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Item M7 � M.7 � � �, BOARD OF COUNTY COMMISSIONERS County of Monroe � ��r�i �r � s�� Mayor Heather Carruthers,District 3 IleOrlda Keys Mayor Pro Tem Michelle Coldiron,District 2 Craig Cates,District 1 David Rice,District 4 Sylvia J.Murphy,District 5 County Commission Meeting May 20, 2020 Agenda Item Number: M.7 Agenda Item Summary #6825 BULK ITEM: Yes DEPARTMENT: Risk Management TIME APPROXIMATE: STAFF CONTACT: Maria Slavik(305) 295-3178 N/A AGENDA ITEM WORDING: Approval of renewal of Primary Windstorm Insurance Policy with a premium of $812,452.00 from Citizens Property Insurance Corporation and authorization for the Risk Administrator to sign all necessary forms. ITEM BACKGROUND: The County currently has a Primary Windstorm Insurance Policy providing coverage on 44 of its buildings and contents from Citizens Property Insurance Corp., that expires on May 29, 2020. This Windstorm Policy is purchased to supplement the windstorm coverage contained in the County's Master property insurance policy. The Master Policy provides Named Windstorm coverage with limits of $10 million and a deductible of $1,000,000.00 per occurrence/per location. The County also carries a separate Citizen's Wind Policy for East Martello on the Tower and Outer Building with $1,000,000.00 coverage on each structure and a 5% deductible. This renewal Primary Windstorm Policy annual premium is $812,452.00. The building limits insured are $27,868,079.00 for a premium of$572,360.00, and the total Contents (business personal property) limits insured are $7,693,347.00 for a premium of$123,530.00. Fees and assessments total is $116,562.00. The third attachment is a spreadsheet comparing the coverage amounts and premiums for each covered properties in the current and next fiscal years. PREVIOUS RELEVANT BOCC ACTION: On 5/22/2019, the BOCC approved the current Windstorm insurance proposal. CONTRACT/AGREEMENT CHANGES: This is an increase of$58,580 (7.8% increase) compared to the County's 2019-2020 premium. The new renewal dates are 5-29-20-5-29-21. STAFF RECOMMENDATION: Approval. Packet Pg. 2692 M.7 DOCUMENTATION: Citizen's 2020-2021 Renewal Invoice INTERISK CORPORATION RECOMMENDATION LETTER 2019-2020 Wind Comparison Spreadsheet(.pdf) FINANCIAL IMPACT: Effective Date: 5-29-2020 Expiration Date: 5-29-2021 Total Dollar Value of Contract: $812,452.00 Total Cost to County: $812,452.00 Current Year Portion: $753,852.00 Budgeted: Yes Source of Funds: Internal Service Fund/Primarily Ad Valorem CPI: N/A Indirect Costs: N/A Estimated Ongoing Costs Not Included in above dollar amounts: N/A Revenue Producing: No If yes, amount: Grant: N/A County Match: N/A Insurance Required: N/A Additional Details: 05/20/20 503-08502 - RISK MGMT INSURANCE $812,452.00 REVIEWED BY: Cynthia Hall Completed 04/23/2020 12:45 PM Bob Shillinger Completed 05/04/2020 1:26 PM Purchasing Completed 05/04/2020 1:28 PM Budget and Finance Completed 05/04/2020 3:55 PM Kathy Peters Completed 05/04/2020 7:29 PM Board of County Commissioners Pending 05/20/2020 9:00 AM Packet Pg. 2693 M.7.a THE JOHNSON'S INSURANCE ADVISORS, LLC �� 13361 OVERSEAS HIGHWAY � CITIZENS MARATHON FL 33050 Mof*RIY INWROCE NR""1100 ff Renewal Premium Invoice Invoice date: March 30, 2020 BILLED TO: Invoice Summary MONROE COUNTY, FLORIDA Amount Due $812,452.00 ATTN: MARIA SLAVIK, RISK MANAGEMENT 1100 SIMONTON ST Payment Due May 29, 2020 KEY WEST, FL 33040 Current Payment Plan Full Pay See reverse side for payment methods Policy Information Insured: MONROE COUNTY, FLORIDA Primary address: 535 33RD ST y MARATHON, FL 33050-2301 Policy number: 00015845 Term: 7 '✓ Policy period: 06/29/20 to 05/29/21 Payment Plans At-a-Glance Renewal premium: $812,452.00 Initial Installment Installment Installm > Payment Quarterly' $324981 $162490 $162490 $1624 Semiannual` - $487471 $324981 Contact your agent with questions Payment Due 05/29/20 08/31/20 11/30/20 03101i N or to change your payment plan 'A 4 percent installment fee will be added to each CD THE JOHNSON'S INSURANCE ADVISORS, LLC installment following the initial payment N 305-289-0213 y (address at tap of page) These payment plan amounts will differ if changes are made to your policy that increase or decrease premiurr �G--— — ———— — —— ——— — — —— ——— ————— — — —— ————— — —— ———— ——— ——— — — — ——— ——— —— ——— — Please detach,and submit this portion with your payment. **f-rrC ITIZEI Payment Due. May 29, 2020 Policy Number: 00015845 Term. 7 Insured: MONROE COUNTY, FLORIDA Remit payment to: Amount Due $812,452.00 Citizens Property Insurance Corporation P.O. Box 17850 Total Payment Enclosed Jacksonville, FL 32245-7850 Make check payable to Citizens Property Insurance $ Corporation,and include your policy number on the check CST 0001584 57073192775108 90 Packet Pg. 2694 M.7.a Payment Methods Pay by Mail Pay by Overnight Mail P.O. Box 17850 301 West Bay Street, Jacksonville, FL 32245-7850 Ste 1300 Jacksonville, FL 32202 E D N � v U Q .D DDDD N � Q C07 CV CD CV CD CV CD CV Packet Pg. 2695 M.7.a CITIZENS Acknowledgement of Potential Surcharge and Assessment Liability We are required by law to send you this notice to inform you about the potential for surcharges and assessments to be applied to your policy. 1. AS A POLICYHOLDER OF CITIZENS PROPERTY INSURANCE CORPORATION„ I UNDERSTAND THAT IF THE CORPORATION SUSTAINS A DEFICIT AS A RESULT OF HURRICANE LOSSES OR FOR ANY OTHER REASON, MY POLICY COULD BE SUBJECT TO SURCHARGES, WHICH WILL. BE DUE AND PAYABLE UPON RENEWAL, CANCELLATION, OR TERMINATION OF THE POLICY, AND THAT THE SURCHARGES COULD BE AS HIGH AS 45 PERCENT OF MY PREMIUM, OR A DIFFERENT AMOUNT AS IMPOSED BY THE FLORIDA LEGISLATURE. 2. 1 UNDERSTAND THAT I CAN AVOID THE CITIZENS POLICYHOLDER SURCHARGE, WHICH COULD BE AS HIGH AS 45 PERCENT OF MY PREMIUM, BY OBTAINING COVERAGE FROM A PRIVATE MARKET INSURER AND THAT TO BE ELIGIBLE FOR COVERAGE BY CITIZENS, I MUST FIRST TRY TO OBTAIN PRIVATE MARKET COVERAGE BEFORE APPLYING FOR OR RENEWING COVERAGE WITH CITIZENS. I UNDERSTAND THAT PRIVATE MARKET INSURANCE RATES ARE REGULATED AND APPROVED BY THE STATE. 3. 1 UNDERSTAND THAT I MAY BE SUBJECT TO EMERGENCY ASSESSMENTS TO THE SAME E EXTENTAS POLICYHOLDERS OF OTHER INSURANCE COMPANIES,OR A DIFFERENTAMOUNT AS IMPOSED BY THE FLORIDA LEGISLATURE. 4. 1 ALSO UNDERSTAND THAT CITIZENS PROPERTY INSURANCE CORPORATION IS NOT '® SUPPORTED BY THE FULL FAITH AND CREDIT OF THE STATE OF FLORIDA. More information regarding assessments and surcharges is available under the Policyholder section of our website, www.citizensfla.com. Citizens Property Insurance Corporation POLICYHOLDER ASSESSMENT EXAMPLE To illustrate the potential assessment obligation of a Citizens policyholder compared to a policyholder insured by a private insurer, we have prepared an example based on an annual CD premium of$25,000. Your actual assessment amount will vary based on your annual premium. The assessment will be in addition to the premium you pay for insurance coverage. y Citizens Policy ABC Insurance Policy If your annual premium is: $25.000 $25,000 Tier 1: Potential Citizens Policyholder Surcharge (one-time assessment E up to 45% of premium) $11,250 NIA Tier 2: Potential Regular Assessment(one-time assessment up to 2%of NIA $500 premium) Tier 3: Potential Emergency Assessment(up to 30%of premium annually, may apply for multiple years)z $7,500 $7,500 Potential Annual Assessment: $18,750 $8,000 Tiers are used to demonstrate the multiple levels of assessment defined by Florida Law. Assessment tiers are triggered based on the severity of the deficit. Assessments are based on the greater of the projected deficit or the aggregate statewide written premium for the subject lines of business.The above example is based on the use of premium. Notes: 1 -Tier 2 additional assessments may be incurred for other property/casualty policies that are subject to assessment. 2-Tier 3 assessment may be collected each year over multiple years,depending on the extent of the deficit. In the event that subsequent years also generate a deficit,additional assessments could occur.. Packet Pg. 256 M.7.a CITIZENS PROPERTY INSURANCE CORPORATION **f-r- CrITIZENS PROPERTY INSURANCE CORPORATION Notice of Change in Policy Terms The purpose of this Notice of Change in Policy Terms is to inform you of changes to the terms, coverage, duties and conditions of your renewal policy. If you choose to accept our renewal offer, you should carefully review the changes described below along with the enclosed policy. Please consult your agent if you have any questions about the changes or the coverage provided. Receipt by Citizens of the premium payment for your renewal policy will be deemed acceptance of the new policy terms by the named insured. Commercial Nonresidential Wind Only The coverage descriptions shown in your Declarations, such as your coverage limits, rating/underwriting information or deductibles, may be stated differently. If a description of your coverage has changed, or if other information has changed, please consult with your Agent. 0 FLORIDA CHANGES,form CIT CNRW 0126 02 20(Former CIT CNRW 01 25 02 19). � v If this form is part of your policy, the form has been changed as follows: � r • Part O. "Alternative Dispute Resolution". The references to "a third party as an assignee of the Policy o benefits"are amended to"an 'assignee'". > • Part P. "Duties In The Event Of Loss Or Damage" under Loss Conditions stipulates we have no duty to 76 provide coverage if there is failure after a loss to perform the described duties. New duties are � D introduced and other duties are amended or reformatted. A provision is added stating that an assignment agreement does not change obligations to perform the duties required under this Policy. The Duties condition is divided into three separate parts: a. "Duties Of An Insured", b. "Duties Of An Assignee" and c. "Application of Duties". The following provides a brief summary of each of the three ' separate parts. `V a. Duties Of An Insured. These duties are applicable to you or any other insured seeking coverage y under the policy. o The prompt notice duty is amended to specify that the agent to whom prompt notice is to be given is the insurance agent shown in the Declarations. c Additional duties are added to the duty to protect the property from further damage. To the degree reasonably possible, damaged property must be retained for us or any person authorized to act on our behalf to inspect and for you to keep an accurate record of expenses. c The police notification duty is amended to require that we be provided with a copy of the police report. 0 Additional duties are added to the Proof of Loss duty and additional specific information must be included in the proof of loss. The Proof of Loss Form will be provided by us and must be completed in its entirety;Specific information that must be provided in the proof of loss includes; • The description of the loss, including the date and time of the loss,the cause of the loss, a description of how the loss occurred, when the loss was discovered, who discovered the loss, and the names of all persons who resided at the insured location at the time of loss. ■ The interests of all insureds and all others in the property involved, and assignees if any, and other insurance which may cover the loss. • Specifications of damage to the building, including descriptions of damage, repair estimates, estimated amounts to repair or replace each item of property and amounts of payments for temporary or permanent repairs. • Photographs and any other supporting documentation that exists to the extent it is reasonable and practical to obtain. ■ The inventory of damaged Business Personal Property. CNRW1 Packet Pg. 2697 M.7.a The Duties After Loss now expressly provide that there is also a duty to provide updated documents and information to us_ Specifically, for these duties there is also a duty to produce any updates to the documents and information provided, including revised descriptions of loss, scope of loss, and estimates or other supporting information. Updates must be provided as the information becomes available and if additional loss or damage is discovered or incurred. Updates must also be produced if you are provided with new estimates or invoices regarding the losses submitted or not submitted in the proof of loss. Any photographs of the damaged property must now be retained.These duties also allow us to inspect the retained property and make copies of the photographs. o The duty to cooperate with us in the investigation of a claim is amended to include the requirements to speak and share information with us or any person authorized to act on our behalf, and to provide documents which can be reasonably obtained by you, to facilitate our investigation of the claim. Additionally, a representative of the insured also must cooperate in a claim investigation, and may not obstruct our investigation of a claim and may not act in any manner to prevent us(or a person authorized by us)from investigating the claim. The duty to give us complete inventories of damaged and undamaged property is expanded to include providing descriptions, quantities, costs, values and amount of loss claimed. o The duty to provide requested records and documents is expanded to include providing E updates and revised documentation and to permit us or any person authorized to act on our behalf, to make copies. £; The following duties are added: ■ Allow us or any person authorized to act on our behalf as often as we reasonably require access to the location insured,to inspect all damaged property prior to its removal from the insured location and to examine your books and records. ■ Allow us or any person authorized to act on our behalf to require the insured, their representative, or both if reasonably possible to be present at our inspection and to assist in identifying the damaged property during the inspection. ■ At our request, identify the person or persons with knowledge of how the loss occurred and the extent of damage and identify all persons with knowledge of the facts of the loss. ■ Execute all work authorizations and allow contractors and related parties entry to the property. ■ Keep an accurate record of repair expenses. ' ■ A duty to cooperate in obtaining and executing any necessary municipal, county or other governmental documentation or permits for repairs to be made and any necessary work `V authorizations as required by these entities. ■ To the degree reasonably possible, retain the damaged property and any photographs of the damaged property and permit us to inspect the retained property and make copies of the photographs. • To the degree reasonably possible, prior to materially altering, destroying, trenching or excavating any part of the property or structure insured, allow us or any person authorized to act on our behalf, the opportunity to inspect the property. ■ To the degree reasonably possible,permit us or any person authorized to act on our behalf, to take samples of the damaged and undamaged property for inspection, testing and analysis. o The duty to submit to examinations under oath and recorded statements is amended to: • Require the person to be examined under oath or whose recorded statement will be taken to submit to examination at the location insured or other reasonable location designated by us. ■ Provide documentation of their identity. • Sign any transcript of the examinations and recorded statements. ■ Allow parties that represent us to request the examinations and statements. ■ Requires such examinations and statements, if requested by us or any person authorized to act on our behalf, to be either in-person, or utilize video and audio technology, or both, as determined by us. ■ Such examinations may be about any matter relating to the insurance or claim including an insured's books and records 2 CNRW1 0220 Packet Pg. 2698 M.7.a b, Duties Of An Assignee. In case of a loss to covered property,we have no duty to provide coverage to an"assignee"if there is failure by the assignee to comply with any of the following duties.These duties must be performed by the assignee. Pursuant to Florida law, in a claim arising under an assignment agreement, an assignee has the burden to demonstrate that we are not prejudiced by the assignee's failure to perform the following duties: Cooperating with us in the investigation of a claim. Maintaining records of all services provided under the assignment agreement. Providing requested records and documents, including accurate and up-to-date revised estimates of the scope of work. * Delivery of an executed assignment agreement within 3 business days (includes information regarding delivery of notice of the assignment agreement by the assignee to us). Assignees are also required to perform the work in accordance with accepted industry standards. c. Application of Duties.The requirements that the duties apply regardless of whether a person retains or is assisted by a party who provides legal advice, insurance advice or expert claim advice, regarding an insurance claim under this policy are formatted to this separate Duties After Loss section of Application of Duties. • Part V. "Loss Payment" under Loss Conditions is amended to add that payment of a portion of the claim(s)being asserted in a loss under this Policy does act as a waiver of our right to dispute or deny any unpaid portion of any claim(s)that you may assert arose from a loss. • Part W. "Loss Payment" under Loss Conditions is amended to add that in no event will we make o duplicate payments for the same element of loss because of the insured's failure to notify us of E N termination of the"assignment agreement". g • Part CC. "Claim, Supplemental Claim Or Reopened Claim Loss"under Loss Conditions is formatted to a a separate policy condition. • Part KK. Three new definitions are introduced, as follows: o Assignee: A person who is assigned post-loss benefits through an assignment agreement. M o Assignment agreement: Any instrument by which post-loss benefits under a residential N property insurance policy are assigned or transferred, or acquired in any manner, in whole or in part, to or from a person providing services to protect, repair, restore, or replace property or to mitigate against further damage to the property. Assignor:A person who assigns post-loss benefits under a residential property insurance policy N to another person through an assignment agreement. ' cv FLORIDA CHANGES—BUILDERS RISK, form CIT BR 0125 02 20 (Former CIT BR 0125 02 19). y If this form is part of your policy, the form has been changed as follows: i3 • Part E. "Alternative Dispute Resolution". The references to "a third parry as an assignee of the Policy benefits"are amended to"an 'assignee"'. • Part F."Duties In The Event Of Loss Or Damage"under Loss Conditions stipulates we have no duty to provide coverage if there is failure after a loss to perform the described duties. New duties are introduced and other duties are amended or reformatted. C A provision is added stating that an assignment agreement does not change obligations to perform the duties required under this Policy. _ The Duties condition is divided into three separate parts: a. "Duties Of An Insured", b. "Duties Of An Assignee' and c. "Application of Duties". The following provides a brief summary of each of the three separate parts. =_ a. Duties Of An Insured. These duties are applicable to you or any other insured seeking coverage -_ under the policy. a The prompt notice duty is amended to specify that the agent to whom prompt notice is to be g given is the insurance agent shown in the Declarations. c Additional duties are added to the duty to protect the property from further damage. To the degree reasonably possible, damaged property must be retained for us or any person authorized to act on our behalf to inspect and for you to keep an accurate record of expenses. CNRW1 0220 Packet Pg. 2699 M.7.a * The police notification duty is amended to require that we be provided with a copy of the police report. * Additional duties are added to the Proof of Loss duty and additional specific information must be included in the proof of loss. The Proof of Loss Form will be provided by us and must be completed in its entirety.Specific information that must be provided in the proof of loss includes: ■ The description of the loss, including the date and time of the loss, the cause of the loss, a description of how the loss occurred, when the loss was discovered, who discovered the loss, and the names of all persons who resided at the insured location at the time of loss. • The interests of all insureds and all others in the property involved, and assignees if any, and other insurance which may cover the loss. • Specifications of damage to the building, including descriptions of damage, repair estimates, estimated amounts to repair or replace each item of property and amounts of payments for temporary or permanent repairs. _ ■ Photographs and any other supporting documentation that exists to the extent it is reasonable and practical to obtain. ■ The inventory of damaged Business Personal Property. The Duties After Loss now expressly provide that there is also a duty to provide updated documents and information to us. Specifically, for these duties there is also a duty to produce E any updates to the documents and information provided, including revised descriptions of loss, y scope of loss, and estimates or other supporting information. Updates must be provided as the information becomes available and if additional loss or damage is discovered or incurred. - Updates must also be produced if you are provided with new estimates or invoices regarding the losses submitted or not submitted in the proof of loss. Any photographs of the damaged property must now be retained,These duties also allow us to inspect the retained property and 0 make copies of the photographs. * The duty to cooperate with us in the investigation of a claim is amended to include the 76 requirements to speak and share information with us or any person authorized to act on our behalf, and to provide documents which can be reasonably obtained by you, to facilitate our investigation of the claim. Additionally, a representative of the insured also must cooperate in a claim investigation, and may not obstruct our investigation of a claim and may not act in any manner to prevent us(or a person authorized by us)from investigating the claim. o The duty to give us complete inventories of damaged and undamaged property is expanded to include providing descriptions, quantities, costs, values and amount of loss claimed. o The duty to provide requested records and documents is expanded to include providing updates and revised documentation and to permit us or any person authorized to act on our behalf, to make copies. N o The following duties are added: ■ Allow us or any person authorized to act on our behalf as often as we reasonably require access to the location insured,to inspect all damaged property prior to its removal from the insured location and to examine your books and records. • Allow us or any person authorized to act on our behalf to require the insured, their representative, or both if reasonably possible to be present at our inspection and to assist in identifying the damaged property during the inspection. ■ At our request, identify the person or persons with knowledge of how the loss occurred and the extent of damage and identify all persons with knowledge of the facts of the loss. ■ Execute all work authorizations and allow contractors and related parties entry to the property. ■ Keep an accurate record of repair expenses. ■ A duty to cooperate in obtaining and executing any necessary municipal, county or other governmental documentation or permits for repairs to be made and any necessary work authorizations as required by these entities. • To the degree reasonably possible, retain the damaged property and any photographs of the damaged property and permit us to inspect the retained property and make copies of the photographs. 4 CNRW1 02201 Packet Pg. 2700 M.7.a ■ To the degree reasonably possible, prior to materially altering, destroying, trenching or excavating any part of the property or structure insured, allow us or any person authorized to act on our behalf, the opportunity to inspect the property. ■ To the degree reasonably possible, permit us or any person authorized to act on our behalf, to take samples of the damaged and undamaged property for inspection, testing and analysis. o The duty to submit to examinations under oath and recorded statements is amended to: • Require the person to be examined under oath or whose recorded statement will be taken to submit to examination at the location insured or other reasonable location designated by us. ■ Provide documentation of their identity. ■ Sign any transcript of the examinations and recorded statements. ■ Allow parties that represent us to request the examinations and statements. ■ Requires such examinations and statements, if requested by us or any person authorized to act on our behalf, to be either in-person, or utilize video and audio technology, or both, as determined by us. ■ Such examinations may be about any matter relating to the insurance or claim including an insured's books and records b. Duties Of An Assignee. In case of a loss to covered property, we have no duty to provide coverage o to an"assignee"if there is failure by the assignee to comply with any of the following duties.These duties must be performed by the assignee. Pursuant to Florida law, in a claim arising under an T assignment agreement, an assignee has the burden to demonstrate that we are not prejudiced by the assignee's failure to perform the following duties: t Cooperating with us in the investigation of a claim. o Maintaining records of all services provided under the assignment agreement. > o Providing requested records and documents, including accurate and up-to-date revised ® - estimates of the scope of work. D, o Delivery of an executed assignment agreement within 3 business days (includes information regarding delivery of notice of the assignment agreement by the assignee to us). Assignees are also required to perform the work in accordance with accepted industry standards. c. Application of Duties.The requirements that the duties apply regardless of whether a person retains or is assisted by a party who provides legal advice, insurance advice or expert claim advice, `V regarding an insurance claim under this policy are formatted to this separate Duties After Loss section of Application of Duties. `V • Part K. "Loss Payment" under Loss Conditions is amended to add that payment of a portion of the claim(s) being asserted in a loss under this Policy does act as a waiver of our right to dispute or deny any unpaid portion of any claim(s)that you may assert arose from a loss. • Part L. "Loss Payment" under Loss Conditions is amended to add that in no event will we make duplicate payments for the same element of loss because of the insured's failure to notify us of termination of the"assignment agreement". • Part P. "Claim, Supplemental Claim Or Reopened Claim Loss"under Loss Conditions is formatted to a separate policy condition. • Part R. Three new definitions are introduced, as follows: o Assignee.A person who is assigned post4oss benefits through an assignment agreement. o Assignment agreement: Any instrument by which post-loss benefits under a residential property insurance policy are assigned or transferred, or acquired in any manner, in whole or in part, to or from a person providing services to protect, repair, restore, or replace property or to mitigate against further damage to the property. o Assignor:A person who assigns post-loss benefits under a residential property insurance policy to another person through an assignment agreement. CNRW1 0220 " Packet Pg. 2701 M.7.a FLORIDA COMMERCIAL MOBILE HOME,form CIT MH 05 0102 20 (Former CIT MH 05 0102 19). If this form is part of your policy, the form has been changed as follows: • Part P. "Alternative Dispute Resolution". The references to "a third party as an assignee of the Policy benefits"are amended to"an `assignee'". • Part Q. "Duties In The Event Of Loss Or Damage" under Loss Conditions stipulates we have no duty to provide coverage if there is failure after a loss to perform the described duties. New duties are introduced and other duties are amended or reformatted. A provision is added stating that an assignment agreement does not change obligations to perform the duties required under this Policy. The Duties condition is divided into three separate parts: a. "Duties Of An Insured", b. "Duties Of An Assignee" and c. "Application of Duties". The following provides a brief summary of each of the three separate parts. a, a. Duties Of An Insured. These duties are applicable to you or any other insured seeking coverage o under the policy. o The prompt notice duty is amended to specify that the agent to whom prompt notice is to be given is the insurance agent shown in the Declarations. y o Additional duties are added to the duty to protect the property from further damage. To the degree reasonably possible, damaged property must be retained for us or any person authorized to act on our behalf to inspect and for you to keep an accurate record of expenses. — o The police notification duty is amended to require that we be provided with a copy of the police report. o Additional duties are added to the Proof of Loss duty and additional specific information must be included in the proof of loss. The Proof of Loss Form will be provided by us and must be completed in its entirety.Specific information that must be provided in the proof of loss includes: • The description of the loss, including the date and time of the loss, the cause of the loss, a description of how the loss occurred, when the loss was discovered, who discovered the loss, and the names of all persons who resided at the insured location at the time of loss. ■ The interests of all insureds and all others in the property involved, and assignees if any, and other insurance which may cover the loss. ■ Specifications of damage to the mobile home and other structures, including descriptions N of damage, repair estimates, estimated amounts to repair or replace each item of property v, and amounts of payments for temporary or permanent repairs. ■ Photographs and any other supporting documentation that exists to the extent it is reasonable and practical to obtain. i3 ■ The inventory of damaged Business Personal Property. o The Duties After Loss now expressly provide that there is also a duty to provide updated documents and information to us. Specifically, for these duties there is also a duty to produce any updates to the documents and information provided, including revised descriptions of loss„ scope of loss, and estimates or other supporting information. Updates must be provided as the information becomes available and if additional loss or damage is discovered or incurred. Updates must also be produced if you are provided with new estimates or invoices regarding the losses submitted or not submitted in the proof of loss. Any photographs of the damaged property must now be retained.These duties also allow us to inspect the retained property and make copies of the photographs. o The duty to cooperate with us in the investigation of a claim is amended to include the requirements to speak and share information with us or any person authorized to act on our behalf, and to provide documents which can be reasonably obtained by you, to facilitate our investigation of the claim. Additionally, a representative of the insured also must cooperate in a claim investigation, and may not obstruct our investigation of a claim and may not act in any manner to prevent us (or a person authorized by us)from investigating the claim. C11 The duty to give us complete inventories of damaged and undamaged property is expanded to include providing descriptions, quantities, costs, values and amount of loss claimed. 6 CNRW1 0220 Packet Pg. 2702 M.7.a The duty to provide requested records and documents is expanded to include providing updates and revised documentation and to permit us or any person authorized to act on our behalf, to make copies. * The following duties are added: ■ Allow us or any person authorized to act on our behalf as often as we reasonably require access to the location insured,to inspect all damaged property prior to its removal from the insured location and to examine your books and records. ■ Allow us or any person authorized to act on our behalf to require the insured, their representative, or both if reasonably possible to be present at our inspection and to assist in identifying the damaged property during the inspection. ■ At our request,identify the person or persons with knowledge of how the loss occurred and the extent of damage and identify all persons with knowledge of the facts of the loss. ■ Execute all work authorizations and allow contractors and related parties entry to the property- ■ Keep an accurate record of repair expenses. ■ A duty to cooperate in obtaining and executing any necessary municipal, county or other governmental documentation or permits for repairs to be made and any necessary work authorizations as required by these entities. ■ To the degree reasonably possible, retain the damaged property and any photographs of the damaged property and permit us to inspect the retained property and make copies of p the photographs. S n • To the degree reasonably possible, prior to materially altering, destroying, trenching or excavating any part of the property or structure insured, allow us or any person authorized to act on our behalf, the opportunity to inspect the property. 2 ■ To the degree reasonably possible,permit us or any person authorized to act on our behalf, to take samples of the damaged and undamaged property for inspection, testing and ®_ analysis. c; The duty to submit to examinations under oath and recorded statements is amended to: • Require the person to be examined under oath or whose recorded statement will be taken to submit to examination at the location insured or other reasonable location designated by us. `V ■ Provide documentation of their identity. `V ■ Sign any transcript of the examinations and recorded statements. ■ Allow parties that represent us to request the examinations and statements. ■ Requires such examinations and statements, if requested by us or any person authorized to act on our behalf, to be either in-person, or utilize video and audio technology, or both, as determined by us. • Such examinations may be about any matter relating to the insurance or claim including an insured's books and records b. Duties Of An Assignee. In case of a loss to covered property,we have no duty to provide coverage to an"assignee"if there is failure by the assignee to comply with any of the following duties. These duties must be performed by the assignee. Pursuant to Florida law, in a claim arising under an a assignment agreement, an assignee has the burden to demonstrate that we are not prejudiced by = the assignee's failure to perform the following duties: Cooperating with us in the investigation of a claim. Maintaining records of all services provided under the assignment agreement. — Providing requested records and documents, including accurate and up-to-date revised estimates of the scope of work. =_ C) Delivery of an executed assignment agreement within 3 business days (includes information regarding delivery of notice of the assignment agreement by the assignee to us). _® Assignees are also required to perform the work in accordance with accepted industry standards. _ c. Application of Duties.The requirements that the duties apply regardless of whether a person retains -_ or is assisted by a party who provides legal advice, insurance advice or expert claim advice, regarding an insurance claim under this policy are formatted to this separate Duties After Loss ®_ section of Application of Duties. 7 CNRW1 0220 Packet Pg. 2703 M.7.a • Part V. "Loss Payment" under Loss Conditions is amended to add that payment of a portion of the claim(s)being asserted in a loss under this Policy does act as a waiver of our right to dispute or deny any unpaid portion of any claim(s)that you may assert arose from a loss. • Part W. "Loss Payment" under Loss Conditions is amended to add that in no event will we make duplicate payments for the same element of loss because of the insured's failure to notify us of termination of the"assignment agreement". • Part DD. "Claim, Supplemental Claim Or Reopened Claim Loss" under Loss Conditions is formatted to a separate policy condition. • Part JJ. Three new definitions are introduced, as follows: o Assignee:A person who is assigned post-loss benefits through an assignment agreement. o Assignment agreement: Any instrument by which post-loss benefits under a residential property insurance policy are assigned or transferred, or acquired in any manner, in whole or in part, to or from a person providing services to protect, repair, restore, or replace property or to mitigate against further damage to the property. o Assignor:A person who assigns post-loss benefits under a residential property insurance policy to another person through an assignment agreement. FLORIDA CHANGES—LEGAL ACTION AGAINST US, form CIT 0175 02 20(Formerly CIT 0175 09 07) 2 The Florida Changes - Legal Action Against Us form is amended to differentiate between an insured's _ duties and an assignee's duties prior to filing suit. • If there is failure to agree on a settlement regarding the loss, prior to filing suit, the insured must notify us in writing of their disagreement. Additionally the provision of"No action can be brought against us, unless:" applicable to insureds, is amended to add that no action can be brought against us unless a > notice of loss has been given to us. S • The Suit By An Assignee condition includes provisions regarding notification and requirements prior to the assignee filing suit, with information regarding delivery of notice. The notice must specify the damages in dispute, the amount claimed, and presuit settlement demand. The assignee must also include a detailed written invoice or estimate of service, including itemized information on equipment, materials, supplies and proof that the work has been performed in accordance with accepted industry standards. Additionally, the condition stipulates no action can be brought against us unless the action is started within 5 years after the date of the loss. o As a condition to filing suit, an assignee must submit to examinations under oath and recorded statements conducted by us or our representative that are reasonably necessary, at the location insured,or other reasonable location designated by us or our representative,while not in the presence of each other or any insured. (Examinations under oath and recorded statements must be based upon the scope of the work and complexity of the claim, limited to matters related to the assignees services provided,the cost of the services and the assignment agreement.).This duty requires that assignees to be examined under oath or whose recorded statement will be taken to: • Provide government issued photo identification or, if they do not possess government issued photo identification a signed sworn statement of their identity. ■ Sign any transcript of the examinations under oath and recorded statements. ■ Such examinations and recorded statements must be either in-person or utilize video and audio technology, or both, as determined by us. References to provisions within the endorsement are also edited as applicable. This Notice of Change in Policy Terms is a summary of changes in your renewal policy and does not include all specific changes made to the coverages, exclusions, limitations, reductions, deductibles, coinsurance, renewal, cancellation and other provisions found in the policy. Refer to the policy for exact coverage description and specifics. This Notice of Change in Policy Terms is for informational purposes only and does not amend or change any of the actual provisions of the insurance contract, nor does it imply there is coverage other than as specified in the actual policy, its Declarations and its endorsements. CNRW1 0220 Packet Pg. 2704 M.7.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 rxonxir NSURNM WAVOR WN POLICY CHANGE SUMMARY POLICY NUMBER:00015845-7 POLICY PERIOD FROM 05/29/2020 TO 05/29/2021 at 12:01 a.m.Eastern Time Transaction:RENEWAL Item Prior Policy information Amended Policy Information Locations and Buildings 10, 50 HIGH POINT RO 1-TWO STORY 4 UNIT WIND RESISTIVE GOVERNMENTAL CENTER 0 Roof Remaining Useful Life(Years) 5 a 4' y 11.53 HIGHPOINT RD 1:ONE STORY WIND RESISTIVE,FAIL BLDG r ' Roof Remaining Useful Life(Years) 5 4 `� g 12; 380 KEY DEER BLVD 2 - 1:ONE STORY MASONRY AARP BUILDING 0 Coverages s= Building Coverage o Limit 337,000 347.000 pD Most Recent Inflation Amount Ext 337000.00 347000,00 Most Recent Inflation Amt TRC Ext 337000.00 347000.00 Building Coverage.Total Replacement Cost $337,000I'll $347,000 N Hurricane,Other Windstorm or Hail Deductible Amount $16.850 $17,350 CD N- 13: 151 MARINE AVE ' 1:ONE STORY WIND RESISTIVE FIRE AND AMBULANCE N STATION Roof Remaining Useful Life(Years) 51 m -�— 4 y %3981 OCEAN TERR 1;ONE STORY WR JAIL Roof Remaining Useful Life(Years) 5 4 15:22798 OVERSEAS HWY 1` 1.TWO STORY 10 UNIT WIND RESISTIVE COUNTY OFFICE _ _ -- Roof Remaining Useful Life(Years) 5 4 17:3117 OVERSEAS HWY 1:ONE STORY WIND RESISTIVE SUB-COURTHOUSE BLDG Covaragas _ - _ _ Building Coverage Most Recent Inflation Amt TRC Ext 944000,00 973000-00 Building Coverage:Total Replacement Cost $944 000 $973.000 ilak Roof Remaining Useful Life(Years) 5 4 __ _1:�_.535._�._.__RD 33 . -- 1;ONE STORY MASONRY AARP BUILDING KIA MELVIN LOVITT SENIOR CITIZEN BUILDING Coverages Building Coverage This summary is for informational purposes only and does not change any of the terms or provisions on your policy. Please =_ carefully review your policy Declarations and any attached forms for a complete description of coverage. -_ IEW LP CS 01 14 Packet Pg. 2705 M.7.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROnR1Y MUMNCE CURW .11,f h.. POLICY CHANGE SUMMARY Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Item Prior Policy Information Amended Policy Information Limit 296,000 305,000 Most Recent Inflation Amount Ext 296000.00 305000.00 Most Recent Inflation Aml TRC Ext 296000.00 305000.00 Building Coverage:Total Replacement Cost $296,000 $305.000 Hurricane,Other Windstorm or Hail Deductible Amount $14,800 $15,250 20:9400 OVERSEAS HWY 2:AIRCRAFT HANGER Coverages Building Coverage E Limit 486,000 501'000 Most Recent Inflation Amount Ext 486000.00 501000.00 Most Recent Inflation Amt TRC Ext 486000.00 501000.06 Building Coverage:Total Replacement Cost $486.000 $501.000 Hurricane,Other Windstorm or Hail Deductible Amount $24,300 $25,050 3:AIRCRAFT HANGER Coverages > Building Coverage Limit 486,000 601,000 Most Recent Inflation Amount Ext 486000.00 501000.00 Most Recent Inflation Amt TRC Ext 486000.00 501000.00 Building Coverage:Total Replacement Cost $486,000 $501,000 r Hurricane,Other Windstorm or Hail Deductible Amount $24,300 $25,050 4:AIRCRAFT HANGER Coverages Building Coverage Limit 486,000 501,000 ?A Most Recent Inflation Amount Ext 486000.00 501000.00 Most Recent Inflation Amt TRC Ext 486000.00 501000.00 Building Coverage:Total Replacement Cost $486,000 $501,000 CJ Hurricane,Other Windstorm or Hail Deductible Amount $24,300 $25,050 21: 10100 OVERSEAS HWY 2:AIRCRAFT HANGER Coverages Building Coverage Limit 361,000 372,000 Most Recent Inflation Amount Ext 361000.00 372000,00 Most Recent Inflation Amt TRC Ext 361000.00 372000.00 Building Coverage:Total Replacement Cost $361.000 $372,000 Hurricane,Other Windstorm or Hail Deductible Amount $18,060 $18,600 22:88220 OVERSEAS HWY Location Num 23 22 1:TWO STORY 4 UNIT WR COUNTY OFFICE Roof Remaining Useful Life(Years) 5 4 23: 101485 OVERSEAS HWY Location Num 24 23 24: 1100 SIONTON ST This summary is for informational purposes only and does not change any of the terms or provisions on your policy. Please carefully review your policy Declarations and any attached forms for a complete description of coverage. Packet Pg. 2706 PCS 01 14 1 rage z of DI M.7.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 1•RORRCY INSURN&L LUNIMMAWN POLICY CHANGE SUMMARY Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Item Prior Policy Information Amended Policy Information Location Num 25 24 .. 1:TWO STORY 8 UNIT WR OFFICE BLDG Roof Remaining Useful Life(Years) 5 4 25:3491 ROOSEVELT BLVD S Location Num 26 25 �2:TWO STORY WIND RESISTIVE BUS TERMINAL _ Roof Remaining Useful Life(Years) 5 4 26:35B3 S ROOSEVEL7 BLVD Location Num 27 26 1:ONE STORY MASONRY COUNTY GARAGE BLVD Coverages Ch m Building Coverage N Limit 348,000 359,000 _ g Most Recent Inflation Amount Ext 348000.00 359000.00 v ...�..._........_ .� Most Recent Inflation Amt TRC Ext... 348000.00 359000.00 2 Building Coverage:Total Replacement Cost $348.000 $359,000 Hurricane,Other Windstorm or Hail Deductible Amount $17,400 $17.950 �5 27:1016 GEORGIA ST N Location Num — 26 27 W _.. .. __ . .. ®....... --- -- 1:TWO STORY 5 UNIT WR OFFICE BUILDING Building Num 2 1 Roof Remaining Useful Life(Years) 5 a nl 28:500 WHITEHEAD ST — cal Location Num 29 28 CD N- - --- 29:510 WHITEHEAD ST CD - C44 Location Num 30 29 y 30:530 WHITEHEAD ST _ Location Num 31 30 1:THREE STORY 4 UNIT WIND RESISTIVE JUSTICE BLDG Roof Remaining Useful Life(Years) 5 4 31:936 WHITEHEAD ST Location Num 32 31 1:ONE STORY FRAME MUSEUM Coverages d- Building Coverage Limit .__. 416,000 429,000 Most Recent Inflation Amount Ext 416000.00 429000.00 _ Most Recent Inflation Aml TRC Ext 416000.00 429000.00 Building Coverage:Total Replacement Cost $416,000 $429,000 mm Hurricane,Other Windstorm or Hail Deductible Amount $20,800 $21,450 32 700'FLEMING ST __... mm Location Num 33 32 s 33:20950 OVERSEAS HWY Location Num 34 33 1:ONE STORY MASONRY SHERIFF SUBSTATIONIFIRE STATION LOC: Coverages r This summary is for informational purposes only and does not change any of the terms or provisions on your policy. Please carefully review your policy Declarations and any attached forms for a complete description of coverage. # Packet Pg. 2707 PCS 01 14 M.7.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PWONIr INAWNCL CORKWAiRO. POLICY Policy Number:00015845-7 Effective Date: 05/29/2020 to 05/29/2021 Item Prior Policy Information men Policy Information Building Coverage Limit 307,000 317,000 Most Recent Inflation Amount Ext 307000.00 317000.00 Most Recent Inflation Amt TRC Ext 307000.00 317000.00 Building Coverage:Total Replacement Cost $307.000 $317,000 Hurricane,Other Windstorm or Hail Deductible Amount $15,350 $15,850 34:Sheriffs dispatch office Location Num 35 34 35:5565 MACDONALD AVE Location Num 36 35 36:9480 OVERSEAS HWY Location Num 37 36 3:10600 AVIATION BLVD 1:ONE STORY MASONRY COUNTY OFFICE Coverages Building Coverage Limit 260,000 268.000 Most Recent Inflation Amount Ext 260000.00 268000.00 Most Recent Inflation Amt TRC Ext 260000.00 268000.00 Building Coverage:Total Replacement Cost $260,000 $268,000 Hurricane,Other Windstorm or Hail Deductible Amount $13.000 $13,400 2:ONE STORY MASONRY FLEET MAINTENANCE FACILITY CD Coverages Building Coverage Most Recent Inflation Amt TRC Ext 1080000.00 1113000.00 N Building Coverage:Total Replacement Cost $1M0,000 $1,113,000 y 7:5525 COLLEGE RD 1:THREE STORY WIND RESISTIVE SHERIFF'S ADMINISTRATION BLDG Roof Remaining Useful Life(Years) 5 4 8:10 CONCH AVE 1:TWO STORY WR FIRE STATION Coverages Building Coverage First Loss No Yes Most Recent Inflation Amt TRC Ext 1149000.00 1185000,00 Building Coverage:Total Replacement Cost $1,149,000 $1,185,000 Hurricane,Other Windstorm or Hail Deductible Amount $47,100 $59,250 Roof Remaining Useful Life(Years) 5 4 9:28 EMERALD DR 1:TWO STORY WIND RESISTIVE BIG COPPITT FIRE SAFETY FACILITY Coverages Building Coverage Most Recent Inflation Amt TRC Ext 1134000.00 1169000.00 Building Coverage:Total Replacement Cost $1,134,000 $1.169,000 Roof Remaining Useful Life(Years) 5 4 This summary is for informational purposes only and does not change any of the terms or provisions on your policy. Please carefully review your policy Declarations and any attached forms for a complete description of coverage. Packet Pg. 2708 or c n1 I Oar.®A —f F M.7.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 fE•••3uMlY INSUIIANC!WHKMAUUN POLICY CHANGE SUMMARY Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Item Prior Policy Information Amended Policy Infonnatlon CD E 0 — v � r n D � V N CD CD CD U id This summary is for informational purposes only and does not change any of the terms or provisions on your policy.Please carefully review your policy Declarations and any attached forms for a complete description of coverage. Packet Pg. 2709 Pf:S n1 14 , M.7.a r6mITIZENS CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 JACKSONVILLE FL 32202-5142 PROMMY MUKANCt 1U11PORAIMN COMMERCIAL PROPERTY POLICY DECLARATIONS POLICY NUMBER:00015845-7 POLICY PERIOD FROM 05/29/2020 TO 05/29/2021 at 12:01 a.m. Eastem Time Transaction: RENEWAL CNR-W Pay Plan:Citizens Full Pay Bill: Insured Billed Named Insured and Mailing Address Agent Fl.Agent Lic.# MONROE COUNTY, FLORIDA JOLENE ALLEN P097874 1 ATTN: MARIA SLAVIK, RISK MANAGEMENT THE JOHNSON'S INSURANCE ADVISORS, 1100 SIMONTON ST LLC KEY WEST, FL 33040 13361 OVERSEAS HIGHWAY MARATHON, FL 33050 Primary Email Address:slavik-maria@monroecounty- fl.gov fl.gov Telephone:305-295-3178 Telephone: 305-289-0213 IN RETURN FOR THE PAYMENT OF THE PREMIUM,AND SUBJECT TO ALL THE TERMS OF THIS POLICY,WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. > THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE FOR WHICH A PREMIUM IS INDICATED.THIS PREMIUM MAY 76 BE SUBJECT TO ADJUSTMENTS. PREMIUM COMMERCIAL PROPERTY COVERAGE PART $695,890.00 cv CD Required Additional Charges: cv Catastrophe Financing Surcharge $104,384.00 Tax-Exempt Surcharge $12,178.00 TOTAL: $812,452,00 N See Form CDEC-FE-SCH—Commercial Policy Forms And Endorsements Schedule Countersigned:03/30/2020 Authorized By:JOLENE ALLEN BY: Issued Date: 03/30/2020 Barry J.Gilway President/CEO and Executive Director Citizens Property Insurance Corporation CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 44 with its permission. Packet Pg. 2710 M.7.a kf4.,-r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 PRO1101Y RAMIR NCI WW"MI[UN COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name:MONROE COUNTY, FLORIDA LOCATION NO. 1 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code:0843 BUSINESS DESCRIPTION:Auditoriums and Halls DESCRIPTION OF PREMISES 1: 535 33RD ST ONE STORY MASONRY AARP BUILDING K1A MELVIN LOVITT SENIOR CITIZEN BUILDING Location Address Group I Construction Group It Construction Protection Class SCEGS Grade _ 535 33RD ST N/A Masonry NIA Ungraded Group I Territory Group II Territory Coastal Territory No.of Units MARATHON,,FL 33050-2301 N/A NIA Monroe-85 1 W COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Total Covered Replacement o Limit Of Causes Cost/BPP Actual ry Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss Building(Bldg) $305.000 Wind $305,000 80% Class $5,056.00 No g 0 Business Personal Properly $31,100 Wind $31,100 80% Class $493.00 No (BPP) > Your coverage limits have been adjusted for inflation. m OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below ID Coverage Premium Replacement Cost Building Business Personal Property Yes No DEDUCTIBLE Hurricane,Other Windstorm or Hail Percentage Deductible y Deductible Percentage(Deductible Amount) Bldg: 5%($15,250) BPP: 5%($1,555) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1926 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design ®_ N/A NIA Protective Devices NIA NIA ®_ None Mortgageholder(s)&Other Policyholder Interests)—See Policy Interest Schedule. PREMIUM: $5,549.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 2 of 44 awith its permission, Packet Pg. 2711 M.7.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENSJACKSONVILLE FL 32202-5142 VWUPUM MUMNU CUHPUHpIM COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.2 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code:0702 BUSINESS DESCRIPTION:Offices-Non-Governmental DESCRIPTION OF PREMISES 2.490 63RD ST ONE STORY SWR GOVERNMENT CENTER ANNEX Location Address Group I Construction Group II Construction Protection Class SCEGS Grade 490 63RD ST N/A Semis Wind Resistive NIA Ungraded MARATHON,FL 33050 Group I Territory Group II Territory Coastal Territory No.of Units NIA NIA Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. sm Total 0 Covered Replacement Limit Of Causes Cost1BPP Actual — Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss Building(Bldg) $970.000 Wind $1,477.000 NIA Class $12,193.00 Yes Business Personal Property $30 000 Wind $30,000 80% Class $298.00 No (BPP) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes No cv DEDUCTIBLE cv Hurricane,Other Windstorm or Hall Percentage Deductible Deductible Percentage(Deductible Amount) ?n Bldg: 5%($73,850) BPP: 5%($1,500) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR E C 1937 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices N/A NIA None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$12,491.00 CDEC1 1219 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 44 with its permission. Packet Pg. 2712 M.7.a r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 PROMPY INSUNANU LORM MINIM COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date: 05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.3 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code:0702 BUSINESS DESCRIPTION:Offices-Non-Governmental DESCRIPTION OF PREMISES 3: 10600 AVIATION BLVD ONE STORY MASONRY COUNTY OFFICE Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 10600 AVIATION BLVD NIA Masonry NIA Ungraded MARATHON,FL 33050 3058 Group I Territory Group 11 Territory Coastal Territory No.of Units NIA NIA Monroe-85 1 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shawn. Total E Covered Replacement t7 Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss v Budding(Bldg) $268,000 Wind $268,000 80% Class $4,442.00 No t Business Personal Property $62,400 Wind $62,400 80% Class $990.00 No r (BPP) Your coverage limits have been adjusted for inflation_ OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes No DEDUCTIBLE CD N Hurricane,Other Windstorm or Hall Percentage Deductible N Deductible Percentage(Deductible Amount) to Bldg: 5%($13,400) BPP: 5%($3,120) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1990 N/A NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A NIA Protective Devices NIA NIA None Mortgageholder(s)&Other Policyholder Interest(s)--See Policy Interest Schedule. PREMIUM: $5,432.00 s CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 4 of 44 with its permission, Packet Pg. 2713 M.7.a rrevITIZENS CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 JACKSONVILLE FL 32202-5142 MunNITiNSUMH cWHRWAIWN COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date: 05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY,FLORIDA LOCATION NO.3 BUILDING OR SPECIAL CLASS ITEM NO.2 CSP Code: 0932 BUSINESS DESCRIPTION:Automobile Repair or Service Shops-Auto glass replacement,battery replacement,brake adjustment, tire changing,tune ups(points,plugs and carburetor adjustment)oil changing,lubrications,speedometer adjustments and similar services_ DESCRIPTION OF PREMISES 3: 10600 AVIATION BLVD ONE STORY MASONRY FLEET MAINTENANCE FACILITY Location Address Group I Construction Group tl Construction Protection Class BCEGS Grade NIA Masonry NIA Ungraded 10600 AVIATION BLVD MARATHON.FL 33050-3058 Group I Territory Group II Territory Coastal Territory No.of Units NIA NIA Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. �+ Total Covered Replacement W Limit Of Causes CiosVBPP Actual Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss 2 Building(Bldg) $946.,000 Wind $1113,A00 80% Class $15,681.00 No Business Personal Property $54.000 Wind $54,000 80°, Class $856.00 No (BPP) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property t`l Yes NoCD cN DEDUCTIBLE CD Hurricane,Other Windstorm N or Hall Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($47,300) cJ BPP: 5%($2,700) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $16,537.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 5 of 44 with its permission. Packet Pg. 2714 M.7.a kfb.,-r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 ftopiWv INSUMMU COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date: 05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.4 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code:0702 BUSINESS DESCRIPTION:Offices-Non-Governmental DESCRIPTION OF PREMISES 4:6 COCO PLUM RD CONTENTS OF SHERIFF'S SUBSTATION IN A TWO STORY MASONRY BLDG Location Address Group I Construction Group Il Construction Protection Class BCEGS Grade 6 COCO PLUM DR NIA Masonry NIA Ungraded Group I Territory Group it Territory Coastal Territory No.of Units MARATHON,FL 33050-4013 NIA NIA Monroe 85 1 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Limit Of Causes BPP Actual N Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss C N Business Personal Property $259,300 Wind $259.300 80% Class $4,112,00 No W S (BPP) v OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property M to No n DEDUCTIBLE Hurricane,Other Windstorm or Hall Percentage Deductible CD Cl Deductible Percentage(Deductible Amount) CD' N CD BPP: 5%($12,965) y WINDSTORM MITIGATION FEATURES N Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Mortgageholder(s)&Other Policyholder Interest(s)mm-See Policy Interest Schedule. PREMIUM: $4,112.00 112 77 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 6 of 44 with its permission. Packet Pg. 2715 M.7.a �� CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 Pkmouv INSIiRm&k cuRi[1kAmm COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845.7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY,FLORIDA LOCATION NO.5 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code:0852 BUSINESS DESCRIPTION: Health Care Facilities-Homes for the aged and homes for the physically handicapped or orphaned DESCRIPTION OF PREMISES 5:5200 COLLEGE ROAD ONE STORY MASONRY HOMES FOR THE AGED Location Address Group 1 Construction Group Il Construction Protection Class BCEGS Grade 5200 COLLEGE RD MA Masonry NIA Ungraded KEY WEST,FL 33040-4302 Group I Territory Group 11 Territory Coastal Territory No.of Units NIA N,+A Monroe-86 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Total Covered Replacement o Limit Of Causes CosVBPP Actual Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss c Building(Bldg) $968.000 Wind $1,324.000 NIA Class $8.802.00 Yes W Business Personal Property $32.000 Wind $32.000 80% Class $184.00 No 2 (BPP) 0 OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost 76 Building Business Personal Property Yes No DEDUCTIBLE Hurricane,Other Windstorm or Bail Percentage Deductible CD CD Deductible Percentage Deductible Amount) Bldg: 5%($66,200) BPP:5% ($1,600) WINDSTORM MITIGATION FEATURES tJ Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1989 NIA NIA Connection NIA E NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Mortgageholder(s)S Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $8,986.00 CDEC1 12 19 Includes copyrighted material of insurance Services Office, Inc., Page 7 of 44 with its permission. Packet Pg. 2716 M.7.a !�r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CI I�C�J JACKSONVILLE FL 32202-5142 PIWKRIr 04SURANcl l'UNPUMI ION COMMERCIAL. PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.6 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1000 BUSINESS DESCRIPTION: Governmental Subdivisions-Jails DESCRIPTION OF PREMISES 6: 5501 COLLEGE RD CONTENTS IN A TWO STORY WIND RESISTIVE BLDG OCCUPIED AS A JAIL AND OFFICE Location Address Group I Construction Group II Construction Protection Class SCEGS Grade .o D NIA Wind Resistive N/A Ungraded 5501 COLLEGE R STOCK ISLAND, 33040 4307 Group I Territory Group II Territory Coastal Territory No.of Units NIA NIA Monroe-86 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Limit Of Causes BPP Actual a Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss E Business Personal Property $1,000,000 Wand $1.000,000 80% Class $5.620.00 No r (BPP) 3 OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below 0 Coverage Premium Replacement Cost Building Business Personal Property No 4DEDUCTIBLE Hurricane,Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) CCD V CD BPP: 5%($50,000) y WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR i3 C 1995 NIA NIA Connection NIA NIA m Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None 9 Mortgageholder(s)$Other Policyholder Interest(s) See Policy Interest Schedule. PREMIUM: $5,620.00 5 s 7 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 8 of 44 with its permission, Packet Pg. 2717 M.7.a rrrvITIZENS CITIZENS PROPERTY INSURANCE CORPORATION 301 IN BAY STREET, SUITE 1300 JACKSONVILLE FL 32202-5142 PikonmY INSU"ha L'ISAMMIRUN COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845=7 Effective Date:05/2912020 to 05/29/2021 Insured Name: MONROE COUNTY„ FLORIDA LOCATION NO.7 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION:Offices- Non-Governmental DESCRIPTION OF PREMISES 7: 5525 COLLEGE RD THREE STORY WIND RESISTIVE SHERIFF'S ADMINISTRATION BLDG Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 5525 COLLEGE RD NIA Wind Resistive NIA Ungraded Group I Territory Group II Territory Coastal Territory No.of Units STOCK ISLAND,FL 33040-4307 NIA NIA Monroe $6 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Totalo Covered Replacement Limit Of Causes Cost1BPP Actual Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss Building(Bldg) $500,000 Wind $5.460,000 NfA Class $15,990.00 Yes Business Personal Property $500,000 Wind $1,562,786 NfA Class $6.061,00 Yes (BPP) > OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes No r DEDUCTIBLE CD N Hurricane,Other Windstorm CD or Hail Percentage Deductible CD N Deductible Percentage(Deductible Amount) ut Bldg: 5%($273,000) BPP: 5%($78,139) U WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 NIA N/A Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$22,051.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 9 of 44 with its permission. Packet Pg. 2718 M.7.a �r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 MIOPLMIY INUIRMUL VONn)MAIWN COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.8 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1070 BUSINESS DESCRIPTION: Firehouses DESCRIPTION OF PREMISES 8: 10 CONCH AVE TWO STORY WR FIRE STATION Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 10 S CONCH AVE N/A Wind Resistive WA Ungraded CONCH KEY,FL 33050-6910 Group I Territory Group li Territory Coastal Territory No.of Units NIA WA Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Total Covered Replacement Limit Of Causes Cost(BPP Actual y Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss Sn Building(Bldg) $942,000 Wind $1,1e5,000 N/A Class $7,00900 Yes Business Personal Property $58,000 Wind $58,000 80% Class $389,00 No v (BPP) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property W Yes No DEDUCTIBLE r N Hurricane,Other Windstorm CD N or Hail Percentage Deductible CD N Deductible Percentage(Deductible Amount) CD N Bldg: 5%($59,250) ?A BPP: 5%($2,900) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wail SWR C 1950 NIA NIA Connection NIA m NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design M — NIA NIA Protective Devices NIA NIA �' = None Mortgageholder(s)81 Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $7,398.00 rDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 10 of 44 I= with its permission. — Packet Pg. 2719 ...._ M.7.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 MOM IT INWRANLT COKP11NIHM COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.9 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1070 BUSINESS DESCRIPTION: Firehouses DESCRIPTION OF PREMISES 9:28 EMERALD DR TWO STORY WIND RESISTIVE BIG COPPITf FIRE SAFETY FACILITY Location Address Group I Construction Group II Construction Protection Class SCEGS Grade NIA Wind Resistive NIA 04 28 EMERALD DR Group I Territory Group II Territory Coastal Territory No.of Units KEY WEST,FL 33040 5636 NIA NIA Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. E Covered Total 0 Limit Of Causes Replacement Coverage Insurance Of Loss Cost Coinsurance Rates Premium First Loss — Building(Bldg) $1,000,000 Wind $1,169,000 80% Class $6,877.00 No W OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes DEDUCTIBLE Hurricane,Other Windstorm or Hall Percentage Deductible CD Deductible Percentage(Deductible Amount) CV CD Bldg:5%($50,000) CD WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $6,877.00 CDEC1 1219 Includes copyrighted material of Insurance Services Office, Inc., Page 11 of 44 with its permission. Packet Pg. 2720 M.7.a �r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 3220241142 PRUPtNIY p6umNCk CoRru"110N COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date: 05/29/2020 to 05/29/2021 Insured Name:MONROE COUNTY, FLORIDA LOCATION NO. 10 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code:0702 BUSINESS DESCRIPTION:Offices-Non-Governmental DESCRIPTION OF PREMISES 10:50 HIGH POINT RD TWO STORY 4 UNIT WIND RESISTIVE GOVERNMENTAL CENTER Location Address Group I Construction Group 11 Construction Protection Class BCEGS Grade .� 50 HIGH POINT RD NIA Wind Resistive NIA Ungraded 50 HIGH ER.FL 33070-2022 Group I Territory Group II Territory Coastal Territory No.of Units NIA NIA Monroe 85 4 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Total o 0 Covered Replacement Limit Of Causes Cost16PP Actual v Coverage insurance Of Loss Cash Value Coinsurance Rates Premium First Loss r Building(Bldg) $850.000 Wind $3,954,000 NIA Class $17,699.00 Yes 0 3 Business Personal Property $150.000 Wind $196,011 NIA Class $1,040.00 Yes (BPP) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost °v Building Business Personal Property Yes No r DEDUCTIBLE CD cv Hurricane,Other Windstorm CD or Hail Percentage Deductible CD N cv Deductible Percentage(Deductible Amount) to Bldg: 5%($197,700) BPP:5%($9,801) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1977 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design =_ NIA NIA Protective Devices NIA NIA —_ None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$18,739.00 CDEC1 12 19 Includes copyrighted materials of Insurance Services Office, Inc., Page 12 of 44 with its permission. l Packet Pg. 2721 M.7.a rr- rvITIZENS CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 JACKSONVILLE FL 32202-5142 PRunRIY MURANCk CURF WOON COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 11 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1000 BUSINESS DESCRIPTION:Governmental Subdivisions.Jails DESCRIPTION OF PREMISES 1L 53 HIGHPOINT RD ONE STORY WIND RESISTIVE JAIL BLDG Location Address Group I Construction Group 11 Construction Protection Class BCEGS Grade 53 HIGH POINT RD NIA Wind Resistive NIA Ungraded TAVERNIER,FL 33070-2005 Group I Territory Group II Territory Coastal Territory No.of Units N)A N#A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Total Covered Replacement Limit Of Causes CostIBPP Actual 'c Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss Building(Bldg) $913,000 Wind $1,269,000 NIA Class $7,214.00 Yes Business Personal Property $87,000 Wind $87,000 801 Class $584.00 No (BPP) . OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost 76 Building Business Personal Property Yes No DEDUCTIBLE cv Hurricane,Other Windstorm or Hail Percentage Deductible cv Deductible Percentage(Deductible Amount) CD N Bldg: 5%($63,450) BPP: 5%($4,350) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1990 NIA NIA Connection NIA m NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$7,798.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 13 of 44 with its permission. Packet Pg. 2722 M.7.a �� CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 PHOnR1Y IMUMNCE COKKKA Wh COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 12 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code:0757 BUSINESS DESCRIPTION:Clubs-NOC, including fraternal and union halls DESCRIPTION OF PREMISES 12: 380 KEY DEER BLVD ONE STORY MASONRY AARP BUILDING Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 380 KEY DEER BLVD NIA Masonry NIA Ungraded BIG PINE KEY,FL 33043-4901 Group I Territory Group II Territory Coastal Territory No.of Units N/A NIA Monroe-85 1 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Limit Of Causes Replacement Coverage Insurance Of Loss Cost Coinsurance Rates Premium First Loss Building(Bldg) $347,000 Wind $347,000 80% Class $5,752.00 No v Your coverage limits have been adjusted for inflation. OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below a Coverage Premium Replacement Cost Building Business Personal Property Yes m n DEDUCTIBLE Hurricane,Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) CD N Bldg: 5%($17,350) CD CD WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1982 NIA WA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $5,752.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 14 of 44 with its permission, Packet Pg. 2723 M.7.a �r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 PRMP jj mURANCL CURPURAIIUN COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 13 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1070 BUSINESS DESCRIPTION: Firehouses DESCRIPTION OF PREMISES 1& 151 MARINE AVE ONE STORY WIND RESISTIVE FIRE AND AMBULANCE STATION Location Address Group 1 Construction Group It Construction Protection Class BCEGS Grade NIA Wind ResslNe NIA Ungraded 151 MARINE AVE Group I Territory Group 11 Territory Coastal Territory No.of Units TAVERNIER,FL 33070=2620 NIA NIA Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Total Covered Replacement Limit Of Causes Ciost1BPP Actual S Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss Building(Bldg) $888,000 Wind $1,293.000 NIA Class $7.361.00 Yes Business Personal Property $112,000 Wind $112.000 80% Class $751.00 No (BPP) S OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below 76 Coverage Premium Replacement Cost Building Business Personal Property � Yes No c- N DEDUCTIBLE CD CD Hurricane,Other Windstorm N CD or Hail Percentage Deductible Deductible Percentage(Deductible Amount) N Bldg: 5%($64,650) BPP: 5% ($5,600) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR E C 1970 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Mortgageholder(s)S Other Policyholder Interest(s)--See Policy Interest Schedule. PREMIUM: $8,112.00 CDEC1 12 19 Includes copyrighted material of insurance Services Office, Inc., Page 15 of 44 with its permission. Packet Pg. 2724 M.7.a kfk"—r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 YRUPkR(Y INSURRHCf LWRP1IX/IIIUN COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 14 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1000 BUSINESS DESCRIPTION:Governmental Subdivisions-Jails DESCRIPTION OF PREMISES 14:3981 OCEAN TERR ONE STORY WR JAIL Location Address Group I Construction Group II Construction Protection Class BCEG5 Grade 3981 OCEAN TER NIA Wind Resistive NIA Ungraded MARATHON,FL 33050-2300 Group I Territory Group It Territory Coastal Territory No.of Units NIA NIA Monroe-85 1 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Total E Covered Replacement C Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss E , Building(Bldg) $908,079 Wind $1.213,000 NIA Class $7,009.00 Yes Business Personal Property $91,921 Wind $91,921 80% Class $617.00 No (BPP) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost o Building Business Personal Property y Yes No DEDUCTIBLE N Hurricane,Other Windstorm or Hall Percentage Deductible N Deductible Percentage(Deductible Amount) CD CV Bldg: 5%($60,650) ?� BPP:5%($4,596) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1990 NIA NIA Connection NIA m N/A Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A NIA Protective Devices N/A NIA None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $7,626.00 CDEC1 12 19 Includes copyrighted materiai of Insurance Services Office, Inc., Page 16 of 44anEe with its permission. Packet Pg. 2725 M.7.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 PRUPUNY INSURANQ CURRMIOUN COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 15 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code:0702 BUSINESS DESCRIPTION:Offices- Non-Governmental DESCRIPTION OF PREMISES 15:2798 OVERSEAS HWY TWO STORY 10 UNIT WIND RESISTIVE COUNTY OFFICE Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 2798 OVERSEAS HWY N/A Wind Resistive NIA Ungraded Group I Territory Group II Territory Coastal Territory No.of Units MARATHON,FL 33050-4277 NIA NIA Monroe-85 10 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of insurance Is Shown. sm Total o Covered Replacement `c Limit Of Causes Cost1BPP Actual Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss Building(Bldg) $800;000 Wind $3,326.000 NIA Class $15,692.00 Yes W Business Personal Property $200,000 Wind $440,012 NIA Class $2,128.00 Yes (BPP) > OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes No r DEDUCTIBLE CD N Hurricane,Other Windstorm or Hall Percentage Deductible N Deductible Percentage(Deductible Amount) to Bldg:5%($166,300) BPP: 5%($22,001) U WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1993 NIA N/A Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Mortgageholder(s)S Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$17,820.00 CDEC1 12 19 Includes copyrighted material of insurance Services Office, Inc., Page 17 of 44 with its permission. Packet Pg. 2726 M.7.a !�r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 -AMHIY INWK&Kk k'UAPIIRIINUN COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 16 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code:0702 BUSINESS DESCRIPTION:Offices-Non-Governmental DESCRIPTION OF PREMISES 16: 3103 OVERSEAS HWY ONE STORY 3 UNIT MASONRY COURTHOUSE/ POLICE SUBSTATION Location Address Group I Construction Group li Construction Protection Class BCEGS Grade 3103 OVERSEAS HWY NIA Masonry NIA Ungraded Group I Territory Group 11 Territory Coastal Territory No.of Units MARATHON,FL 33050-2346 NIA N/A Monroe 85 3 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance W COVERAGES PROVIDED Is Shown. Total Covered Replacement y Limit Of Causes Cost/BPP Actual _ n Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss _ Building(Bldg) $783.000 Wind $1„354 000 NIA Class $16,847.00 Yes g Business Personal Property $217,000 Wind $217.000 80% Class $3,441.00 No r (BPP) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes No r DEDUCTIBLE N Hurricane,Other Windstorm ' or Hall Percentage Deductible CD N Deductible Percentage(Deductible Amount) N Bldg: 5%($67,700) BPP: 5% ($10,850) U WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1973 NIA NIA Connection N/A NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Morigageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$20,288.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 18 of 44 =_ with its permission. Packet Pg. 2727 M.7.a �r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY„ FLORIDA LOCATION NO. 17 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code:0702 BUSINESS DESCRIPTION:Offices-Non-Governmental DESCRIPTION OF PREMISES 17:3117 OVERSEAS HWY ONE STORY WIND RESISTIVE SUB- COURTHOUSE BLDG Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 3117 OVERSEAS HWY NIA Wind Resistive NIA Ungraded MARATHON,FL 33050.2346 Group i Territory Group 11 Territory Coastal Territory No.of Units MIA NIA Monroe-85 1 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. E Total 0 Covered Replacement Limit Of Causes CostlBPP Actual — Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss Building(Bldg) $814;.000 Wind $973„000 80%, Class $5,955.00 No Business Personal Property $186„000 Wind $186„000 80%, Class $1,248.00 No 0 (BPP) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below 76 Coverage Premium Replacement Cost Building Business Personal Property Yes No N DEDUCTIBLE CD cv Hurricane,Other Windstorm CD cv or Hail Percentage Deductible CD Deductible Percentage(Deductible Amount) ?n Bldg: 5%($40,700) BPP: 5%($9,300) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1976 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $7,203.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 19 of 44 with its permission. Packet Pg. 2728 i M.7.a �r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 r"NVAN€T IMURMCk l'URPURAIfUN COMMERCIAL. PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 18 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code:0702 BUSINESS DESCRIPTION: Offices-Non-Governmental DESCRIPTION OF PREMISES 18:81830 OVERSEAS HWY ONE STORY MASONRY LIBRARY Location Address Group I Construction Group It Construction Protection Class BCEGS Grade 81830 OVt-RSFAS HWY NIA Masonry NIA Ungraded ISLAMORADA,FLI 33036-3606 Group I Territory Group 11 Territory Coastal Territory No.of Units N/A NIA Monroe-85 1 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shawn. Total E Covered Replacement o Limit Of Causes Cost1BPP Actual n Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss Building(Bldg) $570,000 Wind $998,000 NIA Class $12,264.00 Yes r Business Personal Property $430,000 Wind $779,000 NIA Class $9,131.00 Yes t (BPP) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost n Building Business Personal Property Yes No DEDUCTIBLE Hurricane,Other Windstorm or Hail Percentage Deductible N Deductible Percentage(Deductible Amount) CD N Bldg: 5%($49,900) BPP: 5%($38,950) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1935 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None M Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$21,395.00 er. CDEC1 12 19 Includes copyr)ghted materiai of Insurance Services Office, Inc„ Page 20 of 44 _ with its permission. — Packet Pg. 2729 M.7.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202.5142 1%n ray wwwwa co sous COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845 7 Effective Date:05/29/2020 to 05/29/2021 Insured Name:MONROE COUNTY, FLORIDA LOCATION NO. 19 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code:0702 BUSINESS DESCRIPTION:Offices-Non-Governmental DESCRIPTION OF PREMISES 19:3251 OVERSEAS HWY ONE STORY MASONRY LIBRARY BLDG Location Address Group I Construction Group 11 Construction Protection Class BCEG5 Grade 3251 OVERSEAS HWY NIA Masonry NIA Ungraded .� MARATHON,FL 33050-2344 Group I Territory Group 11 Territory Coastal Territory No.of Units WA NIA Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Total sin Covered Replacement Limit Of Causes CosVBPP Actual Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss Building(Bldg) $619„000 Wind $1„100,000 NIA Class $13.739.00 Yes Business Personal Property $381,000 Wind $842,000 WA Class $9,583.00 Yes (BPP) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost 76 Building Business Personal Property Yes No DEDUCTIBLE Hurricane,Other Windstorm or Hail Percentage Deductible N Deductible Percentage(Deductible Amount) CD CV Bldg: 5%($55,000) y BPP: 5%($42,100) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1984 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$23,322.00 CDECI 12 19 includes copyrighted material of Insurance Services Office, Inc., Page 21 of 44 with its permission. Packet Pg. 2730 M.7.a rr- 0.1ITIZENS CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 JACKSONVILLE FL 32202-5142 NUM MY INIAMNCL lOHMMIIIIN COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.20 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code:0567 BUSINESS DESCRIPTION:Airports-Passenger terminals DESCRIPTION OF PREMISES 20:9400 OVERSEAS HWY TWO STORY SWR AIRPORT TERMINAL Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 9400 OVERSEAS HWY NIA Semi Wind Resistive NIA Ungraded MARATHON,FL 33050-3303 Group I Territory Group II Territory Coastal Territory No.of Units NIA NIA Monroe==85 1 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Total Covered Replacement Limit Of Causes CostIBPP Actual p Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss _ n Building(Bldg) $900.000 Wind $4,861,000 NIA Class $31,983.00 Yes v Business Personal Property $100.000 Wind $100,000 80% Class $992.00 No a (BPP) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property N Yes No DEDUCTIBLE N Hurricane,Other Windstorm or Hail Percentage Deductible CD N Deductible Percentage(Deductible Amount) CCD V Bldg:5%($243,050) cn BPP: 5%($5,000) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA �- None — Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $32,975.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc_ Page 22 of 44 with its permission. - Packet Pg. 2731 M.7.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 PHUMUY JMUK"Ct CONMRA UN COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name:MONROE COUNTY, FLORIDA LOCATION NO.20 BUILDING OR SPECIAL CLASS ITEM NO.2 CSP Code: 0940 BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing DESCRIPTION OF PREMISES 20:9400 OVERSEAS HWY AIRCRAFT HANGER Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 9400 OVERSEAS HWY NIA Masonry NIA Ungraded .o MARATHON,FL 33050-3303 Group I Territory Group II Territory Coastal Territory No.of Units NIA NIA Monroe 85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance cc) Is Shown. Covered Total Limit Of Causes Replacement Coverage Insurance Of Loss Cost Coinsurance Rates Premium First Loss Budding(Bldg) $501,000 Wind $501,000 80% Class $8,305A0 No Your coverage limits have been adjusted for inflation. OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below 0 Coverage Premium Replacement Cost Building Business Personal Property 76 Yes DEDUCTIBLE Hurricane,Other Windstorm or Hail Percentage Deductible N Deductible Percentage(Deductible Amount) CV CD Bldg: 5%($25,050) CD N WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2002 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NSA Protective Devices NIA N/A None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $6,305.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 23 of 44 with its permission;. Packet Pg. 2732 M.7.a kfl"-r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET. SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 YHOKWY INWKANCk C0kft"110H COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date: 05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.20 BUILDING OR SPECIAL CLASS ITEM NO.3 CSP Code: 0940 BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing DESCRIPTION OF PREMISES 20:9400 OVERSEAS HWY AIRCRAFT HANGER Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 9400 OVERSEAS HWY N/A Masonry NIA Ungraded MARATHON,FL 33050-3303 Group l Territory Group II Territory Coastal Territory No.of Units NIA N/A Monroe-85 1 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total E Limit Of Causes Replacement o Coverage Insurance Of Lass Cost Coinsurance Rates Premium First Loss Building(Bldg) $501,000 Wind $501,000 80% Class $8.305.00 No r Your coverage limits have been adjusted for inflation. 3 OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below ? Coverage Premium Replacement Cost > Building Business Personal Property _ Yes D DEDUCTIBLE V?, � 5 Hurricane,Other Windstorm or Hail Percentage Deductible CD Deductible Percentage(Deduchbte Amount) CV CD Bldg: 5%($25,050) CD WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR _ C 2002 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design E NIA NIA Protective Devices NIA NIA None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$8,305.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 24 of 44 with its permission. Packet Pg. 2733 M.7.a rr— rt CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 ITI 7 C^f C JACKSONVILLE FL 32202-5142 FAUPMY 5NWHANCf COO Y IJN COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.20 BUILDING OR SPECIAL CLASS ITEM NO.4 CSP Code:0940 BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing DESCRIPTION OF PREMISES 20: 9400 OVERSEAS HWY AIRCRAFT HANGER Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 9400 OVERSEAS HWY NIA Masonry NIA Ungraded .� MARATHON,FL 33050-3303 Group I Territory Group II Territory Coastal Territory No.of Units NIA NIA Monroe-85 1 COVERAGES PROVIDED insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Limit Of Causes Replacement Coverage Insurance Of Loss Cost Coinsurance Rates Premium First Loss y Building(Bldg) $501,000 Wind $501„000 80% Class $8,306.00 No Your coverage limits have been adjusted for inflation, OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Properly Yes DEDUCTIBLE Hurricane,Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) CD CV CD Bldg: 5%($25,050) CD WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR —_ C 2002 NIA NIA Connection NIA iJ NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA N/A Protective Devices NIA NIA � None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$8,305.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 25 of 44 with its permission. Packet Pg. 2734 M.7.a <rrITIZENS CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 JACKSONVILLE FL 32202-5142 VAW Ir Mm5 AAAU L RnMAIIWI COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.21 BUILDING OR SPECIAL.CLASS ITEM NO. 1 CSP Code: 0940 BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing DESCRIPTION OF PREMISES 21: 10100 OVERSEAS HWY ONE STORY MAS AIRCRAFT HANGER#2 Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 10100 OVERSEAS HWY NIA Masonry NIA Ungraded Group 1 Territory Group 11 Territory Coastal Territory No.of Units MARATHON,FL 33050-3340 NIA NIA Monroe 85 1 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Total Covered Replacement Limit Of Causes Cost(BPP Actual n �, Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss Building(Bldg) $950,000 Wind $1.547,000 NIA Class $19,306.00 Yes W o Business Personal Property $50,000 Wind $50,000 80% Class $793.00 No r (BPP) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property N Yes No DEDUCTIBLE Hurricane,Other Windstorm CD or Hall Percentage Deductible CD Deductible Percentage(Deductible Amount) CCD V N Bldg: 5%($77,350) to BPP: 5%($2,500) WINDSTORM MITIGATION FEATURES U Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2002 NIA NIA Connection NIA m N/A Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Mortgageholder(s)&Other Policyholder Interest(s)--See Policy Interest Schedule. PREMIUM: $20,099.00 CDEC1 12 19 Includes copyrighted material,of Insurance Services Office„ inc., Page 26 of 44 with its permission. Packet Pg. 2735 M.7.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 322024142 PRORRUT lMUMN(A COMPAISON COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.21 BUILDING OR SPECIAL CLASS ITEM NO.2 CSP Code:0940 BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing DESCRIPTION OF PREMISES 21: 10100 OVERSEAS HWY AIRCRAFT HANGER Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 10100 OVERSEAS HWY NIA Masonry N/A Ungraded MARATHON,FL 33050-3340 Group I Territory Group 11 Territory Coastal Territory No.of Units WA NIA Monroe 85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of insurance cc) Is Shown. Total Covered Replacement o Limit Of Causes CostIBPP Actual Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss Building(Bldg) $372,000 Wind $372000 80% Class $6,166,00 No Business Personal.Property $26,426 Wind $26.426 80% Class $419,00 No (BPP) 0 Your,coverage lin uts have been adjusted for inflation. OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below 76 Coverage Premium Replacement Cost Building Business Personal Property Yes No N DEDUCTIBLE N Hurricane,Other Windstorm CD or Hail Percentage Deductible Deductible Percentage(Deductible Amount) N Bldg: 5%($18,600) BPP: 5%($1,321) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR E C 2003 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Mortgageholder(s)S Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$6,585.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 27 of 44 with its permission. Packet Pg. 2736 M.7.a r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 I-KOM IY INW WI A COHFOMlcfl!'I COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name:MONROE COUNTY, FLORIDA LOCATION NO.22 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code:0702 BUSINESS DESCRIPTION:Offices-Non-Govemmental DESCRIPTION OF PREMISES 22:88220 OVERSEAS HWY TWO STORY 4 UNIT WR COUNTY OFFICE Location Address Group I Construction Group It Construction Protection Class BCEGS Grade 88220 OVERSEAS HWY NIA Wind Resistive NIA Ungraded PLANTATION KEY.FL 33070 Group I Territory Group It Territory Coastal Territory No.of Units NIA NIA Monroe-85 4 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Total Covered Replacement o Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss Building(Bldg) $955,000 Wind $3.050.000 NIA Class $15.071.00 Yes r W3 Business Personal Property $45,000 Wind $45,000 80% Class $302.00 No q r (BPP) D OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost o Building Business Personal Property z"3 Yes No 5 DEDUCTIBLE Hurricane,Other Windstorm or Hail Percentage Deductible CD N Deductible Percentage(Deductible Amount) CD N Bldg: 5%($152,500) BPP: 5%($2,250) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1977 NIA NIA Connection NIA m NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None E Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM. $15,373.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 28 of 44 with its permission. Packet Pg. 2737 M.7.a (r�- rtITIZENS CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 JACKSONVILLE FL 322t)2-5142 PROPkR1Y INSURANCE LUHM 110N COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.23 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1051 BUSINESS DESCRIPTION: Libraries DESCRIPTION OF PREMISES 23: 101485 OVERSEAS HWY ONE STORY SWR LIBRARY Location Address Group I Construction Group II Construction Protection Class SCEGS Grade 101485 OVERSEAS HWY N/A Semi Wind Resistive NIA Ungraded .� KEY LARGO,FL 33037-4553 Group I Territory Group II Territory Coastal Territory No.of Units NIA NIA Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Total Covered Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss Building(Bldg) $500,000 Wind $2.061.000 NIA Class $14,502.00 Yes Business Personal Property $500,000 Wind $805.340 NIA Class $6,080.00 Yes (BPP) 0 OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost 76 Building Business Personal Property Yes No DEDUCTIBLE N Hurricane,Other Windstorm or Hail Percentage Deductible CD cv Deductible Percentage(Deductible Amount) CD N Bldg: 5%($103,050) BPP: 5%($40,267) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1989 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $20,582.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 29 of 44 with Its permission. Packet Pg. 2738 M.7.a �� CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 ;FHIgry WY IN'WRAMA COKI KAIwN COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.24 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code:0702 BUSINESS DESCRIPTION: Offices-Non-Govemmentali DESCRIPTION OF PREMISES 24: 1100 SIMONTON ST TWO STORY 8 UNIT WR OFFICE BLDG Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 1100 SiMONTON ST N!A Wind Resistive MA Ungraded Group I Territory Group 11 Territory Coastal Territory No.of Units KEY WCST,FL 33040-3110 NSA N/A Monroe=86 8 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED is Shown. Covered Total Limit Of Causes Replacement Coverage Insurance Of Loss Cost Coinsurance Rates Premium First Loss Building(Bldg) $1.000,000 Wind $6,313,000 NIA Class $21,98&00 Yes _ v OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below g v Coverage Premium Replacement Cost Building Business Personal Property Yes r DEDUCTIBLE Hurricane,Other Windstorm or Hall Percentage Deductible Deductible Percentage(Deductible Amount) r N Bldg:5%($315,650) CD cv CD WINDSTORM MITIGATION FEATURES y Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1916 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA m None Mortgageholder(s)$Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $21,988.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 30 of 44 with its permission. Packet Pg. 2739 M.7.a 0 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 C ITI7C C JACKSONVILLE FL 32202-5142 PROPMY INWHAN11 WHIVRA-]ON COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015846-7 Effective Date: 05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.25 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0567 BUSINESS DESCRIPTION:Airports-Passenger terminals DESCRIPTION OF PREMISES 25:3491 ROOSEVELT BLVD S ONE STORY 3 UNIT SWR BUS TERMINAL/ AIRPORT TERMINAL BLVD Group 1 Construction Group II Construction Protection Class BCEGS Grade Location Address 3491 S ROOSEVELT BLVD NIA Semi Wind Resistive NIA 06 KEY WEST,FL 33040-5295 Group I Territory Group II Territory Coastal Territory No.of Units W NIA NIA Monroe-86 3 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. covered Total Limit Of Causes Replacement Coverage Insurance Of Loss Cost Coinsurance Rates Premium First Loss Building(Bldg) $1,000,000 Wind $1.506.000 NIA Class $10,236.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below 2 0 Coverage Premium Replacement Cost > Building Business Personal Property 76 Yes DEDUCTIBLE � Hurricane,Other Windstorm or Hail Percentage Deductible CD Deductible Percentage(Deductible Amount) CD Bldg: 5%($75,300) CD N WINDSTORM MITIGATION FEATURES N Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1998 N/A NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A NIA Protective Devices NIA N/A None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $10,236.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 31 of 44 with its permission. Packet Pg. 2740 M.7.a �r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 PROKRIY INWRANU CORPORAMM COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date: 05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY,FLORIDA LOCATION NO.25 BUILDING OR SPECIAL CLASS ITEM NO.2 CSP Code: 0567 BUSINESS DESCRIPTION:Bus Stations or Terminals DESCRIPTION OF PREMISES 25:3491 ROOSEVELT BLVD S TWO STORY WIND RESISTIVE BUS TERMINAL Location Address Group I Construction Group tl Construction Protection Class BCEGS Grade 3491 S ROOSEVELT BLVD NIA Wind Resistive NIA Ungraded .- KEY WEST,FL 33040 5295 Group I Territory Group II Territory Coastal Territory No.of Units NIA NIA Monroe-86 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Limit Of Causes Replacement o Coverage Insurance Of Loss Cost Coinsurance Rates Premium First Loss v Building(Bldg) $1,000,000 Wind $6.182.000 NIA Class $21,988.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made in The Schedule Below Coverage Premium Replacement Cost 2 o Building Business Personal Property Yes n DEDUCTIBLE O � Y Hurricane,Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) tV CD Bldg: 5%($309,100) C�l N N WINDSTORM MITIGATION FEATURES cn Terrain Year Built Roof Cover Roof Deck Roof-Walt SWR N C 1957 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA E None Mortgageholder(s)$Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$21,988.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 32 D144 with its permission, — Packet Pg. 2741 M.7.a (Fr- rtITIZENS CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 JACKSONVILLE FL 32202-5142 PNUPI BOY IN]UBANCI CUBIYIBA110N COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.26 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code:0932 BUSINESS DESCRIPTION:Automobile Repair or Service Shops-Auto glass replacement, battery replacement,brake adjustment, tire changing,tune ups(points, plugs and carburetor adjustment)oil changing, lubrications,speedometer adjustments and similar services. DESCRIPTION OF PREMISES 26:3583 S ROOSEVELT BLVD ONE STORY MASONRY COUNTY GARAGE BLVD Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 3583 S ROOSEVELT BLVD N/A Masonry NIA Ungraded GO KEY WEST.FL 33040-5209 Group I Territory Group 11 Territory Coastal Territory No.of Units NIA N/A Monroe-86 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Total Covered Replacement _ Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss Building(Bldg) $359,000 Wind $359,000 80% Class $5,339.00 No 2 0 Business Personal Property $237.000 Wind $237.000 80% Class $3,231.00 No > (BPP) ®_ Your coverage limits have been adjusted for inflation.. m OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes No DEDUCTIBLE Hurricane,Other Windstorm or bail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($17,950) C> BPP: 5%($11,850) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1984 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Mortgageholder(s)SO Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$8,570.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 33 of 44 with its permission:. Packet Pg. 2742 M.7.a f � CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 rxunMr imuneuQ cuxruw UM COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.27 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code:0702 BUSINESS DESCRIPTION:Offices-Non-Governmental DESCRIPTION OF PREMISES 27: 1016 GEORGIA ST TWO STORY 5 UNIT WR OFFICE BUILDING Location Address Group I Construction Group 11 Construction Protection Class BCEGS Grade 1016 GEORGIA ST NIA Wind Resistive NIA Ungraded Group I Territory Group 11 Territory Coastal Territory No.of Units KEY WEST,FL 33040-7219 NIA N/A Monroe 86 5 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Total Covered Replacement Limit Of Causes Cost1BPP Actual n Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss v Building(Bldg) $692.000 Wind $4,831,000 NIA Class $16,862.00 Yes W Business Personal Property $308.000 Wind $1,021,000 NIA Class $3,921.00 Yes W v (BPP) 2 0 OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost LID Building Business Personal Property 4 Yes No g DEDUCTIBLE Hurricane,Other Windstorm N or Hail Percentage Deductible Deductible Percentage(Deductible Amount) CD N N Bldg: 5%($241,550) to BPP: 5%($51,050) WINDSTORM MITIGATION FEATURES CJ Terrain Year Built Roof Cover Roof Deck Roof-Walt SWR C 1914 NIA NIA Connection N/A W NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A NIA Protective Devices NIA NIA None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $20,783.00 — CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc„ Page 34 of 44 with its permission_ Packet Pg. 2743 M.7.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.28 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION:Offices-Non-Governmental DESCRIPTION OF PREMISES 28:500 WHITEHEAD ST TWO STORY 13 UNIT MASONRY COURT HOUSE ANNEX Location Address Group I Construction Group II Construction Protection Class BCEGS Grade .� NIA Masonry NIA Ungraded 500 WHITEHEAD ST KEY WEST, 33040�581 Group I Territory Group II Territory Coastal Territory No.of Units NIA NIA Monroe-86 13 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Total o 0 Covered Replacement Limit Of Causes COSUBPP Actual Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium Frost Loss Building(Bldg) $500,000 Wind $6,432.000 NIA Class $45,263.00 Yes Business Personal Properly $500,000 Wind $950.000 NIA Class $9,733.00 Yes 0 (BPP) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below 76 Coverage Premium Replacement Cost Building Business Personal Property Yes No r N DEDUCTIBLE CD N Hurricane,Other Windstorm CD or Hail Percentage Deductible CD Deductible Percentage(Deductible Amount) ?n Bldg: 5%($321,600) BPP: 5%($47,500) WINDSTORM MITIGATION FEATURES Terrain Year Built Root Cover Roof Deck Roof-Wall SWR C 1980 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$54,996.00 CDEC1 12 19 t Includes copyrighted material of Insurance Services Office, Inc., Page 35 of 44 with its permission. Packet Pg. 2744 M.7.a �r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 PRUPFR IV ftIIRANC'k CURI'UIIAIION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.29 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code:0702 BUSINESS DESCRIPTION: Offices-Non-Governmental DESCRIPTION OF PREMISES 29:510 WHITEHEAD ST FOUR STORY MAS JAIL AND COURTHOUSE ANNEX Location Address Group I Construction Group II Construction Protection Class BCEGS Grade .o 510 WHITEHEAD ST NIA Masonry NIA Ungraded Group I Territory Group II Territory Coastal Territory No.of Units KEY WEST,FL 33040-6547 NIA NIA Monroe-86 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Total Covered Replacement Limit Of Causes CosVBPP Actual Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss W 3 Building(Bldg) $800,000 Wind $8,946,000 NIA Class $72,417.00 Yes r Business Personal Property $200,000 Wind $375,000 NIA Class $3,767.00 Yes (BPP) > r OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes No r DEDUCTIBLE N Hurricane,Other Windstorm or Hail Percentage Deductible CD N Deductible Percentage(Deductible Amount) N Bldg: 5%($447,300) BPP:5%($18,750) CJ WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$76,184.00 CDEC1 1219 Includes copyrighted material of Insurance Services Office, Inc., Page 36 of 44 with its permission. Packet Pg. 2745 M.7.a QrrtITIZENS CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 JACKSONVILLE FL 32242-5142 COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name:MONROE COUNTY, FLORIDA LOCATION NO.30 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION:Offices-Non-Governmental DESCRIPTION OF PREMISES 30:530 WHITEHEAD ST THREE STORY 4 UNIT WIND RESISTIVEJUSTICE BLDG Location Address Group I Construction Group 11 Construction Protection Class BCEGS Grade 530 WHITEHEAD ST NIA Wind Resistive NIA Ungraded Group 1 Territory Group 11 Territory Coastal Territory No.of Units KEY WEST,FL 33040-6547 NIA N/A Monroe-86 4 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Total Covered Replacement rn Limit Of Causes CostIBPP Actual _ Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss W Building(Bldg) $800,000 Wind $5,796,000 NIA Class $19.493.00 Yes Business Personal Property $200.000 Wind $895.371 NIA Class $3,199.00 Yes 0 .o (BPP) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property W Yes No r DEDUCTIBLE CD N N Hurricane,Other Windstorm or Hail Percentage Deductible N N Deductible Percentage(Deductible Amount) rn Bldg: 5%($289,800) N BPP: 5%($44,769) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 NIA NIA Connection N/A NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A NIA Protective Devices NIA NIA None Mortgageholder(s)&Other Policyholder Interest(s)--See Policy Interest Schedule. PREMIUM:$22,692.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 37 of 44 with its permission. Packet Pg. 2746 M.7.a �r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 PNUPMV MSUNANQ CUNPUNfUIUN COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.31 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0567 BUSINESS DESCRIPTION:Museums-Commercial DESCRIPTION OF PREMISES 31:938 WHITEHEAD ST ONE STORY FRAME MUSEUM Location Address Group I Construction Group 11 Construction Protection Class BCEGS Grade 938 WHITEHEAU ST NIA Frame NIA Ungraded Group I Territory Group 11 Territory Coastal Territory No.of Units KEY WEST,FL 33040-7423 NIA NIA Monroe-86 1 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shawn. Total Covered Replacement Limit Of Causes Cost/BPP Actual n W Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss N _ v Building(Bldg) $429.000 Wind $429,000 80% Class $7,982A0 No W g Business Personal Property $45,300 Wind $46,300 80% Class $773 00 No (BPP) Your coverage limits have been adjusted for inflation > OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost N Building Business Personal Property g Yes No r DEDUCTIBLE CD Hurricane,Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) CV Bldg: 5%($21,450) BPP: 5%($2,265) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1928 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA N/A Protective Devices NIA NIA —_ None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $8,755.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc,, Page 38 of 44 go— Packet with its permission. — Pg. 2747 ..� M.7.a �� CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 MP*KIY INS1 MKI CO8POIIAIION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number:00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.32 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1051 BUSINESS DESCRIPTION: Libraries DESCRIPTION OF PREMISES 32:700 FLEMING ST ONE STORY MASONRY LIBRARY Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 700 FLEMING ST NIA Masonry NIA ungraded KEY WEST,FL 33040 6828 Group 1 Territory Group II Territory Coastal Territory No.of Units NIA WA Monroe-86 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance cc) Is Shown. Total Covered Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss Building(Bldg) $400,000 Wind $2,343,000 NIA Class $19,539.00 Yes Business Personal Property $600,000 Wind $1.900,000 NIA Class $17,642.00 Yes (BPP) 0 OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes No DEDUCTIBLE CD Hurricane,Other Windstorm CD or Hail Percentage Deductible ty CD Deductible Percentage(Deductible Amount) Bldg: 5%($117,150) BPP: 5%u($95,000) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1959 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$37,181.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 39 of 44 with its permission. Packet Pg. 2748 i M.7.a !�r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 YROARIY AWRMCE COWORAHON COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.33 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1070 BUSINESS DESCRIPTION: Firehouses DESCRIPTION OF PREMISES 33:20950 OVERSEAS HWY ONE STORY MASONRY SHERIFF SUBSTATION/ FIRE STATION LOC: Location Address Group I Construction Group 11 Construction Protection Class BCEGS Grade NIA Masonry NIA Ungraded OVERSEAS HWY CUDJ Group 1 Territory Group II Territory Coastal Territory No.of Units CUDJOE KEY,FL 33042�1000 NIA NIA Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance is Shown. E Covered Total o 0 Limit Of Causes Replacement n Coverage Insurance Of Loss Cost Coinsurance Rates Premium First Loss E �, Building(Bldg) $317,000 Wind $317.000 80% Class $5,255.00 No �-- Your coverage limits have been adjusted for Inflation. t OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below > Coverage Premium Replacement Cost Building Business Personal Property n Yes v DEDUCTIBLE Hurricane,Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) CD tV CD Bldg: 5%($15,850) rn WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1989 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA N/A None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $5,255.00 3 I� zl CDEC1 12 19 Includes copyrighted material of Insurance Services Office,Inc.„ Page 40 of 44 with its permission. Packet Pg. 2749 M.7.a 06-1ITIZENS CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 JACKSONVILLE FL 32202-5142 PROPERTY INSUMM COM M110N COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.34 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code:0701 BUSINESS DESCRIPTION:Governmental Subdivisions-Town halls,offices, morgues,post offices,court houses DESCRIPTION OF PREMISES 34:Sheriffs dispatch office Sheriffs dispatch office Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 2796 OVERSEAS HWY NIA Masonry NIA Ungraded .� Group I Territory Group 11 Territory Coastal Territory No.of Units MARATHON,FL 33050 2200 NIA NIA Monroe-85 5 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Limit Of Causes BPP Actual Coverage Insurance Of Loss Cash Value Coinsurance Rates Premium First Loss y Business Personal Property $1,000,000 Wind $2,200.000 NIA Class $25,152.00 Yes (BPP) W OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost 0 Building Business Personal Property No 76 DEDUCTIBLE Hurricane,Other Windstorm or Hall Percentage Deductible Deductible Percentage(Deductible Amount) CD N CD CD BPP: 5%($110,000) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1991 NIA NIA Connection NIA NIA C Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design m NIA NIA Protective Devices NIA NIA None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$25,152.00 CDEC1 12 19 Includes copyrighted material of Insurance Services Office, Inc., Page 41 of 44 with its permission. Packet Pg. 2750 M.7.a rr- raITIZENS CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 JACKSONVILLE FL 32202-5142 i^r`x`.nAlY NSuAAHU COHMMUON COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015a45-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.35 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1070 BUSINESS DESCRIPTION: Firehouses DESCRIPTION OF PREMISES 36: 5565 MACDONALD AVE TWO STORY SWR Stock Island Fire Station Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 5565 MACDONALD AVE NIA Semi Wind Resistive NIA 03 STOCK ISLAND,FL 33040 Group I Territory Group 11 Territory Coastal Territory No.of Units NIA NIA Monroe-85 1 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Limit Of Causes Replacement Coverage Insurance Of Loss Cost Coinsurance Rates Premium First Loss 0 Building(Bldg) $1,000,000 Wind $1,5854000 NIA Class $11,615.00 Yes N OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below g v Coverage Premium Replacement Cost Building Business Personal Property > Yes DEDUCTIBLE m to N Hurricane,Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) r N CD Bldg: 5%($79,250) CD CD WINDSTORM MITIGATION FEATURES y Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2014 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A NIA Protective Devices NIA NIA None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $11,615.00 CDEC1 1219 Includes copyrighted material)of Insurance Services Office, Inc., Page 42 of 44 with its permission.. ME PacketPg. 2751 M.7.a !�r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 WSMMY 345UK tNCt lURw ItAh"N COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-7 Effective Date:05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.36 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0933 BUSINESS DESCRIPTION:Airports-Hangars with repairing or servicing DESCRIPTION OF PREMISES 36:9480 OVERSEAS HWY One Story Aircraft Hangar Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 9480 OVERSEAS HWY NIA Masonry WA Ungraded MARATHON,FL 33060-3396 Group I Territory Group Ii Territory Coastal Territory No.of Units NIA NIA Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Limit Of Causes Replacement Coverage Insurance Of Loss Cost Coinsurance Rates Premium First Loss a Building(Bldg) $1,000,000 Wind $1,274,000 NIA Class $16,858.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost 2 0 Building Business Personal Property Yes DEDUCTIBLE Hurricane,Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) tV Bldg: 5%($63,700) N CD WINDSTORM MITIGATION FEATURES ?� Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR N C 1990 NIA NIA Connection NIA NIA Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design NIA NIA Protective Devices NIA NIA None Mortgageholder(s)8t Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM:$16,858.00 CDEC1 12 19 includes copyrighted material of Insurance Services Office, Inc., Page 43 of 44 with its permission. Packet Pg. 2752 M.7.a kf1--'-r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY STREET, SUITE 1300 CITIZENS JACKSONVILLE FL 32202-5142 PNOMM INSURANCE CORPOkAI WN COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-7 Effective Date: 05/29/2020 to 05/29/2021 Insured Name: MONROE COUNTY, FLORIDA FLOOD COVERAGE IS NOT PROVIDED BY THIS POLICY. WINDSTORM OR HAIL DEDUCTIBLES ARE CALCULATED ON TOTAL REPLACEMENT COST OR ACTUAL CASH VALUE, NOT THE LIMIT OF INSURANCE. E THIS POLICY CONTAINS A CO-PAY PROVISION THAT MAY RESULT IN HIGH OUT-OF-POCKET EXPENSES TO YOU. � 3 Coinsurance contract: The rate charged in this policy is based upon the use of the coinsurance clause attached to this policy, with the consent of the insured. g � 2 INFORMATION ABOUT YOUR POLICY MAY BE MADE AVAILABLE TO INSURANCE COMPANIES AND/OR AGENTS TO ASSIST � 5 THEM IN FINDING OTHER AVAILABLE INSURANCE MARKETS. ClCD TO REPORT A LOSS OR CLAIM CALL 866.411.2742 CD' cv CD PLEASE CONTACT YOUR AGENT IF THERE ARE ANY QUESTIONS PERTAINING TO YOUR POLICY.IF YOU ARE UNABLE TO CONTACT YOUR AGENT,YOU MAY REACH CITIZENS AT 866.411.2742. N M Page 44 o CDEC1 1219 Includes copyrighted material of Insurance Services Office, Inc., f 44 with its permission. Packet Pg. 2753 M.7.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PRUI'k8171NfUMNU IUBWINAHOK COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-7 POLICY PERIOD FROM 05/29/2020 TO 05/29/2021 at 12:01 a.m.Eastern Time Named Insured MONROE COUNTY, FLORIDA An entry below of"All" Indicates the form applies to all items scheduled in the policy Location No. Building No. Form No. Edition Date Description ALL ALL CIT W02 55 02 19 FLORIDA CHANGES-CANCELLATION AND CD NONRENEWAL ALL ALL CIT W10 10 0219 CAUSES OF LOSS-WINDSTORM OR HAIL FORM ALL ALL CP 00 90 0788 COMMERCIAL PROPERTY CONDITIONS ALL ALL IL 00 17 1198 COMMON POLICY CONDITIONS _ ALL ALL IL P 001 0104 U.S.TREASURY DEPARTMENT'S OFFICE OF FOREIGN ASSETS CONTROL("OFAC") ADVISORY NOTICE TO POLICYHOLDERS 2 0 ALL ALL IL 09 35 0702 EXCLUSION OF CERTAIN COMPUTER- > RELATED LOSSES ALL ALL CIT W14 20 0214 CITIZENS CHANGES-PROPERTY NOT COVERED ALL ALL CIT 03 21 0114 WINDSTORM OR HAIL PERCENTAGE DEDUCTIBLE ALL ALL CP 0140 0706 EXCLUSION OF LOSS DUE TO VIRUS OR CD BACTERIA ry CD ALL ALL CIT 01 75 0220 FLORIDA CHANGES-LEGAL ACTION AGAINST US 1 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 1 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 1 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES 2 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 2 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 2 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES 2 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS 3 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 3 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY Issued Date: 03/30/2020 First Named Insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 7 with its permission. Packet Pg. 2754 M.7.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32242 riV+.lmT jKANCI fUBPORAWN COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-7 POLICY PERIOD FROM 05/29/2020 TO 05/2912021 at 12,01 a.m.Eastern Time Named Insured MONROE COUNTY, FLORIDA Location No. Building No. Form No. Edition Date Description 3 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES 4 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 4 ALL. CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 0 4 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES v, N M 5 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY v COVERAGE FORM W 8 5 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 5 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES 5 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS N 6 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 6 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND N PERSONAL PROPERTY cv 6 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES cv 7 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM cn 7 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS- BUILDING AND PERSONAL PROPERTY 7 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES 7 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS 8 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 8 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS- BUILDING AND PERSONAL PROPERTY 8 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES 8 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS 9 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 9 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND — PERSONAL PROPERTY 9 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES Issued Date.03/30/2020 First Named Insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 2 of 7 with its permission. Packet Pg. 2755 M.7.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 wR(MI",.INWEM t kUNKINA110h COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015945-7 POLICY PERIOD FROM 05/29/2020 TO 06129/2021 at 12:01 a.m.Easlem Time Named Insured MONROE COUNTY, FLORIDA Location No, Building No, Form No. Edition Date Description 10 A .L CP 00 10 06 01 BUILDING AND PERSONAL. PROPER I Y COVERAGE FORM 10 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 10 ALL CIT CNRW 0125 0220 FLORIDA CHANGES 10 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS 11 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 11 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND . PERSONAL PROPERTY 11 ALL CIT CNRW 0125 0220 FLORIDA CHANGES 11 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS 12 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 12 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND N PERSONAL PROPERTY 12 ALL CIT CNRW 0125 0220 FLORIDA CHANGES cv 13 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 13 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND _ PERSONAL PROPERTY 13 ALL CIT CNRW 0125 0220 FLORIDA CHANGES 13 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS 14 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 14 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 14 ALL CIT CNRW 0125 0220 FLORIDA CHANGES 14 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS 15 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 15 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 15 ALL CIT CNRW 0125 0220 FLORIDA CHANGES Issued Date:03/30/2020 First Named insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 7 with its permission. Packet Pg. 2756 M.7.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JAGKSONVILLE FL 32202 MOKFIR INSNHANCL l'OMMINMI COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-7 POLICY PERIOD FROM 05129/2020 TO 05/2912021 at 12:01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA Location No. Building No. Form No. Edition Date Description _ 15 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS 16 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 16 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 16 ALL CIT CNRW 0125 0220 FLORIDA CHANGES o _ n 16 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS W 17 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 17 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS, BUILDING AND PERSONAL PROPERTY n 17 ALL CIT CNRW 0126 0220 FLORIDA CHANGES 18 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 18 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND CD PERSONAL PROPERTY cv CD 18 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES CD 18 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS N 19 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 19 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 19 ALL CIT CNRW 0125 0220 FLORIDA CHANGES E 19 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS 20 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 20 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND =_ PERSONAL PROPERTY 20 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES =_ 20 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS 21 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM — 21 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY Issued Date:03130/2020 First Named Insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 4 of 7 with its permission. — Packet Pg. 2757 M.7.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PRunWir MN uRM(''t VUMmtA,NM COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-7 POLICY PERIOD FROM 05/29/2020 TO 05/29/2021 at 12:01 a.m.Eastern Time Named Insured MONROE COUNTY, FLORIDA Location No. Building No. Form No. Edition Date Description _ 21 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES 21 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS 22 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 22 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND o PERSONAL PROPERTY 22 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES 22 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS 23 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 23 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 23 ALL CIT CNRW 0125 0220 FLORIDA CHANGES 23 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS 24 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 24 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS m BUILDING AND N PERSONAL PROPERTY y 24 ALL CIT CNRW 0125 0220 FLORIDA CHANGES N 24 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS 25 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 25 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 25 ALL CIT CNRW 0125 0220 FLORIDA CHANGES 25 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS 25 2 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS 26 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 26 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 26 ALL CIT CNRW 0125 0220 FLORIDA CHANGES 27 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM Issued Date:03/30/2020 First Named Insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 5 of 7 with its permission. Packet Pg. 2758 i M.7.a !�r CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PM)h RIY IN1.0mNa C'NHMWION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 000151145-7 POLICY PERIOD FROM 05129/2020 TO 05129/2021 at 12.01 a.m.Eastern Time Named Insured MONROE COUNTY, FLORIDA Location No. Building No. Form No. Edition Date Description 27 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONALPROPERTY 27 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES 27 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS 28 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 28 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONALPROPERTY g v 28 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES w 28 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS Q 29 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY M COVERAGE FORM N 29 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONALPROPERTY 29 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES CD 29 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS cv CD 30 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY CD COVERAGE FORM 30 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONALPROPERTY 30 ALL CIT CNRW 0125 0220 FLORIDA CHANGES t3 30 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS 31 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY E COVERAGE FORM 31 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONALPROPERTY NO 31 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES 32 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY _ COVERAGE FORM 32 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND -_ PERSONALPROPERTY 32 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES 32 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS Issued Date:03/30/2020 First Named Insured Copy moo CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 6 of 7 with its permission. Packet Pg. 2759 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 VR(WLHIY INWMNCk CUHW]HA11U'''h COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-7 POLICY PERIOD FROM 05/2912020 TO 05129/2021 at 12:01 a.m.Eastern Time Named Insured MONROE COUNTY, FLORIDA Location No. Building No. Form No. Edition Date Description 33 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 33 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 33 ALL CIT CNRW 0125 0220 FLORIDA CHANGES o 34 ALL CI'00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 34 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 34 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES 34 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS 35 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 35 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY CD 35 ALL CIT CNRW 0125 0220 FLORIDA CHANGES CD 35 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS CD N cv 36 ALL CP 00 10 0607 BUILDING AND PERSONAL PROPERTY cn COVERAGE FORM 36 ALL CIT CNRW 00 03 0220 TABLE OF CONTENTS-BUILDING AND _ PERSONAL PROPERTY 36 ALL CIT CNRW 01 25 0220 FLORIDA CHANGES 36 1 CIT 04 14 0114 COVERAGE WRITTEN ON A FIRST LOSS BASIS Issued Date:03/30/2020 First Named Insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 7 of 7 with its permission. Packet Pg. 2760 M.7.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PRUPLOUT INSUMMU COWNWIIUN COMMERCIAL PROPERTY POLICY POLICY INTEREST SCHEDULE POLICY NUMBER 00015845-7 POLICY PERIOD FROM 05/2912020 TO 05/2912021 at 12.01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA Location No. Building No. Interest Type Name and Mailing Address _ No Additional Interests. E n n ® y w c8 n n � Y P' N N N CD U M 7 Issued Date: 03/30/2020 First Named Insured Copy CDEC-PI-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 1 lam with its permission. m Packet Pg. 2761 M.7.a Table of Contents — Building and Personal Property COMMERCIAL PROPERTY COVERAGE PART Florida Changes................CIT CNRW 0125 02 20 (Or if a Mobile Home then: Florida Commercial Building and Personal Property......CP 00 10 06 07 Mobile Home.....................CIT MH 05 0102 20) A.Coverage............:.:.............. ............. ................. I Policy Changes.......................:................................ Covered Property....................:...:........,...,.,...,...,. I Additional Coverage Changes................................ Property Not Covered 2 Coverage Extension Changes........................... Covered Causes Of"Loss......................................2 Limits Of insurance Changes.................................3 Additional Coverages..... ..::...:.....:.....................2 Deductible Changes......,......:..................................3 Coverage Extensions . , Loss Condition s..w. ................................... B. Exclusions And Limitations................ .:. .........7 Additional Condition Changes......................... C. Limits Of Insurance.............................:.............7 Optional Coverages Changes.................................7 D. Deductible--...—.......—........................... .......7 CIT MH 05 01 02 20.......8 _ E. Loss Conditions......... .....................................8 Definition Changes ....... ...................................8 Abandonment...., ..— ......,.....,................8 Common Policy Condition Changes......................8 Appraisal.............. .........8 Commercial Property Condition Changes............8 Duties In The Event Of Loss Or Damage...,.,...8 CIT MH 05 0102 20.......9 Loss Payment.....:........m:.:.,...........:,.....:.:. ,,: .....8 Other Changes.................,........................9 E Recovered Property.--.— .......9 Common Policy Conditions..............IL 0017 11 98 P Y................. .........:........ Y n Vacancy............................................................9 A.Cancellation ........................... ......I ..................... Valuation.........................................----....... 10 B.Changes,..,.........................................................I F. Additional Conditions............—.—..... .. 10 C. Examination Of Your Books And Records.......l Coinsurance .... 10 D. Inspections And Surveys...................................I Mortgageholders...:.:.:....:...........:.:............v,,.,... I I E. Premiums..................,...,,....,...............................1 G. Optional Coverages....,.................................... I I F.Transfer Of Your Rights And Duties Agreed Value—................................................ 12 Under This Policy ........................................ Inflation Guard................................................. 12 Florida Changes—Legal Action Replacement Cost.....................................e....... 12 Against Us............... CIT 0175 02 20 Extension Of Replacement Cost To Exclusion Of Certain Computer— Personal Properly Of Others..........................13 Related Losses......................:.,.,....IL 09 35 07 02 N I-I. Definitions....................................................... 13 Exclusion Of Loss Due To Virus CD Cy Or Bacteria IL 0140 07 06 CD N Causes of Loss Windstorm Or Florida Changes—Cancellation and CD Nonrenewal.............................CIT W02 55 02 19 N Hail Form...........................CIT W10 lU 02 19 ?n A.Covered Causes Of Loss................................... I Citizens Changes-Property B. Exclusions.......................................................m.I Not Covered...........................CIT W 14 20 02 14 C. Additional Coverage .4 Windstorm Or Hail Percentage D. Definitions,,,,,,,,,,,, ,F.....,. Deductible.....................;..,..CIT 03 21 Uf 14 ;; 4 U.S.Treasury Department's Office Of Foreign m MANDATORY ENDORSEMENTS Assets Control("OFAC")Advisory Notice To Policyholders............IL P 001 01 04 Commercial Property Conditions...CP 00 90 07 88 A.Concealment,Misrepresentation Or Fraud....:.. I OTHER ENDORSEMENTS(May Be Attached) B.Control Of Property..........................................I C. Insurance Under Two Or More Coverages........I Windstorm Or Hail Protective D. Legal Action Against Us...................................i Devices,,,.,e,.,,,.:......I....I....I............:..:.CP 12 09 09 95 E. Liberalization......................... ...... I Loss Payable Provisions...............:,.,.CP 12 18 06 07 F. No Benefit To Bailee ......w...................:....... .......1 Additional Insured- G. Other Insurance......:.......... ....1 Building Owner...................,...,....CP 12 19 06 07 H. Policy Period,Coverage Territory....................I Leased Property................................CP 14 60 07 88 I. Transfer Of Rights Of Recovery Against Coverages Written On A First Others To Us 2 Loss Basis...............................CIT 04 14 Ul 14 CIT CNRW 00 03 02 20 Page 1 of 1 Packet Pg. 2762 M.7.a CIT 0175 02 20 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FLORIDA CHANGES - LEGAL ACTION AGAINST US This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY)COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART The following replaces COMMERCIAL PROPERTY (2) The notice must specify the damages in CONDITION D. Legal Action Against Us in Form dispute, the amount claimed, and a CP 00 90: presuit settlement demand. E D. LEGAL ACTION AGAINST US (3) Concurrent with any written notice of y 1. No action can be brought against us; unless: in#ent to initiate litigation, and as a c precondition to filing suit, an "assignee" a. Notice of the loss has been given to us; must provide us a detailed written g b. There has been full compliance with all of invoice or estimate of services, including the terms of this policy applicable to an itemized information on equipment, ' insured; materials, and supplies; the number of c. If there is failure to agree on a settlement labor hours; and, in the case of work performed, proof that the work has been n regarding the loss, prior to filing suit,: we must be notified In writing of your performed in accordance with accepted industry standards. disagreement; and d. The action is started within 5 years after the b. As a condition precedent to filing a suit date of the loss. under the policy, and if required by us, an "assignee" must submit to examinations ' Condition 1. above is not applicable to an under oath and recorded statements `V "assignee". conducted by us or our representative that `V 2. Suit by an"assignee". are reasonably necessary, at the location a. An "assignee" must provide us with a insured, or other reasonable location written notice of intent to initiate litigation designated by us or our representative, before filing suit under this policy. while not in the presence of another employee of the "assignee', or any other (1) Such notice must be served by certified "assignee", or any insured. E mail, return receipt requested, or (1) Provide government issued photo c electronic delivery, at least 10 business identification. If you do not possess ®_ days before Fling suit, but may not be government issued photo identification, _ served before we have made a a signed sworn statement identifying = coverage determination and pay or deny who you are may be provided; and your claim in accordance with paragraph (3) of the Loss Payment Condition (2) Sign any transcript of the examinations dealing with the number of days within under oath and recorded statements. ®_ which we must pay for covered loss or Such examinations and recorded damage in the FLORIDA CHANGES statements must either be in-person or form of your policy. utilize video and audio technology, or both, Instructions regarding electronic as determined by us; and submission and obtaining evidence of -_ delivery in a form of a receipt are available on our website = www.citizensfla.com. CIT 0175 02 20 Includes copyrighted material of Insurance Services Office, Inc., Pri with its permission Packet Pg. 2763 M.7.a Examinations under oath and recorded statements must be based upon the scope of the work and complexity of the claim, limited to matters related to the services provided, the cost of the services and the "assignment agreement". c. No action can be brought against us unless the action is started within 5 years after the date of the loss. In 2.a.(1) above, this is the FLORIDA CHANGES BUILDERS RISK form CIT SR 0125, if forms CIT CR 01 25, CIT CRW 01 25, CIT CNR 01 25, CIT CNRW 0125 or CIT MH 05 01 are not part of the policy. _ In 2.a.(1) above, this is the FLORIDA COMMERCIAL MOBILE HOME form CIT MH 05 01, if forms CIT CR 01 25, CIT CRW 01 25, CIT CNR 01 25, CIT CNRW 0125 or CIT BR 0125 are not part of the policy. E 0 c 0 76 cv cv cv cv i3 c Page 2 of 2 Includes copyrighted material of Insurance Services Office, Inc., CIT Packet Pg. 2764 with its permission M.7.a COMMERCIAL PROPERTY CIT CNRW 0125 02 20 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FLORIDA CHANGES This endorsement modifies insurance provided under the following: COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL PROPERTY CONDITIONS COMMON POLICY CONDITIONS A. Under A. Coverage, Covered Property 1. Building, (3) Subject to the exceptions in Paragraph paragraph a.(4) is deleted and replaced with: (4),the following provisions apply: _ (4) Personal property owned by you that is (a) The most we will pay for the total of used to maintain or service the building direct physical loss or damage plus or structure or its premises up to 1% of debris removal expense is the Limit of the amount applicable to that building Insurance applicable to the Covered and all while contained in the building or Property that has sustained loss or E while located on the described premises damage. y including the following (a) through (d) (b) Subject to (a) above, the amount we below, except as otherwise excluded. will pay for debris removal expense is (a) Fire extinguishing equipment; limited to 25% of the sum of the W 3 (b} Outdoor furniture; deductible plus the amount that we s pay for direct physical loss or damage 'S (c) Floor coverings; and to the Covered Property that has (d) Appliances used for refrigerating, sustained loss or damage. ventilating, cooking, dishwashing or (4) We will pay up to an additional$5,000 for °v laundering; debris removal expense, for each B. Covered Property, paragraph 1.c. is deleted in its location, in any one occurrence of entirety. physical loss or damage to Covered N CD (This is paragraph 1.b. in form CP 00 18) Property, if one or both of the following N circumstances apply: ' C. Additional Coverages 4.a., Debris Removal, is (a) The total of the actual debris removal deleted and replaced by the following: expense plus the amount we pay for 4. Additional Coverages direct physical loss or damage a. Debris Removal exceeds the Limit of Insurance on the (1) Subject to Paragraphs(3)and(4),we will Covered Property that has sustained is loss or damage. pay your expense to remove debris of Covered Property caused by or resulting (b) The actual debris removal expense m from a Covered Cause of Loss that exceeds 25% of the sum of the occurs during the policy period. deductible plus the amount that we The expenses will be paid only if they are pay for direct physical loss or damage reported to us in writing within 180 days to the Covered Property that has sustained loss or damage. of the date of direct physical loss or damage. Therefore, if (4)(a) and/or (4)(b) (2) Debris Removal does not apply to costs apply, our total payment for direct to: physical loss or damage and debris removal expense may reach but will (a) Extract "pollutants" from land or never exceed the Limit of Insurance water; or on the Covered Property that has (b) Remove, restore or replace polluted sustained loss or damage, plus land or water. $5,000. CIT CNRW 0125 02 20 Includes copyrighted material of Insurance Services Office, Inc., P with its permission I Packet Pg. 2765 M.7.a D. Additional Coverages 4.b. Preservation Of J. Coverage Extensions 5.d. Property Off-premises Property is deleted and replaced by the following: is deleted and replaced by the following. b. Property Removed d. Property Off-premises (1) We insure Covered Property against (1) When a Limit of Insurance is shown in the direct loss by a Covered Cause gf Loss Declarations for a specifically listed while being removed from a described building's business personal property, premises endangered by a Covered you may apply up to 2% of the Limit of Cause of Loss; and for not more than 5 Insurance applicable to that building's days while removed. business personal property, but not to This coverage does not change the Limit exceed $5,000, to cover that building's of Liability that applies to the property business personal property owned by being removed. you, other than merchandise or "stock" (raw, in-process, or finished), while (2) We insure Covered Property against temporarily removed from the described direct loss by a Covered Cause of Loss premises for purposes of cleaning, while being removed from the described repairing, reconstruction, or restoration. premises endangered by a Covered The coinsurance clause applicable to Cause of Loss and for not more than 180 each location under this policy must be consecutive days from the date of the complied with for this extension of loss occurrence, while removed. coverage to apply. This coverage does not change the Limit (2) This extension of coverage shall: Of Liability that applies to the property being removed. (a) Not apply to property in transit nor to (3) We do not cover prestorm evacuation property on any premises owned,leased,operated or controlled by you; expenses, other than described in 4.b.(1) above (b) Not apply to personal property owned 0 E. Additional Coverages 4.c. Fire Department by others; S Service Charge is deleted in its entirety. (c) Not apply except as excess over the F. In Forms CP 00 10 and CP 00 17, Additional amount due from any other insurance Coverages 4.e., Increased Cost of Construction, covering the property, whether collectible or not; and is deleted in its entirety. G. Coverage Extensions 5. (First two paragraphs) is (d) This extension will provide no benefit N deleted and replaced by the following: to a bailee. CD Except as otherwise provided, the following We will not recognize any assignment Extensions apply to property located in or on the or grant any coverage under this y building described in the Declarations or in the open extension that benefits a person or (or in a vehicle) within 100 feet of the described organization holding, storing or moving property for a fee or other premises. bailee, regardless of any other If a Coinsurance percentage of 80% or more, provision in this policy. Agreed Value, or a Value Reporting period symbol, (3) If you elect to apply this optional is shown in the Declarations, you may extend the extension of coverage, we will not be insurance provided by this Coverage Part as liable for a greater proportion of any loss follows: that would have been the case if all H. Coverage Extensions 5.a. Newly Acquired Or windstorm insurance policies covering Constructed Property is deleted in its entirety. the Covered Property had contained an I. Coverage Extensions 5.b. Personal Effects And identical optional extension of coverage Property Of Others is dealing with the amount we and the same election were made under will pay is replaced by the following: all such policies. The most we will pay for loss or damage of personal (4) This extension d.applies only to property property and personal effects located in or on a located in the State of Florida. building under this Extension is $2,500 at each described premises. Page 2 of 10 Includes copyrighted material of Insurance Services Office, Inc., CIT CNR with its permission Packet Pg. 2766 M.7.a K. Coverage Extensions 5.e. Outdoor Property is (2) We will pay the cost of conducting any deleted in its entirety. mediation conferences. L. Coverage Extensions 5.f. Non-owned Detached If you fail to appear at the conference,the Trailers is deleted in its entirety. conference must be rescheduled upon M. C. Limits Of Insurance is deleted and replaced by your payment of the costs of a the following: rescheduled conference. The most we will pay for loss or damage in any one (3) However, if we fail to appear at a occurrence is the applicable Limit of Insurance mediation conference requested by you shown in the Declarations. without good cause, we will pay: The amounts of insurance stated in the following (a) The actual cash expenses you Additional Coverages apply in accordance with the incurred while attending the terms of such coverages and are separate from the conference; and Limit(s) of Insurance shown in the Declarations for (b) Also pay the mediator's fee for the any other coverage: rescheduled conference. _ 1. Pollutant Clean-up And Removal; and b. Appraisal. 2. Electronic Data. Appraisal is an alternative dispute resolution N. D.Deductible is deleted in its entirety and replaced method to address and resolve di t regarding the amount of the with Windstorm Or Hail Percentage Deductible, sagreemenng form CIT 03 21. covered loss. O. The Loss Condition Appraisal is deleted and (1) If you or an "assignee" of the policy replaced by the following: benefits, and we fail to agree on the _ amount of loss,either party may demand 2. Alternative Dispute Resolution. an appraisal of the loss. If you, an `" S a. Mediation. "assignee" of the policy benefits or we 2 r If this policy covers a residential structure or demand appraisal, the demand for 0 its contents and if either you, or an appraisal must be in writing and shall "assignee"of the policy benefits, and we are include an estimate of the amount of any N in dispute regarding a claim under this policy dispute that results from the covered for that residential structure or contents, cause of loss. either you, an "assignee" of the policy (2) The estimate in b.(1) above shall include benefits or we may request a mediation of a description of each item of damaged the loss in accordance with the rules property in dispute as a result of the cv established by the Florida Department of covered loss, along with the extent of N Financial Services. damage and the estimated amount to We are not, however, required to participate repair or replace each item. v, in any mediation requested by an"assignee" (3) In this event, each party will choose a of the policy benefits. competent appraiser within 20 days after (1) If the dispute is mediated the settlement receiving a written demand from the in the course of the mediation is binding other. only if both parties agree, in writing, on a (4) The appraisers will separately set the settlement. amount of loss. If the appraisers submit a However,you may rescind the settlement written report of an agreement to us, the within 3 business days after reaching amount agreed upon will be the amount settlement, unless you have cashed or of loss. deposited any settlement check or draft (5) If they fail to agree, the two appraisers we disbursed to you for the disputed will choose a competent and impartial matters as a result of the mediation umpire. conference. CIT CNRW 0125 02 20 Includes copyrighted material of Insurance Services Office, Inc., Pa e 3 of 10 with its permission Packet Pg. 2767 M.7.a If they cannot agree upon an umpire P. Loss Condition E.3. Duties In The Event Of Loss within 15 days, you, an "assignee"of the Or Damage is deleted and replaced by the policy benefits or we may request that the following: choice be made by a judge of a court of (This is Loss Condition E.4. in form CP 00 18) record located in the county corresponding to the applicable 3. Duties In The Event Of Loss Or Damage LOCATION NO. and its DESCRIPTION An "assignment agreement" does not change OF PREMISES address shown in the the obligations to perform the duties required Declarations. under this policy. (6) The two appraisers will submit their a. Duties Of An Insured differences to the umpire. A decision In case of a loss to covered property, we agreed to by any two will set the amount of the ions. have no duty to provide coverage under this policy to you or any other insured seeking (7) The appraisal award will be in writing and coverage, if there is failure to comply with shall include the following: any of the following duties. These duties (a) A detailed list,including the amount to must be performed either by you, any other repair or replace,of each specific item insured seeking coverage, or a included in the award from the representative of either. °' appraisal findings; (1) Give us prompt notice of the loss or E (b) The agreed amount of each item, its damage. Include a description of the y replacement cost value and property involved. corresponding actual cash value; and E p 9 (2) As soon as possible, give us or any (c) A statement of "This award is made person authorized to act on our behalf a subject to the terms and conditions of description of how, when and where the the policy." loss or damage occurred. 0 (8) Each party will: (3) Take all reasonable steps to protect the S (a) Pay its own appraiser, including their Covered Property from further damage, costs associated with producing the and keep a record of your expenses estimate described in b.(1) above; necessary to protect the Covered and Property, for consideration in the settlement of the claim. (b) Bear the fees and expenses of the appraisal and umpire equally. This will not increase the Limit of CD Insurance. (9) You, we, the appraisers and the umpire CD shall be given reasonable and timely However, we will not pay for any y access to inspect the damaged property, subsequent loss or damage resulting in accordance with the terms of the from a cause of loss that is not a Covered policy. Cause of Loss. To the reasonably degree (10 If, however, we requested the mediation g y possible, in 2.a. above and either party rejects the damaged property must be retained for mediation results,you are not required to us or any person authorized to act on our submit to, or participate in, any appraisal behalf, to inspect. of the loss as a precondition to action (4) Keep an accurate record of expenses. against us for failure to pay the loss. (5) As soon as reasonably possible, notify (11) If, however, you or any party other than the police if a law may have been broken us requested the mediation in 2.a.above, and provide us a copy of the police we may still demand appraisal. report. (6) Send to us, within 60 days after our request, a signed, sworn statement in a Proof of Loss form provided by us and completed in its entirety,which sets forth, to the best of your knowledge and belief. Page 4 of 10 Includes copyrighted material of Insurance Services Office, Inc., CIT CNR Packet Pg. 2768 with its permission M.7.a (a) The description of the loss, including (9) Cooperate with us or any person the date and time of the loss, the authorized to act on our behalf, in the cause of the loss,a description of how investigation or settlement of the claim. the loss occurred, when the loss was This includes speaking and sharing discovered, and who discovered the information with us or any person loss; authorized to act on our behalf, and (b) The names of all persons who resided providing documents which can be at the insured location at the time of reasonably obtained by you, to facilitate loss; our investigation of the claim. (c) The interests of all insureds, A representative of an insured: "assignees" if any, and all others in (a) Must cooperate with our the property involved and all liens on investigation; the property; {d} Other insurance which may cover the (b) Must not act in any manner that loss; prevents us or any person acting on our behalf, from investigating the (e) Changes in title or occupancy of the claim; and a, property during the term of the policy; and (c) May not act in any manner to obstruct our investigation. (f) Specifications of the damage to the (10) As often as we reasonably require, allow building, including: us or any person authorized to act on our y (1) Detailed descriptions of the behalf: _ damage to the property; (a) Access to the location insured; (H) Repair estimates which show the (b) To inspect the location insured,and to 3 extent of damage to each item or inspect subject to a.(17) and a.(18) property; below all damaged property prior to > (iii) Estimated amount(s) to repair or its removal from the insured location, raepolace each item of property; (c) Examine your books and records;and (d) To require an insured or their (Iv) Amount(s) of payment made for representative, or both if reasonably any temporary or permanent possible, to be present at our N repairs. inspection and to assist in identifying Photographs and any other the damaged property during the N supporting documentation that exists inspection. should be included to the extent it is At our request„ identify the person or reasonable and practical to obtain. persons with knowledge of how the loss (7) The inventory of damaged Business occurred and the extent of damage. Personal Property described in a.(14) (11) At our request, identify all person(s)with below. knowledge of the facts of the loss. ($) Produce any updates to the documents (12) Execute all work authorizations and allow and information in 01) through a.(7) contractors and related parties entry to above, including revised descriptions of the property. loss, scope of loss, estimates or other supporting information: (13) Keep an accurate record of repair (a) As this information becomes expenses. available, and if additional loss or (14) At our request, give us or any person — damage is discovered or incurred; authorized to act on our behalf, complete and inventories of the damaged and undamaged property. Include (b) If you are provided with new estimates or invoices regarding the descriptions, quantities, costs, values losses submitted or not submitted in and amount of loss claimed. the proof of loss. Attach all bills, receipts and related documents that justify the figures in the E inventory. CIT CNRW 0125 02 20 Includes copyrighted material of Insurance Services Office, Inc., with its permission I Packet Pg. 2769 M.7.a (15) As often as we or any person authorized (c) Any agent or representative, to act on our behalf, reasonably require: including any public adjuster, (a) Show the damaged property retained engaged on behalf of you or any as required by this policy; and insured, or any member, officer, director, partner or similar (b) Provide requested records and representative of an association, documents, including all updates to corporation,or other entity, described the revised documentation, and in 20.(b)above; permit us or any person authorized to act on our behalf, to make copies. must: (16) Cooperate in obtaining and executing (a) Submit to examinations under oath any necessary municipal,county or other and recorded statements, at the governmental documentation or permits location insured or other reasonable for repairs to be made and any necessary location designated by us,while not in work authorizations,as required by these the presence of each other or any entities. other insured; (17) To the degree reasonably possible, (b) Provide government issued photo retain the damaged property and any identification. If you do not {possess photographs of the damaged property. government issued photo identification, a signed sworn Allow us or any person authorized to act statement identifying who you are on our behalf, to inspect the retained may be provided; and y property and make copies of the photographs. (c) Sign any transcript of the _ examinations under oath and (18) To the degree reasonably possible, prior recorded statements. to materially altering, destroying, trenching or excavating any part of the Such examinations and recorded property or structure insured, allow us or statements must be either in-person or any person authorized to act on our utilize video and audio technology, or behalf, the opportunity to inspect the both, as determined by us; and property. Such examinations and recorded (19) To the degree reasonably possible, you statements may be about any matter must permit us or any person authorized relating to this insurance or the claim, to act on our behalf, to take samples of including an insured's books and CD the damaged and undamaged property records. for inspection, testing and analysis and b. Duties Of An"Assignee" permit us or any person acting on our In case of a loss to covered property, we !Abehalf, to make copies from your books r_ have no duty to provide coverage under this and records. policy to an "assignee" if there is failure by (20) As often as we or any person authorized the "assignee" to comply with any of the is to act on our behalf reasonably require: following duties. These duties must be (a) You or any insured; performed by the"assignee". (b) Any member,officer,director, partner Pursuant to Florida law, in a claim arising or similar representative of the under an "assignment agreement", an association, corporation or other "assignee" has the burden to demonstrate that we are not prejudiced by the entity, if you are the association, "assignee's" failure to perform the duties in corporation or other entity, who is an insured; and (1)through(4) below. (1) Cooperate with us in the investigation of a claim. Page 6 of 10 Includes copyrighted material of Insurance Services Office, Inc., CIT CNR with its permission Packet Pg. 2770 M.7.a (2) Maintain records of all services provided Paragraph (3) above does not form the under the"assignment agreement". sole basis for a private cause of action (3) Provide us requested records and against us. documents related to the services Paragraph (3) applies only to the provided, and permit us to make copies following: of such records and documents. (a) A claim under a policy covering This includes providing accurate and up- residential property; to-date revised estimates of the scope of (b) A claim for building or contents work to be performed as supplemental or coverage if the insured structure is additional repairs are required. 10,000 square feet or less and the (4) Deliver a copy of the executed policy covers only locations in Florida; "assignment agreement' to us within 3 or business days after executing the (c) A claim for contents coverage under "assignment agreement" or when the a tenants policy if the rented work has begun, whichever is earlier. premises are 10,000 square feet or (5) Must perform the work in accordance less and the policy covers only with accepted industry standards. locations in Florida. c. Application Of Duties R. In form CP 0017, the following applies: The duties above apply regardless of If you name an insurance trustee, we will whether a person retains or is assisted by a adjust losses with you, but we will pay the y party who provides legal advice, insurance insurance trustee. If we pay the trustee, the N advice or expert claim advice, regarding an payments will satisfy your claims against us. insurance claim under this policy. S. The Loss Condition Loss Payment, paragraph `� g Q. The Loss Payment Condition dealing with the 4.a.(4) is deleted and replaced by the following: number of days within which we must pay for (4) Repair,rebuild or replace any part or item covered loss or damage is replaced by the of the damaged property with material or _ following: property of like kind and quality, subject '� N Provided you have complied with all the terms of to b. below. this Coverage Part, we will pay for covered loss or (This is paragraph 5.a.(4) inform CP 00 18) damage upon the earliest of the following: (1) Within 20 days after we receive the T. The Loss Condition Loss Payment, paragraph 4.a.(5) is added: sworn proof of loss and reach written agreement with you; (5) If an identical replacement is not N (2) Within 30 days after we receive the available, we may, at our option, substitute replacement of equal or v, sworn proof of loss and: greater features, functions or capacities (a) There is an entry of a final judgment; of the damaged property, subject to b. or below. i3 (b) There is a filing of an appraisal award (This is paragraph 5.a.(5) in form CP 00 18) with us; or U. The Loss Condition Loss Payment, paragraph 4.c. m (3) Within 90 days of receiving notice of an is deleted and replaced by the following: c initial, reopened, or supplemental c. We will give the first Named Insured, mail to property insurance claim, unless we deny the first Named Insured at the address the claim during that time or factors shown in the Declarations, or"electronically =_ beyond our control reasonably prevent transmit" to the first Named Insured, written such payment. notice of our intentions within 30 days after If a portion of the claim is denied,then the we receive the signed, sworn proof of loss. 90-day time period for payment of claim Proof of mailing or"electronic transmittal" is -_ relates to the portion of the claim that is sufficient proof of notice. not denied. (This is paragraph 5.c. in form CP 00 18) t CIT CNRW 0125 02 20 Includes copyrighted material of Insurance Services Office, Inc., Pane 7 of 10 with its permission Packet Pg. 2771 M.7.a V. The following is added to the Loss Payment AA.In the Loss Conditions, the following is added: Condition: Salvage Payment of a portion of the claim(s) being We may permit you to keep damaged insured asserted in a loss under this policy does not property after a loss. if we permit you to keep act as a waiver of our right to dispute or deny damaged insured property, we will reduce the any unpaid portion of any claim(s) that you amount of loss proceeds payable to you under the may assert arose from a loss. policy by the value of the salvage. W. The following is added to the Loss Payment gg,ln the Loss Conditions, the following is added: Condition: In no event will we make duplicate payments Notice for the same element of loss because of the A company employee adjuster, independent insured's failure to notify us of termination of adjuster, attorney, investigator, or other persons the"assignment agreement". acting on behalf of us that needs access to an insured or the claimant or to the insured property X. The following is added to the Loss Payment that is the subject of a claim must provide at least Condition: 48 hours' notice to the insured or the claimant, In case of loss to a pair, set or panels,we may public adjuster, or legal representative before elect to: scheduling a meeting with the claimant or an onsite (1) Repair or replace any part to restore the inspection of the insured property. pair, set or panel to its value before the The insured or the claimant may deny access to the loss; property if notice has not been provided. The (2) Pay the difference between the actual insured or the claimant may waive the 48-hour cash value of the property before and notice. W after the loss; or CC.In the Loss Conditions, the following is added: W (3) Pay in any loss involving part of a series Claim, Supplemental Claim,Or Reopened Claim 0 of pieces or panels: A claim, supplemental claim, or reopened claim for (a) The reasonable cost of repairing or loss or damage caused by windstorm or hurricane 76 replacing the damaged part to match is barred unless notice of the claim, supplemental the remainder as closely as possible; claim, or reopened claim is given to us in or accordance with the terms of the policy within 3 (b) The reasonable cost of providing an years after the date the hurricane first made landfall acceptable decorative effect or in Florida or the windstorm caused the covered utilization as circumstances may damage. warrant. A supplemental claim or reopened claim means any However, we do not guarantee the availability additional claim for recovery from us for losses from of replacements, and we will not be liable, in the same hurricane or windstorm which we have the event of damage to or loss of a part,for the previously adjusted pursuant to the initial claim. value, repair or replacement of the entire DD.In forms CP 00 10 and CP 0017, Additional �? series of pieces or panels. Condition Mortgageholders, paragraph 2.a. is Y. The Loss Condition Vacancy, paragraph 6. in form deleted and replaced by the following: m CP 00 10 and paragraph 7. in forms CP 0017 and a. The term mortgageholder includes trustee CP 0018, is deleted in its entirety. and lienholder. Z. In forms CP 00 17, Loss Condition Valuation, EE.In forms CP 00 10 and CP 0017, the following is paragraph 8.d. is added: added to Additional Condition Mortgageholders: c. "Stock"you have sold but not yet delivered at Policy conditions relating to Appraisal, Legal the selling price less discounts and expenses Action Against Us and Loss Payment apply you otherwise would have had. to the mortgagee. Page 8 of 10 Includes copyrighted material of Insurance Services Office, Inc., CIT CNR packet P 2772 with its permission g M.7.a FF.In the Additional Conditions,the following is added: KK.The following is added to H.Definitions part of this Adjustment of Limits and Amounts policy: If this policy is a renewal with us, the Limit of "Assignee" means a person who is assigned Insurance for your Covered Property may be post-loss benefits through an "assignment adjusted. agreement". Any change in the Limit of Insurance does not, in "Assignment agreement" means any instrument any way, represent, warrant, or guarantee to any by which post-loss benefits under a commercial person or entity, that: property insurance policy are assigned or transferred,or acquired in any manner, in whole or a. These adjustments will keep pace with in part, to or from a person providing services to inflation; or protect, repair, restore, or replace property or to b. The amounts of coverage are adequate to mitigate against further damage to the property. repair or rebuild any specific building or "Assignor" means a person who assigns post- structure. loss benefits under a commercial property GG.In the Additional Conditions,the following is added: insurance policy to another person through an With respect to any coverage provided under this °assignment agreement". Coverage Form to a Condominium Association, "Assumption insurer" means an insurer who this insurance does not cover any loss to a assumes contractual liability of your Citizens policy Condominium Association by reason of a under an assumption agreement or take out plan deductible incurred by or applied to it under other pursuant to Sections 627.351(6) and 627.3511, Florida Statutes. y - insurance covering the same loss or by reason of r the failure by the Condominium Association to "Diminution in value"means any reduction in the s obtain other insurance and it does not cover any value of any covered property as compared to the loss incurred by or assessed against the individual value of that property immediately before the loss. t unit owner(s) as a direct result of such deductible "Electronic transmittal" means: S or such failure to obtain other insurance and > neither the unit owner(s) nor the Condominium a. The electronic transmittal of any h document or notice to the designated o Association shall have aright of subrogation Primary Email Address shown in your ; against us. Declarations; or HH.In the Optional Coverages, Agreed Value, b. The electronic posting of any document or paragraph 1.b. is deleted and replaced with: notice, with notification to you of the posted b. Under the terms of this Optional Coverage, document or notice® by electronic transmittal N form CIT 1516 must be completed annually to the designated Primary Email Address and submitted prior to the expiration of the shown in your Declarations. Policy Period shown in the Declarations for (Hereafter referred to as '"electronically this policy to be considered for renewal, transmitted", '*electronic transmittal", Otherwise,this policy will be non-renewed or " electronically transmit" or "electronically cancelled in accordance with the c, cancellation and nonrenewal provisions of transmitting") the policy. LLJn Form CP 00 17, the following definition is added II. In the Optional Coverages, Agreed Value, H. Definitions part of this policy: paragraph 1.c.(1) and 11.c.(2) are deleted and "Stock" means merchandise held in storage or replaced by the following: for sale, raw materials and in-process or finished (1) On or after the inception of the Policy goods, including supplies used in their packing or Period shown in the Declarations; and shipping. (2) Before the expiration of the Policy Period MM.In the Common Policy Conditions, the shown in the Declarations, Inspections And Surveys Condition D. is deleted and replaced by the following: JJ.In form CP 00 17, Optional Coverages, D. Inspections And Surveys. Replacement Cost, paragraph 3.b.(4) is added: (4) "Stock", unless the Including "Stock" 1. We have the right to: option is shown in the Declarations. a. Make inspections and surveys at any =_ time; IM CIT CNRW 0125 02 20 Includes copyrighted material of Insurance Services Office, Inc., P with its permission Packet Pg. 2773 M.7.a b. Give you reports on the conditions we PP.In the Commercial Property Conditions, the find; and Concealment, Misrepresentation Or Fraud c. Recommend changes. Condition A. is deleted and replaced by the following: 2. We are not obligated to make any inspections, surveys, reports or A. Concealment, Misrepresentation Or Fraud. recommendations and any such actions we With respect to all persons insured under this do undertake relate only to insurability and policy, we provide no coverage for loss if, the premiums to be charged. whether before, during or after a loss, any one We do not make safety inspections. We do or more persons insured under this policy have: not undertake to perform the duty of any 1. Intentionally concealed or misrepresented person or organization to provide for the any material fact or circumstance; health or safety of workers or the public. 2. Engaged in fraudulent conduct; or And we do not warrant that conditions: 3. Made material false statements; a. Are safe or healthful; or relating to this insurance. b. Comply with laws, regulations, codes or 4. However, if this policy covers a residential standards. structure or its contents and the policy has 3. This condition applies not only to us,but also been in effect for more than 90 days,we may to any rating, advisory, inspection service or not deny a claim filed by you or an insured E similar organization which makes insurance on the basis of credit information available in inspections, surveys, reports or public records. recommendations. QQ.Under the Commercial Property Conditions, NN.In the Common Policy Conditions, the following is Control Of Property Condition B., the following is added: added: Renewal Notification We will not pay for loss or damage while the > If we elect to renew this policy, we will let the first chance of loss or damage is increased by any Named Insured know, in writing: means within your knowledge or control. 76 1. Of our decision to renew this policy; and RR.The following is added to this policy: 2. The amount of renewal premium payable to AGREEMENT us. This policy is issued on behalf of the Citizens N This notice will be delivered to the first Named Property Insurance Corporation and by acceptance Insured, mailed to the first Named Insured at the of this policy you agree: mailing address shown in the Declarations, or This policy does not include, does not insure, and N "electronically transmitted" to the first Named we will not pay for, any"diminution in value". Insured,at least 45 days before the expiration date SS-The following is added to this policy: of this policy. Proof of mailing or "electronic transmittal" is IN WITNESS WHEREOF, Citizens Property sufficient proof of notice. Insurance Corporation has executed and attested these presents. 0) OO.In the Common Policy Conditions, the following is added:, Document Transmittal Upon affirmative election by you for Citizens to deliver policy documents by electronic means in lieu of delivery by mail, we may "electronically Citizens Property Insurance Corporation transmit"any document or notice to you. Proof of"electronic transmittal"is sufficient proof of notice. Page 10 of 10 Includes copyrighted material of Insurance Services Office, Inc., CIT CNR10 with its permission Packet Pg. 2774 M.7.a E O fn N a _ N O Y^ Y V® M 1p N N CD CD CD U _a Ism Packet Pg. 2775 M 7.b InteriskCorporation Risk Mgt.&Employee Benefits Consultants 1101 Red Maple Circle N.E.,St. Petersburg, Florida 33703-6318 — telephone: 813-287-1040 www.interisk.net April 9,2020 Ms.Maria Slavik,CPM Risk Administrator E Monroe County 1111 1211,Street Suite 408 Key West,Florida 33040 Subject: Renewal of Citizens Wind Policy c .n Dear Maria: The County currently purchases Primary Wind Coverage on approximately 44 of its buildings and UJ contents from Citizens Property Insurance Corporation. This policy is purchased to supplement the wind coverage contained in the County's Master Property Policy. The County's 2019/20 Master Property program provides Named Windstorm coverage with limits of$10 million and a deductible z of$1 million per occurrence/per location. Citizens provides up to $1 million of coverage for each _ building scheduled on the policy subject to a deductible that amounts to approximately 5%of the Insured Value of the building(s) damaged. The County paid an annual premium of$753,872 for their 2019/20 Citizens Wind policy that expires on May 29,2020. Citizens has issued their renewal notice for the 2020/21 policy term reflecting a premium of $812,452. The following table reflects the cumulative limits for the County's Buildings and Contents coverage and the premiums for each classification of coverage for Citizens' renewal. z Item Cumulative Limits Cumulative Premium Buildings $27,868,079 $572,360 Contents $7,693,347 $123,530 CL Fees and Assessments $116,562 Total $35,561,426 $812,452 This represents an increase of$58,580 (7.8%) compared to the County's 2019/20 premium. LU It is recommended that the County renew its Primary Wind coverage as being proposed by Citizens for the policy period of 5/29/20 to 5/29/21. Packet Pg. 2776 M 7.b Please do not hesitate to call if you have any questions or concerns. Cordially INTERISK CORPORATION E c Sidney G. Webber CPCU,ARM CL CJ CJ Packet Pg. 2777 ,_m__w _ __m uospudwoo w,_ee a_m IT ITIWI § _ y L lll-�C� C� O� C�O� C� C� O� C� rl�rl� C� C� / ) B ) ) B _ § k / E2@ - � § C4 / � f \ }\}}\C�\\� \� \�\\\\\\ \\\}{ \ \\\\�\ \ \ - \ \k §) !\\\\ \ / } ! ) J) < _ \ 2 ,) / /\ \\ \ _ )/«\®\ \\ )\\\ \ \\\\\\\\\\ \\\ \\ \\}}}f \ \ \\\\\ \\) /\ \ \ \\\\ \ \ \\\\ \ \ \ \ \ \ \ \ \ \ \ \ ( \ \ \ \ \ \ \ \\ \\\\ ) \ \ \ 1 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - ,_m__w _ __m uospudwoo w,_ee a_m od § _ 2 � fE / ) B 3 2 - U,g - § § / E0 - � n m 06