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Home My WebLink About000103.tiff Standard Fire Insurance Policy Jacket Policy Provisions—Part 1 Form 4205 X THE HARTFORD E E ORD s POLICY NO. 83 XLS SD2617• COLORADO O0UNTTFS CASUALTY & _ PROPERTY POOL (SEE FORM L5040-0(A)) —> ' 1177 GRANT ST. DENVER, CO 80203 . The member company of THE HARTFORD INSURANCE GROUP, 07_01_87 07-01-88 1 Hartford,Connecticut,designated on the Declarations page as the Insurer,(a stock insurance company, herein called the company) —1 Inception (Mo. Day Yr.) Expiration (Mo. Day Yr.) Year IN CONSIDERATION OF THE PROVISIONS AND STIPULATIONS HEREIN OR ADDEO HERETO AND OF the premium, this Company, for the term of years from Inception date At Noon (Standard Time) to expiration date At Noon' (Standard Time) at location of property involved, to an amount not exceeding the amount(s) specified in the Declarations, does insure the insured named in the Declarations 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 DIRECT 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 herein while located or contained as described in this policy, or pro rata 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. ('Policy Period Exception — In Oregon, the words "12:01 A.M." are substituted for "noon", as required by statute.) Assignment of this policy shall not be valid except with the written consent of this Company. This policy is made and accepted sub'ect 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. ,urciaisaa vrasy Trot$ cnuorseo Hereon vrRooeo meter°. , yy�y� c _ vta+r�.�f.c .rv•w. #A4uyYFOOPMiY•l ,y'^"3"Ha��° "R✓..��T.Fi..srx: PRO- '� IE{0$ f pp0EE A D TI �F OP R VER - �y Rg,• RO�C0A0'$ AMR P OO �Apckp� RpMTpUelinC-TYPE oFR MALNO CHEPANTAICr F RINIV 1�p I ED IR CONTNNINO : TECTION N WNETN MAIiUFACYUREfl WN LESIIIER,OR BETNLFA4 011 THE SEfl�CE OR�CTIVI7Y INVOIVm CIASS j I ,IF,FARM PROPERTY STATE IFrOWOER Q(1 TEIIAN.L._ ,_EO A",� - .a tO -"''Y'pik' +i'�' 'iIX;2 ca r •;•.- ,r.LI 1. COVERING REAL & PERSONAL PROPERTY EXTRA EXPENSE, EDP EQUIPMENT INCLUDING MEDIA & EXTRA EXPENSE, VALUABLE PAPERS, MOBTT,F EQUIPMENT, AUTOMOETT,F PHYSICAL DAMAGE AND FINE ARTS PER THE STATEMENT OF VALUES ON FILE WITH THIS COMPANY. • SPECIAL STATE PROVISIONS: South Carolina Valuation Clause or Mississippi Total Insurance—See Form Attached: Item 1, $ ; Item 2,S : Item 3, $ ; Item 4, $ t44u � �ggp� Ag�g , p•x•4r..M,vp�v�psT✓Q,r+,�s _ ..:PREPMO OR IH' INSTALLMENT -. NM -.mono" IP1NN Cp ryyNRAO $�pflpylDEO I WAND AMLaili BRAN& w �1�' I EMIUM DUE PRpANM DUE wA7-, PURR rMAE CN ' lF r,�..3ekwy: r'r Ik K AT INCEPRON .*"x AT„FACII ANNIVERSARY :) 1, Fire and Lightning SEE Shah, $50,000,000. V $160,138. $ — Extended Coverage FORM FORM XXXX A R ALL RISK EXCLUDING I FLOOD & EARTHQUAKE 0 U S Sub)ec'o or�{rr Na. s ;Attached He si !serf Poi "Numbers and Edrpon Date s)� TOTAL(S) $160,138. $ b.W� �e S? ,�„�� : — ota rennin EXCESS PROPERTY INSURANCE FORM (0888) L5040-0 (A—D) For Policy Term Paid $ — In Installments a Mortgage C c'''''''..°6(uu_ _bye ow.,tne prow.slonnss oft esmor gage claus'e'attached hereto lossii an on'bu dingm shall be payable to N 0890t • s:pserf f�ame(; o/, of agee(s)•andXl4�l ng Andress e6))_ 4., aA AA x nl*,.; 5 , r„. PM/i -22-87 103 Countersignature Date Agency at Agent Form PPF-636-3 HS Printed in U.S.A. • • Standard Fire Insurance Policy for Alabama, Alaska, Arizona, Arkansas, Colorado,.Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming. STATE EXCEPTIONS KANSAS—The words"demand and"in line 58 and"on demand"in lines 65 and 67 are deleted.The words"twelve months"in line 161 are changed to"sixty months". MAINE,NEW YORK,VIRGINIA—The words"twelve months"in line 161 are changed to"two years". MAINE,WISCONSIN AND FLORIDA—The words"five days"in line 62 are changed to"ten days". MISSOURI—Except with respect to cancellation because of non-payment of premium,misrepresentation,or evidence of incendiarism,lines 60 through 67 of the Standard Fire Policy are amended as follows:"This policy maybe cancelled,not renewed,reduced in amount or adversely modified at any time by this Company by giving to the insured a thirty days written notice of cancellation,non-renewal,reduction in amount or adverse modification with or without tender of the excess of paid premium above the pro rata premium for the expired time,which excess,if not tendered,shall be refunded on demand". NORTH CAROLINA, NORTH DAKOTA —The words "twelve months" in line 161 are changed to "three years". WYOMING —The words "sixty days" in line 151 are changed to "forty-five days" and the words "twelve months" in line 161 are changed to "four years". NUCLEAR CLAUSE—(Not Applicable in New York): The word "lire" in this policy or endorsements attached hereto is not intended to and does not embrace nuclear reaction or nuclear radiation or radioactive contamination, all whether controlled or uncontrolled,and loss by nuclear reaction or nuclear radiation or radioactive contamination is not intended to be and is not insured against by this policy or said endorsements,whether such loss be direct or indirect,proximate or remote,or be in whale or in part caused by,contributed to,or aggravated by"fire"or any other perils insured against by this policy or said endorsements; however,subject to the foregoing and all provisions of this policy,direct loss by"fire" resulting from nuclear reaction or nuclear radiation or radioactive contamination is insured against by this policy. 1 Concealment, This entire policy shall be void it, whether 84 re:ating to the interests anc ou'ugatmns o- suc-i mci.gabec may 2 fraud. before or after a loss, the insured has wil- 85 be added hereto by agreement in writing. 3 fully concealed or misrepresented any ma- 86 Pro rata liability. This Company shall not be liable for a greater 4 terial fact or circumstance concerning this insurance or the 87 proportion of any loss than the amount 4• 5 subject thereof, or the interest of the insured therein, or in case 88 hereby insured shall bear to the whole insurance covering the 6 of any fraud or false swearing by the insured relating thereto. 89 property against the peril involved, whether collectible or not. 4 7 Uninsurable This policy shall not cover accounts, bills, 90 Requirements In The insured shall give immediate written S and currency,deeds,evidences of debt,money or 91 case loss occurs. notice to this Company of any loss, protect 9 excepted property. securities; nor, unless specifically named 92 the property from further damage,forthwith 10 hereon in writing, bullion or manuscripts. 93 separate the damaged and undamaged personal property, put 11 Perils not This Company shall not be liable for loss by 94 it in the best possible order, furnish a complete inventory of 12 included. fire or other perils insured against in this 95 the destroyed, damaged and undamaged property, showing in 13 policy caused,directly or indirectly, by: (a) 96 detail quantities, costs, actual cash value and amount of loss 14 enemy attack by armed forces, including action taken by mill- 97 claimed;and within sixty days after the loss,unless such time 15 tary, naval or air forces in resisting an actual or an immediately 98 is extended in writing by this Company,the insured shall render 16 impending enemy attack; (b) invasion; (c) insurrection; (d) 99 to this Company a proof of loss, signed and sworn to by the 17 rebellion; (e) revolution; (f)civil war; (g) usurped power; (h) 100 insured, stating the knowledge and belief of the insured as to 18 order of any civil authority except acts of destruction at the time 101 the following: the time and origin of the loss, the interest of the 19 of and for the purpose of preventing the spread of fire, provided 102 insured and of all others in the property,the actual cash value of 20 that such fire did not originate from any of the perils excluded 103 each item thereof and the amount of loss thereto, all encum- 21 by this policy; (i) neglect of the insured to use all reasonable 104 brances thereon, all other contracts of insurance, whether valid 22 means to save and preserve the property at and after a loss, or 105 or not, covering any of said property, any changes in the title, 23 when the property is endangered by fire in neighboring prem- 106 use, occupation, location, possession or exposures of said prop- 24 ises; (j) nor shall this Company be liable for loss by theft. 107 erty since the issuing of this policy, by whom and for what 25 Other Insurance. Other insurance may be prohibited or the 108 purpose any building herein described and the several parts 26 amount of insurance may be limited by en- 109 thereof were occupied at the time of loss and whether or not it 27 dorsement attached hereto. 110 then stood on leased ground, and shall furnish a copy of all the 28 Conditions suspending or restricting insurance. Unless other- 111 descriptions and schedules in all policies and, if required, verified 29 wise provided in writing added hereto this Company shall not 112 plans and specifications of any building, fixtures or machinery 30 be liable for loss occurring 113 destroyed or damaged. The insured, as often as may be reason- 31 (a) while the hazard is increased by any means within the con- 114 ably required, shall exhibit to any person designated by this 32 trol or knowledge of the insured; or 115 Company all that remains of any property herein described, and 33 (b) while a described building, whether intended for occupancy 116 submit to examinations under oath by any person named by this 34 by owner or tenant, is vacant or unoccupied beyond a period of 117 Company, and subscribe the same; and, as often as may be 35 sixty consecutive days; or 118 reasonably required, shall produce for examination all books of 36 (c) as a result of explosion or riot, unless fire ensue, and in 119 account, bills, invoices and other vouchers, or certified copies 37 that event for loss by fire only. 120 thereof if originals be lost, at such reasonable time and place as 38 Other perils Any other peril to be insured against or sub- 121 may be designated by this Company or its representative, and 39 or subjects. ject of insurance to be covered in this policy 122 shall permit extracts and copies thereof to be made. 40 shall be by endorsement in writing hereon or 123 Appraisal. In case the insured and this Company shall 41 added hereto. 124 fail to agree as to the actual cash value or 42 Added provisions. The extent of the application of insurance 125 the amount of loss, then, on the written demand of either, each 43 under this policy and of the contribution to 126 shall select a competent and disinterested appraiser and notify 44 be made by this Company in case of loss, and any other pro- 127 the other of the appraiser selected within twenty days of such 45 vision or agreement not inconsistent with the provisions of this 128 demand. The appraisers shall first select a competent and dis- 46 policy, may be provided for in writing added hereto, but no pro- 129 interested umpire: and failing for fifteen days to agree upon 47 vision may he waived except such as by the terms of this policy 130 such umpire, then, on request of the insured or this Company, 48 is subject to change. 131 such umpire shall be selected by a judge of a court of record in 49 Waiver No permission affecting this insurance shall 132 the state in which the property covered is located. The ap- 50 provisions. exist, or waiver of any provision be valid, 133 praisers shall then appraise the loss, stating separately actual 51 unless granted herein or expressed in writing 134 cash value and loss to each item; and, failing to agree, shall 52 added hereto. No provision, stipulation or forfeiture shall be 135 submit their differences, only,to the umpire. Ah award in writ- 53 held to be waived by any requirement or proceeding on the part 136 ing, so itemized, of any two when filed with this Company shall 54 of this Company relating to appraisal or to any examination 137 determine the amount of actual cash value and loss. Each . 55 provided for herein. 138 appraiser shall be paid by the party selecting him and the ex- 56 Cancellation This policy shall be cancelled at any time 139 penses of appraisal and umpire shall be paid by the parties 57 of policy. at the request of the insured, in which case 140 equally. 58 this Company shall, upon demand and sur- 141 Company's It shall be optional with this Company to 59 render of this policy, refund the excess o1 paid premium above 142 options. take all, or any part, of the property at the 60 the customary short rates for the expired time. This pot- 143 agreed or appraised value, and also to re- 61 icy may be cancelled at any time by this Company by giving 144 pair, rebuild or replace the property destroyed or damaged with 62 to the insured a five days' written notice of cancellation with 145 other of like kind and quality within a reasonable time, on giv- 63 or without tender of the excess of paid premium above the pro- 146 ing notice of its intention so to do within thirty days after the 64 rata premium for the expired time, which excess, if not ten- 147 receipt of the proof of loss herein required. 65 dered, shall be refunded on demand. Notice of cancellation shall 148 Abandonment. There can be no abandonment to this Com- • 66 state that said excess premium (if not tendered) will be re- 149 pany of any property. 67 funded on demand. 150 When loss The amount of loss for which this Company 68 Mortgagee If loss hereunder is made payable,in whole 151 payable. may be liable shall be payable sixty days 69 interests and or in part, to a designated mortgagee not 152 after proof of loss, as herein provided, is 70 obligations. named herein as the insured,such interest in 153 received by this Company and ascertainment of the loss is made 71 this policy may be cancelled by giving to such 154 either by agreement between the insured and this Company ex- 72 mortgagee a ten days' written notice of can- 155 pressed in writing or by the filing with this Company of an 73 cellation. • 156 award as herein provided. 74 If the insured fails to render proof of loss such mortgagee, upon 157 Suit. No suit or action on this policy for the recov- 75 notice, shall render proof of loss in the form herein specified 158 ery of any claim shall be sustainable in any 76 within sixty (60) days thereafter and shall be subject to the pro- 159 court of law or equity unless all the requirements of this policy 77 visions hereof relating to appraisal and time of payment and of 160 shall have been complied with, and unless commenced within 78 bringing suit. If this Company shall claim that no liability ex- 161 twelve months next after inception of the loss. 79 isted as to the mortgagor or owner, it shall, to the extent of pay- 162 Subrogation. This Company may require from the insured 80 ment of loss to the mortgagee, be subrogated to all the mart- 163 an assignment of all right of recovery against 81 gagee's rights of recovery, but without impairing mortgagee's 164 any party for loss to the extent that payment therefor is made 82 right to sue; or it may pay off the mortgage debt and require 165 by this Company. 83 an assignment thereof and of the mortgage. Other provisions 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 at the agency hereinbefore mentioned. Michael S. Wilder,Secretary Page 2 DeRoy C. Thomas,President Form 4205 Printed in U.S.A. i orompletes the below numbered STANDARD FIRE INSURANCE POLICY. 17 • a m Hartford Fire Insurance Company 'g m Hartford Casualty Insurance Company 26 THE HARTFORD ,_;m Hartford Accident and Indemnity Company ,m Twin City Fire Insurance Company SD ' Hartford Plaza, Hartford, Connecticut 06115 XT_83 Pith,Ir5URER_3ha11 be the Company rteE�..{{ CC Co. Code Idesignated herelyCd code � �, �' � POLICY No. 83 XLS SD2617 iu`A tr.#k' '' is ,4470i�`. 1 Previous Policy No. COLORADO COUNTIES CASUALTY & DECLARATIONS 83 XLS SD2154 PROPERTY PCOL (SEE FORM L5040-0(A) ) Insured's Name and Mailing Address 1 ' 1177 GRANT ST. (Number, Street, Town or City, County, State, Zip Code) DENVER, CO 80203 Policy Term 1 07-01-87 07-01-88 1 F Producer's Name and Address Producer's Code —1 Inception (Mo. Day Yr.) Expiration (Mo. Day Yr.) Years INTERNATIONAL SPECIAL 510254 RISK SERVICES, INC 10 GOULD CENTER TR & FI� ,O '. ROLLING MEADOWS, IL 60008 L (AU ORIZED REPRESENTAT 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. Insurance Is Provided Against Only Those Perils And For Only Those Coverages Indicated Below By A Premium Charge And Against Other Perils And For Other Coverages Only When Endorsed Hereon Or Added Hereto. ��P 11O pE RlI1P71p0ENgg'A�p0 St_ Ng� ,P�RpOP RTgY�-COVELRpEg fl. Cp �yp�� Cq� p rg� �p NOM :PI P COVEflEO?' TE E%ACT iti PI1000CT(AND WNEiNER M FACYUREq WNOIEtta Vi XET ZR)ON TIIILE SEPNCE�o ICCU ITY INVOLVED ggN1 1F,FARM PROPERTY,:STATE IF,0 sEn:OR.TENANT_000U EO.,;, t. ,1 ,+"„`,:Y,�.1.{,7R2,' 'r'"tr.�.d'f':'� '. SP '"42F''%` .s. -:-z,v,�+ ..b#rk -.4 . 7 1. COVERING REAL & PERSONAL PROPERTY EXTRA EXPENSE, EDP EQUIPMENT INCLUDING MEDIA & EXTRA EXPENSE, VALUABLE PAPERS, MOBTT,P EQUIPMENT, AUTOMOBILE PHYSICAL DAMAGE AND FINE ARTS PER THE STATEMENT OF VALUES ON FILE WITH THIS COMPANY. • SPECIAL STATE PROVISIONS: South Carolina Valuation Clause or Mississippi Total Insurance—See Form Attached: Item 1, $ : Item 2, S : Item 3, $ ; Item 4,$ 4 n a r,y.^.5� :.,:• r<,� PREPAID DR r INSTALLMENT ' t. ^�ppEERIu8 INSUR 0 BAINST �m en.p FNT OF �: pEDI:MIKE W OF ., RATE , INSTALLMENT":" PREMIUM DUE • M s'AND COEEAME.. WOVIDED S ': P&CE T D sw .tMYOURTi UMNCE ,P�' .F, '5i F�xb7 ALMIDIFDIIBP: AT EACH ANNIVERSARY ,. Grr ,ONSEHI;f1AME �FACH) ,xY. , . - 1. Fire and Lightning SFF. SEE $50,000,000. V $160,138. $ — Extended Coverage FORM FORM XXXX A R ALL RISK EXCLUDING I FLOOD & EARTHQUAKE 0 U S Ssub)ectto iorm,(.lyo` sj'"Attached-Her'i°4o QO4i Form' irtier(sjarid'Edibo 'Dpte(sjA TOTAL(S) $160,138. $ — ", otal Premium EXCESS PROPERTY INSURANCE FORM (0888) 15040-0 (A—D) For Policy Term Paid $ — In Installments Mortgag sClpuse ,S&utij tf' theyrovisions ot'the mortgage clause attached hereto loss It y'� builditg Items shall b)e payable to: 0890t Insert Tlame(s} reyortgagee(s)encraai g Atldress es));L, '3 a.-. "s;-4 '.udr ..+1a1'�u3A'.".,. c-a :,.,-,3:;t"tie . _3 PM/_.,-22-87 Countersignature Date Agency at Agent Form PPF-636-3 HS Printed in U.S.A. EXCESS PROPERTY INSURANCE FORM Policy Number: 83 XLS SD2617 Effective Date: 07-01-87 Named Insured: COLORADO COUNTIES CASUALTY & PROPERTY POOL (SEE ENDORSEMENT L5040-0 (A) THE INCLUSION OF MORE THAN ONE NAMED INSURED SHALL NOT INCREASE THE LIMITS UNDER THIS POLICY. INSURING AGREEMENT: IN CONSIDERATION OF THE PAYMENT OF PREMIUM AND IN COMPLIANCE WITH ALL OF THE TERMS AND CONDITIONS OF THIS POLICY, THIS COMPANY DOES INSURE THE NAMED INSURED OR LEGAL REPRESENTATIVES AGAINST ALL RISKS OF DIRECT PHYSICAL LOSS OR DAMAGE TO THE COVERED PROPERTY FROM ANY EXTERNAL CAUSE EXCEPT AS IS EXCLUDED. LIMITS OF LIABILITY: THIS COMPANY SHALL NOT BE LIABLE UNDER THIS POLICY FOR MORE THAN $50,000,000. WHICH IS THIS COMPANY'S PRO RATA SHARE, BEING 100%, OF THE "ULTIMATE NET LOSS" OF $50,000,000. IN EXCESS OF THE TOTAL AMOUNT OF UNDERLYING INSURANCE OF $500,000. FOR LOSS OR DAMAGE TO PROPERTY COVERED HEREUNDER ARISING FROM ANY ONE LOSS OR DISASTER, FOR ALL COVERAGES AND LOCATIONS COMBINED, NOR FOR MORE THAN: 1. $140 COVERAGE IN THE AGGREGATE ANNUALLY AS RESPECTS LOSS OR DAMAGE ARISING FROM "FLOOD", NOR 2. $N0 COVERAGE IN THE AGGREGATE ANNUALLY AS RESPECTS LOSS OR DAMAGE ARISING FROM "EARTHQUAKE". SPECIAL CONDITIONS: THE FOLLOWING SPECIAL CONDITIONS SHALL APPLY: 1. THE TOTAL AMOUNT OF UNDERLYING INSURANCE STATED ABOVE SHALL BE DEEMED APPLICABLE WHETHER OR NOT SUCH TOTAL AMOUNT OF UNDERLYING INSURANCE IS IN FORCE OR COLLECTIBLE. 2. IN THE EVENT OF REDUCTION OR EXHAUSTION OF ANY AGGREGATE LIMITS OF LIABILITY OF ANY POLICY PROVIDING UNDERLYING INSURANCE TO THIS POLICY, BY REASON OF LOSSES PAID OR INCURRED THEREUNDER, THIS POLICY SHALL APPLY AS IF THERE WAS NO REDUCTION OR EXHAUSTION IN LIMITS OF POLICIES. DEFINITIONS: ULTIMATE NET LOSS, AS USED HEREIN, SHALL MEAN THE LOSS SUSTAINED BY THE NAMED INSURED AFTER MAKING DEDUCTIONS FOR ALL RECOVERIES AND SALVAGES AND RECOVERIES FROM ANY SOURCE OTHER THAN THIS POLICY AND THE UNDERLYING INSURANCE AND EXCESS INSURANCE POLICIES, BUT IN NO EVENT SHALL THE ULTIMATE NET LOSS EXCEED: 1. THE COST TO REPAIR, REBUILD OR REPLACE THE DESTROYED OR DAMAGED PROPERTY IN A CONDITION EQUAL TO BUT NOT SUPERIOR TO OR MORE EXTENSIVE THAN ITS CONDITION WHEN NEW. IF THE ASSURED DECIDES TO REPLACE DESTROYED OR DAMAGED PROPERTY ON ANOTHER SITE, COST OF SUCH SITE IS NOT INCLUDED HEREUNDER. 2. THE INSURABLE INTEREST OF THE INSURED. 3. LIMIT OF LIABILITY APPLYING UNDER THIS POLICY. 0888 1 of 5 83 XLS SD2617 • 2. "EARTHQUAKE", AS USED HEREIN, MEANS EARTHMOVEMENT, EARTHQUAKE, LANDSLIDE, EARTH SINKING, RISING OR SHIFTING, INCLUDING COLLAPSE, CRACKING OR SHIFTING OF BUILDINGS, STRUCTURES, OR THEIR PARTS, CAUSED • BY, RESULTING FROM, CONTRIBUTED TO OR AGGRAVATED BY "EARTHQUAKE" AND VOLCANIC ERUPTION, EXPLOSION OR EFFUSION, ALL OCCURRING DURING ANY PERIOD OF SEVENTY-TWO (72) CONSECUTIVE HOURS DURING THE TERM OF THIS POLICY. 3. "FLOOD", AS USED HEREIN, MEANS: a. FLOOD, SURFACE WATER, WAVES, TIDAL WATER OR TIDAL WAVE, OVERFLOW OR STREAMS OR OTHER BODIES OF WATER, OR SPRAY FROM ANY OF THE FOREGOING, ALL WHETHER DRIVEN BY WIND OR NOT; b. WATER WHICH BACKS UP THROUGH SEWERS OR DRAINS; c. MUDSLIDE OR MUD FLOW; d. WATER BELOW THE SURFACE OF THE GROUND INCLUDING THAT WHICH EXERTS PRESSURE ON OR FLOWS, SEEPS OR LEAKS THROUGH SIDEWALKS, DRIVEWAYS, FOUNDATIONS, WALLS, BASEMENTS OR OTHER FLOORs, OR THROUGH DOORs, WINDOWS OR OTHER OPENINGS IN SUCH SIDEWALKS, DRIVEWAYS, FOUNDATIONS, WALLS OR FLOORs. COVERAGE: EXCEPT AS IS PROVIDED FOR IN THIS ENDORSEMENT, THIS POLICY INSURES ONLY AGAINST LOSS OR DAMAGE AS PER THE PROVISIONS AND STIPULATIONS OF FORM 0011/JAN 86, GENERAL INSURANCE AGREEMENT OF PAGES 2 THRU 5, SECTION I - PROPERTY INSURANCE ON PAGES 5 THRU 8, SECTION IV - GENERAL CONDITIONS ON PAGES 18 THRU 22 OF THE UNDERLYING INSURANCE POLICY SHOWN BELOW, INCLUDING RENEWALS, EXCEPT AS IS PROVIDED FOR HEREIN AND IN THE FOLLOWING EXCEPTIONS TO THE ABOVE MENTIONED SECTIONS OF THE UNDERLYING INSURANCE POLICY: 1. ANY PROVISIONS RELATING TO THE "AGGREGATE LOSS FUND", "ASSURED'S LOSS FUND", OR "AGGREGATE AGREEMENT" ARE DELETED £OR THE PURPOSES OF THIS INSURANCE. 2. SUBSECTION III OF THE GENERAL INSURANCE AGREEMENTS, ENTITLED "TERRITORY" IS REPLACED WITH THE FOLLOWING: TERRITORY THIS POLICY COVERS PROPERTY INSURED WITHIN THE 50 STATES OF THE UNITED STATES OF AMERICA, THE DISTRICT OF COLUMBIA AND CANADA. 3. SUBSECTION V OF THE GENERAL INSURANCE AGREEMENTS, ENTITLED "SERVICE ORGANIZATION", IS DELETED FOR THE PURPOSES OF THIS INSURANCE. 4. This POLICY DOES NOT INSURE AGAINST: A. LOSS OR DAMAGE CAUSED DIRECTLY OR INDIRECTLY BY: 1. HOSTILE OR WARLIKE ACTION IN TIME OF PEACE OR WAR, INCLUDING ACTION IN HINDERING, COMBATING OR DEFENDING AGAINST ACTUAL, IMPENDING OR EXPECTED ATTACK, BY: a. ANY GOVERNMENT OR SOVEREIGN POWER (DE JURE OR DE FACTO), OR BY ANY AUTHORITY MAINTAINING OR USING MILITARY, NAVAL OR AIR FORCES; b. MILITARY, NAVAL OR AIR FORCES; OR c. AN AGENT OF ANY SUCH GOVERNMENT, POWER, AUTHORITY OR FORCES, IT BEING UNDERSTOOD THAT ANY DISCHARGE, EXPLOSION OR USE OF ANY WEAPON OF WAR EMPLOYING NUCLEAR FISSION OR FUSION SHALL BE CONCLUSIVELY PRESUMED TO BE SUCH A HOSTILE OR WARLIKE ACTION BY SUCH GOVERNMENT, POWER, AUTHORITY OR FORCES; 0888 2 o£ 5 83 XLS SD2617 2. INSURRECTION, REBELLION, REVOLUTION, CIVIL WAR, USURPED POWER, OR • ACTION TAKEN BY GOVERNMENTAL AUTHORITY IN HINDERING, COMBATING OR DEFENDING AGAINST SUCH AN OCCURRENCE; B. LOSS OR DAMAGE CAUSED DIRECTLY OR INDIRECTLY BY NUCLEAR REACTION OR NUCLEAR RADIATION RADIOACTIVE CONTAMINATION ALL WHETHER CONTROLLED OR UNCONTROLLED AND WHETHER SUCH LOSS BE DIRECT OR INDIRECT, PROXIMATE OR REMOTE, OR BE IN WHOLE OR IN PART CAUSED BY, CONTRIBUTED TO, OR AGGRAVATED BY THE PERILS INSURED AGAINST IN THIS POLICY; HOWEVER, SUBJECT TO THE FOREGOING AND ALL PROVISIONS OF THIS POLICY, DIRECT LOSS BY FIRE RESULTING FROM NUCLEAR REACTION OR NUCLEAR RADIATION OR RADIOACTIVE CONTAMINATION IS INSURED AGAINST BY THIS POLICY; C. LOSS OR DAMAGE TO STEAM BOILERS, STEAM PIPES, STEAM TURBINES OR STEAM ENGINES, CAUSED BY ANY CONDITION OR OCCURRENCE WITHIN SUCH BOILERS, PIPES, TURBINES OR ENGINES (EXCEPT DIRECT LOSS RESULTING FROM THE EXPLOSION OF ACCUMULATED GASES OR UNCONSUMED FUEL WITHIN THE FIREBOX, OR COMBUSTION CHAMBER, OF ANY FIRED VESSEL OR WITHIN THE FLUES OR PASSAGES WHICH CONDUCT THE GASES OF COMBUSTION THEREFROM); D. LOSS OR DAMAGE CAUSED BY EXPLOSION OF STEAM BOILERS, STEAM PIPES, STEAM TURBINES OR STEAM ENGINES (EXCEPT DIRECT LOSS RESULTING FROM THE EXPLOSION OF ACCUMULATED GASES OR UNCONSUMED FUEL WITHIN THE FIREBOX OR COMBUSTION CHAMBER, OF ANY FIRED VESSEL OR WITHIN THE FLUES OR PASSAGES WHICH CONDUCT THE GASES OF COMBUSTION THEREFROM), IF OWNED BY, LEASED BY OR OPERATED UNDER THE CONTROL OF THE NAMED INSURED, OR FOR ANY ENSUING LOSS OR DAMAGE EXCEPT BY FIRE OR EXPLOSION NOT EXCLUDED IN THIS POLICY AND THEN THIS COMPANY SHALL BE LIABLE FOR ONLY SUCH ENSUING LOSS OR DAMAGE; E. LOSS OR DAMAGE TO HOT WATER BOILERS OR OTHER EQUIPMENT FOR HEATING WATER CAUSED BY ANY CONDITION OR OCCURRENCE WITHIN SUCH BOILERS OR EQUIPMENT, OTHER THAN AN EXPLOSION; F. LOSS OR DAMAGE CAUSED BY, RESULTING FROM, CONTRIBUTED TO OR AGGRAVATED BY THE FOLLOWING, REGARDLESS OF ANY OF THE TERMS OR THIS POLICY THAT MIGHT BE INTERPRETED OTHERWISE: 1. ACTS, ERRORS OR OMISSIONS (WHETHER BY THE NAMED INSURED OR OTHERS) IN: a. PLANNING, ZONING, DEVELOPING, SURVEYING OR SITING PROPERTY; b. ESTABLISHING OR ENfORCING ANY BUILDING CODE, OR ANY STANDARD, ORDINANCE OR LAW REGULATING THE CONSTRUCTION, USE OR REPAIR OF ANY PROPERTY OR MATERIALS, OR REQUIRING THE TEARING DOWN OF ANY PROPERTY, INCLUDING THE REMOVAL OF DEBRIS; c. THE DESIGN, SPECIFICATIONS, WORKMANSHIP, REPAIR, CONSTRUCTION, RENOVATION, REMODELING, GRADING OR COMPACTION OF ALL OR ANY PART OF THE FOLLOWING FACILITIES: (1) BUILDINGS OR STRUCTURES; (2) IMPROVEMENTS OR CHANGES IN OR ADDITIONS TO LAND OR OTHER PROPERTY; OR (3) ROADS, WATER MAINS, SEWERS, DRAINAGE DITCHES, LEVEES, DAMS, OR OTHER FACILITIES; d. THE FURNISHING OF WORk, MATERIALS, PARTS OR EQUIPMENT IN CONNECTION WITH THE DESIGN, SPECIFICATIONS, WORKMANSHIP, REPAIR, CONSTRUCTION, RENOVATION, REMODELING, GRADING OR COMPACTION OF ANY SUCH PROPERTY OR FACILITIES; OR 0888 3 of 5 83 XLS SD2617 e. THE MAINTENANCE OF ANY OF SUCH PROPERTY OR FACILITIES, ALL WHETHER OR NOT THE PROPERTY OR FACILITIES ARE: (1) COVERED UNDER THIS POLICY; OR (2) ON OR AWAY FROM THE PREMISES COVERED HEREUNDER. THE EXCEPTION OF THIS PERIL SHALL NOT REDUCE THE INSURANCE FOR A LOSS CAUSED DIRECTLY BY ANY OTHER PERIL NOT EXCLUDED IN THIS POLICY. 5. THIS POLICY DOES NOT INSURE: A. LOSS RESULTING FROM INTERRUPTION OF BUSINESS OR OTHER CONSEQUENTIAL LOSS UNLESS SPECIFICALLY ENDORSED ONTO THE UNDERLYING POLICY AND, IF SUCH ENDORSEMENT IS DATED AFTER THE INCEPTION DATE OF THIS POLICY, SPECIFICALLY ENDORSED ONTO THIS POLICY. B. LAND, LAND VALUES, TREES, SHRUBS, LAWNS, GROWING CROPS. C. WATERCRAFT, INCLUDING MOTORS, EQUIPMENT AND ACCESSORIES. D. WATERBORN SHIPMENTS. E. JEWELRY, WATCHES, WATCH MOVEMENTS, JEWELS, PEARLS, PRECIOUS OF SEMI-PRECIOUS STONES, PRECIOUS METALS, FINE ARTS AND FURS UNLESS SPECIFICALLY ENDORSED ONTO THE UNDERLYING POLICY AND, IF SUCH ENDORSEMENT IS DATED AFTER THE INCEPTION DATE OF THIS POLICY, SPECIFICALLY ENDORSED ONTO THIS POLICY. 6. SUBSECTION 2.OF SECTION I-CONDITIONS, ON PAGE 8, ENTITLED DEBRIS REMOVAL, IS REPLACED BY THE FOLLOWING: 2. DEBRIS REMOVAL: THIS POLICY COVERS EXPENSE INCURRED IN THE REMOVAL OF DEBRIS OF THE PROPERTY COVERED HEREUNDER CAUSED BY A PERIL NOT OTHERWISE EXCLUDED, EXCEPT THAT THIS COMPANY SHALL NOT BE LIABLE UNDER THIS POLICY FOR THE EXPENSE OF REMOVAL, DISPOSAL, DECONTAMINATION OR REPLACEMENT OF ANY PERSONAL PROPERTY DISCHARGED OR RELEASED BY ANY MEANS INTO OR UPON ANY WATER-COURSE, BODY OF WATER, UNDERGROUND AQUIFER, OR WELL. THE "ULTIMATE NET LOSS" FOR LOSS OR DAMAGE TO PROPERTY AND EXPENSES, INCLUDING DEBRIS REMOVAL EXPENSE, SHALL NOT EXCEED THE TOTAL VALUES SHOWN ON THE STATEMENT OF VALUES ON FILE WITH THE COMPANY FOR THE PROPERTY LOST OR DAMAGES NOR FOR MORE THAN THE LIMIT OF LIABILITY APPLYING UNDER THIS POLICY. 7. CANCELLATION: THIS POLICY MAY BE CANCELLED BY THE NAMED INSURED BY SURRENDER THEREOF TO THIS COMPANY OR BY MAILING TO THIS COMPANY WRITTEN NOTICE STATING WHEN THEREAFTER SUCH CANCELLATION SHALL BE EFFECTIVE. THIS POLICY MAY BE CANCELLED BY THIS COMPANY BY MAILING TO THE NAMED INSURED AT THE ADDRESS SHOWN IN THIS POLICY, OR LAST KNOWN ADDRESS, WRITTEN NOTICE STATING WHEN, NOT LESS THAN NINETY (90) DAYS THEREAFTER, SUCH CANCELLATION SHALL BE EFFECTIVE. IF THE NAMED INSURED FAILS TO REMIT, WHEN DUE, THE PREMIUM FOR THIS POLICY, THIS POLICY MAY BE CANCELLED BY THIS COMPANY BY GIVING THE NAMED INSURED NOT LESS THAN TEN (10) DAYS WRITTEN NOTICE OF CANCELLATION. THE MAILING OF NOTICE AS AFORESAID SHALL BE SUFFICIENT PROOF OF NOTICE. THE TIME OF SURRENDER OR THE EFFECTIVE DATE OF CANCELLATION STATED IN THE NOTICE SHALL BECOME THE END OF THE POLICY PERIOD. DELIVERY OF SUCH WRITTEN NOTICE EITHER BY THE NAMED INSURED OR BY THIS COMPANY SHALL BE EQUIVALENT TO MAILING. IF THE NAMED INSURED OR 0888 4 of 5 83 XLS SD2617 THIS COMPANY CONCELS, EARNED PREMIUM SHALL COMPUTED PRO RATA. PREMIUM ADJUSTMENT MAY BE MADE AT THE TIME CANCELLATION IS EFFECTIVE AND, IF NOT THEN MADE, SHALL BE MADE AS SOON AS PRACTICABLE AFTER CANCELLATION BECOMES EFFECTIVE. THIS COMPANY'S CHECK OR THE CHECK OF ITS REPRESENTATIVE MAILED OR DELIVERED AS AFORESAID SHALL BE A SUFFICIENT TENDER OF ANY REFUND OF PREMIUM DUE THE NAMED INSURED. THIS COMPANY IS NOT REQUIRED TO TENDER ANY REFUND PREMIUM BEFORE CANCELLATION OF THIS POLICY. (SEE ENDORSEMENT #D) 8. SUBSECTION 14. OF SECTION IV-GENERAL CONDITIONS ON PAGE 20, ENTITLED "APPEAL", IS DELETED FOR THE PURPOSES OF THIS INSURANCE. UNDERLYING POLICY: THE UNDERLYING INSURANCE REFERRED TO HEREIN IS PROVIDED BY: POLICY NUMBERS ISL 3798, ICO 5498, ISL 3799, AND RENEWALS ISSUED BY UNDERWRITERS AT LLOYD'S OF LONDON AND OTHER BRITISH COMPANIES IT IS A STIPULATION OF THIS POLICY THAT THE UNDERLYING INSURANCE POLICY SHOWN ABOVE SHALL BE MAINTAINED IN FULL FORCE AND EFFECT DURING THE CURRENCY OF THIS POLICY. 0888 5 of 5 83 XLS SD2617 THE HARTFORD Policy Number: 83 XLS SD2617 Effective Date: Named Insured and Address: Endt.No. A THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY This endorsement modifies insurance provided under the following: STANDARD FIRE INSURANCE POLICY NAMED INSURED THE UNQUALIFIED WORD ASSURED WHEREVER USED IN THE EXCESS INSURANCE POLICIES INCLUDES NOT ONLY THE NAMED INSURED, BUT ALSO: COLORADO COUNTIES CASUALTY AND PROPERTY FOOL (CAPP) INCLUDING IT'S BOARD OF DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AND ALL PARTICIPATING COUNTIES AS MEMBERS THEREOF INCLUDING THEIR ELECTED AND APPOINTED OFFICIALS, TRUSTEES, DIRECTORS, OFFICERS, EMPLOYEES, AND VOLUNTEERS, INDIVIDUALLY AND COLLECTIVELY, WHILE ACTING WITHIN THE SCOPE OF THEIR DUTIES AS SUCH AND ANY PERSON, ORGANIZATION, TRUSTEE OR ESTATE TO WHOM THE NAMED ASSURED IS OBLIGATED BY VIRTUE OF WRITTEN CONTRACT OR AGREEMENT TO PROVIDE INSURANCE SUCH AS IS OFFERED BY THIS INSURANCE BUT ONLY IN RESPECT TO OPERATIONS BY OR ON BEHALF OF THE NAMED INSURED. This endorsement does not change the policy except as shown. Form L-5040-0 (Ed.4-86) Printed in U.S.A. (NS) THE HARTFORD Policy Number: 83 XIS SD2617 Effective Date: Named Insured and Address: Endt.No. R THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY This endorsement modifies insurance provided under the following: STANDARD FIRE INSURANCE POLICY AUTOMATIC BUILDER'S RISK & RENOVATION COVERAGE TEES POLICY IS EXTENDED TO AUTOMATICALLY PROVIDE BUILDER'S RISK, RENOVATIONS, REPAIRS MADE BY THE INSURED AT ANY LOCATION (INCLUDING NEW LOCATIONS) WITHIN THE TERRITORIAL LIMITS OF THE POLICY PROVIDED THE INSURED'S INTEREST IS NOT COVERED UNDER ANY OTHER POLICY, SUBJECT TO THE FOLLOWING CONDITIONS: A. THE LIMIT OF LIABILITY UNDER THIS POLICY FOR SUCH AUTOMATIC PROVISIONS SHALL NOT EXCEED $1,000,000. ANY ONE OCCURRENCE. This endorsement does not change the policy except as shown. Form L-5040-0 (Ed.4-86) Printed in U.S.A. (NS) THE HARTFORD ;11- • Policy Number. B3XLSSD2617 Effective Date: Named Insured and Address: Endt No. C THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY This endorsement modifies insurance provided under the following: STANDARD FIRE INSURANCE POLICY AUTOMATIC ACQUISITION CLAUSE IT IS HEREBY AGREED THAT AUTOMATIC COVERAGE IS PROVIDED FOR NEWLY ACQUIRED LOCATIONS UP TO A LIMIT OF. $1,000,000. PER LOCATION. ANY LOCATION VALUED IN EXCESS OF • $1,000,000 IS TO BE REPORTED TO THE COMPANY IN SIXTY (60) DAYS. This endorsement does not change the policy except as shown. Form L-5040-0 (Ed.4-86) Printed in U.S.A. (NS) THE HARTFORD : Policy Number. 83 XIS SD2 617 Effective Date: Named Insured and Address: Endt.No. D THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY This endorsement modifies insurance provided under the following: STANDARD FIRE INSURANCE POLICY CANCELLATION CLAUSE NO CANCELLATION OR TERMINATION OF THIS POLICY, AS AN ENTIRETY, WHETHER BY OR AT THE REQUEST OF THE NAMED ASSURED OR BY THE W°MANY SHALL TAKE EFFECT PRIOR TO THE EXPIRATION OF NINE (90) DAYS AFTER WRITTEN NOTICE OF SUCH CANCELLATION OR TERMINATION IS SENT BY REGISTERED MAIL TO THE COMMISSIONER OF INSURANCE, STATE OF COLORADO, FIRST WESTERN PLAZA, 303 W. COLFAX AVENUE, SUITE 500, DENVER, CO 80204, UNLESS AN EARLIER DATE OF SUCH CANCELLATION IS APPROVED BY SAID COMMISSIONER OF INSURANCE, STATE OF COLORADO. This endorsement does not change the policy except as shown. Form L-5040-0 (Ed.4-86) Printed in U.S.A. (NS) Hello