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Item P06 P.6 Coty f � ,�� ,' BOARD OF COUNTY COMMISSIONERS �� Mayor David Rice,District 4 The Florida Keys � Mayor Pro Tem Craig Cates,District I y Michelle Coldiron,District 2 James K.Scholl,District 3 Ij Holly Merrill Raschein,District 5 County Commission Meeting June 15, 2022 Agenda Item Number: P.6 Agenda Item Summary #10630 BULK ITEM: Yes DEPARTMENT: County Attorney's Office TIME APPROXIMATE: STAFF CONTACT: Brian Bradley (305) 295-3177 N/A AGENDA ITEM WORDING: Approval of renewal of Primary Windstorm Insurance Policy with a premium of$1,050,464.00 from Citizens Property Insurance Corporation and authorization for the Risk Manager to sign all necessary forms. ITEM BACKGROUND: The County currently has a Primary Windstorm Insurance Policy providing coverage on 43 of its buildings and contents from Citizens Property Insurance Corporation that expires on May 29, 2022. 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 Wind Policy for East Martello with $1,000,000.00 coverage and a 5% deductible. The policy would provide coverage from May 29, 2022 until May 29, 2023. The payment is due June 24, 2022. The County could also pay in quarterly installments with a 4% charge. This renewal Primary Windstorm Policy annual premium is $1,050,464.00. This represents an increase of$198,712 (23.330%) compared to the County's 2021/22 premium. The building limits insured are $30,871,079 for a premium of$759,883, and the total Contents (business personal property) limits insured are $7,693,447.00 for apremium of$134,509.00. Fees and assessments total is $156,072.00. PREVIOUS RELEVANT BOCC ACTION: On 5/19/2021, the BOCC approved the current Windstorm insurance proposal. CONTRACT/AGREEMENT CHANGES: Insurance renewal STAFF RECOMMENDATION: Approval. Packet Pg. 3093 P.6 DOCUMENTATION: Monroe County Citizens Renewal Offer 2022 Recommendation Letter from Risk Consultant FINANCIAL IMPACT: Effective Date: 5/29/22 Expiration Date: 5/29/23 Total Dollar Value of Contract: $1,050,464.00 Total Cost to County: $1,050,464.00 Current Year Portion: $1,050,464.00 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: 06/24/22 503-08502 - RISK MGMT INSURANCE $1,050,464.00 REVIEWED BY: Brian Bradley Completed 05/24/2022 1:39 PM Cynthia Hall Completed 05/24/2022 1:56 PM Bob Shillinger Completed 05/24/2022 3:05 PM Purchasing Completed 05/24/2022 3:09 PM Budget and Finance Completed 05/25/2022 2:34 PM Lindsey Ballard Completed 05/31/2022 10:17 AM Board of County Commissioners Pending 06/15/2022 9:00 AM Packet Pg. 3094 P.6.a JOLENE ALLEN THE JOHNSON'S INSURANCE ADVISORS, LLC 13361 OVERSEAS HIGHWAY MARATHON, FL 33050 MONROE COUNTY, FLORIDA ATTN: MARIA SLAVIK, RISK MANAGEMENT 1100 SIMONTON ST CN KEY WEST, FL 33040 a CN CN CN CN U) CN CN CN U) a t) a 0 t3 0 0 a 0 E u Packet Pg. 3095 CN Q CN CN CN Q CN E L- 0 U) CN CN CD CN 0 U) a u a 0 u 0 0 a 0 2 E .a u Packet Pg. 3096 P.6.a THE JOHNSON'S INSURANCE ADVISORS, LLC rrCITIZENS 13361 OVERSEAS HIGHWAY MARATHON FL 33050 PROPERTY INSURANCE CORPORATION Renewal Premium Invoice Invoice date: May 5, 2022 BILLED TO: Invoice Summary MONROE COUNTY, FLORIDA Amount Due $1,050,464.00 ATTN: BRIAN BRADLEY 1111 12TH STREET SUITE 408 Payment Due June 24, 202204 CD KEY WEST, FL 33040 Current Payment Plan Full Pay04 04 CD See reverse side for payment options 04 3 Policy Information a Insured: MONROE COUNTY, FLORIDA Primary address: 535 33RD ST E MARATHON, FL 33050-2301 U) Policy number: 00015845 Term: 9 E Policy period: 05/29/22 to 05/29/23 ".","Payment Plans At-a-Glance Renewal premium: $1,050,464.00 Initial � Payment Installment Installment Installrr CD Quarterly* $420185 $210092 $210092 $210C � Semiarfnual* $630279 $420185 3 % Contact your agent with questionsPayment Due 06/24/22 08/29/22 11/29/22 02/28, or to change your payment plan *A 4 percent installment fee will be added to each THE JOHNSON'S INSURANCE ADVISORS, LLC installment following the initial payment 305-289-0213 (address at top of page) These payment plan amounts will differ if changes are made to your policy that increase or decrease premium 0 as 0 Please detach and submit this portion with your payment. ��ITIZEI E' Payment Due: June 24, 2022 U Policy Number: 00015845 Term: 9 Insured: MONROE COUNTY, FLORIDA Remit payment to: Amount Due $1,050,464.00 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. CST00015845709119850023260 packet Pg. 3097 P.6.a Pay Online" Pay by Phone" Pay by Mail Pay by Overnight Mail See www.citizensfla.com/ 866.411.2742 P.O. Box 17850 c/o Payment Processing payments for more Jacksonville, FL Department information. Only for issued 32245-7850 301 West Bay Street, Personal Lines Ste 1300 policies Jacksonville, FL 32202 04 04 04 Phone: 866.411.2742 04 CD **Checking and saving account ACH payments only. CD r_ CD Online or Phone Payment Terms B E When making payment to Citizens Property Insurance Corporation by phone or online, you authorize your financial institution to deduct the amount entered as a one-time payment from your bank account. Citizens Property Insurance Corporation will note this transaction as a pending payment until funds are secured from your financial institution. If Citizens Property Insurance Corporation is unable to secure funds from your bank account for any reason, including but not limited to insufficient funds in your account or inaccurate information provided by you when you submitCD your electronic payment, further collection action may be undertaken by Citizens Property Insurance Corporation, including application of returned check fees to the extent permitted by law. as 3 as r_ as U) r_ as 0 as 0 0 as B U Packet Pg. 3098 ��r CITIZENS PROPERTY INSURANCE CORPORATION 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 DEFICITAS 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 cc." AS HIGH AS 45 PERCENT OF MY PREMIUM, BY OBTAINING COVERAGE FROM A PRIVATE MARKET N INSURER AND THAT TO BE ELIGIBLE FOR COVERAGE BY CITIZENS, I MUST FIRST TRY TO OBTAIN N PRIVATE MARKET COVERAGE BEFORE APPLYING FOR OR RENEWING COVERAGE WITH CITIZENS. 'CON I UNDERSTAND THAT PRIVATE MARKET INSURANCE RATES ARE REGULATED AND APPROVED BY 76 THE STATE. 3. 1 UNDERSTAND THAT I MAY BE SUBJECT TO EMERGENCY ASSESSMENTS TO THE SAME EXTENT AS POLICYHOLDERS OF OTHER INSURANCE COMPANIES, OR A DIFFERENT AMOUNT AS IMPOSED BY THE FLORIDA LEGISLATURE. 4. 1 ALSO UNDERSTAND THAT CITIZENS PROPERTY INSURANCE CORPORATION IS NOT SUPPORTED U) 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.citizensfia.com. N N 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 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. Citizens Policy ABC Insurance Policy If your annual premium is: $25,000 $25,000 0 U Tier 1: Potential Citizens Policyholder Surcharge (one-time assessment up to 45% of premium) $11,250 N/A 0 Tier 2: Potential Regular Assessment (one-time assessment up to 2% of N/A $500 premium) Tier 3: Potential Emergency Assessment (up to 30% of premium $7 500 $7,500 annually, may apply for multiple years) z Potential Annual Assessment: $1066 $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. ACK-2 01 14 Packet Pg. 3099 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION rrCITIZENS 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. CN cN Commercial Nonresidential Wind Only N DECLARATIONS N 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. E L_ The Coinsurance and Agreed Value provisions and forms have been deleted from your policy. These and U) other changes have been made as follows: FLORIDA CHANGES, form CIT CNRW 01 25 02 22 (Former CIT CNRW 01 25 02 20). If this form is part N of your policy, the form has been changed as follows: N N L_ • Paragraph G.Coverage Extensions 5."If a Coinsurance percentage of 80%or more,Agreed Value, or a Value Reporting period symbol, is shown in the Declarations" is deleted and replaced with "If CIT 04 14 is not part of this policy". • Paragraph J.Coverage Extensions 5.d. "The coinsurance clause applicable to each location under this policy must be complied with for this extension of coverage to apply" is deleted. • Paragraph 0.2.b. Alternative Dispute Resolution, b. Appraisal, paragraphs b.(2) through (5) are amended to bolster conditions regarding appraiser qualifications when appraising complex commercial loss and preparing estimates of dispute. Additional time frames are introduced. Parameters surrounding examination of the damages claimed and failure to agree upon the amount U of loss are introduced. Paragraph b.(9) is amended to provide that the parties are responsible to pay the reasonable fees and reasonable expenses of the appraisal and the umpire equally. • Paragraph CC. Claim, Supplemental Claim, Or Reopened Claim is amended to: t0 o Change the time within which a claim or reopened claim (but not a supplemental claim) must be reported to Citizens from within 3 years after the date of loss to within 2 years after the date of loss (otherwise the claim or reopened claim is barred). A supplemental claim 0 must be reported to Citizens within 3 years after the date of loss. o Revise the definitions of"reopened claim" and "supplemental claim"; o Provide a mechanism to determine the date of loss for claims resulting from hurricanes, tornadoes, windstorms, severe rain, or other weather-related events. • Paragraph FF. "Additional Condition Coinsurance is deleted in its entirety" is added. • Paragraph HH. is deleted and subsequent paragraphs have been relettered. • Paragraph II. is deleted and subsequent paragraphs have been relettered. • Paragraph 00. The Concealment, Misrepresentation Or Fraud condition is renamed to Incorrect Statements Or Representations, Concealment Or Fraudulent Conduct and is amended to express we do not provide coverage to you, any insureds or any other claimant on any basis, if, before, during or after a loss: (1) You or any insured separately or in any manner in conjunction with each other or any third parties; or CNRW1 0222 Packet Pg. 3100 P.6.a (2) Any other claimant, or other claimants separately or in any manner in conjunction with each other, you, any insureds or any third parties: Have, relating to this insurance made one or more material incorrect statements or representations, concealed any material fact or circumstance or engaged in fraudulent conduct. Additionally, we do not provide coverage to you or any insureds when you or any insured had knowledge of, but failed to disclose that any claimant, or agent or representative of you, any insured, or any claimant made one or more material incorrect statements or representations, concealed any material fact or circumstance, or engaged in fraudulent conduct. • "Assignor"definition is deleted. • References to provisions within the endorsement are also edited as applicable. N CAUSES OF LOSS — WINDSTORM OR HAIL FORM, form CIT W10 10 02 22 (Former CIT W10 10 02 N 19). If this form is part of your policy, the form has been changed as follows: N N • Paragraph B. Exclusions, Exclusion 1.s. Existing Damage. The meaning of"Existing Damage" is amended to also provide that any unrepaired part or portion of a loss to property for which you have made an insurance claim, whether or not paid by insurance, is "Existing Damage". FLORIDA CHANGES—BUILDERS RISK, form CIT BR 01 25 02 22 (Former CIT BR 01 25 02 20). If this form is part of your policy, the form has been changed as follows: 0 U) • "Assignor"definition is deleted. 9 • Paragraph E.2.b. Alternative Dispute Resolution, b. Appraisal, paragraphs b.(2) through (5) are 3> amended to bolster conditions regarding appraiser qualifications when appraising complex N commercial loss and preparing estimates of dispute. Additional time frames are introduced. a Parameters surrounding examination of the damages claimed and failure to agree upon the amount of loss are introduced. Paragraph b.(9) is amended to provide that the parties are responsible to pay the reasonable fees and reasonable expenses of the appraisal and the umpire equally. • Paragraph P. Claim, Supplemental Claim, Or Reopened Claim is amended to: o Change the time within which a claim or reopened claim (but not a supplemental claim) must be reported to Citizens from within 3 years after the date of loss to within 2 years after the date of loss (otherwise the claim or reopened claim is barred). A supplemental claim must be reported to Citizens within 3 years after the date of loss. o Revise the definitions of"reopened claim" and "supplemental claim"; o Provide a mechanism to determine the date of loss for claims resulting from hurricanes, t3 tornadoes, windstorms, severe rain, or other weather-related events. • Paragraph V. The Concealment, Misrepresentation Or Fraud condition is renamed to Incorrect Statements Or Representations, Concealment Or Fraudulent Conduct and is amended to express U we do not provide coverage to you, any insureds or any other claimant on any basis, if, before, 0 during or after a loss: (1) You or any insured separately or in any manner in conjunction with each other or any third 0 parties; or .. (2) Any other claimant, or other claimants separately or in any manner in conjunction with each other, you, any insureds or any third parties: E Have, relating to this insurance made one or more material incorrect statements or representations, concealed any material fact or circumstance or engaged in fraudulent conduct. Additionally, we do not provide coverage to you or any insureds when you or any insured had knowledge of, but failed to disclose that any claimant, or agent or representative of you, any insured, or any claimant made one or more material incorrect statements or representations, concealed any material fact or circumstance, or engaged in fraudulent conduct. 2 CNRW1 0222 Packet Pg. 3101 P.6.a FLORIDA COMMERCIAL MOBILE HOME, form CIT MH 05 01 02 22 (Former CIT MH 05 01 02 20) If this form is part of your policy, the form has been changed as follows: • Paragraph H. Coverage Extensions 5. — "If a Coinsurance percentage of 80% or more, Agreed Value, or a Value Reporting period symbol, is shown in the Declarations" is deleted. • Paragraph K.Coverage Extensions 5.d. "The coinsurance clause applicable to each location under this policy must be complied with for this extension of coverage to apply" is deleted. • Paragraph P.2.b. Alternative Dispute Resolution, b. Appraisal, paragraphs b.(2) through (5) are amended to bolster conditions regarding appraiser qualifications when appraising complex commercial loss and preparing estimates of dispute. Additional time frames are introduced. Parameters surrounding examination of the damages claimed and failure to agree upon the amount N of loss are introduced. Paragraph b.(9) is amended to provide that the parties are responsible to N pay the reasonable fees and reasonable expenses of the appraisal and the umpire equally. N • Paragraph DD. Claim, Supplemental Claim, Or Reopened Claim is amended to: a o Change the time within which a claim or reopened claim (but not a supplemental claim) must be reported to Citizens from within 3 years after the date of loss to within 2 years after the date of loss (otherwise the claim or reopened claim is barred). A supplemental claim must be reported to Citizens within 3 years after the date of loss. o Revise the definitions of"reopened claim" and "supplemental claim"; o Provide a mechanism to determine the date of loss for claims resulting from hurricanes, tornadoes, windstorms, severe rain, or other weather-related events. U) • Paragraph FF. "Additional Condition Coinsurance is deleted in its entirety" is added. 9 • Paragraph HH. is deleted and subsequent paragraphs have been relettered. 3, • Paragraph II. is deleted and subsequent paragraphs have been relettered. N • Paragraph NN. The Concealment, Misrepresentation Or Fraud condition is renamed to Incorrect a Statements Or Representations, Concealment Or Fraudulent Conduct and is amended to express we do not provide coverage to you, any insureds or any other claimant on any basis, if, before, during or after a loss: (1) You or any insured separately or in any manner in conjunction with each other or any third parties; or (2) Any other claimant, or other claimants separately or in any manner in conjunction with each other, you, any insureds or any third parties: Have, relating to this insurance made one or more material incorrect statements or representations, concealed any material fact or circumstance or engaged in fraudulent conduct. Additionally, we do not provide coverage to you or any insureds when you or any insured had t3 knowledge of, but failed to disclose that any claimant, or agent or representative of you, any insured, or any claimant made one or more material incorrect statements or representations, concealed any material fact or circumstance, or engaged in fraudulent conduct. U • "Assignor"definition is deleted. 0 • References to provisions within the endorsement are also edited as applicable. 0 AGREED VALUE, form CIT 16 15 12 15, If this form is part of your policy, the form has been changed as follows: E • This form has been withdrawn. 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, 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. 3 CNRW1 0222 Packet Pg. 3102 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY POLICY NUMBER: 00015845-9 POLICY PERIOD FROM 05/29/2022 TO 05/29/2023 at 12:01 a.m. Eastern Time Transaction: RENEWAL N N N N Item Prior Policy Information Amended Policy Information cN Policy Coverages Common Building Terms Coinsurance 80% Locations and Buildings 10:50 HIGH POINT RD 1:TWO STORY 4 UNIT WIND RESISTIVE GOVERNMENTAL 0 CENTER Coverages Building Coverage Most Recent Inflation Amt TRC Ext 4788000.00 cv Building Coverage:Total Replacement Cost $3,954,000 $4,788,000 Q Hurricane, Other Windstorm or Hail Deductible Amount $197,700 $239,400 c," Roof Remaining Useful Life(Years) 3 2 11:53 HIGHPOINT RD 1:ONE STORY WIND RESISTIVE JAIL BLDG Coverages Building Coverage Most Recent Inflation Amt TRC Ext 1537060.00 Inflation Factor Override Ext Yes No U) Building Coverage:Total Replacement Cost $1,269,000 $1,537,000 Hurricane, Other Windstorm or Hail Deductible Amount $63,450 $76,850 Roof Remaining Useful Life(Years) 3 1 L) 12:380 KEY DEER BLVD 1:ONE STORY MASONRY AARP BUILDING 0 Coverages t) Building Coverage 0 Limit 362,000 438,000 Most Recent Inflation Amount Ext 362000.00 438000.00 0 Most Recent Inflation Amt TRC Ext 362000.00 438000.00 Building Coverage:Total Replacement Cost $362,000 $438,000 Hurricane, Other Windstorm or Hail Deductible Amount $18,100 $21,900 Year of Last Primary Roof Update/Replacement 1990 2016 13: 151 MARINE AVE 1:ONE STORY WIND RESISTIVE FIRE AND AMBULANCE STATION Coverages Building Coverage Most Recent Inflation Amt TRC Ext 1566000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $1,293,000 $1,566,000 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. PCS 01 14 Packet Pg. 3103 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 Item Prior Policy Information Amended Policy Information Hurricane, Other Windstorm or Hail Deductible Amount $64,650 $78,300 Year of Last Primary Roof Update/Replacement 1989 2018 N Roof Remaining Useful Life(Years) 3 c� 14:3981 OCEAN TERR N 1:ONE STORY WR JAIL c� Coverages Building Coverage Most Recent Inflation Amt TRC Ext 1469000.00 Building Coverage:Total Replacement Cost $1,213,000 $1,469,000 Hurricane, Other Windstorm or Hail Deductible Amount $60,650 $73,450 Year of Last Primary Roof Update/Replacement 1990 2014 0 Roof Remaining Useful Life(Years) 3 U) 15:2798 OVERSEAS HWY 1:TWO STORY 10 UNIT WIND RESISTIVE COUNTY OFFICE Coverages C Building Coverage CN N Most Recent Inflation Amt TRC Ext 4028000.00 c14 Building Coverage:Total Replacement Cost $3,326,000 $4,028,000 Hurricane, Other Windstorm or Hail Deductible Amount $166,300 $201,400 Roof Remaining Useful Life(Years) 3 8 16:3103 OVERSEAS HWY 1:ONE STORY 3 UNIT MASONRY COURTHOUSE/POLICE SUBSTATION Coverages U) Building Coverage Most Recent Inflation Amt TRC Ext 1640000.00 Building Coverage:Total Replacement Cost $1,354,000 $1,640,000 Cj Hurricane, Other Windstorm or Hail Deductible Amount $67,700 $82,000 Roof Remaining Useful Life(Years) 1 17:3117 OVERSEAS HWY f0 1:ONE STORY WIND RESISTIVE SUB-COURTHOUSE BLDG 0 Coverages a 0 Building Coverage First Loss No Yes , Most Recent Inflation Amt TRC Ext 1015000.00 1229000.00 Building Coverage:Total Replacement Cost $1,015,000 $1,229,000 Hurricane, Other Windstorm or Hail Deductible Amount $40,700 $61,450 Year of Last Primary Roof Update/Replacement 1984 2020 Roof Remaining Useful Life(Years) 3 18:81830 OVERSEAS HWY 1:ONE STORY MASONRY LIBRARY Coverages Building Coverage Most Recent Inflation Amt TRC Ext 1209000.00 Building Coverage:Total Replacement Cost $998,000 $1,209,000 Hurricane, Other Windstorm or Hail Deductible Amount $49,900 $60,450 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. PCS 01 14 Packet Pg. 3104 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 Item Prior Policy Information Amended Policy Information Primary Roof Covering Material Metal Built Up:3-ply,Tar and Gravel,or Modified Bitumen N Year of Last Primary Roof Update/Replacement 1937 2014 Q 19:3251 OVERSEAS HWY C14 1:ONE STORY MASONRY LIBRARY BLDG Q Coverages Building Coverage Most Recent Inflation Amt TRC Ext 1332000.00 Building Coverage:Total Replacement Cost $1,100,000 $1,332,000 Hurricane, Other Windstorm or Hail Deductible Amount $55,000 $66,600 1:535 33RD ST 0 1:ONE STORY MASONRY AARP BUILDING K/A MELVIN U) LOVITT SENIOR CITIZEN BUILDING Coverages Building Coverage Limit 318,000 385,000 cv c14 Most Recent Inflation Amount Ext 318000.00 385000.00 Q Most Recent Inflation Amt TRC Ext 318000.00 385000.00 Building Coverage:Total Replacement Cost $318,000 $385,000 Hurricane, Other Windstorm or Hail Deductible Amount $15,900 $19,250 Roof Remaining Useful Life(Years) 1 20:8000 Overseas Hwy 1:TWO STORY SWR AIRPORT TERMINAL Coverages U) Building Coverage Most Recent Inflation Amt TRC Ext 5887000.00 Building Coverage:Total Replacement Cost $4,861,000 $5,887,000 Hurricane, Other Windstorm or Hail Deductible Amount $243,050 $294,350 2:AIRCRAFT HANGER Coverages f0 Building Coverage Limit 523,000 633,000 0 Most Recent Inflation Amount Ext 523000.00 633000.00 a 0 Most Recent Inflation Amt TRC Ext 523000.00 633000.00 Building Coverage:Total Replacement Cost $523,000 $633,000 Hurricane, Other Windstorm or Hail Deductible Amount $26,150 $31,650 3:AIRCRAFT HANGER Coverages Building Coverage Limit 523,000 633,000 Most Recent Inflation Amount Ext 523000.00 633000.00 Most Recent Inflation Amt TRC Ext 523000.00 633000.00 Building Coverage:Total Replacement Cost $523,000 $633,000 Hurricane, Other Windstorm or Hail Deductible Amount $26,150 $31,650 4:AIRCRAFT HANGER 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. PCS 01 14 Packet Pg. 3105 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 Item Prior Policy Information Amended Policy Information Limit 523,000 633,000 Most Recent Inflation Amount Ext 523000.00 633000.00 N Most Recent Inflation Amt TRC Ext 523000.00 633000.00 c14 Building Coverage:Total Replacement Cost $523,000 $633,000 N Hurricane, Other Windstorm or Hail Deductible Amount $26,150 $31,650 Q 5:T-4 Hangar Coverages Building Coverage Limit 807,000 977,000 Most Recent Inflation Amount Ext 807000.00 977000.00 Most Recent Inflation Amt TRC Ext 807000.00 977000.00 0 Building Coverage:Total Replacement Cost $807,000 $977,000 U) Hurricane, Other Windstorm or Hail Deductible Amount $40,350 $48,850 9= Roof Remaining Useful Life(Years) 24 23 21: 10100 OVERSEAS HWY 1:ONE STORY MAS AIRCRAFT HANGER#2 N Coverages c14 Building Coverage Most Recent Inflation Amt TRC Ext 1873000.00 Building Coverage:Total Replacement Cost $1,547,000 $1,873,000 Hurricane, Other Windstorm or Hail Deductible Amount $77,350 $93,650 2:AIRCRAFT HANGER Coverages Building Coverage U) Limit 388,000 470,000 Most Recent Inflation Amount Ext 388000.00 470000.00 _ Most Recent Inflation Amt TRC Ext 388000.00 470000.00 t3 Building Coverage:Total Replacement Cost $388,000 $470,000 Hurricane, Other Windstorm or Hail Deductible Amount $19,400 $23,500 22:88220 OVERSEAS HWY 0 t) 1:TWO STORY 4 UNIT WR COUNTY OFFICE Coverages 0- Building Coverage 0 Most Recent Inflation Amt TRC Ext 3694000.00 Building Coverage:Total Replacement Cost $3,050,000 $3,694,000 Hurricane, Other Windstorm or Hail Deductible Amount $152,500 $184,700 Primary Roof Covering Material Built Up:3-ply,Tar and Gravel, Metal or Modified Bitumen Roof Remaining Useful Life(Years) 3 2 23: 101485 OVERSEAS HWY 1:ONE STORY SWR LIBRARY Coverages Building Coverage Most Recent Inflation Amt TRC Ext 2496000.00 Building Coverage:Total Replacement Cost $2,061,000 $2,496,000 Hurricane, Other Windstorm or Hail Deductible Amount $103,050 $124,800 Roof Remaining Useful Life(Years) 1 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. PCS 01 14 Packet Pg. 3106 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 Item Prior Policy Information Amended Policy Information 24: 1100 SIMONTON ST 1:TWO STORY 8 UNIT WR OFFICE BLDG N Coverages c14 Building Coverage cv cN Most Recent Inflation Amt TRC Ext 7645000.00 Q Building Coverage:Total Replacement Cost $6,313,000 $7,645,000 Hurricane, Other Windstorm or Hail Deductible Amount $315,650 $382,250 Roof Remaining Useful Life(Years) 3 5 25:3491 ROOSEVELT BLVD S 1:ONE STORY 3 UNIT SWR BUS TERMINAL/AIRPORT TERMINAL BLVD L- Coverages U) Building Coverage Most Recent Inflation Amt TRC Ext 1824000.00 Building Coverage:Total Replacement Cost $1,506,000 $1,824,000 Hurricane, Other Windstorm or Hail Deductible Amount $75,300 $91,200 cv c14 Roof Remaining Useful Life(Years) 1 c14 2:TWO STORY WIND RESISTIVE BUS TERMINAL Coverages Building Coverage Most Recent Inflation Amt TRC Ext 7486000.00 Building Coverage:Total Replacement Cost $6,182,000 $7,486,000 Hurricane, Other Windstorm or Hail Deductible Amount $309,100 $374,300 Primary Roof Covering Material Built Up:3-ply,Tar and Gravel, Metal U) or Modified Bitumen Roof Remaining Useful Life(Years) 3 5 26:3583 S ROOSEVELT BLVD 1:ONE STORY MASONRY COUNTY GARAGE BLVD Coverages Building Coverage f0 Limit 374,000 453,000 Most Recent Inflation Amount Ext 374000.00 453000.00 0- Most Recent Inflation Amt TRC Ext 374000.00 453000.00 9= 0 Building Coverage:Total Replacement Cost $374,000 $453,000 Hurricane, Other Windstorm or Hail Deductible Amount $18,700 $22,650 , Primary Roof Covering Material Shingles: Fiberglass/Asphalt Built Up:3-ply,Tar and Gravel,or Composition Modified Bitumen Roof Remaining Useful Life(Years) 5 27: 1200 Truman Ave 1:TWO STORY 5 UNIT WR OFFICE BUILDING Coverages Building Coverage Most Recent Inflation Amt TRC Ext 5850000.00 Building Coverage:Total Replacement Cost $4,831,000 $5,850,000 Hurricane, Other Windstorm or Hail Deductible Amount $241,550 $292,500 Roof Remaining Useful Life(Years) 3 2 28:500 WHITEHEAD 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. PCS 01 14 Packet Pg. 3107 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 Item Prior Policy Information Amended Policy Information 1:TWO STORY 13 UNIT MASONRY COURT HOUSE ANNEX Coverages CN Building Coverage c14 Most Recent Inflation Amt TRC Ext 7789000.00 N Building Coverage:Total Replacement Cost $6,432,000 $7,789,000 Q Hurricane, Other Windstorm or Hail Deductible Amount $321,600 $389,450 Year of Last Primary Roof Update/Replacement 1980 1999 29:510 WHITEHEAD ST 1: FOUR STORY MAS JAIL AND COURTHOUSE ANNEX Coverages Building Coverage 0 Most Recent Inflation Amt TRC Ext 10834000.00 U) Building Coverage:Total Replacement Cost $8,946,000 $10,834,000 Hurricane, Other Windstorm or Hail Deductible Amount $447,300 $541,700 Roof Remaining Useful Life(Years) 1 2:490 63RD ST N 1:ONE STORY SWR GOVERNMENT CENTER ANNEX cN Coverages Building Coverage Most Recent Inflation Amt TRC Ext 1789000.00 Building Coverage:Total Replacement Cost $1,477,000 $1,789,000 Hurricane, Other Windstorm or Hail Deductible Amount $73,850 $89,450 Year of Last Primary Roof Update/Replacement 1937 2019 30:530 WHITEHEAD ST U) 1:THREE STORY 4 UNIT WIND RESISTIVE JUSTICE BLDG Coverages _ Building Coverage t3 Most Recent Inflation Amt TRC Ext 7019000.00 Building Coverage:Total Replacement Cost $5,796,000 $7,019,000 Hurricane, Other Windstorm or Hail Deductible Amount $289,800 $350,950 t) Year of Last Primary Roof Update/Replacement 1995 2013 Roof Remaining Useful Life(Years) 3 0- 31:938 WHITEHEAD ST 0 1:ONE STORY FRAME MUSEUM Coverages Building Coverage Limit 447,000 541,000 Most Recent Inflation Amount Ext 447000.00 541000.00 Most Recent Inflation Amt TRC Ext 447000.00 541000.00 ° Building Coverage:Total Replacement Cost $447,000 $541,000 Hurricane, Other Windstorm or Hail Deductible Amount $22,350 $27,050 Primary Roof Covering Material Shingles: Fiberglass/Asphalt Metal Composition Year of Last Primary Roof Update/Replacement 1928 2019 32:700 FLEMING ST 1:ONE STORY MASONRY LIBRARY Coverages 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. PCS 01 14 Packet Pg. 3108 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 Item Prior Policy Information Amended Policy Information Building Coverage Most Recent Inflation Amt TRC Ext 2837000.00 N Building Coverage:Total Replacement Cost $2,343,000 $2,837,000 c� Hurricane, Other Windstorm or Hail Deductible Amount $117,150 $141,850 c� 33:20950 OVERSEAS HWY c� 1:ONE STORY MASONRY SHERIFF SUBSTATION/FIRE STATION LOC: Coverages Building Coverage Limit 331,000 401,000 Most Recent Inflation Amount Ext 331000.00 401000.00 Most Recent Inflation Amt TRC Ext 331000.00 401000.00 U) Building Coverage:Total Replacement Cost $331,000 $401,000 Hurricane, Other Windstorm or Hail Deductible Amount $16,550 $20,050 Roof Remaining Useful Life(Years) 5 35:5655 MACDONALD AVE cv c� 1:TWO STORY SWR Stock Island Fire Station Coverages Building Coverage Most Recent Inflation Amt TRC Ext 1919000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $1,585,000 $1,919,000 Hurricane, Other Windstorm or Hail Deductible Amount $79,250 $95,950 36: 1003 Peter Jay Street U) 1:One Story Aircraft Hangar Coverages Building Coverage Cj Most Recent Inflation Amt TRC Ext 1543000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $1,274,000 $1,543,000 f0 Hurricane, Other Windstorm or Hail Deductible Amount $63,700 $77,150 Roof Remaining Useful Life(Years) 1 0- 37: 10330 Overseas Hwy a 1:One Story Aircraft Hangar Coverages Building Coverage Most Recent Inflation Amt TRC Ext 2047000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $1,690,000 $2,047,000 Hurricane, Other Windstorm or Hail Deductible Amount $84,500 $102,350 Roof Remaining Useful Life(Years) 39 3: 10600 AVIATION BLVD 1:ONE STORY MASONRY COUNTY OFFICE Coverages Building Coverage Limit 280,000 339,000 Most Recent Inflation Amount Ext 280000.00 339000.00 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. PCS 01 14 Packet Pg. 3109 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 Item Prior Policy Information Amended Policy Information Most Recent Inflation Amt TRC Ext 280000.00 339000.00 Building Coverage:Total Replacement Cost $280,000 $339,000 Hurricane, Other Windstorm or Hail Deductible Amount $14,000 $16,950 c� Roof Remaining Useful Life(Years) 3 c� 2:ONE STORY MASONRY FLEET MAINTENANCE FACILITY Coverages Building Coverage First Loss No Yes Most Recent Inflation Amt TRC Ext 1161000.00 1406000.00 Building Coverage:Total Replacement Cost $1,161,000 $1,406,000 Hurricane, Other Windstorm or Hail Deductible Amount $47,300 $70,300 0 5:5200 COLLEGE ROAD U) 1:ONE STORY MASONRY HOMES FOR THE AGED Coverages Building Coverage C Most Recent Inflation Amt TRC Ext 1603000.00 N Building Coverage:Total Replacement Cost $1,324,000 $1,603,000 c� Hurricane, Other Windstorm or Hail Deductible Amount $66,200 $80,150 Year of Last Primary Roof Update/Replacement 1989 2017 7:5525 COLLEGE RD 1:THREE STORY WIND RESISTIVE SHERIFF'S ADMINISTRATION BLDG Coverages Building Coverage U) Most Recent Inflation Amt TRC Ext 6612000.00 Building Coverage:Total Replacement Cost $5,460,000 $6,612,000 Hurricane, Other Windstorm or Hail Deductible Amount $273,000 $330,600 Cj Year of Last Primary Roof Update/Replacement 1995 2017 Roof Remaining Useful Life(Years) 3 8: 10 CONCH AVE f0 1:TWO STORY WR FIRE STATION Coverages 0 Building Coverage a 0 Most Recent Inflation Amt TRC Ext 1435000.00 Building Coverage:Total Replacement Cost $1,185,000 $1,435,000 Hurricane, Other Windstorm or Hail Deductible Amount $59,250 $71,750 Year of Last Primary Roof Update/Replacement 1950 2013 Roof Remaining Useful Life(Years) 3 9:28 EMERALD DR 1:TWO STORY WIND RESISTIVE BIG COPPITT FIRE SAFETY FACILITY Coverages Building Coverage First Loss No Yes Most Recent Inflation Amt TRC Ext 1219000.00 1476000.00 Building Coverage:Total Replacement Cost $1,219,000 $1,476,000 Hurricane, Other Windstorm or Hail Deductible Amount $50,000 $73,800 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. PCS 01 14 Packet Pg. 3110 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 Item Prior Policy Information Amended Policy Information Roof Remaining Useful Life(Years) 31 2 CN CN CN CN CN E U) CN CN CN U) t3 0 U 0 0 0 E c5 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. PCS 01 14 Packet Pg. 3111 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS POLICY NUMBER: 00015845-9 POLICY PERIOD FROM 05/29/2022 TO 05/29/2023 at 12:01 a.m. Eastern Time Transaction: RENEWAL CNR-W Pay Plan: Citizens Full Pay Bill: Insured Billed Named Insured and Mailing Address Agent FI.Agent Lic.# MONROE COUNTY, FLORIDA JOLENE ALLEN P097874_1 Q ATTN: MARIA SLAVIK, RISK MANAGEMENT THE JOHNSON'S INSURANCE ADVISORS, C14 1100 SIMONTON ST LLC CN KEY WEST, FL 33040 13361 OVERSEAS HIGHWAY CN MARATHON, FL 33050 Telephone: 305-295-3177 Telephone: 305-289-0213 IN RETURN FOR THE PAYMENT OF THE PREMIUM,AND SUBJECT TO ALL THE TERMS OF THIS POLICY,WE AGREE WITH E YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. U) THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE FOR WHICH A PREMIUM IS INDICATED.THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENTS. CN CN PREMIUM Q CN L_ COMMERCIAL PROPERTY COVERAGE $894,392.00 Required Additional Charges: 2022 Florida Insurance Guaranty Association (FICA) Regular Assessment $6,261.00 Catastrophe Financing Surcharge $134,159.00 Tax-Exempt Surcharge $15,652.00 U) TOTAL: $1,050,464.00 U 0 U 0 0 0 See Form CDEC-FE-SCH—Commercial Policy Forms And Endorsements Schedule Countersigned: 05/05/2022 Authorized By: JOLENE ALLEN BY: Issued Date: 05/05/2022 Barry J. Gilway President/CEO and Executive Director Citizens Property Insurance Corporation CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 46 with its permission. Packet Pg. 3112 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 1 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0843 BUSINESS DESCRIPTION:Auditoriums and Halls ONE STORY MASONRY AARP BUILDING K/A DESCRIPTION OF PREMISES 1: 535 33RD ST cN MELVIN LOVITT SENIOR CITIZEN BUILDING Q Group I Construction Group II Construction Protection Class BCEGS Grade Location Address c14 535 33RD ST N/A Masonry N/A Ungraded Group I Territory Group II Territory Coastal Territory No.of Units MARATHON, FL 33050-2301 N/A 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 Replacement E Limit Of Causes Cost/BPP Actual L- Coverage Insurance Of Loss Cash Value Rates Premium First Loss U) Building(Bldg) $385,000 Wind $385,000 Class $6,940.00 No Business Personal Property(BPP) $31,100 Wind $31,100 Class $536.00 No Your coverage limits have been adjusted for inflation. N OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Q N Coverage Premium Replacement Cost Building Business Personal Property Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible U) Deductible Percentage(Deductible Amount) N Bldg: 5%($19,250) BPP: 5%($1,555) WINDSTORM MITIGATION FEATURES C Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR t) C 1926 N/A N/A Connection N/A C N/A Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design C N/A N/A Protective Devices N/A N/A ; None c� Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $7,476.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 2 of 46 with its permission. Packet Pg. 3113 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.2 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION: Offices-Non-Governmental ONE STORY SWR GOVERNMENT CENTER DESCRIPTION OF PREMISES 2: 490 63RD ST ANNEX c� Group I Construction Group II Construction Protection Class BCEGS Grade Location Address c14 490 63RD ST N/A Semi Wind Resistive N/A Ungraded Group I Territory Group II Territory Coastal Territory No.of Units MARATHON, FL 33050 N/A 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 Replacement E Limit Of Causes Cost/BPP Actual L_ Coverage Insurance Of Loss Cash Value Rates Premium First Loss U) Building(Bldg) $970,000 Wind $1,789,000 Class $15,771.00 Yes Business Personal Property(BPP) $30,000 Wind $30,000 Class $324.00 No OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below N Coverage Premium Replacement Cost N Building Business Personal Property Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) �y Bldg: 5%($89,450) BPP: 5%($1,500) U WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1937 N/A N/A Connection N/A t) N/A 0 Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. c� PREMIUM: $16,095.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 46 with its permission. Packet Pg. 3114 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Masonry N/A Ungraded C14 10600 AVIATION BLVD cN MARATHON, FL 33050-3058 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 cN Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual E Coverage Insurance Of Loss Cash Value Rates Premium First Loss L_ Building(Bldg) $339,000 Wind $339,000 Class $6,111.00 No U) Business Personal Property(BPP) $62,400 Wind $62,400 Class $1,076.00 No Your coverage limits have been adjusted for inflation. OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below N Coverage Premium Replacement Cost N L_ Building Business Personal Property Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) U) Bldg: 5%($16,950) BPP: 5%($3,120) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C C 1990 N/A N/A Connection N/A t) N/A C Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. c� PREMIUM: $7,187.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 4 of 46 with its permission. Packet Pg. 3115 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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. c14 c14 DESCRIPTION OF PREMISES 3: 10600 AVIATION BLVD ONE STORY MASONRY FLEET MAINTENANCE cv FACILITY Q c14 Group I Construction Group II Construction Protection Class BCEGS Grade Location Address N/A Masonry N/A Ungraded 10600 AVIATION BLVD Group I Territory Group II Territory Coastal Territory No.of Units MARATHON, FL 33050-3058 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. L- Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $946,000 Wind $1,406,000 Class $19,321.00 Yes CN Business Personal Property(BPP) $54,000 Wind $54,000 Class $931.00 No N 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 Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($70,300) U BPP: 5%($2,700) WINDSTORM MITIGATION FEATURES C t) Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR 0 C 1995 N/A N/A Connection N/A N/A C Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A None c� Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. < PREMIUM: $20,252.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 5 of 46 with its permission. Packet Pg. 3116 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.4 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION: Offices-Non-Governmental CONTENTS OF SHERIFF'S SUBSTATION IN A DESCRIPTION OF PREMISES 4: 6 COCO PLUM RD c14 TWO STORY MASONRY BLDG Q Group I Construction Group II Construction Protection Class BCEGS Grade Location Address c14 6 COCO PLUM DR N/A Masonry N/A Ungraded Group I Territory Group II Territory Coastal Territory No.of Units MARATHON, FL 33050-4013 N/A 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 E Limit Of Causes BPP Actual L_ Coverage Insurance Of Loss Cash Value Rates Premium First Loss U) Business Personal Property(BPP) $259,300 Wind $259,300 Class $4,472.00 No OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost N Building Business Personal Property N No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) BPP: 5%($12,965) WINDSTORM MITIGATION FEATURES L) Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 N/A N/A Connection N/A N/A C t) Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design C N/A N/A Protective Devices N/A N/A None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $4,472.00 c� CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 6 of 46 with its permission. Packet Pg. 3117 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 N Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Masonry N/A Ungraded C14 5200 COLLEGE RD cN KEY WEST, FL 33040-4302 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-86 1 cN Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss L- Building(Bldg) $968,000 Wind $1,603,000 Class $11,474.00 Yes U) Business Personal Property(BPP) $32,000 Wind $32,000 Class $201.00 No 9 OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below 3> Coverage Premium Replacement Cost N Building Business Personal Property CLN Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($80,150) BPP: 5%($1,600) WINDSTORM MITIGATION FEATURES tj Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1989 N/A N/A Connection N/A N/A to Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A a None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $11,675.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 7 of 46 with its permission. Packet Pg. 3118 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 CN BLDG OCCUPIED AS A JAIL AND OFFICE Q Group I Construction Group II Construction Protection Class BCEGS Grade Location Address c14 5501 COLLEGE RD N/A Wind Resistive N/A Ungraded Group I Territory Group II Territory Coastal Territory No.of Units STOCK ISLAND, FL 33040-4307 N/A N/A Monroe-86 1 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered E Limit Of Causes BPP Actual L- Coverage Insurance Of Loss Cash Value Rates Premium First Loss U) Business Personal Property(BPP) $1,000,000 Wind $1,000,000 Class $6,129.00 No OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost N Building Business Personal Property N No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) U) BPP: 5%($50,000) WINDSTORM MITIGATION FEATURES L) Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 N/A N/A Connection N/A N/A C t) Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design C N/A N/A Protective Devices N/A N/A None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $6,129.00 c� CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 8 of 46 with its permission. Packet Pg. 3119 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 c14 ADMINISTRATION BLDG Q Group I Construction Group II Construction Protection Class BCEGS Grade Location Address c14 5525 COLLEGE RD N/A Wind Resistive N/A Ungraded Group I Territory Group II Territory Coastal Territory No.of Units STOCK ISLAND, FL 33040-4307 N/A N/A Monroe-86 1 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement E Limit Of Causes Cost/BPP Actual L_ Coverage Insurance Of Loss Cash Value Rates Premium First Loss U) Building(Bldg) $500,000 Wind $6,612,000 Class $20,349.00 Yes Business Personal Property(BPP) $500,000 Wind $1,562,786 Class $6,611.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below N Coverage Premium Replacement Cost N Building Business Personal Property Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) �y Bldg: 5%($330,600) BPP: 5%($78,139) t) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 N/A N/A Connection N/A t) N/A 0 Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. c� PREMIUM: $26,960.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 9 of 46 with its permission. Packet Pg. 3120 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 cN Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Wind Resistive N/A Ungraded C14 10 S CONCH AVE cN CONCH KEY, FL 33050-6910 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 cN Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss L- Building(Bldg) $942,000 Wind $1,435,000 Class $8,709.00 Yes U) Business Personal Property(BPP) $58,000 Wind $58,000 Class $423.00 No OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost N Building Business Personal Property CLN Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($71,750) BPP: 5%($2,900) WINDSTORM MITIGATION FEATURES tj Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1950 N/A N/A Connection N/A N/A to Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A a None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $9,132.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 10 of 46 with its permission. Packet Pg. 3121 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 COPPITT c14 FIRE SAFETY FACILITY Q 1 Group I Construction Group II Construction Protection Class BCEGS Grade cv Location Address c14 28 EMERALD DR N/A Wind Resistive N/A 04 Group I Territory Group II Territory Coastal Territory No.of Units c14 KEY WEST, FL 33040-5636 N/A 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 E Limit Of Causes Total L- Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss U) Building(Bldg) $1,000,000 Wind $1,476,000 Class $8,475.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost N Building Business Personal Property N Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($73,800) �y WINDSTORM MITIGATION FEATURES L) Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 N/A N/A Connection N/A N/A C t) Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design C N/A N/A Protective Devices N/A N/A None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $8,475.00 c� CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 11 of 46 with its permission. Packet Pg. 3122 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 c14 GOVERNMENTAL CENTER Q Group I Construction Group II Construction Protection Class BCEGS Grade Location Address c14 50 HIGH POINT RD N/A Wind Resistive N/A Ungraded Group I Territory Group II Territory Coastal Territory No.of Units TAVERNIER, FL 33070-2022 N/A N/A Monroe-85 4 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement E Limit Of Causes Cost/BPP Actual L_ Coverage Insurance Of Loss Cash Value Rates Premium First Loss U) Building(Bldg) $850,000 Wind $4,788,000 Class $22,216.00 Yes Business Personal Property(BPP) $150,000 Wind $196,011 Class $1,131.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below N Coverage Premium Replacement Cost N Building Business Personal Property Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) �y Bldg: 5%($239,400) BPP: 5%($9,801) U WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1977 N/A N/A Connection N/A t) N/A 0 Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. c� PREMIUM: $23,347.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 12 of 46 with its permission. Packet Pg. 3123 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 11: 53 HIGHPOINT RD ONE STORY WIND RESISTIVE JAIL BLDG c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Wind Resistive N/A Ungraded C14 53 HIGH POINT RD cN TAVERNIER, FL 33070-2005 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 cN Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss L- Building(Bldg) $913,000 Wind $1,537,000 Class $9,161.00 Yes U) Business Personal Property(BPP) $87,000 Wind $87,000 Class $635.00 No OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost N Building Business Personal Property CLN Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($76,850) BPP: 5%($4,350) WINDSTORM MITIGATION FEATURES tj Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1990 N/A N/A Connection N/A N/A to Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A a None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $9,796.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 13 of 46 with its permission. Packet Pg. 3124 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Masonry N/A Ungraded C14 380 KEY DEER BLVD c14 BIG PINE KEY, FL 33043-4901 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 c14 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Limit Of Causes Total E Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss L- Building(Bldg) $438,000 Wind $438,000 Class $7,895.00 No U) Your coverage limits have been adjusted for inflation. A= OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below 3, Coverage Premium Replacement Cost N N Building Business Personal Property N Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($21,900) s� WINDSTORM MITIGATION FEATURES L) Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1982 N/A N/A Connection N/A N/A C U Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design 0 N/A N/A Protective Devices N/A N/A None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $7,895.00 c� CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 14 of 46 with its permission. Packet Pg. 3125 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 13 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1070 BUSINESS DESCRIPTION: Firehouses DESCRIPTION OF PREMISES 13: 151 MARINE AVE ONE STORY WIND RESISTIVE FIRE AND c14 AMBULANCE STATION Q 1 Group I Construction Group II Construction Protection Class BCEGS Grade cv Location Address c14 151 MARINE AVE N/A Wind Resistive N/A Ungraded Group I Territory Group II Territory Coastal Territory No.of Units c14 TAVERNIER, FL 33070-2620 N/A 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 Replacement E Limit Of Causes Cost/BPP Actual L- Coverage Insurance Of Loss Cash Value Rates Premium First Loss U) Building(Bldg) $888,000 Wind $1,566,000 Class $9,461.00 Yes Business Personal Property(BPP) $112,000 Wind $112,000 Class $817.00 No OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below N Coverage Premium Replacement Cost N Building Business Personal Property Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) �y Bldg: 5%($78,300) BPP: 5%($5,600) U WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1970 N/A N/A Connection N/A t) N/A 0 Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. c� PREMIUM: $10,278.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 15 of 46 with its permission. Packet Pg. 3126 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Wind Resistive N/A Ungraded C14 3981 OCEAN TER cN MARATHON, FL 33050-2300 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 cN Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss L- Building(Bldg) $908,079 Wind $1,469,000 Class $8,859.00 Yes U) Business Personal Property(BPP) $91,921 Wind $91,921 Class $671.00 No OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost N Building Business Personal Property CLN Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($73,450) BPP: 5%($4,596) WINDSTORM MITIGATION FEATURES tj Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1990 N/A N/A Connection N/A N/A to Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A a None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $9,530.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 16 of 46 with its permission. Packet Pg. 3127 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 c� Group I Construction Group II Construction Protection Class BCEGS Grade Location Address N/A Wind Resistive N/A Ungraded Q 2798 OVERSEAS HWY Group I Territory Group II Territory Coastal Territory No.of Units MARATHON, FL 33050-4277 N/A N/A Monroe-85 10 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement E Limit Of Causes Cost/BPP Actual L_ Coverage Insurance Of Loss Cash Value Rates Premium First Loss U) Building(Bldg) $800,000 Wind $4,028,000 Class $19,372.00 Yes Business Personal Property(BPP) $200,000 Wind $440,012 Class $2,314.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below N Coverage Premium Replacement Cost N Building Business Personal Property Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) �y Bldg: 5%($201,400) BPP: 5%($22,001) t) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1993 N/A N/A Connection N/A t) N/A 0 Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. c� PREMIUM: $21,686.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 17 of 46 with its permission. Packet Pg. 3128 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 Group I Construction Group II Construction Protection Class BCEGS Grade Location Address N/A Masonry N/A Ungraded Q 3103 OVERSEAS HWY Group I Territory Group II Territory Coastal Territory No.of Units MARATHON, FL 33050-2346 N/A N/A Monroe-85 3 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement E Limit Of Causes Cost/BPP Actual L_ Coverage Insurance Of Loss Cash Value Rates Premium First Loss U) Building(Bldg) $783,000 Wind $1,640,000 Class $21,594.00 Yes Business Personal Property(BPP) $217,000 Wind $217,000 Class $3,743.00 No OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below N Coverage Premium Replacement Cost N Building Business Personal Property Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) �y Bldg: 5%($82,000) BPP: 5%($10,850) t) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1973 N/A N/A Connection N/A t) N/A 0 Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. c� PREMIUM: $25,337.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 18 of 46 with its permission. Packet Pg. 3129 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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- c� COURTHOUSE BLDG Group I Construction Group II Construction Protection Class BCEGS Grade Location Address N/A Wind Resistive N/A Ungraded Q 3117 OVERSEAS HWY Group I Territory Group II Territory Coastal Territory No.of Units MARATHON, FL 33050-2346 N/A 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 Replacement E Limit Of Causes Cost/BPP Actual L_ Coverage Insurance Of Loss Cash Value Rates Premium First Loss U) Building(Bldg) $814,000 Wind $1,229,000 Class $7,526.00 Yes Business Personal Property(BPP) $186,000 Wind $186,000 Class $1,357.00 No OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below N Coverage Premium Replacement Cost N Building Business Personal Property Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) �y Bldg: 5%($61,450) BPP: 5%($9,300) U WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1976 N/A N/A Connection N/A t) N/A 0 Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. c� PREMIUM: $8,883.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 19 of 46 with its permission. Packet Pg. 3130 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Masonry N/A Ungraded C14 81830 OVERSEAS HWY c14 ISLAMORADA, FL 33036-3606 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 c14 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss L_ Building(Bldg) $570,000 Wind $1,209,000 Class $15,721.00 Yes U) Business Personal Property(BPP) $430,000 Wind $779,000 Class $9,930.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost N Building Business Personal Property CLN Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($60,450) BPP: 5%($38,950) WINDSTORM MITIGATION FEATURES tj Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1935 N/A N/A Connection N/A N/A to Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A a None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $25,651.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 20 of 46 with its permission. Packet Pg. 3131 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Masonry N/A Ungraded C14 3251 OVERSEAS HWY c14 MARATHON, FL 33050-2344 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 c14 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss L_ Building(Bldg) $619,000 Wind $1,332,000 Class $17,697.00 Yes U) Business Personal Property(BPP) $381,000 Wind $842,000 Class $10,422.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost N Building Business Personal Property CLN Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($66,600) BPP: 5%($42,100) WINDSTORM MITIGATION FEATURES tj Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1984 N/A N/A Connection N/A N/A to Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A a None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $28,119.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 21 of 46 with its permission. Packet Pg. 3132 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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: 8000 Overseas Hwy TWO STORY SWR AIRPORT TERMINAL c14 Group I Construction Group II Construction Protection Class BCEGS Grade cN Location Address N/A Semi Wind Resistive N/A Ungraded c°N 8000 Overseas Hwy cN MARATHON, FL 33050-3303 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 cN Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss L- Building(Bldg) $900,000 Wind $5,887,000 Class $37,983.00 Yes U) Business Personal Property(BPP) $100,000 Wind $100,000 Class $1,079.00 No OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost N Building Business Personal Property CLN Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($294,350) BPP: 5%($5,000) WINDSTORM MITIGATION FEATURES tj Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 N/A N/A Connection N/A N/A to Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A a None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $39,062.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 22 of 46 with its permission. Packet Pg. 3133 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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: 8000 Overseas Hwy AIRCRAFT HANGER c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Masonry N/A Ungraded C14 8000 Overseas Hwy cN MARATHON, FL 33050-3303 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 cN Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Limit Of Causes Total E Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss L- Building(Bldg) $633,000 Wind $633,000 Class $11,410.00 No U) Your coverage limits have been adjusted for inflation. A= OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below 3, Coverage Premium Replacement Cost N N Building Business Personal Property N Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($31,650) s) WINDSTORM MITIGATION FEATURES L) Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2002 N/A N/A Connection N/A N/A C U Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design 0 N/A N/A Protective Devices N/A N/A None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $11,410.00 c� CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 23 of 46 with its permission. Packet Pg. 3134 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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: 8000 Overseas Hwy AIRCRAFT HANGER c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Masonry N/A Ungraded C14 8000 Overseas Hwy cN MARATHON, FL 33050-3303 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 cN Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Limit Of Causes Total E Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss L- Building(Bldg) $633,000 Wind $633,000 Class $11,410.00 No U) Your coverage limits have been adjusted for inflation. A= OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below 3, Coverage Premium Replacement Cost N N Building Business Personal Property N Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($31,650) s) WINDSTORM MITIGATION FEATURES L) Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2002 N/A N/A Connection N/A N/A C U Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design 0 N/A N/A Protective Devices N/A N/A None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $11,410.00 c� CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 24 of 46 with its permission. Packet Pg. 3135 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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: 8000 Overseas Hwy AIRCRAFT HANGER c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Masonry N/A Ungraded C14 8000 Overseas Hwy cN MARATHON, FL 33050-3303 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 cN Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Limit Of Causes Total E Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss L- Building(Bldg) $633,000 Wind $633,000 Class $11,410.00 No U) Your coverage limits have been adjusted for inflation. A= OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below 3, Coverage Premium Replacement Cost N N Building Business Personal Property N Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($31,650) s) WINDSTORM MITIGATION FEATURES L) Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2002 N/A N/A Connection N/A N/A C U Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design 0 N/A N/A Protective Devices N/A N/A None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $11,410.00 c� CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 25 of 46 with its permission. Packet Pg. 3136 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.20 BUILDING OR SPECIAL CLASS ITEM NO.5 CSP Code: 0933 BUSINESS DESCRIPTION:Airports-Hangars with repairing or servicing DESCRIPTION OF PREMISES 20: 8000 Overseas Hwy T-4 Hangar c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Masonry N/A 03 C14 8000 Overseas Hwy cN MARATHON, FL 33050-3303 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 cN Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Limit Of Causes Total E Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss L- Building(Bldg) $977,000 Wind $977,000 Class $15,851.00 No U) Your coverage limits have been adjusted for inflation. A= OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below 3, Coverage Premium Replacement Cost N N Building Business Personal Property N Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($48,850) s) WINDSTORM MITIGATION FEATURES L) Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2002 N/A N/A Connection N/A N/A C U Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design 0 N/A N/A Protective Devices N/A N/A None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $15,851.00 c� CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 26 of 46 with its permission. Packet Pg. 3137 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Masonry N/A Ungraded C14 10100 OVERSEAS HWY c14 MARATHON, FL 33050-3340 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 c14 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss L- Building(Bldg) $950,000 Wind $1,873,000 Class $25,311.00 Yes U) Business Personal Property(BPP) $50,000 Wind $50,000 Class $862.00 No OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost N Building Business Personal Property CLN Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($93,650) BPP: 5%($2,500) WINDSTORM MITIGATION FEATURES tj Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2002 N/A N/A Connection N/A N/A to Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A a None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $26,173.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 27 of 46 with its permission. Packet Pg. 3138 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Masonry N/A Ungraded C14 10100 OVERSEAS HWY c14 MARATHON, FL 33050-3340 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 c14 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual E Coverage Insurance Of Loss Cash Value Rates Premium First Loss L- Building(Bldg) $470,000 Wind $470,000 Class $8,472.00 No U) Business Personal Property(BPP) $26,426 Wind $26,426 Class $456.00 No Your coverage limits have been adjusted for inflation. OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below N Coverage Premium Replacement Cost N L- Building Business Personal Property Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) �y Bldg: 5%($23,500) BPP: 5%($1,321) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C C 2003 N/A N/A Connection N/A t) N/A C Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. c� PREMIUM: $8,928.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 28 of 46 with its permission. Packet Pg. 3139 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.22 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION: Offices-Non-Governmental DESCRIPTION OF PREMISES 22: 88220 OVERSEAS HWY TWO STORY 4 UNIT WR COUNTY OFFICE c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Wind Resistive N/A Ungraded C14 88220 OVERSEAS HWY c14 PLANTATION KEY, FL 33036 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 4 c14 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss L_ Building(Bldg) $955,000 Wind $3,694,000 Class $19,377.00 Yes U) Business Personal Property(BPP) $45,000 Wind $45,000 Class $328.00 No OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost N Building Business Personal Property CLN Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($184,700) BPP: 5%($2,250) WINDSTORM MITIGATION FEATURES tj Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1977 N/A N/A Connection N/A N/A to Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A a None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $19,705.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 29 of 46 with its permission. Packet Pg. 3140 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 cN Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Semi Wind Resistive N/A Ungraded C14 101485 OVERSEAS HWY c14 KEY LARGO, FL 33037-4553 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 c14 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss L- Building(Bldg) $500,000 Wind $2,496,000 Class $17,902.00 Yes U) Business Personal Property(BPP) $500,000 Wind $805,340 Class $6,612.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost N Building Business Personal Property CLN Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($124,800) BPP: 5%($40,267) WINDSTORM MITIGATION FEATURES tj Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1989 N/A N/A Connection N/A N/A to Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A a None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $24,514.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 30 of 46 with its permission. Packet Pg. 3141 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.24 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION: Offices-Non-Governmental DESCRIPTION OF PREMISES 24: 1100 SIMONTON ST TWO STORY 8 UNIT WR OFFICE BLDG c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Wind Resistive N/A Ungraded C14 1100 SIMONTON ST cN KEY WEST, FL 33040-3110 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-86 8 cN Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss L_ Building(Bldg) $1,000,000 Wind $7,645,000 Class $26,573.00 Yes U) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property N Yes N DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($382,250) U) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR U C 1916 N/A N/A Connection N/A N/A C Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design t) N/A N/A Protective Devices N/A N/A C None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $26,573.00 c� CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 31 of 46 with its permission. Packet Pg. 3142 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.25 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0567 BUSINESS DESCRIPTION:Airports-Passenger terminals ONE STORY 3 UNIT SWR BUS TERMINAL/ DESCRIPTION OF PREMISES 25: 3491 ROOSEVELT BLVD S N AIRPORT TERMINAL BLVD Q I Group I Construction Group II Construction Protection Class BCEGS Grade cv Location Address CN N/A Semi Wind Resistive N/A 06 Q 3491 S ROOSEVELT BLVD Group I Territory Group II Territory Coastal Territory No.of Units cN KEY WEST, FL 33040-5295 N/A N/A Monroe-86 3 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered E Limit Of Causes Total L- Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss U) Building(Bldg) $1,000,000 Wind $1,824,000 Class $13,277.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost N Building Business Personal Property N Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($91,200) U) WINDSTORM MITIGATION FEATURES L) Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1998 N/A N/A Connection N/A N/A C t) Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design C N/A N/A Protective Devices N/A N/A None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $13,277.00 c) CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 32 of 46 with its permission. Packet Pg. 3143 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Wind Resistive N/A Ungraded C14 KEY3491 S WEST FL 3 04 BLV-529 Group I Territory Group II Territory Coastal Territory No.of Units Q KEY WEST, FL 33040-5295 N/A N/A Monroe-86 1 c14 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss L- Building(Bldg) $1,000,000 Wind $7,486,000 Class $26,573.00 Yes U) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property N Yes N DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($374,300) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR U C 1957 N/A N/A Connection N/A N/A C Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design t) N/A N/A Protective Devices N/A N/A C None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $26,573.00 c� CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 33 of 46 with its permission. Packet Pg. 3144 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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. c14 c14 DESCRIPTION OF PREMISES 26: 3583 S ROOSEVELT BLVD ONE STORY MASONRY COUNTY GARAGE BLVD cv c14 Group I Construction Group II Construction Protection Class BCEGS Grade Location Address N/A Masonry N/A Ungraded 3583 S ROOSEVELT BLVD Group I Territory Group II Territory Coastal Territory No.of Units KEY WEST, FL 33040-5209 N/A N/A Monroe-86 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement L- Limit Of Causes Cost/BPP Actual U) Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $453,000 Wind $453,000 Class $7,346.00 No Business Personal Property(BPP) $237,000 Wind $237,000 Class $3,523.00 No cv Your coverage limits have been adjusted for inflation. N 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 Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($22,650) BPP: 5%($11,850) WINDSTORM MITIGATION FEATURES C t) Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C C 1984 N/A N/A Connection N/A N/A C Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design ; N/A N/A Protective Devices N/A N/A None c� Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $10,869.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Paffl with its permission. Packet Pg. 3145 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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: 1200 Truman Ave TWO STORY 5 UNIT WR OFFICE BUILDING c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Wind Resistive N/A Ungraded C14 1200 TRUMAN AVE cN KEY WEST, FL 33040-7270 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-86 5 cN Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss L_ Building(Bldg) $692,000 Wind $5,850,000 Class $20,785.00 Yes U) Business Personal Property(BPP) $308,000 Wind $1,021,000 Class $4,276.00 Yes 9 OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below 3> Coverage Premium Replacement Cost N Building Business Personal Property CLN Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($292,500) BPP: 5%($51,050) WINDSTORM MITIGATION FEATURES tj Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1914 N/A N/A Connection N/A N/A to Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A a None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $25,061.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 35 of 46 with its permission. Packet Pg. 3146 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 c� Group I Construction Group II Construction Protection Class BCEGS Grade Location Address c14 500 WHITEHEAD ST N/A Masonry N/A Ungraded Group I Territory Group II Territory Coastal Territory No.of Units cN KEY WEST, FL 33040-6581 N/A N/A Monroe-86 13 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement E Limit Of Causes Cost/BPP Actual L_ Coverage Insurance Of Loss Cash Value Rates Premium First Loss U) Building(Bldg) $500,000 Wind $7,789,000 Class $61,109.00 Yes Business Personal Property(BPP) $500,000 Wind $950,000 Class $10,616.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below N Coverage Premium Replacement Cost N Building Business Personal Property Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) U) Bldg: 5%($389,450) BPP: 5%($47,500) t) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1980 N/A N/A Connection N/A t) N/A 0 Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. c� PREMIUM: $71,725.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 36 of 46 with its permission. Packet Pg. 3147 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 c� Group I Construction Group II Construction Protection Class BCEGS Grade Location Address c14 510 WHITEHEAD ST N/A Masonry N/A Ungraded Group I Territory Group II Territory Coastal Territory No.of Units cN KEY WEST, FL 33040-6547 N/A N/A Monroe-86 1 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement E Limit Of Causes Cost/BPP Actual L_ Coverage Insurance Of Loss Cash Value Rates Premium First Loss U) Building(Bldg) $800,000 Wind $10,834,000 Class $78,973.00 Yes Business Personal Property(BPP) $200,000 Wind $375,000 Class $4,109.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below N Coverage Premium Replacement Cost N Building Business Personal Property Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) U) Bldg: 5%($541,700) BPP: 5%($18,750) t) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 N/A N/A Connection N/A t) N/A 0 Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. c� PREMIUM: $83,082.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 37 of 46 with its permission. Packet Pg. 3148 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 RESISTIVE JUSTICE BLDG c� Group I Construction Group II Construction Protection Class BCEGS Grade Location Address c14 530 WHITEHEAD ST N/A Wind Resistive N/A Ungraded Group I Territory Group II Territory Coastal Territory No.of Units cN KEY WEST, FL 33040-6547 N/A N/A Monroe-86 4 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement E Limit Of Causes Cost/BPP Actual L_ Coverage Insurance Of Loss Cash Value Rates Premium First Loss U) Building(Bldg) $800,000 Wind $7,019,000 Class $24,029.00 Yes Business Personal Property(BPP) $200,000 Wind $895,371 Class $3,489.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below N Coverage Premium Replacement Cost N Building Business Personal Property Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) U) Bldg: 5%($350,950) BPP: 5%($44,769) t) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 N/A N/A Connection N/A t) N/A 0 Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. c� PREMIUM: $27,518.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 38 of 46 with its permission. Packet Pg. 3149 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Frame N/A Ungraded C14 938 WHITEHEAD ST cN KEY WEST, FL 33040-7423 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-86 1 cN Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual E Coverage Insurance Of Loss Cash Value Rates Premium First Loss L- Building(Bldg) $541,000 Wind $541,000 Class $10,977.00 No U) Business Personal Property(BPP) $45,300 Wind $45,300 Class $843.00 No 9 Your coverage limits have been adjusted for inflation. 3: OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below N Coverage Premium Replacement Cost N L- Building Business Personal Property Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) U) Bldg: 5%($27,050) BPP: 5%($2,265) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C C 1928 N/A N/A Connection N/A t) N/A C Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. c� PREMIUM: $11,820.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 39 of 46 with its permission. Packet Pg. 3150 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 cN Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Masonry N/A Ungraded C14 700 FLEMING ST c14 KEY WEST, FL 33040-6828 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-86 1 c14 Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss L- Building(Bldg) $400,000 Wind $2,837,000 Class $25,786.00 Yes U) Business Personal Property(BPP) $600,000 Wind $1,900,000 Class $19,240.00 Yes 9 OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below 3> Coverage Premium Replacement Cost N Building Business Personal Property CLN Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($141,850) BPP: 5%($95,000) WINDSTORM MITIGATION FEATURES tj Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1959 N/A N/A Connection N/A N/A to Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A a None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $45,026.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 40 of 46 with its permission. Packet Pg. 3151 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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: Q 1 Group I Construction Group II Construction Protection Class BCEGS Grade cv Location Address N/A Masonry N/A Ungraded Q 20950 OVERSEAS HWY Group I Territory Group II Territory Coastal Territory No.of Units c14 CUDJOE KEY, FL 33042-4000 N/A 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 Limit Of Causes Total L- Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss U) Building(Bldg) $401,000 Wind $401,000 Class $7,228.00 No Your coverage limits have been adjusted for inflation. _ OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below N N Coverage Premium Replacement Cost Q Building Business Personal Property Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($20,050) U WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1989 N/A N/A Connection N/A C U N/A C Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design N/A N/A Protective Devices N/A N/A C None Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. c� PREMIUM: $7,228.00 CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 41 of 46 with its permission. Packet Pg. 3152 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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 c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Masonry N/A Ungraded C14 2796 OVERSEAS HWY cN MARATHON, FL 33050-2200 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 5 cN 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 Rates Premium First Loss L- Business Personal Property(BPP) $1,000,000 Wind $2,200,000 Class $27,354.00 Yes U) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property N No N DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) BPP: 5%($110,000) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR U C 1991 N/A N/A Connection N/A N/A C Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design t) N/A N/A Protective Devices N/A N/A C None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $27,354.00 c� CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 42 of 46 with its permission. Packet Pg. 3153 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 35 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1070 BUSINESS DESCRIPTION: Firehouses DESCRIPTION OF PREMISES 35: 5655 MACDONALD AVE TWO STORY SWR Stock Island Fire Station c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Semi Wind Resistive N/A 03 C14 5655 MACDONALD AVE c14 STOCK ISLAND, FL 33040-5905 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 N Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss L- Building(Bldg) $1,000,000 Wind $1,919,000 Class $15,120.00 Yes U) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property N Yes N DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($95,950) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR U C 2014 N/A N/A Connection N/A N/A C Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design t) N/A N/A Protective Devices N/A N/A C None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $15,120.00 c� CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 43 of 46 with its permission. Packet Pg. 3154 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 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: 1003 Peter Jay Street One Story Aircraft Hangar c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address N/A Masonry N/A Ungraded C14 1003 Peter Jay Street cN MARATHON, FL 33050-3396 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 cN Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss L- Building(Bldg) $1,000,000 Wind $1,543,000 Class $21,505.00 Yes U) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property N Yes N DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($77,150) U) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR U C 1990 N/A N/A Connection N/A N/A C Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design t) N/A N/A Protective Devices N/A N/A C None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $21,505.00 c� CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 44 of 46 with its permission. Packet Pg. 3155 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 37 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0940 BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing DESCRIPTION OF PREMISES 37: 10330 Overseas Hwy One Story Aircraft Hangar c14 Group I Construction Group II Construction Protection Class BCEGS Grade c� Location Address I 10330 Overseas Hwy N/A Masonry N/A 03 N Marathon, FL 33050 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 N Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance COVERAGES PROVIDED Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss L- Building(Bldg) $1,000,000 Wind $2,047,000 Class $24,823.00 Yes U) OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property N Yes N DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($102,350) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR U C 2017 N/A N/A Connection N/A N/A C Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design t) N/A N/A Protective Devices N/A N/A C None C Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule. PREMIUM: $24,823.00 c� CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 45 of 46 with its permission. Packet Pg. 3156 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845-9 Effective Date: 05/29/2022 to 05/29/2023 Insured Name: MONROE COUNTY, FLORIDA FLOOD COVERAGE IS NOT PROVIDED BY THIS POLICY. N WINDSTORM OR HAIL DEDUCTIBLES ARE CALCULATED N ON TOTAL REPLACEMENT COST OR ACTUAL N 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. CN CN INFORMATION ABOUT YOUR POLICY MAY BE MADE AVAILABLE TO INSURANCE COMPANIES AND/OR AGENTS TO ASSIST c0 THEM IN FINDING OTHER AVAILABLE INSURANCE MARKETS. PLEASE CONTACT YOUR AGENT IF YOU HAVE QUESTIONS ABOUT YOUR POLICY. IF YOU ARE UNABLE TO CONTACT YOUR AGENT,YOU MAY REACH CITIZENS AT(800)537-7335. U) t� 0 L) 0 0 0 c� CDEC1 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 46 of 46 with its permission. Packet Pg. 3157 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-9 POLICY PERIOD FROM 05/29/2022 TO 05/29/2023 at 12:01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA c14 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 N N ALL ALL IL P 001 01 04 U.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN ASSETS CONTROL("OFAC") ADVISORY NOTICE TO POLICYHOLDERS ALL ALL CIT W02 55 0219 FLORIDA CHANGES-CANCELLATION AND NONRENEWAL ALL ALL CIT W10 10 0222 CAUSES OF LOSS-WINDSTORM OR HAIL FORM ALL ALL CIT 01 75 0220 FLORIDA CHANGES-LEGAL ACTION AGAINST US CN ALL ALL CIT 03 21 0114 WINDSTORM OR HAIL PERCENTAGE cN DEDUCTIBLE cN L_ ALL ALL CP 01 40 0706 EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA 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 IL 00 17 1198 COMMON POLICY CONDITIONS ALL ALL CID 00 90 0788 COMMERCIAL PROPERTY CONDITIONS L) 1 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 0 1 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY t) COVERAGE FORM 0 1 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 0 2 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 2 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY E COVERAGE FORM c� 2 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 2 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 3 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 3 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM Issued Date: 05/05/2022 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. 3158 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-9 POLICY PERIOD FROM 05/29/2022 TO 05/29/2023 at 12:01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA N N Location No. Building No. Form No. Edition Date Description N N 3 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES Q 3 2 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 4 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 4 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 4 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES U) 5 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 5 ALL CID00 10 0607 BUILDING AND PERSONAL PROPERTY N COVERAGE FORM N 5 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 5 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 6 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 6 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 6 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 7 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND L) PERSONAL PROPERTY 7 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM t3) 7 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 0 7 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 0 8 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 8 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM c� 8 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 8 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 9 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 9 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM Issued Date: 05/05/2022 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. 3159 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-9 POLICY PERIOD FROM 05/29/2022 TO 05/29/2023 at 12:01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA N N Location No. Building No. Form No. Edition Date Description N N 9 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES Q CN 9 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 10 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 10 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 10 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES U) 10 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 11 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY CN 11 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY cN COVERAGE FORM 11 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 11 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 12 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 12 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 12 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES L) 13 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 0 13 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY L) COVERAGE FORM 0 13 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 0 13 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 4i 14 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 14 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 14 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 14 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 15 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY Issued Date: 05/05/2022 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. 3160 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-9 POLICY PERIOD FROM 05/29/2022 TO 05/29/2023 at 12:01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA N N Location No. Building No. Form No. Edition Date Description N N 15 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY Q COVERAGE FORM 15 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 15 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 16 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 16 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY U) COVERAGE FORM 16 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 16 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS cc"4, 17 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND cN PERSONAL PROPERTY 17 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 17 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 17 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 18 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 18 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY L) COVERAGE FORM 18 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 0 18 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS L) 0 19 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND 0 PERSONAL PROPERTY a 0 19 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 19 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 19 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 20 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 20 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 20 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 20 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS Issued Date: 05/05/2022 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. 3161 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-9 POLICY PERIOD FROM 05/29/2022 TO 05/29/2023 at 12:01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA N N Location No. Building No. Form No. Edition Date Description N N 21 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND Q PERSONAL PROPERTY 21 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 21 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 21 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS L- 0 22 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND U) PERSONAL PROPERTY 22 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM CN 22 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES cN L- 22 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 23 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 23 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 23 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 23 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 24 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND L) PERSONAL PROPERTY 24 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM t3) 24 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 0 24 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 0 25 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 25 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM c� 25 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 25 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 25 2 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 26 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY Issued Date: 05/05/2022 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. 3162 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-9 POLICY PERIOD FROM 05/29/2022 TO 05/29/2023 at 12:01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA N N Location No. Building No. Form No. Edition Date Description N N 26 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY Q COVERAGE FORM 26 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 27 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 27 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY L- COVERAGE FORM U) 27 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 27 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 28 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND CN PERSONAL PROPERTY cN L- 28 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 28 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 28 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 29 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 29 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 29 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 29 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 0 30 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND L) PERSONAL PROPERTY 0 30 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY 0 COVERAGE FORM 30 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 30 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 31 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 31 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 31 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 32 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY Issued Date: 05/05/2022 First Named Insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 6 of 7 with its permission. Packet Pg. 3163 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-9 POLICY PERIOD FROM 05/29/2022 TO 05/29/2023 at 12:01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA N N Location No. Building No. Form No. Edition Date Description N N 32 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY Q COVERAGE FORM 32 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 32 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 33 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 33 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY U) COVERAGE FORM 33 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 34 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND CN PERSONAL PROPERTY cN L- 34 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 34 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 34 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 35 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 35 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 35 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 35 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 0 36 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND L) PERSONAL PROPERTY 0 36 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY 0 COVERAGE FORM 36 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 36 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 37 ALL CIT CNRW 00 03 0222 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 37 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 37 ALL CIT CNRW 01 25 0222 FLORIDA CHANGES 37 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS Issued Date: 05/05/2022 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. 3164 P.6.a CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY POLICY INTEREST SCHEDULE POLICY NUMBER 00015845-9 POLICY PERIOD FROM 05/29/2022 TO 05/29/2023 at 12:01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA N N Location No. Building No. Interest Type Name and Mailing Address N N No Additional Interests. N U) N N N t� t3 E c� Issued Date: 05/05/2022 First Named Insured Copy CDEC-PI-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 1 with its permission. Packet Pg. 3165 P.6.a J,M,,�1"..,.,�n��Al,l""�"W"C��I NOTICE OF PRIVACY POLICY WHAT DOES CITIZENS PROPERTY INSURANCE CORPORATION DO ® WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you N have with us. This information can include: N N - Social Security number N - Information you provide on your application for insurance coverage such as your N name, address, telephone number, date of birth, and occupation - Information gathered from you as our insured —your payment history, type of coverage you have, underwriting information and claims information - Credit card or bank account information E - Mortgage information L- - Information from your visits to www.citizensfia.com U) When you are no longer our customer, your information will be retained in accordance with 9 Citizens' records retention schedule. While your information is retained, it may continue to be shared as described in this notice. N N All financial companies need to share customers' personal information to run their everyday cLN business. Citizens uses your personal information only as authorized or required by law and as necessary to provide our products and services to you. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Citizens chooses to share; and whether you can limit this sharing. For our everyday business purposes—We share with Yes No nonaffiliates to assist us to process your transactions, underwrite and/or rate your policy, service your policy, administer claims, comply with authorized depopulation U programs, respond to court orders and legal 0 investigations, and when permitted by federal or state law. For our marketing purposes—to offer our products and No We don't share. .. services to you For joint marketing with other financial companies No We don't share. U CU For our affiliates' everyday business purposes— No We don't share. information about your transactions and experiences For our affiliates' everyday business purposes— No We don't share. information about your creditworthiness For nonaffiliates to market to you No We don't share. - Call 866.411.2742; Deaf/Hard of Hearing: 800.955.8771 (TTY)or 800.955.8770 (Voice); or go to www.citizensfia.com 1 PNCL-7 02 22 Packet Pg. 3166 P.6.a • • How does Citizens protect my To protect your personal information from unauthorized access and use, we personal information? use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Our employees and vendors are authorized to access information only for valid business reasons. They must agree in writing to maintain the confidentiality of nonpublic personal information. We do not share medical information unless authorized by you or as required by law. How does Citizens collect my We collect your personal information, for example, when: N personal information? - You apply for insurance - We process your application N - You pay insurance premiums N - You give us your contact information - You give information to your agent or property inspector - You file an insurance claim (or if a claim is made against you) - You show us your government-issued ID or driver's license - You visit Citizens' website if you voluntarily provide the information We also collect information, such as your loss history, from other U) companies. 9 Why can't I limit all sharing? Federal law gives you the right to limit only: N - Sharing for affiliates' everyday business purposes- a information about your creditworthiness - Affiliates from using your information to market to you - Sharing for nonaffiliates to market to you State law and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. Affiliates These are companies related by common ownership or control. They can be financial and nonfinancial companies: t3 Citizens has no affiliates. Nonaffiliates Companies not related by common ownership or control. They can be U financial or nonfinancial company. Nonaffiliates we share with can include: 0 - Independent insurance agents and agencies - Independent adjusters or claims representatives - Inspection companies - Auditors - Insurance support organizations - Attorneys, courts and government agencies Joint marketing This is a formal agreement between nonaffiliated financial companies that together market financial products or services to you. Citizens does not jointly market State law: The Florida public records law requires that all information received by a state entity be made available to anyone upon request, including e-mail addresses, unless the information is subject to a specific statutory exemption. 2 PNCL-7 02 22 Packet Pg. 3167 P.6.a Introduction Section 119.071(5), Florida Statutes, governs the collection of Social Security numbers by certain government entities, including Citizens. Citizens collects Social Security numbers only in cases where it is specifically authorized to do so or when it is imperative for performance of Citizens' duties. To protect your identity, Citizens secures your Social Security number from unauthorized access and strictly prohibits the release of your Social Security number to unauthorized parties contrary to state or federal law. How are Social Security Social Security numbers are collected from prospective policyholders during N numbers used to underwrite the underwriting process for the following purposes: N N and service my policy? - Obtaining loss history reports for underwriting purposes N - Implementing the enhanced Property Insurance Clearinghouse N application authorized by paragraph 627.3518(3)(e), Florida Statutes - Reporting unclaimed property to state government agencies - Processing insurance claims E - Ensuring compliance with US Department of Treasury Office of L- Foreign Asset Control requirements cN ® cN cN The table below summarizes the purposes for which Citizens collects Social Security numbers and the laws and regulations under which collection is authorized or required. It also identifies whether collection is authorized by statute or mandatory for the performance of that agency's duties and responsibilities as prescribed by law. , . . ® .. Obtaining Loss History 627.351(6)(n), Florida Statutes ✓ Cj Reports Implementing the enhanced clearinghouse application 627.3518(3)(e), Florida Statutes ✓ t 0 Reporting unclaimed 0- property Chapter 717, Florida Statutes ✓ a Processing insurance 627.351 6 k ✓ claims ( )( ) Office of Foreign Asset Control requirements 31 CFR 501 et seq ✓ 3 PNCL-7 02 22 Packet Pg. 3168 P.6.a Table of Contents — Building and Personal Property COMMERCIAL PROPERTY COVERAGE Florida Changes................CIT CNRW 0125 02 22 (Or if a Mobile Home then:Florida Commercial Building and Personal Property......CP 00 10 06 07 Mobile Home.....................CIT MH 05 0102 22) A. Coverage...........................................................I Policy Changes.......................................................I Covered Property................................................I Additional Coverage Changes................................I Property Not Covered.........................................2 Coverage Extension Changes.................................2 Covered Causes Of Loss.....................................2 Limits Of Insurance Changes.................................3 Additional Coverages.........................................2 Deductible Changes...............................................3 Coverage Extensions..........................................5 Loss Condition Changes........................................3 B.Exclusions And Limitations..............................7 Additional Condition Changes...............................9 C.Limits Of Insurance...........................................7 Optional Coverages Changes.................................9 Q D.Deductible.........................................................7 Definition Changes................................................9 E.Loss Conditions.................................................8 (CIT MH 05 0102 22).......10 Q Abandonment....................................................8 Common Policy Condition Changes....................10 � Appraisal...........................................................8 Commercial Property Condition Changes. ........10 Duties In The Event Of Loss Or Damage.........8 (CIT MH 05 0102 22).......11 LossPayment....................................................8 Other Changes ..........................................I I Recovered Property...........................................9 Common Policy Conditions..............IL 00 17 1198 E Vacancy............................................................9 A. Cancellation......................................................1 Valuation.........................................................10 B. Changes.............................................................I U) F.Additional Conditions......................................10 C.Examination Of Your Books And Records.......I E Coinsurance.....................................................10 D.Inspections And Surveys...................................1 _ Mortgageholders..............................................II E.Premiums...........................................................1 cv G. Optional Coverages.........................................I I F.Transfer Of Your Rights And Duties c14 Agreed Value...................................................12 Under This Policy........................................I CL4 Inflation Guard.................................................12 Florida Changes—Legal Action Replacement Cost............................................12 Against Us..................................CIT 0175 02 20 Extension Of Replacement Cost To Exclusion Of Certain Computer— Personal Property Of Others..........................13 Related Losses...............................IL 09 35 07 02 H.Definitions.......................................................13 Exclusion Of Loss Due To Virus Or Bacteria...................................IL 0140 07 06 Causes of Loss—Windstorm Or Florida Changes—Cancellation and C Hail Form...........................CIT W10 10 02 22 Nonrenewal............................CIT W02 55 02 19 N A. Covered Causes Of Loss...................................I Citizens Changes-Property ] B.Exclusions.........................................................I Not Covered..........................CIT W14 20 02 14 C.Additional Coverage.........................................4 Windstorm Or Hail Percentage D.Definitions.........................................................4 Deductible...........................CIT 03 21 01 14 0 U.S.Treasury Department's Office Of Foreign U Assets Control("OFAC")Advisory 0- MANDATORY ENDORSEMENTS Notice To Policyholders............IL P 001 01 04 0 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........l Windstorm Or Hail Protective D.Legal Action Against Us...................................I Devices...............................................CP 12 09 09 95 E.Liberalization.....................................................I Loss Payable Provisions...................CP 12 18 06 07 d F.No Benefit To Bailee.........................................I Additional Insured- G. Other Insurance.................................................I Building Owner...........................CP 12 19 06 07 H.Policy Period,Coverage Territory....................I Leased Property................................CP 14 60 07 88 L Transfer Of Rights Of Recovery Against Coverages Written On A First Others To Us................................................2 Loss Basis............................CIT 04 14 08 21 CIT CNRW 00 03 02 22 Page 1 of 1 Packet Pg. 3169 P.6.a COMMERCIAL PROPERTY CIT W10 10 02 22 CAUSES OF LOSS - WINDSTORM OR HAIL FORM A. Covered Causes Of Loss (3) The requirements of which result in a When Wind is shown in the Covered Causes Of Loss loss in value to property; section of the Declarations, Covered Causes of Loss (4) Requiring you or others to test for, means the following: monitor, clean up, remove, contain, 1. Windstorm or Hail, but not including: treat, detoxify or neutralize, or in any way respond to, or assess the effects of , a. Frost or cold weather; pollutants; or N b. Ice (other than hail), snow or sleet, whether (5) The requirements of which apply to driven by wind or not; other structures unless specifically Q c. Accumulation, freezing, thawing, pressure provided under this policy. N 76 or weight of hail, ice, snow, sleet, rain, b. Earth Movement And Settlement water or any other form of precipitation; e to the interior of an (1) Earthquake and settlement, including d. Loss or damage y any earth sinking, rising or shifting, land building or structure, or the property inside or air shock, waves or tremors and the building or structure, caused by rain, aftershocks, related to such event; L_ snow, sleet, sand, dust or by falling objects, U) whether driven by windstorm or not, unless (2) Landslide, mudflow, mudslide, sand the direct force of windstorm or hail first flow, shifting sand, scouring, including damages the building or structure causing any earth sinking, rising or shifting N an opening in the roof or wall and the rain, related to such event; snow, sleet, sand, dust or falling objects (3) Mine subsidence, meaning subsidence N enters through this opening. of a man-made mine, whether or not B. Exclusions mining activity has ceased; 1. We will not pay for loss or damage caused (4) Volcanic eruption, explosion or effusion, directly or indirectly by any of the following. land or air shock, waves or tremors, lava Such loss or damage is excluded regardless of flow, ash, dust, particulate matter or any other cause or event that contributes effusion of a volcano; all whether before, concurrently or in any sequence to the loss. during or after such earth movement; a. Ordinance Or Law (5) Settling, shrinking, bulging or expansion, including resultant cracking of The enforcement of or compliance with any pavements, patios, foundations, walls, ordinance or law: floors, roofs or ceilings; or (1) Regulating the construction, use or (6) Catastrophic ground cover collapse, 0 repair of any property; or sinkhole, sinkhole activity or sinkhole (2) Requiring the tearing down of any loss; property, including the cost of removing Whether caused by or resulting from human 0 its debris. or animal forces or any act of nature. This exclusion, Ordinance Or Law, applies c. Nuclear Hazard whether the loss results from: E Nuclear reaction, radiation, or radioactive (1) An ordinance or law that is enforced contamination, all whether controlled or even if the property has not been uncontrolled or however caused, or any damaged; consequence of any of these. (2) The increased costs incurred to comply with an ordinance or law in the course of construction, repair, renovation, remodeling or demolition of property, or removal of its debris; CIT W10 10 02 22 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 4 with its permission Packet Pg. 3170 P.6.a d. Utility Services (4) Water under the ground surface The failure of power, communication, water pressing on, or flowing or seeping or other utility service supplied to the through: described premises, however caused, if the (a) Buildings, sidewalks, driveways, failure: patios, foundations, walls, floors, (1) Originates away from the described paved surfaces, swimming pools or premises; or other structures; (2) Originates at the described premises, (b) Basements, whether paved or not; or but only if such failure involves (c) Doors, windows or other openings; equipment used to supply the utility or service to the described premises from (5) Waterborne material carried or N a source away from the described N otherwise moved by any of the water premises. referred to in Paragraph (1), (3) or (4), N Failure of any utility service includes lack of or material carried or otherwise moved N sufficient capacity and reduction in supply. by mudslide or mudflow. 76 Loss or damage caused by a surge of This exclusion applies regardless of power is also excluded. whether any of the above, in Paragraphs Communication services include but are not (1) through (5), is caused by or results from limited to service relating to Internet access human or an forces or any act of nature or access to any electronic, cellular or or is otherwise caused. U) satellite network. An example of a situation to which this e. War And Military Action exclusion applies is the situation where a dam, levee, seawall or other boundary or (1) War, including undeclared or civil war; containment system fails in whole or in part, CCNN (2) Warlike action by a military force or for any reason, to contain the water or N military personnel, including action in waterborne material. hindering or defending against an actual g. "Fungus", Wet Rot, Dry Rot And or expected attack, by any government, Bacteria sovereign or other authority using military personnel or other agents; Presence, growth, proliferation, spread or any activity of "fungus", wet or dry rot or (3) Insurrection, rebellion, revolution, bacteria. usurped power, or action taken by governmental authority in hindering or This exclusion does not apply to the extent defending against any of these; or that coverage is provided in the Additional 4 Destruction or seizure or use for a Coverage — Limited Coverage For t3 ( ) "Fungus", Wet Rot, Dry Rot And Bacteria military purpose. with respect to loss or damage by a Discharge of a nuclear weapon shall be covered Cause of Loss. t0 deemed a warlike act even if accidental. h. Rust, smog, decay, or other corrosion. 0 f. Water i. Wear, tear, marring, deterioration. (1) Flood, surface water, waves including j. Inherent vice or latent defect. wave wash, tidal waves and tsunami, tidal water, storm surge, overflow of any k. Fire, lightning, explosion, aircraft damage body of water, or spray from any of or vehicular damage, riot or civil these, all whether or not driven by wind commotion, vandalism, burglary or theft. CU including storm surge; I. Smoke from agricultural smudging or (2) Mudslide or mudflow; industrial operations or sudden and accidental damage from smoke. (3) Water that backs up or overflows or is otherwise discharged from a sewer, m. Discharge, dispersal, seepage, migration,drain, septic tank and system, sump, release or escape of pollutants. sump pump or related equipment; This exclusion does not apply to the amount of coverage that is provided under Additional Coverages, 4.d., Pollutant Clean- up And Removal. Page 2 of 4 Includes copyrighted material of Insurance Services Office, Inc., CIT W10 10 02 22 with its permission Packet Pg. 3171 P.6.a n. Neglect t. Artificially generated electrical current, Neglect to use all reasonable means to including electric arcing, that disturbs save and preserve property before, at, or electrical devices, appliances or wires after the time of loss. including loss to a tube, transistor or similar o. Birds, vermin, rodents, animals, electronic component. marsupials, reptiles, fish, insects, or pests, u. Artificially generated electrical, magnetic including but not limited to, termites, snails, or electromagnetic energy that damages, raccoons, opossums, armadillos, flies, bed disturbs, disrupts or otherwise interferes bugs, lice, ticks, locust, cockroaches, and with any: fleas. (1) Electrical or electronic wire, device, This exclusion does not apply to the limited appliance, system or network; or N coverage provided under Citizens Changes (2) Device, appliance, system or network N - Property Not Covered, paragraph 2.a. in utilizing cellular or satellite technology. N Form CIT W14 20. For the purpose of this exclusion, electrical, N p. Consequential Losses, including but not magnetic or electromagnetic energy limited to rental value, business income or includes but is not limited to: business interruption. (a) Electrical current, including arcing; q. Intentional Loss (b) Electrical charge produced or E Any loss arising out of any act committed: conducted by a magnetic or 0 electromagnetic field; U) (1) By or at the direction of you or any person or organization named as an (c) Pulse of electromagnetic energy; or 9 additional insured; and (d) Electromagnetic waves or 3- (2) With the intent to cause a loss. microwaves. N r. Coastal Construction Control Line v. Water, steam or other substances from N Exclusion sprinkler equipment, plumbing, heating, air conditioning, household appliance, sump The amount of loss, if any, in excess of the pump, sump, or other piping, to the Interior actual cost of repair or replacement of the of a Building, or the property contained in a Covered Property where said excess is due building, unless the equipment or piping is to restrictions on reconstruction of coastal first damaged as a direct result of a dwellings and buildings located within the Covered Causes of Loss. U) coastal construction code zones w. Mechanical breakdown; established pursuant to Section 161.052 and 161.053, Florida Statutes, as presently x. We do not insure for loss to Covered U existing or hereafter amended. Property caused by any of the following. s. Existing Damage (1) Weather Conditions. However, this exclusion only applies if weather U (1) Any damages which occurred prior to conditions other than a Covered policy inception regardless of whether Causes of Loss contribute in any way such damages were apparent at the with a cause or event excluded in the 0 time of the inception of this policy or Exclusions above, to produce the loss; occurring at a later date; (2) Damages existing prior to the time of (2) Acts or decisions, including the failure loss; or to act or decide, of any person, group, (3) Any unrepaired part or portion of a loss organization or governmental body; to property for which you have made an (3) Faulty, inadequate or defective: insurance claim, whether or not paid by (a) Planning, zoning, development, insurance. surveying, siting; However, under this Exclusion s. any (b) Design, specifications, ensuing loss to property described in workmanship, repair, Coverages not otherwise excluded or construction, renovation, excepted in this Policy is covered. remodeling, grading, compaction. This provision applies to all coverages under this policy. CIT W10 10 02 22 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 4 with its permission Packet Pg. 3172 P.6.a (c) Materials used in repair, 4. The coverage provided under this Limited construction, renovation or Coverage does not increase the applicable remodeling; or Limit of Insurance on any Covered Property. If (d) Maintenance of part or all of any a particular occurrence results in loss or property whether on or off the damage by "fungus", wet or dry rot or bacteria, and other loss or damage, we will not pay described premises. more, for the total of all loss or damage, than However, under x.(1), (2) or (3) above, any the applicable Limit of Insurance on the ensuing loss to Covered Property and affected Covered Property. caused by a Covered Causes of Loss which If there is covered loss or damage to Covered is not otherwise excluded or accepted in Property, not caused by"fungus", wet or dry rot , this policy is covered. or bacteria, loss payment will not be limited by Q Exclusions B.1.a. through B.1.x. apply whether or the terms of this Limited Coverage, except to N not the loss event results in widespread damage the extent that "fungus", wet or dry rot or N or affects a substantial area. bacteria causes an increase in the loss. Any N C. Additional Coverage — Limited Coverage For such increase in the loss will be subject to the 76 "Fungus", Wet Rot, Dry Rot And Bacteria terms of this Limited Coverage. 1. The coverage described in C.2. only applies D. Definitions when the "fungus", wet or dry rot or bacteria is "Fungus" means any type or form of fungus, E the result of a Covered Cause of Loss that including mold or mildew, and any mycotoxins, L_ occurs during the policy period and only if all spores, scents or by-products produced or U) reasonable means were used to save and released by fungi. preserve the property from further damage at the time of and after that occurrence. N 2. We will pay for loss or damage by "fungus", N wet or dry rot or bacteria. As used in this cLN Limited Coverage, the term loss or damage means: a. Direct physical loss or damage to Covered Property caused by "fungus", wet or dry rot or bacteria, including the cost of removal of the "fungus",wet or dry rot or bacteria; b. The cost to tear out and replace any part of the building or other property as needed to gain access to the "fungus", wet or dry rot t j or bacteria; and c. The cost of testing performed after removal, repair, replacement or restoration of the U damaged property is completed, provided there is a reason to believe that "fungus", wet or dry rot or bacteria are present. 0 3. The coverage described under C.2. of this Limited Coverage is limited to $15,000. Regardless of the number of claims, this limit is E the most we will pay for the total of all loss or damage arising out of all occurrences of Covered Causes of Loss which take place in a 12-month period (starting with the beginning of the present annual policy period). With respect to a particular occurrence of loss which results in "fungus", wet or dry rot or bacteria, we will not pay more than a total of$15,000 even if the "fungus", wet or dry rot or bacteria continues to be present or active, or recurs, in a later policy period. Page 4 of 4 Includes copyrighted material of Insurance Services Office, Inc., CIT W10 10 02 22 with its permission Packet Pg. 3173 P.6.a COMMERCIAL PROPERTY CIT CNRW 01 25 02 22 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FLORIDA CHANGES This endorsement modifies insurance provided under the following: COMMERCIAL PROPERTY COVERAGE COMMERCIAL PROPERTY CONDITIONS COMMON POLICY CONDITIONS A. Under A. Coverage, Covered Property 1. Building, 3 Subject to the exceptions in Paragraph `� g p Y g, ( ) J p g p N paragraph a.(4) is deleted and replaced with: (4), the following provisions apply: N 4 Personal property owned b you that is a The most we will a for the total of `N O p p Y by O pay N 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 while located on the described premises damage. E 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 U) (a) Fire extinguishing equipment; limited to 25% of the sum of the (b) Outdoor furniture; deductible plus the amount that we pay for direct physical loss or damage N (c) Floor coverings; and to the Covered Property that has N CD (d) Appliances used for refrigerating, sustained loss or damage. cLN ventilating, cooking, dishwashing or (4) We will pay up to an additional $5,000 for 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 (This is paragraph 1.b. in form CP 00 18) Property, if one or both of the following circumstances apply: C. Additional Coverages 4.a., Debris Removal, is deleted and replaced by the following: (a) The total of the actual debris removal expense plus the amount we pay for 4. Additional Coverages direct physical loss or damage Cj a. Debris Removal exceeds the Limit of Insurance on the (1) Subject to Paragraphs(3)and(4),we will Covered Property that has sustained pay your expense to remove debris of loss or damage. c) Covered Property caused by or resulting (b) The actual debris removal expense 0 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 0 pay for direct physical loss or damage The expenses will be paid only if they are to the Covered Property that has reported to us in writing within 180 days sustained loss or damage. of the date of direct physical loss or E 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 01 25 02 22 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 11 with its permission Packet Pg. 3174 P.6.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 of 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 N (2) We insure Covered Property against temporarily removed from the described N direct loss by a Covered Cause of Loss premises for purposes of cleaning, N while being removed from the described repairing, reconstruction, or restoration. N premises endangered by a Covered (2) This extension of coverage shall: 76 Cause of Loss and for not more than 180 consecutive days from the date of the (a) Not apply to property in transit nor to loss occurrence, while removed. property on any premises owned, This coverage does not change the Limit leased,operated or controlled by you; E of Liability that applies to the property (b) Not apply to personal property owned being removed. by others; U) apply E (3) We do not cover prestorm evacuation (c) Not pp Y except as excess over the expenses, other than described in amount due from any other insurance 4.b.(1) above covering the property, whether N E. Additional Coverages 4.c. Fire Department collectible or not; and N Service Charge is deleted in its entirety. (d) This extension will provide no benefit F. In Forms CP 00 10 and CP 00 17, Additional to a bailee. Coverages 4.e., Increased Cost of Construction, We will not recognize any assignment is deleted in its entirety. or grant any coverage under this G. Coverage Extensions 5. (First two paragraphs) is extension that benefits a person or deleted and replaced by the following: organization holding, storing or moving property for a fee or other Except as otherwise provided, the following bailee, regardless of any other Extensions apply to property located in or on the provision in this policy. building described in the Declarations or in the open (3) If you elect to apply this optional (or in a vehicle) within 100 feet of the described extension of coverage, we will not be premises. liable for a greater proportion of any loss 0 If CIT 0414 is not part of this policy,you may extend that would have been the case if all U the insurance provided by this Coverage Part as windstorm insurance policies covering 0 follows: the Covered Property had contained an H. Coverage Extensions 5.a. Newly Acquired Or identical optional extension of coverage 2 Constructed Property is deleted in its entirety. and the same election were made under all such policies. I. Coverage Extensions 5.b. Personal Effects And (4) This extension d.applies only to property Property Of Others is dealing with the amount we will pay is replaced by the following: located in the State of Florida. The most we will pay for loss or damage of personal property and personal effects located in or on a building under this Extension is $2,500 at each described premises. Page 2 of 11 Includes copyrighted material of Insurance Services Office, Inc., CIT CNRW 01 25 02 22 with its permission Packet Pg. 3175 P.6.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 N Limit(s) of Insurance shown in the Declarations for (b) Also pay the mediator's fee for the N any other coverage: rescheduled conference. N 1. Pollutant Clean-up And Removal; and b. Appraisal. N 2. Electronic Data. Appraisal is an alternative dispute resolution N. D. Deductible is deleted in its entirety and replaced method to address and resolve with Windstorm Or Hail Percentage Deductible, disagreement regarding the amount of the form CIT 03 21. covered loss. E 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 U) amount of loss, either party may demand 2. Alternative Dispute Resolution. an appraisal of the loss. If you, an a. Mediation. "assignee" of the policy benefits or we If this policy covers a residential structure or demand appraisal, the demand for Q its contents and if either you, or an appraisal must be in writing and shall N "assignee"of the policy benefits, and we are include an estimate of the amount of any 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 established by the Florida Department of covered loss, along with the extent of Financial Services. damage and the estimated amount to We are not, however, required to participate repair or replace each item. in any mediation requested by an "assignee" (3) Upon receipt of the written demand for t3 of the policy benefits. appraisal, the parties shall have up to 60 (1) If the dispute is mediated the settlement calendars days from receipt of the written 0 in the course of the mediation is binding demand to examine all damages only if both parties agree, in writing, on a claimed, including the right to re-inspect 0 settlement. the property, before commencing the a formal Appraisal process. 0 However,you may rescind the settlement The start of the formal Appraisal process within 3 business days after reaching settlement, unless you have cashed or will not begin until the earlier of: deposited any settlement check or draft (a) The day the parties mutually agree in we disbursed to you for the disputed writing to commence the formal matters as a result of the mediation appraisal process; or conference. (b) The 61 st calendar day after the receipt of the written demand for appraisal; CIT CNRW 01 25 02 22 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 11 with its permission Packet Pg. 3176 P.6.a (4) Upon commencement of the formal (9) Each party will: Appraisal process as outlined above in (a) Pay its own appraiser, including their 2.b.(3) above each party will choose a costs associated with producing the competent appraiser within 20 days from estimate described in b.(1) above; the date of commencement. and In order to be deemed competent, each (b) Pay the reasonable fees and the appraiser must be experienced and reasonable expenses of the appraisal proficient in preparation of commercial and umpire equally. property damage estimates, conducting on-site examination of commercial (10) You, we, the appraisers and the umpire property damages and reviewing shall be given reasonable and timely commercial engineering reports, access to inspect the damaged property, regarding repair and replacement of in accordance with the terms of the commercial property multi-story and policy. Q high-rise commercial building damage (11) If, however, we requested the mediation N and business personal property damage. in 2.a. above and either party rejects the Q (5) The appraisers will separately set the mediation results, you are not required to76 amount of loss. If the appraisers submit a submit to, or participate in, any appraisal written report of an agreement to us, the of the loss as a precondition to action amount agreed upon will be the amount against us for failure to pay the loss. of loss. (12) If, however, you or any party other than (6) If the appraisers fail to agree within 60 us requested the mediation in 2.a.above, 0 days from the commencement of the we may still demand appraisal. U) formal appraisal process, the two P. Loss Condition E.3. Duties In The Event Of Loss appraisers will choose a competent and Or Damage is deleted and replaced by the impartial umpire. following: N If the two appraisers cannot agree upon (This is Loss Condition EA. in form CP 00 18) N an umpire within 15 days, you, an "assignee" of the policy benefits or we 3. Duties In The Event Of Loss Or Damage may request that the choice be made by An "assignment agreement" does not change a judge of a court of record located in the the obligations to perform the duties required county corresponding to the applicable under this policy. LOCATION NO. and its DESCRIPTION a. Duties Of An Insured OF PREMISES address shown in the Declarations in accordance with the In case of a loss to covered property, we following: have no duty to provide coverage under this policy to you or any other insured seeking (7) The two appraisers will submit their C3 coverage, if there is failure to comply with differences to the umpire. A decision any of the following duties. These duties agreed to by any two will set the amount must be performed either by you, any other of the loss. insured seeking coverage, or a t) (8) The appraisal award will be in writing and representative of either. 0 shall include the following: (1) Give us prompt notice of the loss or 0 (a) A detailed list, including the amount to damage. Include a description of the repair or replace,of each specific item property involved. included in the award from the (2) As soon as possible, give us or any appraisal findings; person authorized to act on our behalf a (b) The agreed amount of each item, its description of how, when and where the replacement cost value and loss or damage occurred. ° corresponding actual cash value; and (c) A statement of "This award is made subject to the terms and conditions of the policy." Page 4 of 11 Includes copyrighted material of Insurance Services Office, Inc., CIT CNRW 01 25 02 22 with its permission Packet Pg. 3177 P.6.a (3) Take all reasonable steps to protect the (iii) Estimated amount(s) to repair or Covered Property from further damage, replace each item of property; and keep a record of your expenses and necessary to protect the Covered (iv) Amount(s) of payment made for Property, for consideration in the any temporary or permanent settlement of the claim. repairs. This will not increase the Limit of Photographs and any other Insurance. supporting documentation that exists However, we will not pay for any should be included to the extent it is subsequent loss or damage resulting reasonable and practical to obtain. from a cause of loss that is not a Covered (7) The inventory of damaged Business Cause of Loss. Personal Property described in a.(14) To the degree reasonably possible, below. damaged property must be retained for `1 (8) Produce any updates to the documents N us or any person authorized to act on our and information in a.(1) through a.(7) N behalf, to inspect. above, including revised descriptions of N 76 (4) Keep an accurate record of expenses. loss, scope of loss, estimates or other (5) As soon as reasonably possible, notify supporting information: the police if a law may have been broken (a) As this information becomes and provide us a copy of the police available, and if additional loss or report. damage is discovered or incurred; 0 (6) Send to us, within 60 days after our and a request, a signed, sworn statement in a (b) If you are provided with new Proof of Loss form provided by us and estimates or invoices regarding the completed in its entirety,which sets forth, losses submitted or not submitted in N to the best of your knowledge and belief: the proof of loss. N (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 M discovered, and who discovered the This includes speaking and sharing 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 the property involved and all liens on (a) Must cooperate with our the property; investigation; U (d) Other insurance which may cover the (b) Must not act in any manner that 0 prevents us or any person acting on loss; our behalf, from investigating the 0 (e) Changes in title or occupancy of the claim; and property during the term of the policy; (c) May not act in any manner to obstruct and our investigation. E (f) Specifications of the damage to the building, including: (10) As often as we reasonably require, allow us or any person authorized to act on our (i) Detailed descriptions of the behalf: damage to the property; (a) Access to the location insured; (ii) Repair estimates which show the (b) To inspect the location insured, and to extent of damage to each item or inspect subject to a.(17) and a.(18) property; below all damaged property prior to its removal from the insured location; CIT CNRW 01 25 02 22 Includes copyrighted material of Insurance Services Office, Inc., Page 5 of 11 with its permission Packet Pg. 3178 P.6.a (c) Examine your books and records;and (18) To the degree reasonably possible, prior (d) To require an insured or their to materially altering, destroying, representative, or both if reasonably trenching or excavating any part of the possible, to be present at our property or structure insured, allow us or inspection and to assist in identifying any person authorized to act on our the damaged property during the behalf, the opportunity to inspect the inspection. property. At our request, identify the person or (19) To the degree reasonably possible, you persons with knowledge of how the loss must permit us or any person authorized occurred and the extent of damage. to act on our behalf, to take samples of the damaged and undamaged property (11) At our request, identify all person(s)with for inspection, testing and analysis and knowledge of the facts of the loss. permit us or any person acting on our (12) Execute all work authorizations and allow behalf, to make copies from your books Q contractors and related parties entry to and records. N the property. (20) As often as we or any person authorized N (13) Keep an accurate record of repair to act on our behalf reasonably require: 76 expenses. (a) You or any insured; (14) At our request, give us or any person (b) Any member, officer, director, partner authorized to act on our behalf, complete or similar representative of the E inventories of the damaged and association, corporation or other undamaged property. Include entity, if you are the association, descriptions, quantities, costs, values corporation or other entity, who is an a and amount of loss claimed. insured; and Attach all bills, receipts and related (c) Any agent or representative, N documents that justify the figures in the including any public adjuster, N inventory. engaged on behalf of you or any cLN (15) As often as we or any person authorized insured, or any member, officer, to act on our behalf, reasonably require: director, partner or similar (a) Show the damaged property retained representative of an association, as required by this policy; and corporation, or other entity, described in 20.(b) above; (b) Provide requested records and documents, including all updates to must: U) the revised documentation, and (a) Submit to examinations under oath permit us or any person authorized to and recorded statements, at the N act on our behalf, to make copies. location insured or other reasonable Cj (16) Cooperate in obtaining and executing location designated by us,while not in any necessary municipal, county or other the presence of each other or any governmental documentation or permits other insured; U for repairs to be made and any necessary (b) Provide government issued photo 0 work authorizations, as required by these identification. If you do not possess entities. government issued photo 0 (17) To the degree reasonably possible, identification, a signed sworn retain the damaged property and any statement identifying who you are photographs of the damaged property. may be provided; and E Allow us or any person authorized to act (c) Sign any transcript of the CU on our behalf, to inspect the retained examinations under oath and property and make copies of the recorded statements. photographs. Page 6 of 11 Includes copyrighted material of Insurance Services Office, Inc., CIT CNRW 01 25 02 22 with its permission Packet Pg. 3179 P.6.a Such examinations and recorded Q. The Loss Payment Condition dealing with the statements must be either in-person or number of days within which we must pay for utilize video and audio technology, or covered loss or damage is replaced by the both, as determined by us; and following: Such examinations and recorded Provided you have complied with all the terms of statements may be about any matter this Coverage Part, we will pay for covered loss or relating to this insurance or the claim, damage upon the earliest of the following: including an insured's books and (1) Within 20 days after we receive the records. sworn proof of loss and reach written b. Duties Of An "Assignee" agreement with you; In case of a loss to covered property, we (2) Within 30 days after we receive the have no duty to provide coverage under this sworn proof of loss and: policy to an "assignee" if there is failure by (a) There is an entry of a final judgment; Q the "assignee" to comply with any of the or I following duties. These duties must be performed by the "assignee". (b) There is a filing of an appraisal award N 76 Pursuant to Florida law, in a claim arising with us; or under an "assignment agreement", an (3) Within 90 days of receiving notice of an "assignee" has the burden to demonstrate initial, reopened, or supplemental that we are not prejudiced by the property insurance claim, unless we deny "assignee's" failure to perform the duties in the claim during that time or factors (1) through (4) below. beyond our control reasonably prevent (1) Cooperate with us in the investigation of such payment. a claim. If portion of the claim is denied,then the (2) Maintain records of all services provided 90-day time period for payment of claim relates to the portion of the claim that is N under the "assignment agreement". not denied. Q (3) Provide us requested records and Paragraph (3) above does not form the documents related to the services sole basis for a private cause of action provided, and permit us to make copies against us. of such records and documents. Paragraph (3) applies only to the This includes providing accurate and up- following: to-date revised estimates of the scope of g work to be performed as supplemental or (a) A claim under a policy covering U) additional repairs are required. residential property; (4) Deliver a copy of the executed (b) A claim for building or contents "assignment agreement" to us within 3 coverage if the insured structure is business days after executing the 10,000 square feet or less and the "assignment agreement" or when the policy covers only locations in Florida; 0 work has begun, whichever is earlier. or U (5) Must perform the work in accordance (c) A claim for contents coverage under with accepted industry standards. a tenant's policy if the rented a c. Application Of Duties premises are 10,000 square feet or less and the policy covers only The duties above apply regardless of locations in Florida. whether a person retains or is assisted by a R. In form CP 00 17, the following applies: party who provides legal advice, insurance c� advice or expert claim advice, regarding an If you name an insurance trustee, we will insurance claim under this policy. adjust losses with you, but we will pay the insurance trustee. If we pay the trustee, the payments will satisfy your claims against us. CIT CNRW 01 25 02 22 Includes copyrighted material of Insurance Services Office, Inc., Page 7 of 11 with its permission Packet Pg. 3180 P.6.a S. The Loss Condition Loss Payment, paragraph (3) Pay in any loss involving part of a series 4.a.(4) is deleted and replaced by the following: of pieces or panels: (4) Repair, rebuild or replace any part or item (a) The reasonable cost of repairing or of the damaged property with material or replacing the damaged part to match property of like kind and quality, subject the remainder as closely as possible; to b. below. or (This is paragraph 5.a.(4) in form CP 00 18) (b) The reasonable cost of providing an T. The Loss Condition Loss Payment, paragraph acceptable decorative effect or 4.a.(5) is added: utilization as circumstances may (5) If an identical replacement is not warrant. available, we may, at our option, However, we do not guarantee the availability substitute replacement of equal or of replacements, and we will not be liable, in greater features, functions or capacities the event of damage to or loss of a part,for the Q of the damaged property, subject to b. value, repair or replacement of the entire N below. series of pieces or panels. Q N (This is paragraph 5.a.(5) in form CP 00 18) Y. The Loss Condition Vacancy, paragraph 6. in form U. The Loss Condition Loss Payment, paragraph 4.c. CP 00 10 and paragraph 7. in forms CP 00 17 and is deleted and replaced by the following: CP 00 18, is deleted in its entirety. c. We will give the first Named Insured, mail to Z. In forms CP 00 17, Loss Condition Valuation, the first Named Insured at the address paragraph 8.d. is added: shown in the Declarations, or "electronically c. "Stock"you have sold but not yet delivered at transmit" to the first Named Insured, written the selling price less discounts and expenses notice of our intentions within 30 days after you otherwise would have had. we receive the signed, sworn proof of loss. AA.In the Loss Conditions, the following is added: N N Proof of mailing or "electronic transmittal" is Salvage Q sufficient proof of notice. N We may permit you to keep damaged insured (This is paragraph 5.c. in form CP 00 18) property after a loss. If we permit you to keep V. The following is added to the Loss Payment damaged insured property, we will reduce the CU Condition: amount of loss proceeds payable to you under the Payment of a portion of the claim(s) being policy by the value of the salvage. asserted in a loss under this policy does not BB.In the Loss Conditions, the following is added: act as a waiver of our right to dispute or deny Notice any unpaid portion of any claim(s) that you may assert arose from a loss. A company employee adjuster, independent adjuster, attorney, investigator, or other persons W. The following is added to the Loss Payment acting on behalf of us that needs access to an Condition: insured or the claimant or to the insured property In no event will we make duplicate payments that is the subject of a claim must provide at least t0 for the same element of loss because of the 48 hours' notice to the insured or the claimant, insured's failure to notify us of termination of public adjuster, or legal representative before 0- the "assignment agreement". scheduling a meeting with the claimant or an onsite a X. The following is added to the Loss Payment inspection of the insured property. Condition: The insured or the claimant may deny access to the property if notice has not been provided. The In case of loss to a pair, set or panels,we may insured or the claimant may waive the 48-hour elect to: notice. CU (1) Repair or replace any part to restore the pair, set or panel to its value before the CC.In the Loss Conditions, the following is added: loss; Claim, Supplemental Claim, Or Reopened Claim (2) Pay the difference between the actual a. A claim or reopened claim is barred unless cash value of the property before and notice of the claim is given to us in accordance after the loss; or with the terms of the Policy within 2 years after the date of loss. Page 8 of 11 Includes copyrighted material of Insurance Services Office, Inc., CIT CNRW 01 25 02 22 with its permission Packet Pg. 3181 P.6.a A reopened claim means a claim that we have HH.In the Additional Conditions,the following is added: previously closed, but that has been reopened With respect to any coverage provided under this upon an insured's request for additional costs Coverage Form to a Condominium Association, for loss or damage previously disclosed to us. this insurance does not cover any loss to a b. A supplemental claim is barred unless notice of Condominium Association by reason of a the supplemental claim is given to us in deductible incurred by or applied to it under other accordance with the terms of the Policy within 3 insurance covering the same loss or by reason of years after the date of loss. the failure by the Condominium Association to A supplemental claim means a claim for obtain other insurance and it does not cover any additional loss or damage from the same peril loss incurred by or assessed against the individual which we have previously adjusted or for which unit owner(s) as a direct result of such deductible costs have been incurred while completing or such failure to obtain other insurance and , repairs or replacement pursuant to an open neither the unit owner(s) nor the Condominium Q claim for which timely notice was previously Association shall have a right of subrogation provided to us. against us. N c. For claims resulting from hurricanes, tornadoes, II. In form CP 00 17, Optional Coverages, N windstorms, severe rain, or other weather- Replacement Cost, paragraph 3.b.(4) is added: related events, the date of loss is the date that (4) "Stock", unless the Including "Stock" the hurricane made landfall or the tornado, windstorm,severe rain,or other weather-related option is shown in the Declarations. event is verified by the National Oceanic and JJ.The following is added to H. Definitions part of this Atmospheric Administration. policy: DD.In forms CP 00 10 and CP 0017, Additional "Assignee" means a person who is assigned Condition Mortgageholders, paragraph 2.a. is post-loss benefits through an "assignment deleted and replaced by the following: agreement". N a. The term mortgageholder includes trustee "Assignment agreement" means any instrument N and Iienholder. by which post-loss benefits under a commercial cLN EE.In forms CP 00 10 and CP 0017, the following is property insurance policy are assigned or added to Additional Condition Mortgageholders: transferred, or acquired in any manner, in whole or in part, to or from a person providing services to Policy conditions relating to Appraisal, Legal protect, repair, restore, or replace property or to Action Against Us and Loss Payment apply mitigate against further damage to the property. to the mortgagee. "Assumption insurer" means an insurer who FF.Additional Condition Coinsurance is deleted in its assumes contractual liability of your Citizens policy entirety. under an assumption agreement or take out plan GG.In the Additional Conditions,the following is added: pursuant to Sections 627.351(6) and 627.3511, Florida Statutes. Adjustment of Limits and Amounts If this policy is a renewal with us, the Limit of "Diminution in value"means any reduction in the Insurance for your Covered Property may be value of any covered property as compared to the t0 adjusted. value of that property immediately before the loss. Any change in the Limit of Insurance does not, in "Electronic transmittal" means: any way, represent, warrant, or guarantee to any a. The electronic transmittal of any person or entity, that: document or notice to the designated a. These adjustments will keep pace with Primary Email Address shown in your inflation; or Declarations; or b. The amounts of coverage are adequate to b. The electronic posting of any document or repair or rebuild any specific building or notice, with notification to you of the posted structure. document or notice, by electronic transmittal to the designated Primary Email Address shown in your Declarations. (Hereafter referred to as "electronically transmitted", "electronic transmittal", "electronically transmit" or "electronically transmitting") CIT CNRW 01 25 02 22 Includes copyrighted material of Insurance Services Office, Inc., Page 9 of 11 with its permission Packet Pg. 3182 P.6.a KK.In Form CP 00 17, the following definition is added NN.In the Common Policy Conditions, the following is H. Definitions part of this policy: added: "Stock" means merchandise held in storage or Document Transmittal for sale, raw materials and in-process or finished Upon affirmative election by you for Citizens to goods, including supplies used in their packing or deliver policy documents by electronic means in shipping. lieu of delivery by mail, we may "electronically LL.In the Common Policy Conditions, the Inspections transmit"any document or notice to you. And Surveys Condition D. is deleted and replaced Proof of"electronic transmittal' is sufficient proof of by the following: notice. D. Inspections And Surveys. OO.In the Commercial Property Conditions, the 1. We have the right to: Concealment, Misrepresentation Or Fraud a. Make inspections and surveys at any Condition A. is deleted and replaced by the N time; following: N b. Give you reports on the conditions we A. Incorrect Statements Or N find; and Representations, Concealment Or N Fraudulent Conduct. 76 c. Recommend changes. 1. We do not provide coverage under this 2. We are not obligated to make any Policy to you or any insureds who, inspections, surveys, reports or before, during or after a loss, separately recommendations and any such actions we or in any manner in conjunction with do undertake relate only to insurability and each other or in conjunction with any third the premiums to be charged. parties, have, relating to this insurance: We do not make safety inspections. We do E a. Made one or more material incorrect not undertake to perform the duty of any statement or representations; person or organization to provide for the N health or safety of workers or the public. b. Concealed any material fact or circumstance; or N And we do not warrant that conditions: c. Engaged in fraudulent conduct. a. Are safe or healthful; or 2. We do not provide coverage under this b. Comply with laws, regulations, codes or Policy to you or any insureds, when you standards. or any insured had knowledge of, but 3. This condition applies not only to us, but also failed to disclose that any claimant, or to any rating, advisory, inspection service or agent or representative of you, any U) similar organization which makes insurance insured, or any claimant, engaged in inspections, surveys, reports or any of the behavior described in 3.a. recommendations. through 3.c. below. t3 MM.In the Common Policy Conditions, the following is 3. We do not provide coverage under this added: Policy to any other claimant or other Renewal Notification claimants seeking benefits under the U policy on any basis who, before, during 0 If we elect to renew this policy, we will let the first or after a loss, separately or in any Named Insured know, in writing: manner in conjunction with each other, 0 1. Of our decision to renew this policy; and you, any insureds or any third parties, 2. The amount of renewal premium payable to have, relating to this insurance: us. a. Made one or more material incorrect E This notice will be delivered to the first Named statement or representations; CU Insured, mailed to the first Named Insured at the b. Concealed any material fact or mailing address shown in the Declarations, or circumstance; or "electronically transmitted" to the first Named c. Engaged in fraudulent conduct. Insured, at least 45 days before the expiration date of this policy. Proof of mailing or "electronic transmittal" is sufficient proof of notice. Page 10 of 11 Includes copyrighted material of Insurance Services Office, Inc., CIT CNRW 01 25 02 22 with its permission Packet Pg. 3183 P.6.a If this policy covers a residential structure or its contents, then in the Commercial Property Conditions, the following is added to A. Incorrect Statements Or Representations, Concealment Or Fraudulent Conduct: However, if this policy covers a residential structure or its contents and the policy has been in effect for more than 90 days,we may not deny a claim filed by you or an insured on the basis of credit information available in public records. PP.Under the Commercial Property Conditions, Control Of Property Condition B., the following is N added: N N We will not pay for loss or damage while the N chance of loss or damage is increased by any N means within your knowledge or control. QQ.The following is added to this policy: AGREEMENT This policy is issued on behalf of the Citizens Property Insurance Corporation and by acceptance U) of this policy you agree: This policy does not include, does not insure, and we will not pay for, any"diminution in value". N N RR.The following is added to this policy: Q N IN WITNESS WHEREOF, Citizens Property Insurance Corporation has executed and attested these presents. gym..., Citizens Property Insurance Corporation 0 U 0 0 0 c� CIT CNRW 01 25 02 22 Includes copyrighted material of Insurance Services Office, Inc., Page 11 of 11 with its permission Packet Pg. 3184 P.6.a POLICY NUMBER: COMMERCIAL PROPERTY CIT 04 14 08 21 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COVERAGE WRITTEN ON A FIRST LOSS BASIS This endorsement modifies the following: COMMERCIAL PROPERTY COVERAGE PART cN CONDITIONS APPLICABLE TO COVERAGE WRITTEN ON A FIRST LOSS BASIS N For the premium charged for this policy, the following Conditions apply for specific items which are shown in the N Declarations. 6 A. First Loss Basis 1. First Loss Basis means the amount of E insurance does not equal the replacement cost or the actual cash U) value of covered property. 9 2. When the condition of First Loss Basis 3- applies, as shown in the Declarations: N N (a) A rate adjustment is made; N (b) The Other Insurance condition is deleted; (c) Any applicable Coinsurance condition is deleted; and (d) This insurance is intended to be primary and not contribute to other insurance. All other provisions of this policy apply. 0 U 0 0 0 E c� CIT 04 14 08 21 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 1 with its permission. Packet Pg. 3185 P.6.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 May 10,2022 Brian Bradley RMLO,FCRM CN Risk Manager C14 Monroe County Attorney's Office 1111 12th Street, Suite 408 cN Key West, FL 33040 ra Subject: Renewal of Citizens Wind Policy Dear Brian: U) The County currently purchases Primary Wind Coverage on approximately 43 of its buildings and 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 2020/21 Master Property program provides Named Windstorm coverage with limits of$10 million and a deductible of$1 million per occurrence/per location. Citizens provides up to $1 million of coverage for each U) building scheduled on the policy subject to a deductible that amounts to approximately 5%of the 0 Insured Value of the building(s) damaged. The County paid an annual premium of$851,752 for U their 2021/22 Citizens Wind policy that expires on May 29,2022. Citizens has issued their renewal notice for the 2022/23 policy term reflecting a premium of 0- $1,050,464. 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. Item Cumulative Limits Cumulative Premium Buildings $30,871,079 $759,883 Contents 7,693,447 134,509 Fees and Assessments 156,072 E Total $38,564,526 $1,050,464 E U This represents an increase of$198,712 (23.330%) compared to the County's 2021/22 premium. It is recommended that the County renew its Primary Wind coverage as being proposed by Citizens E for the policy period of 5/29/22 to 5/29/23. Packet Pg. 3186 P.6.b Please do not hesitate to call if you have any questions or concerns. Cordially, INTERISK CORPORATION CN i s CN 4e8 N a N Sidney G. Webber N N CPCU,ARM U) U) a 0 U E 0 L- 4- E E 0 c� E c� Packet Pg. 3187