HomeMy WebLinkAbout000143.tiff L
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United States Fire Insurance Company International Insurance Company
A New York Corporation An Illinois Corporation
Home Office: New York,N.Y. Home Office: Chicago, Illinois II
Westchester Fire Insurance Company The North River Insurance Company
A New York Corporation A New Jersey Corporation
Home Office: New York,N.Y. Home Office: Township of Morris,N.J.
CRUM&FORSTER INSURANCE COMPANIES l
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Eastern Region Morristown,NJ. Virginia-Carolmas Region Durham,N.C. 0
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Western Region Freeport,Ill. Southwestern Region Dallas,Tex
aSouthern Region Atlanta,Ga. New York Metropolitan Region . . . . New York,N.Y
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143
Standcd Fire Insurance Policy for Alabama,Alaska Arizona, es Colorado,Connecticut,Delaware,District of Columbia,Florida,Get— e,Hawaii,Idaho,Illinois,Indiana,Iowa,Kansas,
Kentucky, en,Louisiana, Maine, Maryland, MicM1;p Mississippi, Lin, Montane, Nebraska Nevada, New Hampshve,.New Jersey, Na.Neii - New York,NoHM1.Carolint, Nor1M1 Dakota, M'g',
- 1 Concealment, This entire policy shall be void if, whether 84 relating to the interests and obligations of such mortgagee may
- 2 4raud. 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
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.
7 Uninsurable This policy shall not cover accounts, bills, 90 Requirements in The insured shall give immediate written
_ i- ' 8 and currency, deeds, evidences of debt, money or 91 case loss occurs. notice to this Company of any loss, protect
T d -• 'e 9 excepted property. securities; nor, unless specifically named 92 the property from further damage, forthwith
0 a 10 hereon in writing, bullion or manuscripts. 93 separate the damaged and undamaged personal property, put
a 4 11 Perils not This Company shall not be liable for loss by 94 it in the best possible order, furnish a complete inventory of
- ` t, 12 included. fire or other perils insured against in this 95 the destroyed, damaged and undamaged property, showing in
0 - >.� .Y E 13 policy caused, directly or indirectly, by: (a) 96 detail quantities, costs, actual cash value and amount of loss
-0 ; d 8 -0 14 enemy attack by armed forces, including action taken by mill- 97 claimed; and within sixty days after the loss, unless such time
bed .. = 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
°p o 0 0:,.; 16 impending enemy attack; (b) invasion; (c) insurrection; (d) 99 to this Company a proof of loss, signed and sworn to by the
= _ d - 9 d 17 rebellion; (el revolution; (f) civil war; (g) usurped power; (h) 100 insured, stating the knowledge and belief of the insured as to
a, ` -` , 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
(0 -. a 0 a 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-
m A 0 0 21 by this policy; (i) neglect of the insured to use all reasonable 104 brances thereon, all other contracts of insurance, whether valid
e ,rn :'.0, 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.
-• - w, ro ,a, to A 23 when the property is endangered by fire in neighboring prem- 106 use, occupation, location, possession or exposures of said prop-
_ ` 0 a -I C 3. 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
r p„ _ _ c 25 Other Insurance. Other insurance may be prohibited or the 108 purpose any building herein described and the several parts
o « ` ` 0 a 26 amount of insurance may be limited by en- 109 thereof were occupied at the time of loss and whether or not it
E 0 -„ : '- 0 i0 27 dorsement attached hereto. 110 then stood on leased ground, and shall furnish a copy of all the
> E E r r�IS 28 Conditions suspending or restricting insurance. Unless other- 111 descriptions and schedules in all policies and, if required, verified
s > E 0 0 d'!!a 29 wise provided in writing added hereto this Company shall not 112 plans and specifications of any building, fixtures or machinery
r 3 > > ›.—=.23_ 30 be liable for loss occurring 113 destroyed or damaged. The insured, as often as may be reason-
_- — e x .E 31 (a) while the hazard is increased by any means within the con- 114 ably required, shall exhibit to any person designated by this
O -„ c d 32 trol or knowledge of the insured; or 115 Company all that remains of any property herein described, and
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3 9 S .o= c 33 (b) while a described building, whether intended for occupancy 116 submit to examinations under oath by any person named by this
3 0 0 0 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
„a - _ = 3 E 35 sixty consecutive days; or 118- reasonably required, shall produce for examination all books of
z C H' a. - = d 36 (cl as a result of explosion or riot, unless fire ensue, and in
e r-, t k_ > E D 119 account, bills, invoices and other vouchers, or certified copies
r - 1— z d - 37 that event for loss by fire only. 120 thereof if originals be lost, at such reasonable time and place as
o c,ec ≤ z z^ 0 38 Other perils Any other peril to be insured against or sub- 121 may be designated by this Company or its representative, and
o c e ? e „ . 39 or subjects. ject of insurance to be covered in this policy 122 shall permit extracts and copies thereof to be made.
" o o co ti t o A 40 shall be by endorsement in writing hereon or 123 Appraisal. In case the insured and this Company shall
z a a a 3 3 3 _, 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
r_... e'�S 43 under this policy and of the contribution to 126 shall select a competent and disinterested appraiser and notify
3 le 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
d d= 0 g 45 vision or agreement not inconsistent with the provisions of this 128 demand. The appraisers shall first select a competent and dis-
= ;•_',o>l- 3 _. 46 policy, may be provided for in writing added hereto, but no pro- 129 interested umpire; and failing for fifteen days to agree upon
a ; rd; : 47 vision may be waived except such as by the terms of this-policy 110 such umpire, then, on request of the insured or this Company,
-00-0�«T E 48 is subject to change. 131 such umpire shall be selected by a judge of a court of record in
>,=-0.0 - a, 49 Waiver No permission affecting this insurance shall 132 the state in which the property covered is located. The ea-
:2'1;c F Y 1 50 provisions. exist, or waiver of any provision be valid, 133 praisers shall then appraise the loss, stating separately actual
0- _, E 51 unless granted herein or expressed in writing 134 cash value and loss to each item; and, failing to agree, shall
_in E 0 0:`0 « 52 added hereto. No provision, stipulation or forfeiture shall be 135 submit their differences, only, to the umpire. An award in writ-
m -0 12 E _ 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
0 1;g_, g d .A 54 of this Company relating to appraisal or to any examination 137 determine the amount of actual cash value and loss. Each
= m� =om�I') 55 provided for herein.
;,C 0 0 3;'= 56 Cancellation This policy shall be cancelled at any time 138 appraiser shall be paid by the party selecting him and the ex-
a, _ 0 57 of policy- at the request of the insured, in which case 139 penses of appraisal and umpire shall be paid by the parties
N d oo— 18,9='p, 140 equally.
• 0 00N g 70 M 58 this Crefund u the shall, upon dpaid premium ed and sur- 141 Company's It shall be optional with this Company to I
0 nl 0- ,0 _ 0 59 render of this policy, excess of above
"=t m-„ 142 options. take all, or any part, of the property at the
a =t. d 60 the y toe short rates t for the expired ths pan. This inl-g 143 agreed or appraised value, and also to re
_�— 0`0 0 61 icy may be cancelled at any time by this Company by giving op
E.E d E a 62 to the insured a five days' written notice of cancellation with 144 pair, rebuild or replace the property destroyed or damaged with
• c 2 m_ Ia _ 63 or without tender of the excess bf paid Premium above the pro 145 other of like kind and quality within a reasonable time, on giv-
• >_ --- N 64 rata premium for the expired time, which excess, if not ten- 146 ing notice of its intention so to do within thirty days after the
`; A 65 dered, shall be refunded on demand. Notice of cancellation shall 147 receipt of the proof of loss herein required.
>a Et".
a" 66 state that said excess premium (if not tendered) will be re-
4= 148 Abandonment. There can be no abandonment to this Com-
>9a≥--0 .0 67 funded on demand. 149 pany of any property.
9�- tn—` 0 0 68 Mortgagee If loss hereunder is made payable, in whole 150 When loss The amount of loss for which this Company
0-0 6 00:„ .- 69 interests and or in part, to a designated mortgagee not 151 payable. . may be liable shall be payable sixty days
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0 , 0;Ent— 70 obligations. named herein as the insured, such interest in 152 after proof of loss, as herein provided, is
«L t9 d `0 Iz 71 this policy may be cancelled by giving to such 153 received by this Company and ascertainment of the loss is made
I— 0.0 Eta days' 154 either by agreement between the insured and this Company ex-
.. 1— s:2p 72 mortgagee a ten written notice of can- B P Y
o . „c Paz too •73 cellation. - 155 pressed in writing or by the filing with this Company of an
Jar de YW 74 If the insured fails to render proof of loss such mortgagee, upon 156 award as herein provided.
-lac ;x, si 75 notice, shall render proof of loss in the form herein specified 157 Suit. No suit or action on this policy for the recall-
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SNOIld30x3 31111S76 within sixty (60) days thereafter and shall be subject to the pro- 158 ery of any claim shall be sustainable in any
77 visions hereof relating to appraisal and time of payment and of 159 court of law or equity unless all the requirements of this policy
78 bringing suit. If this Company shall claim that no liability ex- 160 shall have been complied with, and unless commenced within
79 isted as to the mortgagor or owner, it shall, to the extent of pay- 161 twelve months next after inception of the loss.
80 ment of loss to the mortgagee, be subrogated to all the mart- 162 Subrogation. This Company may require from the insured
81 gagee's rights of recovery, but without impairing mortgagee's 163 an assignment of all right of recovery against
82 right to sue; or it may pay off the mortgage debt and require 164 any party for loss to the extent that payment therefor is made
83 an assignment thereof and of the mortgage. Other provisions 165 by this Company.
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. ,/D ,/o
ATTACHED TO AND FORMING PhAT OF
POLICY NO. 260-965077-5 OF THE INTERNATIONAL
INSURANCE COMPANY
EXCESS PROPERTY
INSURANCE FORM
1. INSURING CLAUSE:
SUBJECT TO THE STIPULATIONS AND CONDITIONS CONTAINED IN THIS EXCESS PROPERTY
INSURANCE FORM OR ADDED HERETO AND THOSE CONDITIONS NOT INCONSISTENT WITHIN
ANY PREPRINTED POLICY JACKET TO WHICH THIS EXCESS PROPERTY INSURANCE FORM
IS ATTACHED, THIS COMPANY AGREES TO INDEMNIFY
BOARD OF COUNTY COMMISSIONERS OF THE
COUNTY OF WELD
(HEREINAFTER CALLED "THE ASSURED") IN RESPECT OF
LOSS OR DAMAGE TO REAL AND PERSONAL PROPERTY WHEREVER LOCATED AND CAUSED BY
THE PERILS OF ALL RISK (EXCLUDING FLOOD) AS COVERED AND DEFINED IN THE
UNDERLYING POLICY NUMBER TO BE ADVISED EFFECTIVE JANUARY 15,1983
FOR A TERM OF 3 YEARS ISSUED BY UNDERWRITERS AT LLOYD"S LONDON AND
CERTAIN COMPANIES HEREAFTER CALLED "PRIMARY INSURERS".
2. LIMIT:
PROVIDED ALWAYS THAT THIS COMPANY SHALL BE LIABLE ONLY AFTER THE PRIMARY IN-
SURERS HAVE PAID OR HAVE ADMITTED LIABILITY FOR THE FULL AMOUNT OF THEIR RE-
SPECTIVE ULTIMATE NET LOSS AS FOLLOWS:
$ 500,000.00 ULTIMATE NET LOSS IN RESPECT OF ANY ONE LOSS AND/
OR OCCURRENCE COMBINED PERILS AS UNDERLYING
AND THIS COMPANY SHALL THEN BE LIABLE FOR THE PERILS OF ALL RISK INCLUDING
EARTHQUAKE EXCLUDING FLOOD TO PAY ONLY UP TO A FURTHER
$ 2,000,000.00 ULTIMATE NET LOSS IN RESPECT OF ANY ONE LOSS ANY
ONE LOCATION EXCEPT FOR THE PERILS OF EARTHQUAKE
FOR WHICH THIS AMOUNT IS THE AGGREGATE FOR ANY
ONE POLICY YEAR. -
3. TERM OF INSURANCE:
THIS INSURANCE IS TO INDEMNIFY THE ASSURED IN RESPECT OF LOSSES OCCURRING DURING
THE PERIOD COMMENCING JANUARY 15,1983 AND ENDING JANUARY 15,1986
BOTH DAYS AT 12:01 A.M. STANDARD TIME AT THE ADDRESS OF THE ASSURED STATED HEREIN.
4. PREMIUM:
THE PREMIUM FOR THIS INSURANCE IS AS FOLLOWS:
FIRST INSTALLMENT $ 7,000.00
SECOND INSTALLMENT TO BE DETERMINED.
THIRD INSTALLMENT TO BE DETERMINED.
LWB-END (1-82) PAGE 1 OF 2
5. APPLICATION OF RECOVERIES:
ALL RECOVERIES OR PAYMENTS RECOVERED OR RECEIVED SUBSEQUENT TO A LOSS SETTLE-
MENT UNDER THIS INSURANCE SHALL BE APPLIED AS IF RECOVERED OR RECEIVED PRIOR
TO SUCH SETTLEMENT AND ALL NECESSARY ADJUSTMENT SHALL THEN BE MADE BETWEEN THE
ASSURED AND THIS COMPANY PROVIDED ALWAYS TEAT NOTHING IN THIS INSURANCE SHALL
BE CONSTRUED TO MEAN THAT LOSSES UNDER THIS INSURANCE ARE NOT RECOVERABLE UNTIL
THE ASSURED'S ULTIMATE NET LOSS HAS BEEN FINALLY ASCERTAINED.
6. MAINTENANCE OF PRIMARY INSURANCE:
IN RESPECT OF THE PERILS HEREBY INSURED AGAINST, THIS INSURANCE IS SUBJECT TO
THE SAME WARRANTIES, TERMS AND CONDITIONS (EXCEPT AS REGARDS THE PREMIUM, THE
AMOUNT AND LIMITS OF LIABILITY AND THE RENEWAL AGREEMENT, IF ANY, AND EXCEPT AS
OTHERWISE PROVIDED HEREIN) AS ARE CONTAINED IN OR AS MAY BE ADDED TO THE POLICY/
POLICIES OF THE PRIMARY INSURERS, AND THEN THE PREMIUM HEREON SHALL BE ADJUSTED
ACCORDINGLY.
IT IS A CONDITION OF THIS INSURANCE THAT IHE POLICY/POLICIES OF THE PRIMARY IN-
SURERS SHALL BE MAINTAINED IN FULL EFFECT DURING THE CURRENCY OF THIS INSURANCE.
7. CANCELLATION:
THIS POLICY MAY BE CANCELLED AT ANY TIME BY THE ASSURED ON THE BASIS OF THE
COMPANY'S SHORT RATE TABLE, BY WRITTEN NOTICE OR BY SURRENDER OF THE POLICY TO
THE COMPANY. THIS POLICY MAY ALSO BE CANCELLED BY THE COMPANY BY MAILING TO
THE ASSURED A SIXTY DAY ADVANCE WRITTEN NOTICE.
8. DEFINITIONS:
FOR THE PURPOSE OF THIS AGREEMENT, THE FOLLOWING DEFINITIONS SHALL APPLY WHEN
USED WITHIN THE TERMS OF THIS POLICY OR ENDORSEMENTS ATTACHED HERETO:
A. LOCATION: MEANS SUCH AREA AS IS WITHIN THE OUTER PROPERTY LINES OF LAND
OWNED OR OCCUPIED BY THE ASSURED AS ONE CONTINUOUS PROPERTY SITE, OR ON
LAND SO OCCUPIED WHICH WOULD BE ONE CONTINUOUS PROPERTY SITE EXCEPT FOR
THE PRESENCE OF ROADWAYS, STREAMS OR RIGHTS-OF-WAY INTERSECTING SUCH
AREA.
B. LOSS AND/OR OCCURRENCE: MEANS THE TOTAL LOSS BY ANY PERIL OR COMBINATION
OF PERILS INSURED AGAINST ARISING OUT OF A SINGLE EVENT. WHEN THE TERM
APPLIES TO LOSS OR LOSSES FROM WINDSTORM, HAIL, RIOT, RIOT ATTENDING A
STRIKE OR CIVIL COMMOTION, IT SHALL BE HELD TO INCLUDE THOSE LOSSES OC-
CURRING OR COMMENCING DURING A PEROID OF 72 CONSECUTIVE HOURS. WHEN
FILING PROOF OF LOSS, THE ASSURED MAY ELECT THE MOMENT WHICH THE 72 HOUR
PERIOD SHALL BE DEEMED TO HAVE COMMENCED.
C. ULTD!ATE NET LOSS:
THE WORDS "ULTIMATE NET LOSS" SHALL MEAN THE LOSS SUSTAINED BY THE AS-
SURED AS A RESULT OF THE HAPPENING OF THE RISKS COVERED BY THE INSURANCE
AFTER MAKING DEDUCTIONS FOR ALL RECOVERIES AND OTHER VALID AND COLLECT-
ABLE INSURANCES, EXCEPTING HOWEVER THE POLICY/POLICIES OF THE PRIMARY
INSURERS.
LWB-END (1-82) PAGE 2 OF 2
1-5-83acp
SCHEDULED SPECIFIC
LOCATIONS FORM
ATTACHED TO AND FORMING PART OF
POLICY NO: 240-965077.5
OF THE INTERNATIONAL INSURANCE COMPANY.
IT IS AGREED THAT THE BELOW LIS1LD LOCATIONS ARE SPECIFICALLY INSURED
FOR THE LIMITS INDICATED AND THAT THESE LIMITS ARE EX('F_SS OF
$ 2,000,000. ANY CUE LOSS ANY ONE ICCATION EXCESS OF ANY ONE
LOSS AND/OR OCCURRENCE OF $500,000.
IT IS AGREED THAT PERILS OF INSURANCE ARE AMENDED FROM ALL RISK TO THE
PEPSIS OF "FIRE, LIGHTENING, WINDSTORM, HAIL, EXPLOSION, RIOT, RIOT
ATTENDING A STRIKE OR CIVIL COMMOTION, AIRCRAFT, VEHICLES, SMOKE,
VANDALISM AND MALICIOUS MISCHIEF AND SPRINKLER LEAKAGE".
LOCATIONS EDCTF4S LIMITS OF LIABILITY
CENTENNIAL COMPLEX $8,500,000.00
COURTHOUSE, ADMINISTRATION
AND JAIL -
IWB-SSL (4/82)
❑O UNITEDFIRE
NORTH RIVER C COMPANY
INSURANCE COANY THE ENDORSEMENT A 1-5-83.cs
0 WESTCHESTER FIRE INSURANCE COMPANY
JOZONTERNATIONAL INSURANCE COMPANY
•
•
aU.S. Insurance Group Additional Premium
a Crum and Forster organization
Return Premium
JANUARY 15 83 12:01 A.N.
Effective on and after 19_ , Standard Time
240-965077-5 JANUARY 15,1986
this endorsement forms part of policy No. Expiration Date
BOARD OF COUNTY COMMISSIONERS OF THE Cairn OF WELD
Issued to
By IIITSRNATZONAL INSURANCE Company
Pa y
IT IS AGREED THAT THE PERILS SHINN ON SCHEDULED SPECIFIC
LOCATIONS FORM (LWB-SSL(4-82) ARE AMENDED TO THE PERILS OF ALL
RISKS EXCLUDING FLOOD INCLUDING EARTHQUAKE EXCEPT FOR THE
PERIL OF EARTHQUAXS ON AMOUNT OF $3,500,000. IS THE AGGREGATE
FOR ANY ONE POLICY YEAR.
All other terms and conditions of this policy remain unchanged.
U�A ORIZED REPR NTATIVE
FM.0.0.193 (867)
_ OM1.o, OI .r^a Pegon Pennsyl Van e. R o Is antl So.,n Cerol ne Sou1M1 Lak fe Tennessee L,e• Vermon, V rg n e_Waamnq,on Wes Y o n W cons Intl Wyo g. �—
-No. 40 5077 9
24 093331• A Multiple Line Stock Company
❑UNITED STATES FIRE INSURANCE COMPANY •
RENEWAL OF No. THE NORTH RIVER INSURANCE COMPANY
•
❑WESTCHESTER FIRE INSURANCE COMPANY
i • !INTERNATIONAL INSURANCE COMPANY
CRUM&FORSTER INSURANCE COMPANIES
i?.', ADMINISTRATIVE OFFICES: MORRISTOWN, NEW JERSEY
. Insured's Name and Mailing Address
BOARD OF COUNTY COMMISSIONERS •
OF THE COUNTY OF WELD •
CURLY, COLORADO •
< 1-15-83 1-15-86 3
Inception (Mo. Day Yr.) Expiration(Mo.Day Yr.) Years
141
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.
PREPAID TERM ANNUAL PAYMENT pERIL15) Insured Against and Cover-
AMOUNT RATE AREMIUM DUE DUE UNDER T INCEPTION PREM.PAY.PLAN age(s)Provided(Insert Name of Each)
$ PER FORKS $ $ $ 7,000.00 FIRE AND LIGHTNING
xxxxxxx x x x x x $ $ $ INCL. EXTENDED COVERAGE
LWB-END(1-82) $ $ $ INCL. OTHER PERILS AS PER FORMS
LWB-SSL(4-82) $ $ $ EWB-END (1-82) AND
$ TOTAL PREMIUM TOTAL(S) $ $ 7,000.00 LWB-SSL(4-82)
FOR POLICY TERM UNDER D. P. P. P.
Amount fire or fire Per Cent of DESCRIPTION AND LOCATION Of PROPERTY COVERED
teem end Extended Coy- Co-Insurance Slew construction,type of roof and occupancy of building(-)covered or
He. wage,or Other Peril Applicable fining the property severed. It occupied es a dwelling state number of families.
$ OM REAL AND PERSONAL PROPERTY AS PER FORTIS
LWB-END (1-82) AND LWB-SSL(4-82)
MISS.—Total Insurance—See form attached—Item 1, $ ; Item 2, $ ; Item 3, $ ; Item 4, $
S. C.—Valuation Clause__See fntm itt-chg�ltr�-SSS (4-62) ; Item , $ ; Item , $ ; Item , $
Subject to Form Nols). LW8-Sl1U\i fSL LM!{' Lrone nyenen,ai ono COITION oenm attached hereto.
Mortgage Clause: Subject to the provisions of the mortgage clause attached hereto, loss, if any, on building items, shall be payable to:
INSIST MINIM OF nonra.aeeln AND NAILING (IS)
CHIGOO,ILLINOIS
Agency at
Countersignature Date 1-5-83ucg �- 1,
Agent
IN CONSIDERATION OF THE PROVISIONS AND STIPULATIONS HEREIN OR ADDED HERETO
AND OF the premium above specified, this Company, for the term of years specified above from inception dale shown above At Noon (Standard Time)
to expiration date shown above At Noon (Standard Time) at location of property involved, to an amount not exceeding the amounts) above specified,
does insure the insured named above 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
-W THIS POLICY, EXCEPT AS HEREINAFTER PROVIDED, to the property described herein while located or contained as described in this
,licy, 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.
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. '
OTP14-X-Y (PRINTED 10-76)
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