM. (3) Ten per cent QWo) to cover (a) Rental Value of the described building with respect to any portion thereof not occupied by the Insured SUBJECT HOWEVER TO THE PROVISIONS OF PARAGRAPH 8 OF THIS FORM, and (b) Additional Living Expense with respect to any portion of the described building occupied by the Insured SUBJECT HOWEVER TO THE PROVISIONS OF PARAGRAPH 9 OF THIS FORM; BUT NOT TO EXCEED SAID TEN PER CENT (10%) FOR BOTH (a) AND (b) IN THE AGGREGATE. Ut is a condition of this insurance that in the event the Insured elects to apply the optional provisions relating to Item I, THIS COMPANY SHALL NOT BE LIABLE FOR A GREATER PROPORTION OF ANY LOSS THAN WOULD HAVE BEEN THE CASE IF ALL POLICIES COVERING THE DESCRIBED PROPERTY CONTAINED THESE IDENTICAL OPTIONAL PROVISIONS AND SIMILAR ELECTION WERE MADE UNDER ALL POLICIES. (b) As respects all Items: (1) This policy covers expenses incurred in the removal of all debris of the property covered hereunder which may be occasioned by loss caused by any of the perils insured against, EXCEPT EXPENSES OCCASIONED BY THE ENFORCEMENT OF ANY STATE OR MUNI- CIPAL LAW OR ORDINANCE WHICH NECESSITATES THE DEMOLITION OF ANY PORTION OF THE BUILDING COVERED HEREUNDER WHICH HAS NOT SUFFERED DAMAGE BY ANY OF THE PERILS INSURED AGAINST IN THIS POLICY UNLESS SUCH LIABILITY IS OTHER- WISE SPECIFICALLY ASSUMED BY THIS POLICY. PERMITS AND AGREEMENTS 11. (a) Control of Property: This insurance shall not be prejudiced by any act or neglect of the owner of the building if the Insured is not the owner thereof, or by any act or neglect of any occupant of the building (other than the named Insured), when such act or neglect of the owner or occupant is not within the control of the named Insured. (b) Description of Location: This insurance shall not be prejudiced if any error is made in describing the location of the property covered hereunder. (c) Increased Hazards: The policy condition suspending this insurance while the hazard is increased is hereby waived. (d) Permission to make repairs: In the event of loss hereunder, the Insured is permitted to make reasonable repairs, temporary or per- manent, provided such repairs are confined solely to the protection of the property from further damage and provided further that the Insured shall keep an accurate record of such repair expenditures. The cost of any such repairs directly attributable to damage from an insured peril shall be included in determining the amount of loss hereunder. Nothing herein contained is intended to modify the policy requirements applicable in case loss occurs, and in particular the requirement that in case loss occurs the Insured shall protect the prop- erty from further damage. (e) Subrogation: Permission is granted to release, by agreement made prior to any loss, any third party from liability for loss from the perils insured against due to any act or neglect of such -third party. (I) Vacancy and Unoccupancy: Permission is granted to remain vacant or unoccupied without limit of time, EXCEPT AS RESPECTS PERILS "E", "F", "G", "M", "N", "0". "P" AND "R" AS PROVIDED IN "Limitations and Exclusions" (SEE SUBPARAGRAPHS (3) AND (5) OF PARAGRAPH No. 5) AND EXCEPT AS PROVIDED IN ANY OTHER ENDORSEMENT ATTACHED TO THIS POLICY. APPORTIONMENT 12. THIS COMPANY SHALL NOT BE LIABLE FOR A GREATER PROPORTION OF ANY LOSS FROM ANY PERIL OR PERILS INCLUDED IN THIS FORM THAN (1) THE AMOUNT OF INSURANCE UNDER THIS POLICY BEARS TO THE WHOLE AMOUNT OF FIRE INSURANCE COVERING THE PROPERTY, OR WHICH WOULD HAVE COVERED THE PROPERTY EXCEPT FOR THE EXISTENCE OF THIS INSURANCE, WHETHER COLLECTIBLE OR NOT, AND WHETHER OR NOT SUCH OTHER FIRE INSURANCE COVERS AGAINST THE ADDITIONAL PERIL OR PERILS INSURED HEREUNDER, (2) NOR FOR A GREATER PROPORTION THAN THE AMOUNT HEREBY INSURED BEARS TO ALL INSURANCE WHETHER COLLECTIBLE OR NOT, COVERING IN ANY MANNER SUCH LOSS, OR WHICH WOULD HAVE COVERED SUCH LOSS EXCEPT FOR THE EXISTENCE OF THIS INSURANCE; EXCEPT IF ANY TYPE OF INSURANCE OTHER THAN FIRE WITH EXTENDED COVERAGE OR WINDSTORM INSURANCE APPLIES TO ANY LOSS TO WHICH THIS INSURANCE ALSO APPLIES, OR WOULD HAVE APPLIED TO ANY SUCH LOSS EXCEPT FOR THE EXISTENCE OF THIS INSURANCE, THE LIMIT OF LIABILITY OF EACH TYPE OF INSURANCE FOR SUCH LOSS, HEREBY DESIGNATED AS "JOINT LOSS," SHALL FIRST BE DETERMINED AS IF IT WERE THE ONLY IN- SURANCE, AND THIS TYPE OF INSURANCE SHALL BE LIABLE FOR NO GREATER PROPORTION OF J01NT LOSS THAN THE LIMIT OF ITS LIABILITY FOR SUCH LOSS BEARS TO THE SUM OF ALL SUCH LIMITS. THE LIABILITY OF THIS COMPANY (UNDER THIS FORM) FOR SUCH JOINT LOSS SHALL BE LIMITED TO ITS PROPORTIONATE PART OF THE AGGREGATE LIMIT OF THIS AND ALL OTHER INSURANCE OF THE SAME TYPE. THE WORDS "JOINT LOSS," AS USED IN THE FOREGOING, MEANS THAT PORTION OF THE LOSS IN EXCESS OF THE HIGHEST DEDUCTIBLE, IF ANY, TO WHICH THIS FORM AND OTHER TYPES OF INSURANCE ABOVE REFERRED TO BOTH APPLY. WAR RISK EXCLUSION 13. (As respects Peril "A"). THIS COMPANY SHALL NOT BE LIABLE FOR LOSS BY FIRE OR LIGHTNING, OR BY REMOVAL FROM PREMISES ENDANGERED BY EITHER OF THESE PERILS, CAUSED, DIRECTLY OR INDIRECTLY, BY: (a) ENEMY ATTACK BY ARMED FORCES, INCLUDING ACTION TAKEN BY MILITARY, NAVAL OR AIR FORCES IN RESISTING AN ACTUAL OR AN IMMEDIATELY IMPENDING ATTACK; (b) INVASION; (c) INSUR- Dcrrrnu. rJN DSDtCiiinNT. i_i DMInirrrrnra.-III r'Wu—%rrAD- __ t..N iIC[SDDM Dn[arcD 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 Concealment, fraud. This entire policy shall be void if, whether before or after a loss, the insured has wilfully concealed or mis- represented any material fact or circumstance concerning this insurance or the subject thereof, or the interest of the insured therein, or in case of any fraud or false swearing by the insured relating thereto. Uninsurable and excepted property. This policy shall not cover accounts, bills, currency, deeds, evidences of debt, money or securities; nor, unless specifically named hereon in writing, bullion or manuscripts. Perils not included. This company shall not be liable for loss by fire or other perils insured against in this policy caused, directly or indirectly, by: (a) enemy attack by armed forces, including action taken by military, naval or air forces in resisting an actual or an immediately impending enemy attack; (b) invasion; (c) insurrection; (d) rebellion; (e) revolution; (f) civil war; (g) usurped power; (h) order of any civil authority except acts of destruction at the time of and for the purpose of preventing the spread of fire, provided that such fire did not originate from any of the perils excluded by this policy; (i) neglect of the insured to use all reasonable means to save and preserve the property at and after a loss, or when the property is endangered by fire in neighboring premises; (j) nor shall this company be liable for loss by theft. Other insurance. Other insurance may be prohibited or the amount of insurance may be limited by endorsement attached hereto. Conditions suspending or restricting insurance. Unless otherwise provided in writing added hereto this company shall not be liable for loss occurring (a) while the hazard is increased by any means within the control or knowledge of the insured; or (b) while a described building, whether intended for occupancy by owner or tenant, is vacant or unoccupied beyond a period of 60 consecutive days; or (c) as a result of explosion or riot, unless fire ensue, and in that event for loss by fire only. Other perils or subjects. Any other peril to be insured against or subject of insurance to be covered in this policy shall be by endorsement in writing hereon or added hereto. Added provisions. The, extent of the application of insurance under this policy and of the contribution to be made by this com- pany in case of loss, and any other provision or agreement not in- consistent with the provisions of this policy, may be provided for in writing added hereto, but no provision may be waived except such as by the terms of this policy or by statute is subject to change. Waiver provisions. No permission affecting this insurance shall exist, or waiver of any provision be valid, unless granted herein or expressed in writing added hereto. No provision, stipulation or forfeiture shall be held to be waived by any requirement or proceeding on the part of this company relating to appraisal or to any examination provided for herein. Cancellation of policy. This policy shall be canceled at any time at the request of the insured, in which case this company shall, upon demand and surrender of this policy, refund the excess of paid premium above the customary short rates for the expired time. This policy may be canceled at any time by this company by giving to the insured a five days' written notice of cancellation with or without tender of the,excess of paid premium above the pro rata premium for the expired time, which excess, if not ten- dered, shall be refunded on demand. Notice of cancellation shall state that said excess premium (if not tendered) will be refunded on demand. Mortgagee interests and obligations. If loss hereunder is made payable, in whole or in part, to a designated mortgagee not named herein as the insured, such interest in this policy may be canceled by giving to such mortgagee a 10 days' written notice of cancellation. If the insured fails to render proof of loss such mortgagee, upon notice, shall render proof of loss in the form herein specified within sixty (60) days thereafter and shall be subject to the pro- visions hereof relating to appraisal and time of payment and of bringing suit. If this company shall claim that no liability existed as to the mortgagor or owner, it shall, to the extent of payment of loss to the mortgagee, be subrogated to all the mortgagee's rights of recovery, but without impairing mortgagee's right to sue; or it may pay off the mortgage debt and require an assign- ment thereof and of the mortgage. Other provisions relating to the interests and obligations of such mortgagee may be added hereto by agreement in writing. 80 Pro rafa liability. This company shall not be liable for a 81 greater proportion of any loss than the amount hereby insured 82 shall bear to the whole insurance covering the property against 83 the peril involved, whether collectible or not. 84 Requirements in case loss occurs. The insured shall give writ- 85 ten notice to this company of any loss without unnecessary de- 86 lay, protect the property from further damage, forthwith sepa- 87 rate the damaged and undamaged personal property, put it in 88 the best possible order, furnish a complete inventory of the de- 89 stroyed, damaged and undamaged property, showing in detail 90 quantities, costs, actual cash value and amount of loss claimed; 91 and within 60 days after the loss, unless such time is extended 92 in writing by this company, the insured shall render to this com- 93 pany a proof of loss, signed and sworn to by the insured, stating 94 the knowledge and belief of the insured as to the following: the 95 time and origin of the loss, the interest of the insured and of all 96 others in the property, the actual cash value of each item thereof 97 and the amount of loss thereto, all encumbrances thereon, all 98 other contracts of insurance, whether valid or not, covering any 99 of said property, any changes in the title, use, occupation, loca- 100 tion, possession or exposures of said property since the issuing of 101 this policy, by whom and for what purpose any building herein 102 described and the several parts thereof were occupied at the 103 time of loss and whether or not it then stood on leased ground, 104 and shall f urnish a copy of all the descriptions and schedules in 105 all policies and, if required and obtainable, verified plans and 106 specifications of any building, fixtures or machinery de- 107 stroyed or damaged. The insured, as often as may be reason. 108 ably required, shall exhibit to any person designated by this 109 company all that remains of any property herein described, and 110 submit to examinations under oath by any person named by this III company, and subscribe the same; and, as often as may be rea- 1 12 sonably required, shall produce for examination all books of 113 account, bills, invoices and other vouchers, or certified copies 114 thereof if originals be lost, at such reasonable time and place as 115 may be designated by this company or its representative, and 116 shall permit extracts and copies thereof to be made. 117 Appraisal. In case the insured and this company shall fail to 118 agree as to the actual cash value or the amount of loss, then, on 119 the written demand of either, each shall select a competent- and 120 disinterested appraiser and notify the other of the appraiser 121 selected within 20 days of such demand. The appraisers 122 shall first select a competent and disinterested umpire; and fail- 123 ing for 15 days to agree upon such umpire, then, on request of 124 the insured or this company, such umpire shall be selected by a 125 judge of a court of record in the state in which the property cov- 126 ered is located. The appraisers shall then appraise the loss, 127 stating separately actual cash value and loss to each item; and, 128 failing to agree, shall submit their differences, only, to the um-' 129 pire. An award in writing, so itemized, of any two when filed 130 with this company shall determine the amount of actual cash 131 value and loss. Each appraiser shall be paid by the party 132 selecting him and the expenses of appraisal and umpire shall 133 be paid by the parties equally. 134 Company's options. It shall be optional with this company to 135 take all, or any part, of the property at the agreed or appraised 136 value, and also to repair, rebuild or replace the property 137 destroyed or damaged with other of like kind and quality 138 within a reasonable time, on giving notice of its intention so to 139 do within 30 days after the receipt of the proof of loss herein 140 required. 141 a Abandonment. There can be no abandonment to this com- 142 pany of any property. 143 When loss payable. The amount of loss for which this com- 144 pany may be liable shall be payable 60 days after proof of 145 loss, as herein provided, is received by this company and ascer- 146 tamment of the loss is made either by agreement between the 147 insured and this company expressed in writing or by the filing 148 with this company of an award as herein provided. 149 Suit. No suit or action on this policy for the recovery of any 150 claim shall be sustainable in any court of law or equity unless 151 all the requirements of this policy shall have been complied 152 with, and unless commenced within 12 months next after 153 inception of the loss. 154 Subrogation. This company may require from the insured 155 an assignment of all right.of recovery against any party for 156 loss to the extent that payment therefor is made by this 157 company.