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Item O02 02 BOARD OF COUNTY COMMISSIONERS COUNTY of MONROE �� i Mayor Holly Merrill Raschein,District 5 The Florida Keys Mayor Pro Tern James K.Scholl,District 3 Craig Cates,District 1 Michelle Lincoln,District 2 ' David Rice,District 4 Board of County Commissioners Meeting May 15, 2024 Agenda Item Number: 02 2023-2388 BULK ITEM: No DEPARTMENT: Risk Management TIME APPROXIMATE: STAFF CONTACT: Brian Bradley N/A AGENDA ITEM WORDING: Approval of renewal of Primary Windstorm Insurance Policy with a premium of$1,387,478.00 from Citizens Property Insurance Corporation and authorization for the Risk Manager to sign all necessary forms. ITEM BACKGROUND: 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 2023/2024 Master Property program provides Named Windstorm coverage with limits of$5 million and a deductible of $1 million per occurrence/per location. The program is supplemented by a Parametric policy that could provide an additional $5 million of coverage depending on where the storm crosses the County and wind speed. Citizens provides up to $1 million coverage for each building scheduled on the policy subject to a deductible that amounts to approximately 5% of the Insured Value of the building(s) damaged. The County paid an annual premium of$1,285,924 for their 2023/2024 Citizens Wind Policy which will expire on May 28, 2024. Citizens has issued their renewal notice for the 2024/2025 policy term reflecting a premium of $1,387,478 (+7.9%). It should be recognized that the County made significant changes to the schedule of locations being insured, which lowered the value of both buildings and contents. The following table summarizes the changes: Item Values as of Values as of 5/29/24 Decrease Percent 5/29/23 Decrease Buildings $31,756,079 $30,814,000 $(942,079) (3%) Contents $9,583,447 $6,978,526 $(2,604,921)(27%) Despite the reduction in values, Citizens has increased its premium by $101,554 (+7.9%). 3671 PREVIOUS RELEVANT BOCC ACTION: 4/19/2023 - BOCC approved renewal of 2023/24 Citizens Windstorm insurance. INSURANCE REQUIRED: No CONTRACT/AGREEMENT CHANGES: Insurance renewal. STAFF RECOMMENDATION: Approval to renew 24/25 Citizen Windstorm Insurance Policy. DOCUMENTATION: Citizens Windstorm Renewal FINANCIAL IMPACT: 503-08502 Risk Management Insurance. 3672 ARTHUR LUJAN SOUTHERNMOST INSURANCE AGENCY 1010 KENNEDY DR STE 300 KEY WEST, FL 33040 MONROE COUNTY, FLORIDA ATTN: BRIAN BRADLEY 1111 12TH STREET STE: 408 KEY WEST, FL 33040 3673 3674 INVR2 02 18 SOUTHERNMOST INSURANCE AGENCY 1010 KENNEDY DR STE 300 r CITIZENS KEY WEST FL 33040 PROPERTY INSURANCE CORPORATION Renewal Premium Invoice Invoice date: March 31, 2024 BILLED TO: Invoice Summary MONROE COUNTY, FLORIDA Amount Due $1,387,478.00 ATTN: BRIAN BRADLEY 1111 12TH STREET STE: 408 Payment Due May 29, 2024 KEY WEST, FL 33040 Current Payment Plan Full Pay See reverse side for payment options Policy Information Insured: MONROE COUNTY, FLORIDA Primary address: 535 33RD ST MARATHON, FL 33050-2301 Policy number: 00015845 Term: 11 Policy period: 05/29/24 to 05/29/25 Payment Plans At-a-Glance Renewal premium: $1,387,478.00 Initial Installment Installment Installment Payment Quarterly* $554991 $277496 $277496 $277495 emiarinual* $832487 $554991 j Contact your agent with questions Payment Due 05/29/24 08/29/24 12/02/ 44 02/28/25 or to change your payment plan *A 4 percent installment fee will be added to each Southernmost Insurance Agency installment following the initial payment 305-296-5052 (address at top of page) These payment plan amounts will differ if changes are made to your policy that increase or decrease premium. Please detach and submit this portion with your payment. *'9rrCITIZENS Payment Due: May 29, 2024 Policy Number: 00015845 Term: 11 Insured: MONROE COUNTY, FLORIDA Remit payment to: Amount Due $1,387,478.00 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. 0001584 5111720725268390013874 713675 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 Phone: 866.411.2742 **Checking and saving account ACH payments only. Online or Phone Payment Terms 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 submit 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. 3676 CITIZENS Acknowledgement of Potential Surcharge and Assessment Liability We are required by law to send you this notice to inform you about the potential for surcharges and assessments to be applied to your policy. 1. AS A POLICYHOLDER OF CITIZENS PROPERTY INSURANCE CORPORATION, I UNDERSTAND THAT IF THE CORPORATION SUSTAINS A DEFICIT AS A RESULT OF HURRICANE LOSSES OR FOR ANY OTHER REASON, MY POLICY COULD BE SUBJECT TO SURCHARGES AND ASSESSMENTS, WHICH WILL BE DUE AND PAYABLE UPON RENEWAL, CANCELLATION, OR TERMINATION OF THE POLICY, AND THAT THE SURCHARGES AND ASSESSMENTS COULD BE AS HIGH AS 25 PERCENT OF MY PREMIUM, OR A DIFFERENT AMOUNT AS IMPOSED BY THE FLORIDA LEGISLATURE. 2. 1 UNDERSTAND THAT I CAN AVOID THE CITIZENS POLICYHOLDER SURCHARGE, WHICH COULD BE AS HIGH AS 15 PERCENT OF MY PREMIUM, BY OBTAINING COVERAGE FROM A PRIVATE MARKET INSURER AND THAT TO BE ELIGIBLE FOR COVERAGE BY CITIZENS, I MUST FIRST TRY TO OBTAIN PRIVATE MARKET COVERAGE BEFORE APPLYING FOR OR RENEWING COVERAGE WITH CITIZENS. I UNDERSTAND THAT PRIVATE MARKET INSURANCE RATES ARE REGULATED AND APPROVED BY THE STATE. 3. 1 UNDERSTAND THAT I MAY BE SUBJECT TO EMERGENCY ASSESSMENTS TO THE SAME 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 BY THE FULL FAITH AND CREDIT OF THE STATE OF FLORIDA. More information regarding assessments and surcharges is available under the Policyholder section of our website, www.citizensfla.com. Citizens Property Insurance Corporation POLICYHOLDER ASSESSMENT EXAMPLE To illustrate the potential assessment obligation of a Citizens policyholder compared to a policyholder insured by a private insurer, we have prepared an example based on an annual 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 Tier 1: Potential Citizens Policyholder Surcharge (one-time assessment $3,750 N/A up to 15%of premium) Tier 2: Potential Emergency Assessment (up to 10% of premium $2,500 $2,500 annually, may apply for multiple years) Potential Annual Assessment: $6,250 $2,500 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 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 24 3677 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. Commercial Nonresidential Wind Only DECLARATIONS The coverage descriptions shown in your Declarations, such as your coverage limits (Limit Of Insurance), 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. If your policy insures one or more buildings, your renewal offer may include a higher or lower building Limit Of Insurance and/or Total Replacement Cost*than your current policy. This is due to changes in construction and labor costs. If there is more than one building insured on your policy, more than one building may have a lower Limit Of Insurance. If your renewal offer indicates a lower Limit Of Insurance and you prefer to renew your policy with no change in your current building(s) Limit Of Insurance, please contact your agent to determine whether such policy is available to you and, if so, to obtain the renewal premium quote for such policy. *For certain policy types, Citizens insures only the first $1 Million of coverage for a building with a replacement cost higher than these limits. While the replacement cost may have decreased, the Limit Of Insurance for these buildings may not be reduced on the enclosed renewal. The Limit Of Insurance and Total Replacement Cost for each building are reflected on the enclosed declarations. FLORIDA CHANGES, form CIT CNRW 01 25 12 23 (Former forms CIT CNRW 01 25 07 23 or CIT CNRW 01 25 02 23). This form changes other provisions in other forms in your policy. If this form is part of your policy, the following changes in this form are made: o Part O. - Loss Condition, paragraph 2.a. Alternative Dispute Resolution, Mediation is amended as follows: • The term"an `assignee' of the Policy benefits" is deleted throughout the mediation condition. • The provision "We are not, however, required to participate in any mediation requested by an `assignee' of the policy benefits." is deleted. o Part O. - Loss Condition, paragraph 2.b. Alternative Dispute Resolution, Appraisal is amended as follows: • The term"an `assignee' of the Policy benefits" is deleted throughout the appraisal condition. o Part P. - Loss Condition, paragraph E.3. (This is EA in form CP 00 18) Duties In the Event Of Loss Or Damage. The Duties Of An Insured (After a loss). The insured's duties after a loss are amended as follows: • The heading "Duties Of An Insured" is deleted. • The statement"An `assignment agreement' does not change the obligations to perform the duties required under this Policy." is deleted. • The term"`assignees' if any" is deleted. • The "Duties Of An Assignee" section of the Duties After Loss condition is deleted. • The heading "Application Of Duties" is deleted. CNRW1 0224 3678 o Part Q. —The first two paragraphs in paragraph (3) of the Loss Condition dealing with the number of days within which we must pay for covered loss or damage are amended to"Within 60 days of receiving notice of an initial, reopened, or supplemental property insurance claim, unless we deny the claim during that time or factors beyond our control. If a portion of the claim is denied, then the 60-day time period for payment of claim relates to the portion of the claim that is not denied." o Part V.—The Loss Condition Loss Payment"In no event will we make duplicate payments for the same element of loss because of the insured's failure to notify us of termination of the `assignment agreement'." is deleted. o Subsequent Parts are re-numbered. o Part CC. —The claim, supplemental claim and reopened claims reporting provisions are amended to decrease the time to report a claim, reopened claim, or supplemental claim to Citizens, which reflect changes in Florida law. (Section 627.70132, Florida Statutes). A claim or reopened claim is barred unless a notice of claim, reopened claim is given to us in accordance with the terms of the policy within 1 year after the date of loss. A supplemental claim is barred unless a notice of a supplemental claim is given to us in accordance with the terms of the policy within 18 months after the date of loss. o Part CC. —Under the Claim, Supplemental Claim or Reopened Claim policy condition, paragraph c. is amended to read "For claims resulting from `hurricane(s)', tornadoes, windstorms, severe rain, or other weather-related events, the date of loss is the date that the `hurricane' made landfall or the tornado, windstorm, severe rain, or other weather-related event is verified by the National Oceanic and Atmospheric Administration." o Part JJ. — H. Definitions. The "Assignment agreement" definition and the "Assignee" definition are deleted. o Part JJ. —H. Definitions.A definition of"hurricane" is added describing the duration of a "hurricane" as starting at the time a hurricane warning is issued for any part of Florida by the National Hurricane Center of the National Weather Service and ending 72 hours following the termination of the last hurricane watch or hurricane warning issued for any part of Florida by the National Hurricane Center of the National Hurricane Service. FLORIDA COMMERCIAL MOBILEHOME, form CIT MH 05 01 12 23 (Former forms CIT MH 05 01 07 23 or CIT MH 05 01 02 23). This form changes other provisions in other forms in your policy. If this form is part of your policy, the following changes in this form are made: o Part P. - Loss Condition, paragraph 2.a. Alternative Dispute Resolution, Mediation is amended as follows: • The term"an `assignee' of the Policy benefits" is deleted throughout the mediation condition. • The provision "We are not, however, required to participate in any mediation requested by an `assignee' of the policy benefits." is deleted. o Part P. - Loss Condition, paragraph 2.b. Alternative Dispute Resolution, Appraisal is amended as follows: • The term"an `assignee' of the Policy benefits" is deleted throughout the appraisal condition. o Part Q. - Loss Condition, paragraph E.3. (This is EA in form CP 00 18) Duties In the Event Of Loss Or Damage. The Duties Of An Insured (After a loss) The insured's duties after a loss are amended as follows: • The heading "Duties Of An Insured" is deleted. • The statement"An `assignment agreement' does not change the obligations to perform the duties required under this Policy." is deleted. • The term"`assignees' if any" is deleted. • The "Duties Of An Assignee" section of the Duties After Loss condition is deleted. • The heading "Application Of Duties" is deleted. o Part R. — The first two paragraphs in paragraph (3) of the Loss Condition dealing with the number of days within which we must pay for covered loss or damage are amended to"Within 60 days of receiving notice of an initial, reopened, or supplemental property insurance claim, unless we deny the claim during that time or factors beyond our control. If a portion of the claim is denied, then the 60-day time period for payment of claim relates to the portion of the claim that is not denied." 2 CNRW1 0224 3679 o Part W. — The Loss Condition Loss Payment "In no event will we make duplicate payments for the same element of loss because of the insured's failure to notify us of termination of the `assignment agreement'." is deleted. o Subsequent Parts are re-numbered. o Part DD. —The claim, supplemental claim and reopened claims reporting provisions are amended to decrease the time to report a claim, reopened claim, or supplemental claim to Citizens, which reflect changes in Florida law. (Section 627.70132, Florida Statutes). A claim or reopened claim is barred unless a notice of claim, reopened claim is given to us in accordance with the terms of the policy within 1 year after the date of loss. A supplemental claim is barred unless a notice of a supplemental claim is given to us in accordance with the terms of the policy within 18 months after the date of loss. o Part DD. —Under the Claim, Supplemental Claim or Reopened Claim policy condition, paragraph c. is amended to read "For claims resulting from `hurricane(s)', tornadoes, windstorms, severe rain, or other weather-related events, the date of loss is the date that the `hurricane' made landfall or the tornado, windstorm, severe rain, or other weather-related event is verified by the National Oceanic and Atmospheric Administration." o Part II. — H. Definitions. The "Assignment agreement" definition and the "Assignee" definition are deleted. o Part II. — H. Definitions. A definition of"hurricane" is added describing the duration of a "hurricane" as starting at the time a hurricane warning is issued for any part of Florida by the National Hurricane Center of the National Weather Service and ending 72 hours following the termination of the last hurricane watch or hurricane warning issued for any part of Florida by the National Hurricane Center of the National Hurricane Service. FLORIDA CHANGES—BUILDERS RISK, form CIT BR 01 25 12 23 (Former forms CIT BR 01 25 07 23 or CIT BR 01 25 02 23). This form changes other provisions in other forms in your policy. If this form is part of your policy, the following changes in this form are made: o Part E. - Loss Condition, paragraph E.2.a. Alternative Dispute Resolution, Mediation is amended as follows: • The term"an `assignee' of the Policy benefits" is deleted throughout the mediation condition. • The provision "We are not, however, required to participate in any mediation requested by an `assignee' of the policy benefits." is deleted. o Part E. - Loss Condition, paragraph E.2.b. Alternative Dispute Resolution, Appraisal is amended as follows: • The term"an `assignee' of the Policy benefits" is deleted throughout the appraisal condition. o Part F. - Loss Condition, paragraph E.3. (This is EA in form CP 00 18) Duties In the Event Of Loss Or Damage. The Duties Of An Insured (After a loss) The insured's duties after a loss are amended as follows: • The heading "Duties Of An Insured" is deleted. • The statement"An `assignment agreement' does not change the obligations to perform the duties required under this Policy." is deleted. • The term"`assignees' if any" is deleted. • The "Duties Of An Assignee" section of the Duties After Loss condition is deleted. • The heading "Application Of Duties" is deleted. o Part P. — The claim, supplemental claim and reopened claims reporting provisions are amended to decrease the time to report a claim, reopened claim, or supplemental claim to Citizens, which reflect changes in Florida law. (Section 627.70132, Florida Statutes). A claim or reopened claim is barred unless a notice of claim, reopened claim is given to us in accordance with the terms of the policy within 1 year after the date of loss. A supplemental claim is barred unless a notice of a supplemental claim is given to us in accordance with the terms of the policy within 18 months after the date of loss. o Part P. — Under the Claim, Supplemental Claim or Reopened Claim policy condition, paragraph c. is amended to read "For claims resulting from `hurricane(s)', tornadoes, windstorms, severe rain, or other weather-related events, the date of loss is the date that the `hurricane' made landfall or the tornado, windstorm, severe rain, or other weather-related event is verified by the National Oceanic and Atmospheric Administration." 3 CNRW1 0224 3680 o Part R. — G. Definitions. The "Assignment agreement" definition and the "Assignee" definition are deleted. o Part R. —G. Definitions. A definition of"hurricane" is added describing the duration of a "hurricane" as starting at the time a hurricane warning is issued for any part of Florida by the National Hurricane Center of the National Weather Service and ending 72 hours following the termination of the last hurricane watch or hurricane warning issued for any part of Florida by the National Hurricane Center of the National Hurricane Service. Florida Changes—Cancellation And Nonrenewal, form CIT W02 55 12 23 (Former form CIT W02 55 02 19) If this form is part of your policy, the form has been changed as follows: o A provision is added to denote all cancellation provisions found in the Common Policy Conditions form (IL 00 17) in your policy are deleted and made part of this endorsement CIT W02 55. o Under the Cancellation condition, edits and reformatting are made to enhance the sequence of provisions and to accommodate changes resulting from 2023 Florida Law changes. Other changes are made as follows: • A cancellation provision is introduced stipulating when a policy has been in effect for 90 days or less, we may immediately cancel the policy for misrepresentation or failure to comply with underwriting requirements established by us before effectuation of coverage that, prior to the date of application, the risk was most recently insured by an insurer that has been placed in receivership under Chapter 631. • Paragraph 3. "We will mail or deliver our notice to the first Named Insured's last mailing address known to us." is added. • Paragraph 4. "Notice of cancellation will state the effective date of cancellation. The policy period will end on that date." is added. • The number of days a policy has been in effect, in which we may cancel a policy, is amended from 90 days to 60 days in appropriate provisions of the cancellation condition. • The term"its contents" is amended to "residential property". o Under the Nonrenewal condition E., changes resulting from 2023 Florida Law changes are made as follows: • The term"its contents" is amended to "residential property". o Under the Limitations On Cancellation And Nonrenewal In The Event Of Hurricane Or Wind Loss — Residential Property condition F., changes resulting from 2023 Florida Law changes are made as follows: • The state of emergency cancellation provision is amended to reflect that we may not cancel or nonrenew for a period of 90 days after the covered dwelling or covered residential property has been repaired, if such property has been damaged as a result of a hurricane that is the subject of a declaration of emergency. • A provision is added stating we may not cancel or nonrenew until the earlier of when the covered dwelling or covered residential property has been repaired or 1 year after we issue the final claim payment, if such property was damaged by any covered peril,other than damage from a hurricane. • A provision is added to denote when a structure is deemed repaired. • The provision "b. We may cancel or nonrenew the policy prior to restoration of the structure or its contents for any of the following reasons:"is amended to"b.We may cancel or nonrenew the policy prior to the repair of the residential structure or residential property for any of the following reasons:" • The provision b.(3) "We determine that you have unreasonably caused a delay in the repair of the structure; or" is amended to "We determine that you have unreasonably caused a delay in the repair of the residential structure or residential property; or" • The paragraph "a. Except as provided in Paragraph F.1.b., we may not cancel or nonrenew the policy until at least 90 days after repairs to the residential structure or its contents have been substantially completed so that it is restored to the extent that it is insurable by another insurer writing policies in Florida." is deleted. • A provision 2.c. is added describing who and how we will deliver a cancellation or nonrenewal notice. 4 CNRW1 0224 3681 • A provision is added describing that for"all other nonrenewals, we will give the first named insured at least 120 days written notice before the expiration of this Policy." • Paragraph F. 2. is amended to "With respect to a policy covering a residential structure or residential property, any cancellation or nonrenewal that would otherwise take effect during the duration of a `hurricane' will not take effect until the end of the duration of such `hurricane', unless a replacement policy has been obtained and is in effect for a claim occurring during the duration of the `hurricane'. We shall be entitled to collect premium for the period of time the policy remains in effect." • The provision describing the duration of a hurricane is deleted. Windstorm Or Hail Percentage Deductible, form CIT 03 21 12 23 (Former form CIT 03 21 01 14). If this form is part of your policy, the form has been changed as follows: o The terms "or by a `hurricane"', "or `hurricane"', "or to each occurrence of a `hurricane"', "or any one occurrence of `hurricane"', "or covered `hurricane"' and "or covered `hurricane' losses" are added throughout the form. o The terms "(CP 10 10)" and "(CIT W10 10)" are added throughout the form to better denote the form numbers of the referenced Cause Of Loss endorsements. Windstorm Protective Devices", form CIT 12 09 12 23 (Former form CP 12 09 09 95). If this form is part of your policy, the form has been changed as follows: o The Schedule section and the term"DESCRIBED PREMISES" are deleted. o The term"'Windstorm' loss caused by a `hurricane';" is added. o For purposes of paragraph B.2., a windstorm" definition of"Windstorm" means wind, wind gusts, hail, rain, tornadoes, or cyclones caused by or resulting from a `hurricane'." is added. o The term "* Information required to complete this Schedule, if not shown on this endorsement, will be shown in the Declarations." is deleted. Florida Changes— Legal Action Against Us, form CIT 01 75 07 23 (Former form CIT 01 75 02 20) o The form is amended to delete provisions regarding "assignee" and to delete the "Suit by an assignee" part of the condition. o Paragraph 2. is amended to read: "No action can be brought against us; unless: 2. There has been full compliance with all of the terms of this Policy." (The term"applicable to an `insured"' is deleted). o The last two paragraphs in the form delineating application of various policy forms are deleted. Florida Changes— Residential Condominium Associations, form CIT 01 91 01 14 If this form has been made part of your policy,the form more explicitly expresses coverage applicable to a residential condominium written in a nonresidential commercial program. 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. 5 CNRW1 0224 3682 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY POLICY NUMBER: 00015845-11 POLICY PERIOD FROM 05/29/2024 TO 05/29/2025 at 12:01 a.m. Eastern Time Transaction: RENEWAL Item Prior Policy Information Amended Policy Information Locations and Buildings 10:50 HIGH POINT RD 1:TWO STORY 4 UNIT WIND RESISTIVE GOVERNMENTAL CENTER Coverages Building Coverage Most Recent Inflation Amount Ext 835000.00 Most Recent Inflation Amt TRC Ext 5219000.00 5125000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $5,219,000 $5,125,000 Hurricane, Other Windstorm or Hail Deductible Amount $260,950 $256,250 Roof Remaining Useful Life(Years) 1 0 11: 151 MARINE AVE 1:ONE STORY WIND RESISTIVE FIRE AND AMBULANCE STATION Coverages Building Coverage Most Recent Inflation Amount Ext 872000.00 Most Recent Inflation Amt TRC Ext 1707000.00 1676000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $1,707,000 $1,676,000 Hurricane, Other Windstorm or Hail Deductible Amount $85,350 $83,800 12:3981 OCEAN TERR 1:ONE STORY WR JAIL Coverages Building Coverage Limit 908,079 908,000 Most Recent Inflation Amount Ext 892000.00 Most Recent Inflation Amt TRC Ext 1601000.00 1572000.00 Business Personal Property Coverage Limit 91,921 92,000 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $1,601,000 $1,572,000 Hurricane, Other Windstorm or Hail Deductible Amount $80,050 $78,600 BPP Coverage: Hurricane, Other Windstorm or Hail $4,596 $4,600 Deductible Amount BPP Coverage:Total Actual Cash Value $91,921 $92,000 13:2798 OVERSEAS HWY 1:TWO STORY 10 UNIT WIND RESISTIVE COUNTY OFFICE 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 Page 1 of 113683 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-11 Effective Date: 05/29/2024 to 05/29/2025 Item Prior Policy Information Amended Policy Information Building Coverage Most Recent Inflation Amount Ext 786000.00 Most Recent Inflation Amt TRC Ext 4391000.00 4312000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $4,391,000 $4,312,000 Hurricane, Other Windstorm or Hail Deductible Amount $219,550 $215,600 Roof Remaining Useful Life(Years) 7 6 14:3103 OVERSEAS HWY 1:ONE STORY 3 UNIT MASONRY COURTHOUSE/POLICE SUBSTATION Coverages Building Coverage Most Recent Inflation Amount Ext 769000.00 Most Recent Inflation Amt TRC Ext 1788000.00 1756000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $1,788,000 $1,756,000 Hurricane, Other Windstorm or Hail Deductible Amount $89,400 $87,800 Primary Roof Covering Material Tiles: Clay or Concrete Built Up:Membrane Year of Last Primary Roof Update/Replacement 1973 2022 Roof Remaining Useful Life(Years) 0 15:3117 OVERSEAS HWY 1:ONE STORY WIND RESISTIVE SUB-COURTHOUSE BLDG Coverages Building Coverage Most Recent Inflation Amount Ext 799000.00 Most Recent Inflation Amt TRC Ext 1340000.00 1316000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $1,340,000 $1,316,000 Hurricane, Other Windstorm or Hail Deductible Amount $67,000 $65,800 16:81830 OVERSEAS HWY 1:ONE STORY MASONRY LIBRARY Coverages Building Coverage Most Recent Inflation Amount Ext 560000.00 Most Recent Inflation Amt TRC Ext 1318000.00 1294000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $1,318,000 $1,294,000 Hurricane, Other Windstorm or Hail Deductible Amount $65,900 $64,700 17: Marathon Airport Address Line 1 8000 Overseas Hwy 9400 OVERSEAS HWY 1:TWO STORY SWR AIRPORT TERMINAL Coverages Building Coverage Most Recent Inflation Amount Ext 884000.00 Most Recent Inflation Amt TRC Ext 6417000.00 6301000.00 Inflation Factor Override Ext No Yes 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 Page 2 of 113684 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-11 Effective Date: 05/29/2024 to 05/29/2025 Item Prior Policy Information Amended Policy Information Building Coverage:Total Replacement Cost $6,417,000 $6,301,000 Hurricane, Other Windstorm or Hail Deductible Amount $320,850 $315,050 Year of Last Primary Roof Update/Replacement 1995 2022 2:AIRCRAFT HANGER-8000 OS Coverages Building Coverage Limit 690,000 703,000 Most Recent Inflation Amount Ext 690000.00 703000.00 Most Recent Inflation Amt TRC Ext 690000.00 703000.00 Building Coverage:Total Replacement Cost $690,000 $703,000 Hurricane, Other Windstorm or Hail Deductible Amount $34,500 $35,150 Description AIRCRAFT HANGER AIRCRAFT HANGER-8000 OS 3:AIRCRAFT HANGER-8000 OS Coverages Building Coverage Limit 690,000 703,000 Most Recent Inflation Amount Ext 690000.00 703000.00 Most Recent Inflation Amt TRC Ext 690000.00 703000.00 Building Coverage:Total Replacement Cost $690,000 $703,000 Hurricane, Other Windstorm or Hail Deductible Amount $34,500 $35,150 Description AIRCRAFT HANGER AIRCRAFT HANGER-8000 OS 4:AIRCRAFT HANGERAIRCRAFT HANGER-8000 OS Coverages Building Coverage Limit 690,000 703,000 Most Recent Inflation Amount Ext 690000.00 703000.00 Most Recent Inflation Amt TRC Ext 690000.00 703000.00 Building Coverage:Total Replacement Cost $690,000 $703,000 Hurricane, Other Windstorm or Hail Deductible Amount $34,500 $35,150 Description AIRCRAFT HANGER AIRCRAFT HANGERAIRCRAFT HANGER-8000 OS 5:T-4 Hangar-8000 OS Coverages Building Coverage Most Recent Inflation Amount Ext 1000000.00 982000.00 Most Recent Inflation Amt TRC Ext 1065000.00 1046000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $1,065,000 $1,046,000 Hurricane, Other Windstorm or Hail Deductible Amount $53,250 $52,300 Description T-4 Hangar T-4 Hangar-8000 OS BCEG 03 Ungraded Roof Remaining Useful Life(Years) 22 21 18: 10100 OVERSEAS HWY 1:ONE STORY MAS AIRCRAFT HANGER#2 Coverages Building Coverage Most Recent Inflation Amount Ext 933000.00 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 Page 3 of 113685 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-11 Effective Date: 05/29/2024 to 05/29/2025 Item Prior Policy Information Amended Policy Information Most Recent Inflation Amt TRC Ext 2042000.00 2005000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $2,042,000 $2,005,000 Hurricane, Other Windstorm or Hail Deductible Amount $102,100 $100,250 2:AIRCRAFT HANGER Coverages Building Coverage Limit 512,000 522,000 Most Recent Inflation Amount Ext 512000.00 522000.00 Most Recent Inflation Amt TRC Ext 512000.00 522000.00 Building Coverage:Total Replacement Cost $512,000 $522,000 Hurricane, Other Windstorm or Hail Deductible Amount $25,600 $26,100 19: 101485 OVERSEAS HWY Location Num 20 19 1:ONE STORY SWR LIBRARY Coverages Building Coverage Most Recent Inflation Amount Ext 491000.00 Most Recent Inflation Amt TRC Ext 2721000.00 2672000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $2,721,000 $2,672,000 Hurricane, Other Windstorm or Hail Deductible Amount $136,050 $133,600 19:88820 OVERSEAS HWY Added Deleted 1:535 33RD ST 1:ONE STORY MASONRY AARP BUILDING K/A MELVIN LOVITT SENIOR CITIZEN BUILDING Coverages Building Coverage Limit 420,000 428,000 Most Recent Inflation Amount Ext 420000.00 428000.00 Most Recent Inflation Amt TRC Ext 420000.00 428000.00 Building Coverage:Total Replacement Cost $420,000 $428,000 Hurricane, Other Windstorm or Hail Deductible Amount $21,000 $21,400 20: 1100 SIMONTON ST Location Num 21 20 1:TWO STORY 8 UNIT WR OFFICE BLDG Coverages Building Coverage Most Recent Inflation Amount Ext 982000.00 Most Recent Inflation Amt TRC Ext 8333000.00 8183000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $8,333,000 $8,183,000 Hurricane, Other Windstorm or Hail Deductible Amount $416,650 $409,150 Roof Remaining Useful Life(Years) 4 3 21:3491 ROOSEVELT BLVD S Location Num 22 21 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 Page 4 of 113686 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-11 Effective Date: 05/29/2024 to 05/29/2025 Item Prior Policy Information Amended Policy Information 1:ONE STORY 3 UNIT SWR BUS TERMINAL/AIRPORT TERMINAL BLVD Coverages Building Coverage Most Recent Inflation Amount Ext 982000.00 Most Recent Inflation Amt TRC Ext 1988000.00 1952000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $1,988,000 $1,952,000 Hurricane, Other Windstorm or Hail Deductible Amount $99,400 $97,600 2:TWO STORY WIND RESISTIVE BUS TERMINAL Coverages Building Coverage Most Recent Inflation Amount Ext 982000.00 Most Recent Inflation Amt TRC Ext 8160000.00 8013000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $8,160,000 $8,013,000 Hurricane, Other Windstorm or Hail Deductible Amount $408,000 $400,650 Roof Remaining Useful Life(Years) 4 3 22:3583 S ROOSEVELT BLVD Location Num 23 22 1:ONE STORY MASONRY COUNTY GARAGE BLVD Coverages Building Coverage Limit 494,000 503,000 Most Recent Inflation Amount Ext 494000.00 503000.00 Most Recent Inflation Amt TRC Ext 494000.00 503000.00 Building Coverage:Total Replacement Cost $494,000 $503,000 Hurricane, Other Windstorm or Hail Deductible Amount $24,700 $25,150 Roof Remaining Useful Life(Years) 4 3 23: 1200 Truman Ave Location Num 24 23 1:TWO STORY 5 UNIT WR OFFICE BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 680000.00 Most Recent Inflation Amt TRC Ext 6377000.00 6262000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $6,377,000 $6,262,000 Hurricane, Other Windstorm or Hail Deductible Amount $318,850 $313,100 Roof Remaining Useful Life(Years) 1 0 24:500 WHITEHEAD ST Location Num 25 24 1:TWO STORY 13 UNIT MASONRY COURT HOUSE ANNEX Coverages Building Coverage Most Recent Inflation Amount Ext 491000.00 Most Recent Inflation Amt TRC Ext 8490000.00 8337000.00 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 Page 5 of 113687 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-11 Effective Date: 05/29/2024 to 05/29/2025 Item Prior Policy Information Amended Policy Information Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $8,490,000 $8,337,000 Hurricane, Other Windstorm or Hail Deductible Amount $424,500 $416,850 25:530 WHITEHEAD ST Location Num 26 25 1:THREE STORY 4 UNIT WIND RESISTIVE JUSTICE BLDG Coverages Building Coverage Most Recent Inflation Amount Ext 786000.00 Most Recent Inflation Amt TRC Ext 7651000.00 7513000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $7,651,000 $7,513,000 Hurricane, Other Windstorm or Hail Deductible Amount $382,550 $375,650 26:938 WHITEHEAD ST Location Num 27 26 1:ONE STORY FRAME MUSEUM Coverages Building Coverage Limit 590,000 601,000 Most Recent Inflation Amount Ext 590000.00 601000.00 Most Recent Inflation Amt TRC Ext 590000.00 601000.00 Building Coverage:Total Replacement Cost $590,000 $601,000 Hurricane, Other Windstorm or Hail Deductible Amount $29,500 $30,050 27:700 FLEMING ST Location Num 28 27 1:ONE STORY MASONRY LIBRARY Coverages Building Coverage Most Recent Inflation Amount Ext 393000.00 Most Recent Inflation Amt TRC Ext 3092000.00 3036000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $3,092,000 $3,036,000 Hurricane, Other Windstorm or Hail Deductible Amount $154,600 $151,800 28:20950 OVERSEAS HWY Location Num 29 28 1:ONE STORY MASONRY SHERIFF SUBSTATION/FIRE STATION LOC: Coverages Building Coverage Limit 437,000 445,000 Most Recent Inflation Amount Ext 437000.00 445000.00 Most Recent Inflation Amt TRC Ext 437000.00 445000.00 Building Coverage:Total Replacement Cost $437,000 $445,000 Hurricane, Other Windstorm or Hail Deductible Amount $21,850 $22,250 Roof Remaining Useful Life(Years) 4 3 29: Sheriffs dispatch office Location Num 30 29 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 Page 6 of 113688 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-11 Effective Date: 05/29/2024 to 05/29/2025 Item Prior Policy Information Amended Policy Information 2:490 63RD ST 1:ONE STORY SWR GOVERNMENT CENTER ANNEX Coverages Building Coverage Most Recent Inflation Amount Ext 953000.00 Most Recent Inflation Amt TRC Ext 1950000.00 1915000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $1,950,000 $1,915,000 Hurricane, Other Windstorm or Hail Deductible Amount $97,500 $95,750 30:5655 MACDONALD AVE Location Num 31 30 1:TWO STORY SWR Stock Island Fire Station Coverages Building Coverage Most Recent Inflation Amount Ext 982000.00 Most Recent Inflation Amt TRC Ext 2092000.00 2054000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $2,092,000 $2,054,000 Hurricane, Other Windstorm or Hail Deductible Amount $104,600 $102,700 31: 10330 Overseas Hwy Location Num 32 31 1:One Story Aircraft Hangar Coverages Building Coverage Most Recent Inflation Amount Ext 982000.00 Most Recent Inflation Amt TRC Ext 2231000.00 2191000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $2,231,000 $2,191,000 Hurricane, Other Windstorm or Hail Deductible Amount $111,550 $109,550 32:88770 OVERSEAS HWY Location Num 33 32 1: PK Courthouse&Detention Ctr Coverages Building Coverage Most Recent Inflation Amount Ext 982000.00 Most Recent Inflation Amt TRC Ext 16778000.00 16476000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $16,778,000 $16,476,000 Hurricane, Other Windstorm or Hail Deductible Amount $838,900 $823,800 33:22352 OVERSEAS HWY Cudjoe Fire Station Location Num 34 33 1: Fire Station 11 Coverages Building Coverage Most Recent Inflation Amount Ext 982000.00 Most Recent Inflation Amt TRC Ext 3836000.00 3767000.00 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 Page 7 of 113689 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-11 Effective Date: 05/29/2024 to 05/29/2025 Item Prior Policy Information Amended Policy Information Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $3,836,000 $3,767,000 Hurricane, Other Windstorm or Hail Deductible Amount $191,800 $188,350 34:3490 OVERSEAS HWY Location Num 35 34 1: Library&Adult Ctr Coverages Building Coverage Most Recent Inflation Amount Ext 982000.00 Most Recent Inflation Amt TRC Ext 5861000.00 5756000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $5,861,000 $5,756,000 Hurricane, Other Windstorm or Hail Deductible Amount $293,050 $287,800 35:6751 5TH ST Bernstein Park Recreation Location Num 36 35 1:Clubhouse/Recreation(no outdoor equipment) Coverages Building Coverage Most Recent Inflation Amount Ext 982000.00 Most Recent Inflation Amt TRC Ext 3114000.00 3058000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $3,114,000 $3,058,000 Hurricane, Other Windstorm or Hail Deductible Amount $155,700 $152,900 2: Utility/Shop Building Coverages Building Coverage Limit 167,000 170,000 Most Recent Inflation Amount Ext 167000.00 170000.00 Most Recent Inflation Amt TRC Ext 167000.00 170000.00 Building Coverage:Total Replacement Cost $167,000 $170,000 Hurricane, Other Windstorm or Hail Deductible Amount $8,350 $8,500 3: 10600 AVIATION BLVD 1:ONE STORY MASONRY COUNTY OFFICE Coverages Building Coverage Limit 370,000 377,000 Most Recent Inflation Amount Ext 370000.00 377000.00 Most Recent Inflation Amt TRC Ext 370000.00 377000.00 Building Coverage:Total Replacement Cost $370,000 $377,000 Hurricane, Other Windstorm or Hail Deductible Amount $18,500 $18,850 Primary Roof Covering Material Built Up:3-ply,Tar and Gravel, Metal or Modified Bitumen Year of Last Primary Roof Update/Replacement 1990 2015 Roof Remaining Useful Life(Years) 2 2:ONE STORY MASONRY FLEET MAINTENANCE FACILITY 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 Page 8 of 113690 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-11 Effective Date: 05/29/2024 to 05/29/2025 Item Prior Policy Information Amended Policy Information Most Recent Inflation Amount Ext 929000.00 Most Recent Inflation Amt TRC Ext 1533000.00 1505000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $1,533,000 $1,505,000 Hurricane, Other Windstorm or Hail Deductible Amount $76,650 $75,250 Year of Last Primary Roof Update/Replacement 1995 2013 5:5200 COLLEGE ROAD 1:ONE STORY MASONRY HOMES FOR THE AGED Coverages Building Coverage Most Recent Inflation Amount Ext 951000.00 Most Recent Inflation Amt TRC Ext 1747000.00 1716000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $1,747,000 $1,716,000 Hurricane, Other Windstorm or Hail Deductible Amount $87,350 $85,800 7:5525 COLLEGE RD 1:THREE STORY WIND RESISTIVE SHERIFF'S ADMINISTRATION BLDG Coverages Building Coverage Most Recent Inflation Amount Ext 491000.00 Most Recent Inflation Amt TRC Ext 7207000.00 7077000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $7,207,000 $7,077,000 Hurricane, Other Windstorm or Hail Deductible Amount $360,350 $353,850 8: 10 CONCH AVE 1:TWO STORY WR FIRE STATION Coverages Building Coverage Most Recent Inflation Amount Ext 925000.00 Most Recent Inflation Amt TRC Ext 1564000.00 1536000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $1,564,000 $1,536,000 Hurricane, Other Windstorm or Hail Deductible Amount $78,200 $76,800 9:28 EMERALD DR 1:TWO STORY WIND RESISTIVE BIG COPPITT FIRE SAFETY FACILITY Coverages Building Coverage Most Recent Inflation Amount Ext 982000.00 Most Recent Inflation Amt TRC Ext 1609000.00 1580000.00 Inflation Factor Override Ext No Yes Building Coverage:Total Replacement Cost $1,609,000 $1,580,000 Hurricane, Other Windstorm or Hail Deductible Amount $80,450 $79,000 Primary Roof Covering Material Built Up:3-ply,Tar and Gravel, Metal or Modified Bitumen Year of Last Primary Roof Update/Replacement 1995 2022 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 Page 9 of 113691 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-11 Effective Date: 05/29/2024 to 05/29/2025 Item Prior Policy Information Amended Policy Information 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 Page 10 of 113692 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS POLICY NUMBER: 00015845- 11 POLICY PERIOD FROM 05/29/2024 TO 05/29/2025 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 ARTHUR LUJAN A160070 ATTN: Brian Bradley Southernmost Insurance Agency 1111 12th Street Ste: 408 1010 KENNEDY DR STE 300 KEY WEST, FL 33040 KEY WEST, FL 33040 Telephone: 305-295-3177 Telephone: 305-296-5052 IN RETURN FOR THE PAYMENT OF THE PREMIUM,AND SUBJECT TO ALL THE TERMS OF THIS POLICY,WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE FOR WHICH A PREMIUM IS INDICATED.THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENTS. PREMIUM COMMERCIAL PROPERTY COVERAGE $1,178,325.00 Required Additional Charges: 2023-A Florida Insurance Guaranty Association (FICA) Emergency Assessment $11,783.00 Catastrophe Financing Surcharge $176,749.00 Tax-Exempt Surcharge $20,621.00 TOTAL: $1,387,478.00 See Form CDEC-FE-SCH—Commercial Policy Forms And Endorsements Schedule Countersigned: 04/01/2024 Authorized By:ARTHUR LUJAN BY: Issued Date: 04/01/2024 Timothy M.Cerio President/CEO and Executive Director Citizens Property Insurance Corporation CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 45 with its permission. 3693 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 1 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0843 BUSINESS DESCRIPTION:Auditoriums and Halls DESCRIPTION OF PREMISES 1: 535 33RD ST ONE STORY MASONRY AARP BUILDING K/A MELVIN LOVITT SENIOR CITIZEN BUILDING Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 535 33RD ST N/A Masonry N/A Ungraded MARATHON, FL 33050-2301 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $428,000 Wind $428,000 Class $9,726.00 No Business Personal Property(BPP) $31,100 Wind $31,100 Class $676.00 No Your coverage limits have been adjusted for inflation. OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($21,400) BPP: 5%($1,555) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1926 N/A N/A Connection N/A N/A 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. PREMIUM: $10,402.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 2 of 45 with its permission. 3694 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.2 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION: Offices-Non-Governmental DESCRIPTION OF PREMISES 2: 490 63RD ST ONE STORY SWR GOVERNMENT CENTER ANNEX Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 490 63RD ST N/A Semi Wind Resistive N/A Ungraded MARATHON, FL 33050 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $970,000 Wind $1,915,000 Class $21,262.00 Yes Business Personal Property(BPP) $30,000 Wind $30,000 Class $408.00 No 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%($95,750) BPP: 5%($1,500) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1937 N/A N/A Connection N/A N/A 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. PREMIUM: $21,670.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 45 with its permission. 3695 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 3 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION: Offices-Non-Governmental DESCRIPTION OF PREMISES 3: 10600 AVIATION BLVD ONE STORY MASONRY COUNTY OFFICE Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 10600 AVIATION BLVD N/A Masonry N/A Ungraded MARATHON, FL 33050-3058 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $377,000 Wind $377,000 Class $8,568.00 No Business Personal Property(BPP) $62,400 Wind $62,400 Class $1,356.00 No Your coverage limits have been adjusted for inflation. OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($18,850) BPP: 5%($3,120) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1990 N/A N/A Connection N/A N/A 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. PREMIUM: $9,924.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 4 of 45 with its permission. 3696 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 3 BUILDING OR SPECIAL CLASS ITEM NO.2 CSP Code: 0932 BUSINESS DESCRIPTION:Automobile Repair or Service Shops-Auto glass replacement, battery replacement, brake adjustment, tire changing,tune ups (points, plugs and carburetor adjustment)oil changing, lubrications, speedometer adjustments and similar services. DESCRIPTION OF PREMISES 3: 10600 AVIATION BLVD ONE STORY MASONRY FLEET MAINTENANCE FACILITY Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 10600 AVIATION BLVD N/A Masonry N/A Ungraded MARATHON, FL 33050-3058 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $946,000 Wind $1,505,000 Class $26,358.00 Yes Business Personal Property(BPP) $54,000 Wind $54,000 Class $1,174.00 No 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%($75,250) BPP: 5%($2,700) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 N/A N/A Connection N/A N/A 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. PREMIUM: $27,532.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 5 of 45 with its permission. 3697 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.4 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION: Offices-Non-Governmental DESCRIPTION OF PREMISES 4: 6 COCO PLUM RD CONTENTS OF SHERIFF'S SUBSTATION IN A TWO STORY MASONRY BLDG Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 6 COCO PLUM DR N/A Masonry N/A Ungraded MARATHON, FL 33050-4013 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Limit Of Causes BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Business Personal Property(BPP) $259,300 Wind $259,300 Class $5,638.00 No OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) BPP: 5%($12,965) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 N/A N/A Connection N/A N/A 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. PREMIUM: $5,638.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 6 of 45 with its permission. 3698 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 5 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0852 BUSINESS DESCRIPTION: Health Care Facilities-Homes for the aged and homes for the physically handicapped or orphaned DESCRIPTION OF PREMISES 5: 5200 COLLEGE ROAD ONE STORY MASONRY HOMES FOR THE AGED Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 5200 COLLEGE RD N/A Masonry N/A Ungraded KEY WEST, FL 33040-4302 Group I Territory Group II Territory Coastal Territory No.of Units 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 Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $968,000 Wind $1,716,000 Class $15,360.00 Yes Business Personal Property(BPP) $32,000 Wind $32,000 Class $253.00 No 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%($85,800) BPP: 5%($1,600) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1989 N/A N/A Connection N/A N/A 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. PREMIUM: $15,613.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 7 of 45 with its permission. 3699 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.6 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1000 BUSINESS DESCRIPTION: Governmental Subdivisions-Jails DESCRIPTION OF PREMISES 6: 5501 COLLEGE RD CONTENTS IN A TWO STORY WIND RESISTIVE BLDG OCCUPIED AS A JAIL AND OFFICE Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 5501 COLLEGE RD N/A Wind Resistive N/A Ungraded STOCK ISLAND, FL 33040-4307 Group I Territory Group II Territory Coastal Territory No.of Units 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 Limit Of Causes BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Business Personal Property(BPP) $1,000,000 Wind $1,000,000 Class $7,726.00 No OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) BPP: 5%($50,000) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 N/A N/A Connection N/A N/A 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. PREMIUM: $7,726.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 8 of 45 with its permission. 3700 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 7 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION: Offices-Non-Governmental DESCRIPTION OF PREMISES 7: 5525 COLLEGE RD THREE STORY WIND RESISTIVE SHERIFF'S ADMINISTRATION BLDG Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 5525 COLLEGE RD N/A Wind Resistive N/A Ungraded STOCK ISLAND, FL 33040-4307 Group I Territory Group II Territory Coastal Territory No.of Units 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 Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $500,000 Wind $7,077,000 Class $25,654.00 Yes Business Personal Property(BPP) $500,000 Wind $1,562,786 Class $8,334.00 Yes 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%($353,850) BPP: 5%($78,139) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 N/A N/A Connection N/A N/A 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. PREMIUM: $33,988.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 9 of 45 with its permission. 3701 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 8 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1070 BUSINESS DESCRIPTION: Firehouses DESCRIPTION OF PREMISES 8: 10 CONCH AVE TWO STORY WR FIRE STATION Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 10 S CONCH AVE N/A Wind Resistive N/A Ungraded CONCH KEY, FL 33050-6910 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $942,000 Wind $1,536,000 Class $11,586.00 Yes Business Personal Property(BPP) $58,000 Wind $58,000 Class $532.00 No 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%($76,800) BPP: 5%($2,900) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1950 N/A N/A Connection N/A N/A 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. PREMIUM: $12,118.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 10 of 45 with its permission. 3702 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 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 FIRE SAFETY FACILITY Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 28 EMERALD DR N/A Wind Resistive N/A 04 KEY WEST, FL 33040-5636 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss Building(Bldg) $1,000,000 Wind $1,580,000 Class $11,250.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($79,000) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 N/A N/A Connection N/A N/A 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. PREMIUM: $11,250.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 11 of 45 with its permission. 3703 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 10 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION: Offices-Non-Governmental DESCRIPTION OF PREMISES 10: 50 HIGH POINT RD TWO STORY 4 UNIT WIND RESISTIVE GOVERNMENTAL CENTER Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 50 HIGH POINT RD N/A Wind Resistive N/A Ungraded TAVERNIER, FL 33070-2022 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 4 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $850,000 Wind $5,125,000 Class $30,586.00 Yes Business Personal Property(BPP) $150,000 Wind $196,011 Class $1,426.00 Yes 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%($256,250) BPP: 5%($9,801) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1977 N/A N/A Connection N/A N/A 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. PREMIUM: $32,012.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 12 of 45 with its permission. 3704 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 11 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1070 BUSINESS DESCRIPTION: Firehouses DESCRIPTION OF PREMISES 11: 151 MARINE AVE ONE STORY WIND RESISTIVE FIRE AND AMBULANCE STATION Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 151 MARINE AVE N/A Wind Resistive N/A Ungraded TAVERNIER, FL 33070-2620 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $888,000 Wind $1,676,000 Class $12,722.00 Yes Business Personal Property(BPP) $112,000 Wind $112,000 Class $1,029.00 No 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%($83,800) BPP: 5%($5,600) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1970 N/A N/A Connection N/A N/A 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. PREMIUM: $13,751.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 13 of 45 with its permission. 3705 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 12 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1000 BUSINESS DESCRIPTION: Governmental Subdivisions-Jails DESCRIPTION OF PREMISES 12: 3981 OCEAN TERR ONE STORY WR JAIL Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 3981 OCEAN TER N/A Wind Resistive N/A Ungraded MARATHON, FL 33050-2300 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $908,000 Wind $1,572,000 Class $11,823.00 Yes Business Personal Property(BPP) $92,000 Wind $92,000 Class $845.00 No 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%($78,600) BPP: 5%($4,600) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1990 N/A N/A Connection N/A N/A 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. PREMIUM: $12,668.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 14 of 45 with its permission. 3706 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 13 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION: Offices-Non-Governmental DESCRIPTION OF PREMISES 13: 2798 OVERSEAS HWY TWO STORY 10 UNIT WIND RESISTIVE COUNTY OFFICE Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 2798 OVERSEAS HWY N/A Wind Resistive N/A Ungraded MARATHON, FL 33050-4277 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 10 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $800,000 Wind $4,312,000 Class $26,365.00 Yes Business Personal Property(BPP) $200,000 Wind $440,012 Class $2,916.00 Yes 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%($215,600) BPP: 5%($22,001) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1993 N/A N/A Connection N/A N/A 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. PREMIUM: $29,281.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 15 of 45 with its permission. 3707 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 14 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION: Offices-Non-Governmental DESCRIPTION OF PREMISES 14: 3103 OVERSEAS HWY ONE STORY 3 UNIT MASONRY COURTHOUSE/ POLICE SUBSTATION Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 3103 OVERSEAS HWY N/A Masonry N/A Ungraded MARATHON, FL 33050-2346 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 3 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $783,000 Wind $1,756,000 Class $29,288.00 Yes Business Personal Property(BPP) $217,000 Wind $217,000 Class $4,717.00 No 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%($87,800) BPP: 5%($10,850) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1973 N/A N/A Connection N/A N/A 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. PREMIUM: $34,005.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 16 of 45 with its permission. 3708 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 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: 3117 OVERSEAS HWY ONE STORY WIND RESISTIVE SUB- COURTHOUSE BLDG Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 3117 OVERSEAS HWY N/A Wind Resistive N/A Ungraded MARATHON, FL 33050-2346 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $814,000 Wind $1,316,000 Class $10,012.00 Yes Business Personal Property(BPP) $186,000 Wind $186,000 Class $1,710.00 No 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%($65,800) BPP: 5%($9,300) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1976 N/A N/A Connection N/A N/A 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. PREMIUM: $11,722.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 17 of 45 with its permission. 3709 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 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: 81830 OVERSEAS HWY ONE STORY MASONRY LIBRARY Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 81830 OVERSEAS HWY N/A Masonry N/A Ungraded ISLAMORADA, FL 33036-3606 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $570,000 Wind $1,294,000 Class $21,322.00 Yes Business Personal Property(BPP) $430,000 Wind $779,000 Class $12,519.00 Yes 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%($64,700) BPP: 5%($38,950) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1935 N/A N/A Connection N/A N/A 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. PREMIUM: $33,841.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 18 of 45 with its permission. 3710 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 17 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0567 BUSINESS DESCRIPTION:Airports-Passenger terminals DESCRIPTION OF PREMISES 17: Marathon Airport TWO STORY SWR AIRPORT TERMINAL Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 9400 OVERSEAS HWY N/A Semi Wind Resistive N/A Ungraded MARATHON, FL 33050-3303 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $900,000 Wind $6,301,000 Class $53,059.00 Yes Business Personal Property(BPP) $100,000 Wind $100,000 Class $1,359.00 No 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%($315,050) BPP: 5%($5,000) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 N/A N/A Connection N/A N/A 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. PREMIUM: $54,418.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 19 of 45 with its permission. 3711 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 17 BUILDING OR SPECIAL CLASS ITEM NO.2 CSP Code: 0940 BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing DESCRIPTION OF PREMISES 17: Marathon Airport AIRCRAFT HANGER-8000 OS Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 9400 OVERSEAS HWY N/A Masonry N/A Ungraded MARATHON, FL 33050-3303 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss Building(Bldg) $703,000 Wind $703,000 Class $15,975.00 No Your coverage limits have been adjusted for inflation. OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($35,150) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2002 N/A N/A Connection N/A N/A 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. PREMIUM: $15,975.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 20 of 45 with its permission. 3712 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 17 BUILDING OR SPECIAL CLASS ITEM NO.3 CSP Code: 0940 BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing DESCRIPTION OF PREMISES 17: Marathon Airport AIRCRAFT HANGER-8000 OS Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 9400 OVERSEAS HWY N/A Masonry N/A Ungraded MARATHON, FL 33050-3303 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss Building(Bldg) $703,000 Wind $703,000 Class $15,975.00 No Your coverage limits have been adjusted for inflation. OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($35,150) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2002 N/A N/A Connection N/A N/A 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. PREMIUM: $15,975.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 21 of 45 with its permission. 3713 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 17 BUILDING OR SPECIAL CLASS ITEM NO.4 CSP Code: 0940 BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing DESCRIPTION OF PREMISES 17: Marathon Airport AIRCRAFT HANGERAIRCRAFT HANGER-8000 OS Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 9400 OVERSEAS HWY N/A Masonry N/A Ungraded MARATHON, FL 33050-3303 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss Building(Bldg) $703,000 Wind $703,000 Class $15,975.00 No Your coverage limits have been adjusted for inflation. OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($35,150) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2002 N/A N/A Connection N/A N/A 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. PREMIUM: $15,975.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 22 of 45 with its permission. 3714 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 17 BUILDING OR SPECIAL CLASS ITEM NO.5 CSP Code: 0933 BUSINESS DESCRIPTION:Airports-Hangars with repairing or servicing DESCRIPTION OF PREMISES 17: Marathon Airport T-4 Hangar-8000 OS Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 9400 OVERSEAS HWY N/A Masonry N/A Ungraded MARATHON, FL 33050-3303 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss Building(Bldg) $1,000,000 Wind $1,046,000 Class $22,839.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($52,300) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2002 N/A N/A Connection N/A N/A 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. PREMIUM: $22,839.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 23 of 45 with its permission. 3715 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 18 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0940 BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing DESCRIPTION OF PREMISES 18: 10100 OVERSEAS HWY ONE STORY MAS AIRCRAFT HANGER#2 Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 10100 OVERSEAS HWY N/A Masonry N/A Ungraded MARATHON, FL 33050-3340 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $950,000 Wind $2,005,000 Class $33,032.00 Yes Business Personal Property(BPP) $50,000 Wind $50,000 Class $1,086.00 No 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%($100,250) BPP: 5%($2,500) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2002 N/A N/A Connection N/A N/A 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. PREMIUM: $34,118.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 24 of 45 with its permission. 3716 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 18 BUILDING OR SPECIAL CLASS ITEM NO.2 CSP Code: 0940 BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing DESCRIPTION OF PREMISES 18: 10100 OVERSEAS HWY AIRCRAFT HANGER Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 10100 OVERSEAS HWY N/A Masonry N/A Ungraded MARATHON, FL 33050-3340 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $522,000 Wind $522,000 Class $11,863.00 No Business Personal Property(BPP) $26,426 Wind $26,426 Class $574.00 No Your coverage limits have been adjusted for inflation. OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($26,100) BPP: 5%($1,321) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2003 N/A N/A Connection N/A N/A 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. PREMIUM: $12,437.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 25 of 45 with its permission. 3717 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 19 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1051 BUSINESS DESCRIPTION: Libraries DESCRIPTION OF PREMISES 19: 101485 OVERSEAS HWY ONE STORY SWR LIBRARY Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 101485 OVERSEAS HWY N/A Semi Wind Resistive N/A Ungraded KEY LARGO, FL 33037-4553 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $500,000 Wind $2,672,000 Class $24,362.00 Yes Business Personal Property(BPP) $500,000 Wind $805,340 Class $8,336.00 Yes 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%($133,600) BPP: 5%($40,267) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1989 N/A N/A Connection N/A N/A 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. PREMIUM: $32,698.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 26 of 45 with its permission. 3718 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.20 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION: Offices-Non-Governmental DESCRIPTION OF PREMISES 20: 1100 SIMONTON ST TWO STORY 8 UNIT WR OFFICE BLDG Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 1100 SIMONTON ST N/A Wind Resistive N/A Ungraded KEY WEST, FL 33040-3110 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-86 8 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss Building(Bldg) $1,000,000 Wind $8,183,000 Class $37,867.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($409,150) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1916 N/A N/A Connection N/A N/A 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. PREMIUM: $37,867.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 27 of 45 with its permission. 3719 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.21 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0567 BUSINESS DESCRIPTION:Airports-Passenger terminals DESCRIPTION OF PREMISES 21: 3491 ROOSEVELT BLVD S ONE STORY 3 UNIT SWR BUS TERMINAL/ AIRPORT TERMINAL BLVD Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 3491 S ROOSEVELT BLVD N/A Semi Wind Resistive N/A 06 KEY WEST, FL 33040-5295 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-86 3 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss Building(Bldg) $1,000,000 Wind $1,952,000 Class $17,295.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($97,600) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1998 N/A N/A Connection N/A N/A 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. PREMIUM: $17,295.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 28 of 45 with its permission. 3720 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.21 BUILDING OR SPECIAL CLASS ITEM NO.2 CSP Code: 0567 BUSINESS DESCRIPTION: Bus Stations or Terminals DESCRIPTION OF PREMISES 21: 3491 ROOSEVELT BLVD S TWO STORY WIND RESISTIVE BUS TERMINAL Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 3491 S ROOSEVELT BLVD N/A Wind Resistive N/A Ungraded KEY WEST, FL 33040-5295 Group I Territory Group II Territory Coastal Territory No.of Units 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 Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss Building(Bldg) $1,000,000 Wind $8,013,000 Class $37,867.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($400,650) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1957 N/A N/A Connection N/A N/A 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. PREMIUM: $37,867.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 29 of 45 with its permission. 3721 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.22 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0932 BUSINESS DESCRIPTION:Automobile Repair or Service Shops-Auto glass replacement, battery replacement, brake adjustment, tire changing,tune ups (points, plugs and carburetor adjustment)oil changing, lubrications, speedometer adjustments and similar services. DESCRIPTION OF PREMISES 22: 3583 S ROOSEVELT BLVD ONE STORY MASONRY COUNTY GARAGE BLVD Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 3583 S ROOSEVELT BLVD N/A Masonry N/A Ungraded KEY WEST, FL 33040-5209 Group I Territory Group II Territory Coastal Territory No.of Units 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 Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $503,000 Wind $503,000 Class $10,284.00 No Business Personal Property(BPP) $237,000 Wind $237,000 Class $4,441.00 No Your coverage limits have been adjusted for inflation. OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($25,150) BPP: 5%($11,850) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1984 N/A N/A Connection N/A N/A 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. PREMIUM: $14,725.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 30 of 45 with its permission. 3722 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.23 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION: Offices-Non-Governmental DESCRIPTION OF PREMISES 23: 1200 Truman Ave TWO STORY 5 UNIT WR OFFICE BUILDING Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 1200 TRUMAN AVE N/A Wind Resistive N/A Ungraded KEY WEST, FL 33040-7270 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-86 5 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $692,000 Wind $6,262,000 Class $26,205.00 Yes Business Personal Property(BPP) $308,000 Wind $1,021,000 Class $5,390.00 Yes 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%($313,100) BPP: 5%($51,050) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1914 N/A N/A Connection N/A N/A 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. PREMIUM: $31,595.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 31 of 45 with its permission. 3723 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 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: 500 WHITEHEAD ST TWO STORY 13 UNIT MASONRY COURT HOUSE ANNEX Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 500 WHITEHEAD ST N/A Masonry N/A Ungraded KEY WEST, FL 33040-6581 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-86 13 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $500,000 Wind $8,337,000 Class $77,043.00 Yes Business Personal Property(BPP) $500,000 Wind $950,000 Class $13,382.00 Yes 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%($416,850) BPP: 5%($47,500) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1980 N/A N/A Connection N/A N/A 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. PREMIUM: $90,425.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 32 of 45 with its permission. 3724 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.25 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION: Offices-Non-Governmental DESCRIPTION OF PREMISES 25: 530 WHITEHEAD ST THREE STORY 4 UNIT WIND RESISTIVE JUSTICE BLDG Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 530 WHITEHEAD ST N/A Wind Resistive N/A Ungraded KEY WEST, FL 33040-6547 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-86 4 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Total Replacement Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $800,000 Wind $7,513,000 Class $35,177.00 Yes Business Personal Property(BPP) $200,000 Wind $895,371 Class $4,397.00 Yes 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%($375,650) BPP: 5%($44,769) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1995 N/A N/A Connection N/A N/A 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. PREMIUM: $39,574.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 33 of 45 with its permission. 3725 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.26 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0567 BUSINESS DESCRIPTION: Museums-Commercial DESCRIPTION OF PREMISES 26: 938 WHITEHEAD ST ONE STORY FRAME MUSEUM Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 938 WHITEHEAD ST N/A Frame N/A Ungraded KEY WEST, FL 33040-7423 Group I Territory Group II Territory Coastal Territory No.of Units 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 Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $601,000 Wind $601,000 Class $15,373.00 No Business Personal Property(BPP) $45,300 Wind $45,300 Class $1,062.00 No Your coverage limits have been adjusted for inflation. OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes No DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($30,050) BPP: 5%($2,265) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1928 N/A N/A Connection N/A N/A 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. PREMIUM: $16,435.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 34 of 45 with its permission. 3726 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.27 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1051 BUSINESS DESCRIPTION: Libraries DESCRIPTION OF PREMISES 27: 700 FLEMING ST ONE STORY MASONRY LIBRARY Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 700 FLEMING ST N/A Masonry N/A Ungraded KEY WEST, FL 33040-6828 Group I Territory Group II Territory Coastal Territory No.of Units 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 Limit Of Causes Cost/BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Building(Bldg) $400,000 Wind $3,036,000 Class $32,509.00 Yes Business Personal Property(BPP) $600,000 Wind $1,900,000 Class $24,258.00 Yes 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%($151,800) BPP: 5%($95,000) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1959 N/A N/A Connection N/A N/A 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. PREMIUM: $56,767.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 35 of 45 with its permission. 3727 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.28 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1070 BUSINESS DESCRIPTION: Firehouses DESCRIPTION OF PREMISES 28: 20950 OVERSEAS HWY ONE STORY MASONRY SHERIFF SUBSTATION/ FIRE STATION LOC: Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 20950 OVERSEAS HWY N/A Masonry N/A Ungraded CUDJOE KEY, FL 33042-4000 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss Building(Bldg) $445,000 Wind $445,000 Class $10,112.00 No Your coverage limits have been adjusted for inflation. OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($22,250) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 1989 N/A N/A Connection N/A N/A 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. PREMIUM: $10,112.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 36 of 45 with its permission. 3728 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.29 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 29: Sheriffs dispatch office Sheriffs dispatch office Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 2796 OVERSEAS HWY N/A Masonry N/A Ungraded MARATHON, FL 33050-2200 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 5 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Limit Of Causes BPP Actual Coverage Insurance Of Loss Cash Value Rates Premium First Loss Business Personal Property(BPP) $1,000,000 Wind $2,200,000 Class $34,484.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property No 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 C 1991 N/A N/A Connection N/A N/A 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. PREMIUM: $34,484.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 37 of 45 with its permission. 3729 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 30 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1070 BUSINESS DESCRIPTION: Firehouses DESCRIPTION OF PREMISES 30: 5655 MACDONALD AVE TWO STORY SWR Stock Island Fire Station Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 5655 MACDONALD AVE N/A Semi Wind Resistive N/A 03 STOCK ISLAND, FL 33040-5905 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss Building(Bldg) $1,000,000 Wind $2,054,000 Class $20,422.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($102,700) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2014 N/A N/A Connection N/A N/A 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. PREMIUM: $20,422.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 38 of 45 with its permission. 3730 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 31 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0940 BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing DESCRIPTION OF PREMISES 31: 10330 Overseas Hwy One Story Aircraft Hangar Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 10330 Overseas Hwy N/A Masonry N/A 03 Marathon, FL 33050 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss Building(Bldg) $1,000,000 Wind $2,191,000 Class $32,437.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($109,550) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2017 N/A N/A Connection N/A N/A 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. PREMIUM: $32,437.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 39 of 45 with its permission. 3731 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 32 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 32: 88770 OVERSEAS HWY PK Courthouse&Detention Ctr Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 88770 OVERSEAS HWY N/A Semi Wind Resistive N/A 03 TAVERNIER, FL 33070-2023 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 3 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss Building(Bldg) $1,000,000 Wind $16,476,000 Class $100,591.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($823,800) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2021 N/A N/A Connection N/A N/A 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. PREMIUM: $100,591.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 40 of 45 with its permission. 3732 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 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: 22352 OVERSEAS HWY Cudjoe Fire Station 11 Fire Station Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 22352 OVERSEAS HWY N/A Semi Wind Resistive N/A 03 SUMMERLAND KEY, FL 33042-4268 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss Building(Bldg) $1,000,000 Wind $3,767,000 Class $34,037.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($188,350) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2021 N/A N/A Connection N/A N/A 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. PREMIUM: $34,037.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 41 of 45 with its permission. 3733 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 34 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1051 BUSINESS DESCRIPTION: Libraries DESCRIPTION OF PREMISES 34: 3490 OVERSEAS HWY Library&Adult Ctr Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 3490 OVERSEAS HWY N/A Semi Wind Resistive N/A 03 MARATHON, FL 33050-2342 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 2 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss Building(Bldg) $1,000,000 Wind $5,756,000 Class $43,848.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($287,800) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2020 N/A N/A Connection N/A N/A 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. PREMIUM: $43,848.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 42 of 45 with its permission. 3734 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 35 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0844 BUSINESS DESCRIPTION: Parks or Playgrounds-enclosed buildings used for recreation DESCRIPTION OF PREMISES 35: 6751 5TH ST Bernstein Park Clubhouse/Recreation (no outdoor equipment) Recreation Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 6751 5TH ST N/A Semi Wind Resistive N/A 03 KEY WEST, FL 33040-5840 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss Building(Bldg) $1,000,000 Wind $3,058,000 Class $28,792.00 Yes OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($152,900) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2017 N/A N/A Connection N/A N/A 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. PREMIUM: $28,792.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 43 of 45 with its permission. 3735 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 35 BUILDING OR SPECIAL CLASS ITEM NO.2 CSP Code: 1070 BUSINESS DESCRIPTION: Governmental Subdivisions-Police stations, municipal garages, highway departments, maintenance buildings, repair shops, and storage buildings DESCRIPTION OF PREMISES 35: 6751 5TH ST Bernstein Park Utility/Shop Building Recreation Location Address Group I Construction Group II Construction Protection Class BCEGS Grade 6751 5TH ST N/A Masonry N/A 03 KEY WEST, FL 33040-5840 Group I Territory Group II Territory Coastal Territory No.of Units N/A N/A Monroe-85 1 COVERAGES PROVIDED Insurance at the Described Premises Applies Only For Coverages For Which A Limit Of Insurance Is Shown. Covered Limit Of Causes Total Coverage Insurance Of Loss Replacement Cost Rates Premium First Loss Building(Bldg) $170,000 Wind $170,000 Class $3,476.00 No Your coverage limits have been adjusted for inflation. OPTIONAL COVERAGES Applicable Only When Entries Are Made In The Schedule Below Coverage Premium Replacement Cost Building Business Personal Property Yes DEDUCTIBLE Hurricane, Other Windstorm or Hail Percentage Deductible Deductible Percentage(Deductible Amount) Bldg: 5%($8,500) WINDSTORM MITIGATION FEATURES Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR C 2017 N/A N/A Connection N/A N/A 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. PREMIUM: $3,476.00 CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 44 of 45 with its permission. 3736 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 11 Effective Date: 05/29/2024 to 05/29/2025 Insured Name: MONROE COUNTY, FLORIDA WARNING: PREMIUM PRESENTED COULD INCREASE IF CITIZENS IS REQUIRED TO CHARGE ASSESSMENTS FOLLOWING A MAJOR CATASTROPHE. FLOOD COVERAGE IS NOT PROVIDED BY THIS POLICY. WINDSTORM OR HAIL DEDUCTIBLES ARE CALCULATED ON TOTAL REPLACEMENT COST OR ACTUAL CASH VALUE, NOT THE LIMIT OF INSURANCE. THIS POLICY CONTAINS A CO-PAY PROVISION THAT MAY RESULT IN HIGH OUT-OF-POCKET EXPENSES TO YOU. TO REPORT A LOSS OR CLAIM CALL 866.411.2742 PLEASE CONTACT YOUR AGENT IF THERE ARE ANY QUESTIONS PERTAINING TO YOUR POLICY. IF YOU ARE UNABLE TO CONTACT YOUR AGENT,YOU MAY REACH CITIZENS AT 866.411.2742. CDEC1 11 23 Includes copyrighted material of Insurance Services Office, Inc., Page 45 of 45 with its permission. 3737 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-11 POLICY PERIOD FROM 05/29/2024 TO 05/29/2025 at 12:01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA An entry below of"All" indicates the form applies to all items scheduled in the policy Location No. Building No. Form No. Edition Date Description ALL ALL IL P 001 01 04 U.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN ASSETS CONTROL("OFAC") ADVISORY NOTICE TO POLICYHOLDERS ALL ALL CIT W14 20 0223 CITIZENS CHANGES-PROPERTY NOT COVERED ALL ALL IL 09 35 0702 EXCLUSION OF CERTAIN COMPUTER- RELATED LOSSES ALL ALL CP 01 40 0706 EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA ALL ALL CIT 03 21 1223 WINDSTORM OR HAIL PERCENTAGE DEDUCTIBLE ALL ALL CIT 01 75 0723 FLORIDA CHANGES-LEGAL ACTION AGAINST US ALL ALL CIT W10 10 0223 CAUSES OF LOSS-WINDSTORM OR HAIL FORM ALL ALL CIT W02 55 1223 FLORIDA CHANGES-CANCELLATION AND NONRENEWAL ALL ALL CID 00 90 0788 COMMERCIAL PROPERTY CONDITIONS ALL ALL IL 00 17 1198 COMMON POLICY CONDITIONS 1 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 1 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 1 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 2 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 2 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 2 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 2 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 3 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 3 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM Issued Date: 04/01/2024 First Named Insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 7 with its permission. 3738 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-11 POLICY PERIOD FROM 05/29/2024 TO 05/29/2025 at 12:01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA Location No. Building No. Form No. Edition Date Description 3 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 3 2 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 4 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 4 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 4 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 5 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 5 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 5 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 5 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 6 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 6 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 6 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 7 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 7 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 7 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 7 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 8 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 8 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 8 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 8 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 9 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 9 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM Issued Date: 04/01/2024 First Named Insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 2 of 7 with its permission. 3739 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-11 POLICY PERIOD FROM 05/29/2024 TO 05/29/2025 at 12:01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA Location No. Building No. Form No. Edition Date Description 9 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 9 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 10 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 10 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 10 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 10 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 11 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 11 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 11 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 11 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 12 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 12 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 12 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 12 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 13 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 13 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 13 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 13 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 14 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 14 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 14 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 14 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 15 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES Issued Date: 04/01/2024 First Named Insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 7 with its permission. 3740 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-11 POLICY PERIOD FROM 05/29/2024 TO 05/29/2025 at 12:01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA Location No. Building No. Form No. Edition Date Description 15 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 15 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 15 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 16 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 16 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 16 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 16 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 17 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 17 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 17 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 17 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 17 5 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 18 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 18 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 18 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 18 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 19 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 19 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 19 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 19 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 20 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 20 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM Issued Date: 04/01/2024 First Named Insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 4 of 7 with its permission. 3741 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-11 POLICY PERIOD FROM 05/29/2024 TO 05/29/2025 at 12:01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA Location No. Building No. Form No. Edition Date Description 20 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 20 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 21 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 21 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 21 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 21 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 21 2 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 22 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 22 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 22 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 23 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 23 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 23 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 23 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 24 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 24 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 24 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 24 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 25 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 25 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 25 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 25 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 26 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES Issued Date: 04/01/2024 First Named Insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 5 of 7 with its permission. 3742 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-11 POLICY PERIOD FROM 05/29/2024 TO 05/29/2025 at 12:01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA Location No. Building No. Form No. Edition Date Description 26 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 26 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 27 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 27 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 27 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 27 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 28 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 28 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 28 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 29 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 29 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 29 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 29 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 30 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 30 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 30 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 30 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 31 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 31 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 31 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 31 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 32 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES Issued Date: 04/01/2024 First Named Insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 6 of 7 with its permission. 3743 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-11 POLICY PERIOD FROM 05/29/2024 TO 05/29/2025 at 12:01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA Location No. Building No. Form No. Edition Date Description 32 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 32 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 32 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 33 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 33 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 33 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 33 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 34 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 34 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 34 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 34 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 35 ALL CIT CNRW 01 25 1223 FLORIDA CHANGES 35 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 35 ALL CIT CNRW 00 03 1223 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 35 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS Issued Date: 04/01/2024 First Named Insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 7 of 7 with its permission. 3744 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY POLICY INTEREST SCHEDULE POLICY NUMBER 00015845-11 POLICY PERIOD FROM 05/29/2024 TO 05/29/2025 at 12:01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA Location No. Building No. Interest Type Name and Mailing Address No Additional Interests. Issued Date: 04/01/2024 First Named Insured Copy CDEC-PI-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 1 with its permission. 3745 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 have with us. This information can include: - Social Security number - Information you provide on your application for insurance coverage such as your 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 - Mortgage information - Information from your visits to www.citizensfia.com When you are no longer our customer, your information will be retained in accordance with Citizens' records retention schedule. While your information is retained, it may continue to be shared as described in this notice. All financial companies need to share customers' personal information to run their everyday 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 programs, respond to court orders and legal 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. 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 3746 • • 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: personal information? - You apply for insurance - We process your application - You pay insurance premiums - 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 companies. Why can't I limit all sharing? Federal law gives you the right to limit only: - Sharing for affiliates' everyday business purposes— 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: Citizens has no affiliates. Nonaffiliates Companies not related by common ownership or control. They can be financial or nonfinancial company. Nonaffiliates we share with can include: - 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 3747 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 numbers used to underwrite the underwriting process for the following purposes: and service my policy? - Obtaining loss history reports for underwriting purposes - Implementing the enhanced Property Insurance Clearinghouse application authorized by paragraph 627.3518(3)(e), Florida Statutes - Reporting unclaimed property to state government agencies - Processing insurance claims - Ensuring compliance with US Department of Treasury Office of Foreign Asset Control requirements 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 ✓ Reports Implementing the enhanced 627.3518(3)(e), Florida Statutes ✓ clearinghouse application Reporting unclaimed Chapter 717, Florida Statutes ✓ property Processing insurance 627.351(6)(k) ✓ claims Office of Foreign Asset 31 CFR 501 et seq ✓ Control requirements 3 PNCL-7 02 22 3748 Table of Contents — Building and Personal Property COMMERCIAL PROPERTY COVERAGE Florida Changes...................CIT CNRW 01 25 12 23 (Or if a Mobile Home then: Florida Commercial Mobile Building and Personal Property ......CP 00 10 06 07 Home.....................CIT MH 05 01 12 23) A. Coverage ...........................................................1 Policy Changes.......................................................1 Covered Property..............................................1 Additional Coverage Changes................................1 Property Not Covered .......................................2 Coverage Extension Changes................................2 Covered Causes Of Loss..................................3 Limits Of Insurance Changes.................................3 Additional Coverages........................................3 Deductible Changes...............................................3 Coverage Extensions........................................6 Loss Condition Changes ........................................3 B. Exclusions And Limitations................................8 Additional Condition Changes................................9 C. Limits Of Insurance............................................8 Optional Coverages Changes.................................9 D. Deductible..........................................................9 (No Optional Coverages conditions In CIT MH 05 01 E. Loss Conditions .................................................9 12 23) Abandonment...................................................9 Definition Changes.................................................9 Appraisal ..........................................................9 (CIT MH 05 01 12 23).......10 Duties In The Event Of Loss Or Damage.......10 Common Policy Condition Changes................. ...10 Loss Payment.................................................10 Commercial Property Condition Changes............11 Recovered Property........................................11 Other Changes ..............................................11 Vacancy..........................................................11 Common Policy Conditions...............IL 00 17 11 98 Valuation ........................................................11 A. Cancellation .......................................................1 F.Additional Conditions........................................12 B. Changes.............................................................1 Coinsurance....................................................12 C. Examination Of Your Books And Records.........1 Mortgageholders .............................................13 D. Inspections And Surveys....................................1 G. Optional Coverages.........................................14 E. Premiums...........................................................1 Agreed Value...................................................14 F. Transfer Of Your Rights And Duties Inflation Guard.................................................14 Under This Policy.........................................1 Replacement Cost...........................................14 Florida Changes—Legal Action Extension Of Replacement Cost To Against Us...................................CIT 01 75 07 23 Personal Property Of Others........................15 Exclusion Of Certain Computer— H. Definitions........................................................15 Related Losses...............................IL 09 35 07 02 Exclusion Of Loss Due To Virus Or Bacteria ...................................CP 01 40 07 06 Causes of Loss—Windstorm Or Florida Changes—Cancellation and Hail Form.................................CIT W10 10 12 23 Nonrenewal..............................CIT W02 55 12 23 A. Covered Causes Of Loss...................................1 Citizens Changes-Property B. Exclusions..........................................................1 Not Covered.............................CIT W14 20 02 23 C.Additional Coverage...........................................4 Windstorm Or Hail Percentage D. Definitions..........................................................4 Deductible..............................CIT 03 21 12 23 U.S. Treasury Department's Office Of Foreign Assets Control ("OFAC")Advisory MANDATORY ENDORSEMENTS Notice To Policyholders.............IL P 001 01 04 Commercial Property Conditions....CP 00 90 07 88 OTHER ENDORSEMENTS (May Be Attached) A. Concealment, Misrepresentation Or Fraud........1 B. Control Of Property............................................1 Windstorm Or Hail Protective C. Insurance Under Two Or More Coverages........1 D. Legal Action Against Us.....................................1 Devices...................................CIT 12 09 12 23 Loss Payable Provisions..................CP 12 18 06 07 E. Liberalization......................................................1 F. No Benefit To Bailee..........................................1 Additional Insured - G. Other Insurance..ee..........................................1 Building Owner............................CP 12 19 06 07 H. Other Period, Coverage Territory 1 Leased Property................................CP 14 60 07 88 Policy g y Coverages Written On A First I. Transfer Of Rights Of Recovery Against Others To Us................................................2 Loss Basis..............................CIT 04 14 08 21 CIT CNRW 00 03 12 23 Page 1 of 1 3749 Commercial CIT W02 55 12 23 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FLORIDA CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: COMMERCIAL PROPERTY COVERAGE PART A. Paragraphs A.1. to A.6. in the Cancellation c. We may not cancel: condition of the Common Policy Conditions (Form (1) On the basis of property insurance claims IL 00 17)are deleted and replaced by the following: that are the result of an act of God, unless 1. The first Named Insured shown in the we can demonstrate, by claims Declarations may cancel this policy by mailing frequency or otherwise, that you have or delivering to us advance written notice of failed to take action reasonably cancellation. necessary as requested by us to prevent 2. Cancellation For Policies In Effect 60 Days recurrence of damage to the insured Or Less property; or a. If this policy has been in effect for 60 days or (2) Solely on the basis of a single property less, we may cancel this policy by delivering insurance claim which is the result of to the first Named Insured, mailing to the first water damage, unless we can Named Insured, or "electronically demonstrate that you have failed to take transmitting" to the first Named Insured, action reasonably requested by us to written notice of cancellation, accompanied prevent a future similar occurrence of by the specific reasons for cancellation, at damage to the insured property. least: 3. We will mail or deliver our notice to the first (1) 10 days before the effective date of Named Insured's last mailing address known to cancellation if we cancel for nonpayment us. of premium; or Proof of mailing or "electronic transmittal" is (2) 20 days before the effective date of sufficient proof of notice. cancellation if we cancel for any other 4. Notice of cancellation will state the effective reason, except we may cancel date of cancellation. The policy period will end immediately if there has been: on that date. (a) A material misstatement or 5. Cancellation For Policies In Effect For More misrepresentation; or Than 60 Days (b) A failure to comply with underwriting a. If this policy has been in effect for more than requirements established by the 60 days, we may cancel this policy only for insurer. one or more of the following reasons: b. When this Policy has been in effect for 90 (1) Nonpayment of premium; days or less,we may immediately cancel this (2) The policy was obtained by a material policy that, prior to the date of application, misstatement; the risk was most recently insured by an insurer that has been placed in receivership (3) There has been a failure to comply, under Chapter 631 for misrepresentation or within 60 days after the date of failure to comply with underwriting effectuation of coverage, with requirements established by us before underwriting requirements, established effectuation of coverage. by us before the date of effectuation of coverage; (4) There has been a substantial change in the risk covered by the policy; CIT W02 55 12 23 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 4 with its permission. 3750 (5) The cancellation is for all insureds under 6. If this policy is cancelled, we will send the first such policies for a given class of Named Insured any premium refund due. insureds; If we cancel, the refund will be pro rata. If the (6) On the basis of property insurance claims first Named Insured cancels, or the amount of that are the result of an act of God, if we insurance is reduced at the first Named can demonstrate, by claims frequency or Insured's or the Agent's request, the amount of otherwise, that you have failed to take premium we return for the period from the date action reasonably necessary as of cancellation to the expiration date is requested by us to prevent recurrence of determined as follows: damage to the insured property; or (1) Pro rata, if no coverage existed from June (7) On the basis of a single property 1 to November 30 of any 1 year policy insurance claim which is the result of term; or water damage, if we can demonstrate (2) Pro rata, if coverage existed from June 1 that you have failed to take action reasonably requested by us to prevent a to November 30 of any 1 year policy term; future similar occurrence of damage to and: the insured property. (a) Similar insurance on the covered b. If we cancel this policy for any of these property is written with another reasons, we will mail, deliver, or insurer; "electronically transmit", to the first Named (b) Property is sold or moved from Insured, written notice of cancellation, Citizens statutorily defined insuring accompanied by the specific reasons for areas (Section 627.351(6), Florida cancellation, at least: Statutes); (1) 10 days before the effective date of (c) Insured is deceased; cancellation if cancellation is for (d) Property is demolished; nonpayment of premium; or (e) Property has had continuous (2) 45 days before the effective date of windstorm coverage for no less than cancellation if: three years immediately preceding (a) Cancellation is for one or more of the the cancellation date, with: reasons stated in 5.a.(2) through (i) Citizens; 5.a.(7) above; and (ii) Any other insurer; or (b) This policy does not cover a (iii) Citizens and any other insurer; residential structure or residential (f) Mortgage(s) on the covered property property; or is paid in full during the term of this (3) 120 days before the effective date of policy; or cancellation if: (g) Insured goes out of business or (a) Cancellation is for one or more of the property is foreclosed upon; or reasons stated in Paragraphs 5.a.(2) (3) A percentage of the total premium if: through 5.a.(7) above; and (a) Coverage existed at any time during (b) This policy covers a residential the period of June 1 to November 30 structure or residential property. and c. If this policy covers a residential structure or (b) Conditions (2)(a) through (2)(g) residential property, and this policy has been above do not apply. in effect for more than 90 days, we may not cancel on the basis of credit information available in public records. Page 2 of 4 Includes copyrighted material of Insurance Services Office, Inc., CIT W02 55 12 23 with its permission 3751 The percentage of the total premium c. For all other nonrenewals, 120 days prior to returned is determined as follows: the expiration of the policy. Number of Days Percentage of 2. Any notice of nonrenewal will be delivered to the Policy Is In Force Premium Returned first Named Insured, mailed to the first Named 1 to 180 20% Insured at the mailing address shown in the Declarations, or "electronically transmitted" to 181 to 210 15% the first Named Insured. 211 to 240 10% If notice is mailed or"electronically transmitted", 241 to 270 7.5% proof of mailing or "electronic transmittal" is sufficient proof of notice. 271 to 300 5.0% 3. We may refuse to renew this policy if we, or the 301 to 330 2.5% Florida Market Assistance Program (FMAP), 331 to 365 0.0% obtain an offer from an authorized insurer to cover the property described in the If the return premium is not refunded with the Declarations, at approved rates. notice of cancellation or when this policy is returned to us, we will mail or with your written This policy may be replaced by a policy that approval electronically transfer the refund within may not provide coverage identical to the 15 working days, either after the date coverage provided by Citizens. cancellation takes effect, or after our receipt of Acceptance of Citizens coverage by the first your request to cancel the policy, whichever is Named Insured creates a conclusive later. presumption that the insured is aware of this The cancellation will be effective even if we potential. have not made or offered a refund. 4. We may not refuse to renew this policy: E. The following is added: a. On the basis of property insurance claims NONRENEWAL that are the result of an act of God, unless we can demonstrate, by claims frequency or 1. If we do not renew this policy we will deliver to otherwise,that you have failed to take action the first Named Insured, mail to the first Named reasonably necessary as requested by us to Insured at the mailing address shown in the prevent recurrence of damage to the insured Declarations, or "electronically transmit" to the property; or first Named Insured, written notice, accompanied by the specific reason for b. Solely on the basis of a single property nonrenewal, at least: insurance claim which is the result of water damage, unless we can demonstrate that a. 45 days prior to the expiration of the policy if you have failed to take action reasonably this policy does not cover a residential requested by us to prevent a future similar structure or residential property; or occurrence of damage to the insured b. 45 days prior to the expiration of the policy if: property. (1) This policy covers a residential structure F. Limitations On Cancellation And Nonrenewal or residential property, and nonrenewal is In The Event Of Hurricane Or Wind Loss— for a policy that has been assumed by an Residential Property authorized insurer offering replacement 1. The following provisions apply to a policy or renewal coverage to you; or covering a residential structure or residential (2) This policy covers a residential structure property: or residential property, and nonrenewal is a. We may not cancel or nonrenew this Policy: for a risk that has received an offer of coverage from an authorized insurer, (1) For a period of 90 days after the covered pursuant to Citizens' policyholder residential structure or covered eligibility clearinghouse program. residential property has been repaired, if such property which has been damaged If we nonrenew a policy pursuant to 1.b.(1) as a result of a "hurricane" or wind loss or 1.b.(2) above, we will also notify any that is the subject of the declaration of additional named insured shown in the emergency pursuant to Section 252.36 Policy Interest Schedule of your Florida statutes, and the filing of an order Declarations at their mailing address shown by the Commissioner of Insurance in the Schedule. Regulation. CIT W02 55 12 23 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 4 with its permission 3752 (2) Until the earlier of when the covered residential structure or covered residential property has been repaired or 1 year after we issue the final claim payment, if such property was damaged by any covered peril and a.(1) above does not apply. A structure is deemed to be repaired when substantially completed and restored to the extent it is insurable by another authorized insurer writing policies in Florida. If we elect to not renew the policy under 1.a. above, we will provide at least 90 days' notice that we intend to nonrenew 90 days after the repairs are complete. b. We may cancel or nonrenew the policy prior to the repair of the residential structure or residential property for any of the following reasons: (1) Nonpayment of premium; (2) Material misstatement or fraud related to the claim; (3) We determine that you have unreasonably caused a delay in the repair of the residential structure or residential property; or (4) We have paid the policy limits. If we cancel or nonrenew for nonpayment of premium, we will give you 10 days' notice. If we cancel or nonrenew for a reason listed in Paragraph b.(2), b.(3) or b.(4), we will give you 45 days' notice. 2. With respect to a policy covering a residential structure or residential property, any cancellation or nonrenewal that would otherwise take effect during the duration of a "hurricane" will not take effect until the end of the duration of such "hurricane", unless a replacement policy has been obtained and is in effect for a claim occurring during the duration of the "hurricane". We shall be entitled to collect premium for the period of time the policy remains in effect. Page 4 of 4 Includes copyrighted material of Insurance Services Office, Inc., CIT W02 55 12 23 with its permission 3753 CIT 01 75 07 23 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FLORIDA CHANGES - LEGAL ACTION AGAINST US This endorsement modifies insurance provided under the following: COMMERCIAL PROPERTY COVERAGE PART The following replaces COMMERCIAL PROPERTY CONDITION D. Legal Action Against Us in Form CP 00 90: D. LEGAL ACTION AGAINST US No action can be brought against us; unless: 1. Notice of the loss has been given to us; 2. There has been full compliance with all of the terms of this policy; 3. If there is failure to agree on a settlement regarding the loss, prior to filing suit, we must be notified in writing of your disagreement; and 4. The action is started within 5 years after the date of the loss. CIT 01 75 07 23 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 1 ❑ with its permission 3754 COMMERCIAL PROPERTY CIT CNRW 01 25 12 23 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 paragraph a.(4) is deleted and replaced with: (4), the following provisions apply: (4) Personal property owned by you that is (a) The most we will pay for the total of used to maintain or service the building direct physical loss or damage plus or structure or its premises up to 1% of debris removal expense is the Limit of the amount applicable to that building Insurance applicable to the Covered and all while contained in the building or Property that has sustained loss or while located on the described premises damage. including the following (a) through (d) (b) Subject to (a) above, the amount we below, except as otherwise excluded. will pay for debris removal expense is (a) Fire extinguishing equipment; limited to 25% of the sum of the (b) Outdoor furniture; deductible plus the amount that we pay for direct physical loss or damage (c) Floor coverings; and to the Covered Property that has (d) Appliances used for refrigerating, sustained loss or damage. ventilating, cooking, dishwashing or (4) We will pay up to an additional $5,000 for 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 (a) The total of the actual debris removal deleted and replaced by the following: expense plus the amount we pay for 4. Additional Coverages direct physical loss or damage a. Debris Removal exceeds the Limit of Insurance on the (1) Subject to Paragraphs(3)and(4),we will Covered Property that has sustained pay your expense to remove debris of loss or damage. Covered Property caused by or resulting (b) The actual debris removal expense from a Covered Cause of Loss that exceeds 25% of the sum of the occurs during the policy period. deductible plus the amount that we The expenses will be paid only if they are pay for direct physical loss or damage reported to us in writing within 180 days to the Covered Property that has of the date of direct physical loss or sustained loss or damage. 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 12 23 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 11 with its permission 3755 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 (2) We insure Covered Property against temporarily removed from the described direct loss by a Covered Cause of Loss premises for purposes of cleaning, while being removed from the described repairing, reconstruction, or restoration. premises endangered by a Covered (2) This extension of coverage shall: 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; of Liability that applies to the property (b) Not apply to personal property owned being removed. by others; (3) We do not cover prestorm evacuation (c) Not apply except as excess over the expenses, other than described in amount due from any other insurance 4.b.(1) above covering the property, whether E. Additional Coverages 4.c. Fire Department collectible or not; and 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 If CIT 0414 is not part of this policy,you may extend that would have been the case if all the insurance provided by this Coverage Part as windstorm insurance policies covering follows: the Covered Property had contained an H. Coverage Extensions 5.a. Newly Acquired Or identical optional extension of coverage Constructed Property is deleted in its entirety. and the same election were made under I. Coverage Extensions 5.b. Personal Effects And all such policies. Property Of Others is dealing with the amount we (4) This extension d.applies only to property 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 12 23 with its permission 3756 K. Coverage Extensions 5.e. Outdoor Property is (2) We will pay the cost of conducting any deleted in its entirety. mediation conferences. L. Coverage Extensions 5.f. Non-owned Detached If you fail to appear at the conference,the Trailers is deleted in its entirety. conference must be rescheduled upon M. C. Limits Of Insurance is deleted and replaced by your payment of the costs of a the following: rescheduled conference. The most we will pay for loss or damage in any one (3) However, if we fail to appear at a occurrence is the applicable Limit of Insurance mediation conference requested by you shown in the Declarations. without good cause, we will pay: The amounts of insurance stated in the following (a) The actual cash expenses you Additional Coverages apply in accordance with the incurred while attending the terms of such coverages and are separate from the conference; and Limit(s) of Insurance shown in the Declarations for (b) Also pay the mediator's fee for the any other coverage: rescheduled conference. 1. Pollutant Clean-up And Removal; and b. Appraisal. 2. Electronic Data. Appraisal is an alternative dispute resolution N. D. Deductible is deleted in its entirety and replaced method to address and resolve with Windstorm Or Hail Percentage Deductible, disagreement regarding the amount of the form CIT 03 21. covered loss. O. The Loss Condition Appraisal is deleted and (1) If you and we fail to agree on the amount replaced by the following: of loss, either party may demand an appraisal of the loss. If you or we demand 2. Alternative Dispute Resolution. appraisal, the demand for appraisal must a. Mediation. be in writing and shall include an estimate If this policy covers a residential structure or of the amount of any dispute that results its contents and if either you and we are in from the covered cause of loss. dispute regarding a claim under this policy (2) The estimate in b.(1) above shall include for that residential structure or contents, a description of each item of damaged either you or we may request a mediation of property in dispute as a result of the the loss in accordance with the rules covered loss, along with the extent of established by the Florida Department of damage and the estimated amount to Financial Services. repair or replace each item. (1) If the dispute is mediated the settlement (3) Upon receipt of the written demand for in the course of the mediation is binding appraisal, the parties shall have up to 60 only if both parties agree, in writing, on a calendars days from receipt of the written settlement. demand to examine all damages However,you may rescind the settlement claimed, including the right to re-inspect within 3 business days after reaching the property, before commencing the settlement, unless you have cashed or formal Appraisal process. deposited any settlement check or draft The start of the formal Appraisal process we disbursed to you for the disputed will not begin until the earlier of: matters as a result of the mediation (a) The day the parties mutually agree in conference. writing to commence the formal appraisal process; or (b) The 61 st calendar day after the receipt of the written demand for appraisal; CIT CNRW 01 25 12 23 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 11 with its permission 3757 (4) Upon commencement of the formal (a) The two appraisers who have agreed Appraisal process as outlined above in in setting the amount of loss; or 2.b.(3) above each party will choose a (b) The umpire and the appraiser who competent appraiser within 20 days from has agreed with the umpire in setting the date of commencement. the amount of loss. In order to be deemed competent, each The appraisal award shall include the appraiser must be experienced and following: proficient in preparation of commercial property damage estimates, conducting (a) A detailed list, including the amount to on-site examination of commercial repair or replace,of each specific item property damages and reviewing included in the award from the commercial engineering reports, appraisal findings; regarding repair and replacement of (b) The agreed amount of each item, its commercial property multi-story and replacement cost value and high-rise commercial building damage corresponding actual cash value; and business personal property damage. (c) Provisions relevant to the umpire's (5) The appraisers will separately set the agreement to act in accordance with amount of loss. If the appraisers submit a the Policy provisions; and written report of an agreement to us, the (d) A statement of "This award is made amount agreed upon will be the amount subject to the terms and conditions of of loss. the policy." Both appraisers must sign the written (10) Each party will: report of agreement. (6) If the appraisers fail to agree within 60 (a) Pay its own appraiser, including their costs associated with producing the days from the commencement of the formal appraisal process, the two estimate described in b.(1) above; and appraisers will choose a competent and impartial umpire. (b) Pay the reasonable fees and the To be deemed competent, the umpire reasonable expenses of the appraisal selected by the two appraisers above and umpire equally. must be experienced and proficient in (11) You, we, the appraisers and the umpire preparation of commercial property shall be given reasonable and timely damage estimates, conducting on-site access to inspect the damaged property, examination of commercial property in accordance with the terms of the damages and reviewing commercial policy. expert reports, regarding the repair and (12) If, however, we requested the mediation replacement of commercial property in 2.a. above and either party rejects the damage. mediation results, you are not required to (7) If the two appraisers cannot agree upon submit to, or participate in, any appraisal an umpire within 15 days or we may of the loss as a precondition to action request that the choice be made by a against us for failure to pay the loss. judge of a court of record located in the (13) If, however, you or any party other than county corresponding to the applicable us requested the mediation in 2.a.above, LOCATION NO. and its DESCRIPTION we may still demand appraisal. OF PREMISES address shown in the Declarations in accordance with the following: (8) The two appraisers will submit their differences to the umpire. A decision agreed to by any two will set the amount of the loss. (9) The appraisal award will be in writing, must be provided in a form approved by us, and must be signed by either: Page 4 of 11 Includes copyrighted material of Insurance Services Office, Inc., CIT CNRW 01 25 12 23 with its permission 3758 P. Loss Condition E.3. Duties In The Event Of Loss (a) The description of the loss, including Or Damage is deleted and replaced by the the date and time of the loss, the following: cause of the loss,a description of how (This is Loss Condition EA. in form CP 00 18) the loss occurred, when the loss was discovered, and who discovered the 3. Duties In The Event Of Loss Or Damage loss; a. In case of a loss to covered property, we (b) The names of all persons who resided have no duty to provide coverage under this at the insured location at the time of Policy, if there is failure to comply with any loss; of the following duties. These duties must be performed either by you, any other insured (c) The interests of all insureds and all seeking coverage, or a representative of others in the property involved and all either. liens on the property; (1) Give us prompt notice of the loss or (d) Other insurance which may cover the damage. Include a description of the loss; property involved. (e) Changes in title or occupancy of the (2) As soon as possible, give us or any property during the term of the policy; person authorized to act on our behalf a and description of how, when and where the (f) Specifications of the damage to the loss or damage occurred. building, including: (3) Take all reasonable steps to protect the (i) Detailed descriptions of the Covered Property from further damage, damage to the property; and keep a record of your expenses (ii) Repair estimates which show the necessary to protect the Covered extent of damage to each item or Property, for consideration in the property; settlement of the claim. (iii) Estimated amount(s) to repair or This will not increase the Limit of replace each item of property; Insurance. and However, we will not pay for any (iv) Amount(s) of payment made for subsequent loss or damage resulting any temporary or permanent from a cause of loss that is not a Covered repairs. Cause of Loss. To the degree reasonably possible, Photographs, videos and any other damaged property and any other supporting documentation that exists property that is related to the loss, should be included to the extent it is whether the property is covered or not, reasonable and practical to obtain. must be retained for us or any person (7) The inventory of damaged Business authorized to act on our behalf, to Personal Property described in a.(14) inspect. below. (4) Keep an accurate record of expenses. (8) Produce any updates to the documents (5) Within 14 days after the discovery of the and information in a.(1) through a.(7) above, including revised descriptions of loss, or earlier if reasonably possible, loss, scope of loss, estimates or other notify the police if a law may have been supporting information: broken and provide us a copy of the police report. (a) As this information becomes (6) Send to us, within 60 days after our available, and if additional loss or request, a signed, sworn statement in a damage is discovered or incurred;and Proof of Loss form provided by us and completed in its entirety,which sets forth, (b) If you are provided with new to the best of your knowledge and belief: estimates or invoices regarding the losses submitted or not submitted in the proof of loss. CIT CNRW 01 25 12 23 Includes copyrighted material of Insurance Services Office, Inc., Page 5 of 11 with its permission 3759 (9) Cooperate with us or any person (14) At our request, give us or any person authorized to act on our behalf, in the authorized to act on our behalf, complete investigation or settlement of the claim. inventories of the damaged and This includes speaking and sharing undamaged property. Include information with us or any person descriptions, quantities, costs, values authorized to act on our behalf, and and amount of loss claimed. providing documents which can be Attach all bills, receipts and related reasonably obtained by you, to facilitate documents that justify the figures in the our investigation of the claim. inventory. When requested, this includes providing (15) As often as we or any person authorized us with a copy of all minutes, associated to act on our behalf, reasonably require: notes, rules and regulations and exhibits, (a) Show the damaged property retained created or developed at or as a result of as required by this policy; and meetings of the insured's governing board and its committees. (b) Provide requested records and documents, including all updates to A representative of an insured: the revised documentation, and (a) Must cooperate with our permit us or any person authorized to investigation; act on our behalf, to make copies. (b) Must not act in any manner that (16) Cooperate in obtaining and executing prevents us or any person acting on any necessary municipal, county or other our behalf, from investigating the governmental documentation or permits claim; and for repairs to be made and any necessary (c) May not act in any manner to obstruct work authorizations, as required by these our investigation. entities. (10) As often as we reasonably require, allow (17) To the degree reasonably possible, us or any person authorized to act on our retain the damaged property and any behalf: photographs and videos of the damaged property. (a) Access to the location insured; Allow us or any person authorized to act (b) To inspect the location insured, and to on our behalf, to inspect the retained inspect subject to a.(17), a.(18) and property and make copies of the a.(19) below all damaged property photographs and videos. and any other property that is related to the loss, whether the property is (18) To the degree reasonably possible, prior covered or not, prior to its removal to materially altering, destroying, from the insured location; trenching or excavating any part of the property or structure insured, allow us or (c) Examine your books and records;and any person authorized to act on our (d) To require an insured or their behalf, the opportunity to inspect the representative, or both if reasonably property. possible, to be present at our (19) To the degree reasonably possible, you inspection and to assist in identifying must permit us or any person authorized the damaged property during the to act on our behalf, to take samples of inspection. the damaged and undamaged property At our request, identify the person or for inspection, testing and analysis and persons with knowledge of how the loss permit us or any person acting on our occurred and the extent of damage. behalf, to make copies from your books (11) At our request, identify all person(s)with and records. knowledge of the facts of the loss. (20) As often as we or any person authorized (12) Execute all work authorizations and allow to act on our behalf reasonably require: contractors and related parties entry to (a) You or any insured; the property. (13) Keep an accurate record of repair expenses. Page 6 of 11 Includes copyrighted material of Insurance Services Office, Inc., CIT CNRW 01 25 12 23 with its permission 3760 (b) Any member, officer, director, partner (2) Within 30 days after we receive the or similar representative of the sworn proof of loss and: association, corporation or other (a) There is an entry of a final judgment; entity, if you are the association, or corporation or other entity, who is an insured; and (b) There is a filing of an appraisal award (c) Any agent or representative, with us; or including any public adjuster, (3) Within 60 days of receiving notice of an engaged on behalf of you or any initial, reopened, or supplemental insured, or any member, officer, property insurance claim, unless we deny director, partner or similar the claim during that time or factors representative of an association, beyond our control. corporation, or other entity, described If a portion of the claim is denied,then the in (20)(b) above; 60-day time period for payment of claim must: relates to the portion of the claim that is (a) Submit to examinations under oath not denied. and recorded statements, at the Paragraph (3) above does not form the location insured or other reasonable sole basis for a private cause of action location designated by us,while not in against us. the presence of each other or any Paragraph (3) applies only to the other insured; following: (b) Provide government issued photo (a) A claim under a policy covering identification. If you do not possess residential property; government issued photo (b) A claim for building or contents identification, a signed sworn coverage if the insured structure is statement identifying who you are 10,000 square feet or less and the may be accepted; and policy covers only locations in Florida; (c) Sign any transcript of the or examinations under oath and (c) A claim for contents coverage under recorded statements. a tenant's policy if the rented Such examinations and recorded premises are 10,000 square feet or statements must be either in-person or less and the policy covers only utilize video and audio technology, or locations in Florida. both, as determined by us; and R. In form CP 00 17, the following applies: Such examinations and recorded If you name an insurance trustee, we will statements may be about any matter adjust losses with you, but we will pay the relating to this insurance or the claim, insurance trustee. If we pay the trustee, the including an insureds books and payments will satisfy your claims against us. records. b. The duties above apply regardless of S. The Loss Condition Loss Payment, paragraph whether a person retains or is assisted by a 4.a.(4) is deleted and replaced by the following: party who provides legal advice, insurance (4) Repair, rebuild or replace any part or item advice or expert claim advice, regarding an of the damaged property with material or insurance claim under this policy. property of like kind and quality, subject Q. The Loss Payment Condition dealing with the to b. below. number of days within which we must pay for (This is paragraph 5.a.(4) in form CP 00 18) covered loss or damage is replaced by the following: Provided you have complied with all the terms of this Coverage Part, we will pay for covered loss or damage upon the earliest of the following: (1) Within 20 days after we receive the sworn proof of loss and reach written agreement with you; CIT CNRW 01 25 12 23 Includes copyrighted material of Insurance Services Office, Inc., Page 7 of 11 with its permission 3761 T. The Loss Condition Loss Payment, paragraph X. The Loss Condition Vacancy, paragraph 6. in form 4.a.(5) is added: CP 00 10 and paragraph 7. in forms CP 00 17 and (5) If an identical replacement is not CP 00 18, is deleted in its entirety. available, we may, at our option, Y. The following is added to the Loss Condition substitute replacement of equal or Valuation: greater features, functions or capacities Throughout this policy, when determining the of the damaged property, subject to b. actual cash value of the loss, the costs below. necessary to repair, rebuild or replace the (This is paragraph 5.a.(5) in form CP 00 18) covered damaged property may be U. The Loss Condition Loss Payment, paragraph 4.c. depreciated. Such costs subject to is deleted and replaced by the following: depreciation may include, but are not limited to, goods, materials, equipment, labor, c. We will give the first Named Insured, mail to overhead and profit, taxes, fees or similar the first Named Insured at the address charges. shown in the Declarations, or "electronically transmit" to the first Named Insured, written Z. forms CP 00 17, Loss Condition Valuation, p notice of our intentions within 30 days after paragraph 8.d. is added: we receive the signed, sworn proof of loss. d. "Stock"you have sold but not yet delivered at Proof of mailing or "electronic transmittal" is the selling price less discounts and expenses sufficient proof of notice. you otherwise would have had. (This is paragraph 5.c. in form CP 00 18) AA.In the Loss Conditions, the following is added: V. The following is added to the Loss Payment Salvage Condition: We may permit you to keep damaged insured Payment of a portion of the claim(s) being property after a loss. If we permit you to keep asserted in a loss under this policy does not damaged insured property, we will reduce the act as a waiver of our right to dispute or deny amount of loss proceeds payable to you under the any unpaid portion of any claim(s) that you policy by the value of the salvage. may assert arose from a loss. BB.In the Loss Conditions, the following is added: W. The following is added to the Loss Payment Notice Condition: A company employee adjuster, independent In case of loss to a pair, set or panels,we may adjuster, attorney, investigator, or other persons elect to: acting on behalf of us that needs access to an (1) Repair or replace any part to restore the insured or the claimant or to the insured property pair, set or panel to its value before the that is the subject of a claim must provide at least loss; 48 hours' notice to the insured or the claimant, public adjuster, or legal representative before (2) Pay the difference between the actual scheduling a meeting with the claimant or an onsite cash value of the property before and inspection of the insured property. after the loss; or The insured or the claimant may deny access to the (3) Pay in any loss involving part of a series property if notice has not been provided. The of pieces or panels: insured or the claimant may waive the 48-hour (a) The reasonable cost of repairing or notice. replacing the damaged part to match CC.In the Loss Conditions, the following is added: the remainder as closely as possible; Claim, Supplemental Claim, Or Reopened Claim or (b) The reasonable cost of providing an a. A claim or reopened claim is barred unless acceptable decorative effect or notice of the claim is given to us in accordance utilization as circumstances may with the terms of the Policy within 1 year after warrant. the date of loss. However, we do not guarantee the availability A reopened claim means a claim that we have of replacements, and we will not be liable, in previously closed, but that has been reopened the event of damage to or loss of a part,for the upon an insured's request for additional costs value, repair or replacement of the entire for loss or damage previously disclosed to us. series of pieces or panels. Page 8 of 11 Includes copyrighted material of Insurance Services Office, Inc., CIT CNRW 01 25 12 23 with its permission 3762 b. A supplemental claim is barred unless notice of HH.In the Additional Conditions,the following is added: the supplemental claim is given to us in With respect to any coverage provided under this accordance with the terms of the Policy within Coverage Form to a Condominium Association, 18 months after the date of loss. this insurance does not cover any loss to a A supplemental claim means a claim for Condominium Association by reason of a additional loss or damage from the same peril deductible incurred by or applied to it under other which we have previously adjusted or for which insurance covering the same loss or by reason of costs have been incurred while completing the failure by the Condominium Association to repairs or replacement pursuant to an open obtain other insurance and it does not cover any claim for which timely notice was previously loss incurred by or assessed against the individual provided to us. unit owner(s) as a direct result of such deductible c. For claims resulting from "hurricane(s)", or such failure to obtain other insurance and tornadoes, windstorms, severe rain, or other neither the unit owner(s) nor the Condominium weather-related events, the date of loss is the Association shall have a right of subrogation date that the "hurricane" made landfall or the against us. tornado, windstorm, severe rain, or other weather-related event is verified by the National II. In form CP 00 17, Optional Coverages, Oceanic and Atmospheric Administration. Replacement Cost, paragraph 3.b.(4) is added: This provision concerning time for submission of (4) "Stock", unless the Including "Stock" claim, supplemental claim or reopened claim does option is shown in the Declarations. not affect any limitation for legal action against us JJ.The following is added to H. Definitions part of this as provided in this Policy under the Legal Action policy: Against Us Condition, including any amendment to "Assumption insurer" means an insurer who that condition. assumes contractual liability of your Citizens policy DD.In forms CP 00 10 and CP 0017, Additional under an assumption agreement or take out plan Condition Mortgageholders, paragraph 2.a. is pursuant to Sections 627.351(6) and 627.3511, deleted and replaced by the following: Florida Statutes. a. The term mortgageholder includes trustee "Diminution in value" means any reduction in the and lienholder. value of any covered property as compared to the EE.In forms CP 00 10 and CP 0017, the following is value of that property immediately before the loss. added to Additional Condition Mortgageholders: "Electronic transmittal' means: Policy conditions relating to Appraisal, Legal a. The electronic transmittal of any Action Against Us and Loss Payment apply document or notice to the designated to the mortgagee. Primary Email Address shown in your FF.Additional Condition Coinsurance is deleted in its Declarations; or entirety. b. The electronic posting of any document or GG.In the Additional Conditions,the following is added: notice, with notification to you of the posted document or notice, by electronic transmittal Adjustment of Limits and Amounts to the designated Primary Email Address If this policy is a renewal with us, the Limit of shown in your Declarations. Insurance for your Covered Property may be (Hereafter referred to as "electronically adjusted. transmitted", "electronic transmittal', Any change in the Limit of Insurance does not, in "electronically transmit" or "electronically any way, represent, warrant, or guarantee to any transmitting") person or entity, that: a. These adjustments will keep pace with inflation; or b. The amounts of coverage are adequate to repair or rebuild any specific building or structure. CIT CNRW 01 25 12 23 Includes copyrighted material of Insurance Services Office, Inc., Page 9 of 11 with its permission 3763 "Hurricane" means a "hurricane" means a storm MM.In the Common Policy Conditions, the following is system that has been declared to be a hurricane by added: the National Hurricane Center of the National Renewal Notification Weather Service. The duration of the "hurricane" includes the time period, in Florida: If we elect to renew this policy, we will let the first a. Beginning at the time a hurricane warning is Named Insured know, in writing: issued for any part of Florida by the National 1. Of our decision to renew this policy; and Hurricane Center of the National Weather 2. The amount of renewal premium payable to Service; and us. b. Ending 72 hours following the termination of This notice will be delivered to the first Named the last hurricane watch or hurricane warning Insured, mailed to the first Named Insured at the issued for any part of Florida by the National mailing address shown in the Declarations, or Hurricane Center of the National Weather "electronically transmitted" to the first Named Service. Insured, at least 45 days before the expiration date KK.In Form CP 00 17, the following definition is added of this policy. H. Definitions part of this policy: Proof of mailing or "electronic transmittal" is "Stock"means merchandise held in storage or for sufficient proof of notice. sale, raw materials and in-process or finished NN.In the Common Policy Conditions, the following is goods, including supplies used in their packing or added: shipping. Document Transmittal LL.In the Common Policy Conditions, the Inspections And Surveys Condition D. is deleted and replaced Upon affirmative election by you for Citizens to by the following: deliver policy documents by electronic means in D. Inspections And Surveys. lieu of delivery by mail, we may "electronically transmit"any document or notice to you. 1. We have the right to: Proof of"electronic transmittal' is sufficient proof of a. Make inspections and surveys at any notice. time; OO.In the Commercial Property Conditions, the b. Give you reports on the conditions we Concealment, Misrepresentation Or Fraud find; and Condition A. is deleted and replaced by the c. Recommend changes. following: 2. We are not obligated to make any A. Incorrect Statements Or inspections, surveys, reports or Representations, Concealment Or recommendations and any such actions we Fraudulent Conduct. do undertake relate only to insurability and 1. We do not provide coverage under this the premiums to be charged. Policy to you or any insureds who, We do not make safety inspections. We do before, during or after a loss, separately not undertake to perform the duty of any or in any manner in conjunction with person or organization to provide for the each other or in conjunction with any third health or safety of workers or the public. parties, have, relating to this insurance: And we do not warrant that conditions: a. Made one or more material incorrect statements or representations; a. Are safe or healthful; or b. Concealed any material fact or b. Comply with laws, regulations, codes or circumstance; or standards. 3. This condition applies not only to us, but also c. Engaged in fraudulent conduct. to any rating, advisory, inspection service or 2. We do not provide coverage under this similar organization which makes insurance Policy to you or any insureds, when you inspections, surveys, reports or or any insured had knowledge of, but recommendations. failed to disclose that any claimant, or agent or representative of you, any insured, or any claimant, engaged in any of the behavior described in 3.a. through 3.c. below. Page 10 of 11 Includes copyrighted material of Insurance Services Office, Inc., CIT CNRW 01 25 12 23 with its permission 3764 3. We do not provide coverage under this Policy to any other claimant or other claimants seeking benefits under the policy on any basis who, before, during or after a loss, separately or in any manner in conjunction with each other, you, any insureds or any third parties, have, relating to this insurance: a. Made one or more material incorrect statements or representations; b. Concealed any material fact or circumstance; or c. Engaged in fraudulent conduct. 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 60 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 added: We will not pay for loss or damage while the chance of loss or damage is increased by any 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 of this policy you agree: RR.The following is added to this policy: IN WITNESS WHEREOF, Citizens Property Insurance Corporation has executed and attested these presents. Citizens Property Insurance Corporation CIT CNRW 01 25 12 23 Includes copyrighted material of Insurance Services Office, Inc., Page 11 of 11 with its permission 3765 COMMERCIAL PROPERTY CIT 03 21 12 23 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WINDSTORM OR HAIL PERCENTAGE DEDUCTIBLE This endorsement modifies insurance provided under the following: BUILDING AND PERSONAL PROPERTY COVERAGE FORM CONDOMINIUM ASSOCIATION COVERAGE FORM CONDOMINIUM COMMERCIAL UNIT-OWNERS COVERAGE FORM The Windstorm or Hail Deductible, as shown in the 2. We will not pay for loss or damage until the Declarations, applies to covered loss or damage to amount of loss or damage exceeds the Covered Property caused directly or indirectly by applicable Windstorm or Hail Deductible. Windstorm or Hail or by a "hurricane", regardless of We will then pay the amount of loss or damage any other cause or event that contributes concurrently in excess of that Deductible, up to the or in any sequence to the loss or damage. applicable Limit of Insurance, after any With respect to Covered Property at a location reduction required by any applicable identified in the Declarations, no other deductible Coinsurance Condition. applies to Windstorm or Hail or"hurricane". 3. Applicable to policies with the CAUSES OF This Deductible applies to each occurrence of LOSS— BASIC FORM (CP 10 10) Windstorm or Hail, or to each occurrence of a In determining the amount, if any, that we will "hurricane". pay for loss or damage in any one occurrence, Nothing in this endorsement implies or affords we will deduct an amount equal to the coverage for any loss or damage that is excluded Windstorm or Hail Deductible percentage (as under the terms of the Water Exclusion or any other shown in the Declarations) of the "Total exclusion in this policy. Replacement Cost" amount (as shown in the WINDSTORM OR HAIL DEDUCTIBLE Declarations) applicable to the property that CALCULATIONS has sustained loss or damage. All Policies In any one occurrence of windstorm or hail or any one occurrence of "hurricane", the total 1. A Deductible is calculated separately for, and deductible, for all covered windstorm or hail applies separately to: losses or covered "hurricane" losses, will not a. Each building, mobilehome, or structure be less than $1,000. that sustains loss or damage; 4. Applicable to policies with the CAUSES OF b. The personal property at each building, LOSS — WINDSTORM OR HAIL FORM (CIT each mobilehome, or each structure, at W1010) which there is loss or damage to personal In determining the amount, if any, that we will property; and pay for loss or damage in any one occurrence, c. Personal Property in the open. we will deduct an amount equal to the If there is damage to both a building, a Windstorm or Hail Deductible percentage (as mobilehome, or structure and personal shown in the Declarations) of the "Total property in that building, mobilehome or Replacement Cost/BPP Actual Cash Value" structure, separate deductibles apply to the amount (as shown in the Declarations) building, mobilehome, or structure, and to the applicable to the property that has sustained personal property in each building, loss or damage. mobilehome, or structure. In any one occurrence of windstorm or hail or any one occurrence of "hurricane", the total deductible, for all covered windstorm or hail losses or covered "hurricane" losses, will not be less than $1,000. CIT 03 21 12 23 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 2 with its permission 3766 5. Applicable to policies with the CAUSES OF LOSS - BASIC FORM (CP 10 10 or CIT W10 10) Calculation Of The Deductible — Property Covered Under The Coverage Extension For Newly Acquired Or Constructed Property When property is covered under the Coverage Extension for Newly Acquired or Constructed Property: a. In determining the amount, if any, that we will pay for loss or damage, we will deduct an amount equal to a percentage of the value(s)of the property at time of loss. b. The applicable percentage for Newly Acquired or Constructed Property is the highest percentage shown in the Declarations for any described premises. All other provisions of this policy apply. Page 2 of 2 Includes copyrighted material of Insurance Services Office, Inc., CIT 03 21 12 23 with its permission 3767