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Home My WebLink AboutItem Q4 Q4 BOARD OF COUNTY COMMISSIONERS COUNTY of MONROE Mayor James K.Scholl,District 3 The Florida Keys Mayor Pro Tern Michelle Lincoln,District 2 Craig Cates,District 1 David Rice,District 4 Holly Merrill Raschein,District 5 Board of County Commissioners Meeting May 21, 2025 Agenda Item Number: Q4 2023-3951 BULK ITEM: No DEPARTMENT: Risk Management TIME APPROXIMATE: STAFF CONTACT: Gaelan Jones N/A AGENDA ITEM WORDING: Approval of Renewal of Primary Windstorm Insurance Policy for Policy Year 2025-26 with annual premium of$1,235,309.00 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 31 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 2024/2025 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$1,387,478.00 for their 2024/2025 Citizens Wind Policy which will expire on May 29, 2025. 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. Citizens has issued their renewal notice for the 2025/2026 policy term reflecting a premium of $1,235,309.00, a decrease of$152,169 (-10.9%) from the 2024-25 policy. This annual premium is in addition to the previously-paid cost of a separate policy issued for East Martello Tower in the amount of $52,132.00 for 2025-26. The total premium for the primary windstorm policy through Citizens is $1,287,441.00 PREVIOUS RELEVANT BOCC ACTION: 5/15/2024 - Board approved renewal of 2024/25 Citizens Windstorm insurance. INSURANCE REQUIRED: 4667 No CONTRACT/AGREEMENT CHANGES: Insurance renewal. STAFF RECOMMENDATION: Approval to renew 25/26 Citizen Windstorm Insurance Policy. DOCUMENTATION: Citizens RenewalOffer 25-26.pdf FINANCIAL IMPACT: Effective Date: May 29, 2025 Expiration Date: May 29, 2026 Total Dollar Value of Contract: $1,235,309.00 Total Cost to County: $1,235,309.00 Current Year Portion: $1,235,309.00 Budgeted: Yes Source of Funds: 503-08502 CPI: No. Indirect Costs: No. Estimated Ongoing Costs Not Included in above dollar amounts: N/A Revenue Producing: No If yes, amount: Grant: No County Match: No Insurance Required: No Additional Details: Annual Premium for Citizens Primary Windstorm Policy(Excluding East Martello) 4668 JAMES GIBSON SOUTHERNMOST INSURANCE AGENCY 1010 KENNEDY DR STE 300 KEY WEST, FL 33040 MONROE COUNTY, FLORIDA ATTN: GALEN JONES 1111 12TH STREET STE: 408 KEY WEST, FL 33040 4669 4670 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 30, 2025 BILLED TO: Invoice Summary MONROE COUNTY, FLORIDA Amount Due $1,235,309.00 ATTN: GALEN JONES 1111 12TH STREET STE: 408 Payment Due May 29, 2025 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: 12 Policy period: 05/29/25 to 05/29/26 Payment Plans At-a-Glance Renewal premium: $1,235,309.00 Initial Installment Installment Installment Payment Quarterly* $494123 $247062 $247062 $247062 emiarinual* $741186 $494123 j Contact your agent with questions Payment Due 05/29/25 08/29/25 12/01/ 55 03/02/26 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, 2025 Policy Number: 00015845 Term: 12 Insured: MONROE COUNTY, FLORIDA Remit payment to: Amount Due $1,235,309.00 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. 000158451125211648767500123530`4671 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. 4672 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 4673 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. CNRW2 1224 4674 FLORIDA CHANGES, form CIT CNRW 01 25 10 24 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 A. - The policy is amended to express outdoor furniture is not covered if loss or damage occurs during a "hurricane", unless the loss or damage to the furniture occurs while the furniture is located in an enclosed building. o Part G. - A new Reasonable Measures To Protect the Property provision is introduced limiting emergency measure payment to protect each building from further damage, including but not limited to temporary repairs, tarping, shrink wrap, water mitigation, board- up of that building and similar measures, to the greater of $15,000 or 3% of the corresponding separate building's Limit Of Insurance. o Part K. - Property Off-premises, paragraph d. (1) is amended to "When a Limit of Insurance is shown in the Declarations for a specifically listed building's business personal property, you may apply up to 2% of the Limit of Insurance applicable to that building's business personal property, but not to exceed $5,000, to cover that building's business personal property owned by you, other than merchandise or "stock" (raw, in-process, or finished), while the business personal property is temporarily removed from the building for purposes of cleaning, repairing, reconstruction, or restoration." o Part P. - Appraisal is amended to require both parties agree in writing to appraise the loss, before the appraisal process begins. The term "formal" is deleted and "The Appraisal Award shall not include any permanent repairs completed prior to our Appraisal inspection and we shall not be responsible for payment of any such repairs as part of an Appraisal Award." is added. o Part Q. - A duty is added to provide us, at our request, with an unedited copy of all recordings and photographs, including but not limited to, video recordings, audio recordings and photographs, taken by the insured(s) or their representative of inspections initiated by us under the policy. o Part R. - A private cause of action against us clause is deleted. 2 CNRW2 1224 4675 o Part GG. - The "Adjustment Of Limits And Amounts" condition is amended to better express the policy's coverage limits may be adjusted at renewal and are not guaranteed to be adequate to repair or replace property. o Part KK. - A Recordings condition is added stipulating "At our request, provide us with an unedited copy of all recordings and photographs, including but not limited to, video recordings, audio recordings and photographs, taken by you or your representative of inspections initiated by us under the policy." FLORIDA COMMERCIAL MOBILEHOME, form CIT MH 05 01 10 24 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 A. - The policy is amended to express outdoor furniture is not covered if loss or damage occurs during a "hurricane", unless the loss or damage to the furniture occurs while the furniture is located in an enclosed building. o Part H. - A new Reasonable Measures To Protect the Property provision is introduced limiting emergency measure payment to protect each building from further damage, including but not limited to temporary repairs, tarping, shrink wrap, water mitigation, board- up of that building and similar measures, to the greater of $15,000 or 3% of the corresponding separate building's Limit Of Insurance. o Part K. - Property Off-premises, paragraph d. (1) is amended to "When a Limit of Insurance is shown in the Declarations for a specifically listed building's business personal property, you may apply up to 2% of the Limit of Insurance applicable to that building's business personal property, but not to exceed $5,000, to cover that building's business personal property owned by you, other than merchandise or "stock" (raw, in-process, or finished), while the business personal property is temporarily removed from the building for purposes of cleaning, repairing, reconstruction, or restoration." o Part Q. - The term "either" is added in the first paragraph of the Mediation Alternative Dispute Resolution. 3 CNRW2 1224 4676 o Part Q. - Appraisal is amended to require both parties agree in writing to appraise the loss, before the appraisal process begins. The term "formal" is deleted and "The Appraisal Award shall not include any permanent repairs completed prior to our Appraisal inspection and we shall not be responsible for payment of any such repairs as part of an Appraisal Award." is added. o Part R. - A duty is added to provide us, at our request, with an unedited copy of all recordings and photographs, including but not limited to, video recordings, audio recordings and photographs, taken by the insured(s) or their representative of inspections initiated by us under the policy. o Part S. - A private cause of action against us clause is deleted. o Part II. - The "Adjustment Of Limits And Amounts" condition is amended to better express the policy's coverage limits may be adjusted at renewal and are not guaranteed to be adequate to repair or replace property. o Part MM. - A Recordings condition is added stipulating "At our request, provide us with an unedited copy of all recordings and photographs, including but not limited to, video recordings, audio recordings and photographs, taken by you or your representative of inspections initiated by us under the policy." FLORIDA CHANGES — BUILDERS RISK, form CIT BR 01 25 10 24 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 C. - A new Reasonable Measures To Protect the Property provision is introduced limiting emergency measure payment to protect each building from further damage, including but not limited to temporary repairs, tarping, shrink wrap, water mitigation, board- up of that building and similar measures, to the greater of $15,000 or 3% of the corresponding separate building's Limit Of Insurance. o Part D. - The second paragraph in Limits Of insurance is amended to "The amount of insurance applicable to the Coverage Extension of Pollutant Clean-up And Removal apply in accordance with the terms of such coverage and is in addition to the Limit(s) of Insurance." o Part F. - The term "either" is added in the first paragraph of the Mediation Alternative Dispute Resolution. 4 CNRW2 1224 4677 o Part F. -Appraisal is amended to require both parties agree in writing to appraise the loss, before the appraisal process begins. The term "formal" is deleted and "The Appraisal Award shall not include any permanent repairs completed prior to our Appraisal inspection and we shall not be responsible for payment of any such repairs as part of an Appraisal Award." is added. o Part G. - A duty is added to provide us, at our request, with an unedited copy of all recordings and photographs, including but not limited to, video recordings, audio recordings and photographs, taken by the insured(s) or their representative of inspections initiated by us under the policy. o Part H. - A private cause of action against us clause is deleted. o Part T. - A duty is added to provide us, at our request, with an unedited copy of all recordings and photographs, including but not limited to, video recordings, audio recordings and photographs, taken by the insured(s) or their representative of inspections initiated by us under the policy. Citizens Changes — Property Not Covered, form CIT W14 20 10 24 o The exclusion "Paint or waterproofing material including stain, applied to the exterior of any building or structure;" is deleted. Cause Of Loss — Windstorm Or Hail Florida, form CIT W10 10 10 24 o Covered Causes Of Loss, paragraph 1.d. is amended to "Loss or damage to the interior of any building or structure, or the property inside the building or structure, caused by rain, snow, sleet, sand, or dust, whether driven by wind or not, unless the direct force of wind or hail first damages the building or structure causing an opening in the roof or wall and the rain, snow, sleet, sand, or dust enters through this opening." o The Neglect exclusion is amended to "Neglect. Neglect to use all reasonable means to save and preserve property at and after the time of loss." 5 CNRW2 1224 4678 o A Professional Services exclusion is added expressing "Any payment for expenses of engineering reports, professional services, or other expert opinions, reports, or estimates to establish and/or determine the cause of loss or the amount of loss, rendered by professionals including, but not limited to appraisers, inspectors, contractors, plumbers, consultants, estimators, roofers, or engineers paid for or ordered by you or any insured or any representative acting on your or any insured's behalf." o The "Exterior Paint Or Waterproofing" exclusion (Exclusion aa.) is added. Florida Changes — Cancellation And Nonrenewal, form CIT W02 55 10 24 If this form is part of your policy, the form has been changed as follows: o The cancellation receivership provision is amended to stipulate when a policy has been in effect for 60 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. o The Nonrenewal condition is amended to disclose approved surplus line insurers may assume or may take out policies from Citizens. 6 CNRW2 1224 4679 Florida Changes - Residential Condominium Associations, form CIT 01 91 10 24 If this form has been made part of your policy, the form has been changed as follows: o The form is amended to express property that is the unit owner's insurance responsibility and the property that is a condominium association's insurance responsibility. 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. 7 CNRW2 1224 4680 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY POLICY NUMBER: 00015845-12 POLICY PERIOD FROM 05/29/2025 TO 05/29/2026 at 12:01 a.m. Eastern Time Transaction: RENEWAL Item Prior Policy Information Amended Policy Information Policy Info Contact Address(First Named Insured: MONROE COUNTY, FLORIDA) Address Line 1 ATTN: Brian Bradley ATTN:Galen Jones Locations and Buildings 10: 151 MARINE AVE Location Num 11 10 1:ONE STORY WIND RESISTIVE FIRE AND AMBULANCE STATION BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 872000.00 Most Recent Inflation Amt TRC Ext 1676000.00 1718000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $1,676,000 $1,718,000 Hurricane, Other Windstorm or Hail Deductible Amount $83,800 $85,900 10:50 HIGH POINT RD Added Deleted 11:3981 OCEAN TER Location Num 12 11 1:ONE STORY WR JAIL BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 892000.00 Most Recent Inflation Amt TRC Ext 1572000.00 1611000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $1,572,000 $1,611,000 Hurricane, Other Windstorm or Hail Deductible Amount $78,600 $80,550 12:2798 OVERSEAS HWY Location Num 13 12 1:TWO STORY 10 UNIT WIND RESISTIVE COUNTY OFFICE BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 786000.00 Most Recent Inflation Amt TRC Ext 4312000.00 4420000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $4,312,000 $4,420,000 Hurricane, Other Windstorm or Hail Deductible Amount $215,600 $221,000 Roof Remaining Useful Life(Years) 6 5 13:3103 OVERSEAS HWY 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�4681 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-12 Effective Date: 05/29/2025 to 05/29/2026 Item Prior Policy Information Amended Policy Information Location Num 14 13 1:ONE STORY 3 UNIT MASONRY COURTHOUSE/POLICE SUBSTATION BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 769000.00 Most Recent Inflation Amt TRC Ext 1756000.00 1800000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $1,756,000 $1,800,000 Hurricane, Other Windstorm or Hail Deductible Amount $87,800 $90,000 14:3117 OVERSEAS HWY Location Num 15 14 1:ONE STORY WIND RESISTIVE SUB-COURTHOUSE BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 799000.00 Most Recent Inflation Amt TRC Ext 1316000.00 1349000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $1,316,000 $1,349,000 Hurricane, Other Windstorm or Hail Deductible Amount $65,800 $67,450 15:81830 OVERSEAS HWY Location Num 16 15 1:ONE STORY MASONRY LIBRARY BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 560000.00 Most Recent Inflation Amt TRC Ext 1294000.00 1326000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $1,294,000 $1,326,000 Hurricane, Other Windstorm or Hail Deductible Amount $64,700 $66,300 16:9400 OVERSEAS HWY Location Num 17 16 1:TWO STORY SWR AIRPORT TERMINAL BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 884000.00 Most Recent Inflation Amt TRC Ext 6301000.00 6459000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $6,301,000 $6,459,000 Hurricane, Other Windstorm or Hail Deductible Amount $315,050 $322,950 2:AIRCRAFT HANGER-8000 OS Coverages Building Coverage Limit 703,000 721,000 Most Recent Inflation Amount Ext 703000.00 721000.00 Most Recent Inflation Amt TRC Ext 703000.00 721000.00 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 2 of�4682 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-12 Effective Date: 05/29/2025 to 05/29/2026 Item Prior Policy Information Amended Policy Information Building Coverage:Total Replacement Cost $703,000 $721,000 Hurricane, Other Windstorm or Hail Deductible Amount $35,150 $36,050 3:AIRCRAFT HANGER-8000 OS Coverages Building Coverage Limit 703,000 721,000 Most Recent Inflation Amount Ext 703000.00 721000.00 Most Recent Inflation Amt TRC Ext 703000.00 721000.00 Building Coverage:Total Replacement Cost $703,000 $721,000 Hurricane, Other Windstorm or Hail Deductible Amount $35,150 $36,050 4:AIRCRAFT HANGER-8000 OS Coverages Building Coverage Limit 703,000 721,000 Most Recent Inflation Amount Ext 703000.00 721000.00 Most Recent Inflation Amt TRC Ext 703000.00 721000.00 Building Coverage:Total Replacement Cost $703,000 $721,000 Hurricane, Other Windstorm or Hail Deductible Amount $35,150 $36,050 5:T-4 AIRCRAFT HANGAR-8000 OS Coverages Building Coverage Most Recent Inflation Amount Ext 982000.00 Most Recent Inflation Amt TRC Ext 1046000.00 1072000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $1,046,000 $1,072,000 Hurricane, Other Windstorm or Hail Deductible Amount $52,300 $53,600 17: 10100 OVERSEAS HWY Location Num 18 17 1:ONE STORY MASONRY AIRCRAFT HANGER#2 Coverages Building Coverage Most Recent Inflation Amount Ext 933000.00 Most Recent Inflation Amt TRC Ext 2005000.00 2055000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $2,005,000 $2,055,000 Hurricane, Other Windstorm or Hail Deductible Amount $100,250 $102,750 2:ONE STORY MASONRY AIRCRAFT HANGER Coverages Building Coverage Limit 522,000 535,000 Most Recent Inflation Amount Ext 522000.00 535000.00 Most Recent Inflation Amt TRC Ext 522000.00 535000.00 Building Coverage:Total Replacement Cost $522,000 $535,000 Hurricane, Other Windstorm or Hail Deductible Amount $26,100 $26,750 18: 101485 OVERSEAS HWY Added Deleted 18: 1100 SIMONTON ST This summary is for informational purposes only and does not change any of the terms or provisions on your policy. Please carefully review your policy Declarations and any attached forms for a complete description of coverage. PCS 01 14 Page 3 of�4683 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-12 Effective Date: 05/29/2025 to 05/29/2026 Item Prior Policy Information Amended Policy Information Location Num 20 18 1:TWO STORY 8 UNIT WR OFFICE BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 982000.00 Most Recent Inflation Amt TRC Ext 8183000.00 8388000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $8,183,000 $8,388,000 Hurricane, Other Windstorm or Hail Deductible Amount $409,150 $419,400 Roof Remaining Useful Life(Years) 3 2 19:3583 S ROOSEVELT BLVD Location Num 22 19 1:ONE STORY MASONRY COUNTY GARAGE BUILDING Coverages Building Coverage Limit 503,000 516,000 Most Recent Inflation Amount Ext 503000.00 516000.00 Most Recent Inflation Amt TRC Ext 503000.00 516000.00 Building Coverage:Total Replacement Cost $503,000 $516,000 Hurricane, Other Windstorm or Hail Deductible Amount $25,150 $25,800 Roof Remaining Useful Life(Years) 3 2 1:535 33RD ST 1:ONE STORY MASONRY AARP BUILDING K/A MELVIN LOVITT SENIOR CITIZEN BUILDING Coverages Building Coverage Limit 428,000 439,000 Most Recent Inflation Amount Ext 428000.00 439000.00 Most Recent Inflation Amt TRC Ext 428000.00 439000.00 Building Coverage:Total Replacement Cost $428,000 $439,000 Hurricane, Other Windstorm or Hail Deductible Amount $21,400 $21,950 20:3491 S ROOSEVELT BLVD Added Deleted 20:500 WHITEHEAD ST Location Num 24 20 1:TWO STORY 13 UNIT MASONRY COURT HOUSE ANNEX BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 491000.00 Most Recent Inflation Amt TRC Ext 8337000.00 8545000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $8,337,000 $8,545,000 Hurricane, Other Windstorm or Hail Deductible Amount $416,850 $427,250 21: 1200 TRUMAN AVE Added Deleted 21:530 WHITEHEAD ST Location Num 25 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�4684 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-12 Effective Date: 05/29/2025 to 05/29/2026 Item Prior Policy Information Amended Policy Information 1:THREE STORY 4 UNIT WIND RESISTIVE JUSTICE BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 786000.00 Most Recent Inflation Amt TRC Ext 7513000.00 7701000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $7,513,000 $7,701,000 Hurricane, Other Windstorm or Hail Deductible Amount $375,650 $385,050 22:938 WHITEHEAD ST Location Num 26 22 1:ONE STORY FRAME MUSEUM BUILDING Coverages Building Coverage Limit 601,000 616,000 Most Recent Inflation Amount Ext 601000.00 616000.00 Most Recent Inflation Amt TRC Ext 601000.00 616000.00 Building Coverage:Total Replacement Cost $601,000 $616,000 Hurricane, Other Windstorm or Hail Deductible Amount $30,050 $30,800 23:700 FLEMING ST Location Num 27 23 1:ONE STORY MASONRY LIBRARY BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 393000.00 Most Recent Inflation Amt TRC Ext 3036000.00 3112000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $3,036,000 $3,112,000 Hurricane, Other Windstorm or Hail Deductible Amount $151,800 $155,600 24:20950 OVERSEAS HWY Location Num 28 24 1:ONE STORY MASONRY SHERIFF SUBSTATION/FIRE STATION BUILDING Coverages Building Coverage Limit 445,000 456,000 Most Recent Inflation Amount Ext 445000.00 456000.00 Most Recent Inflation Amt TRC Ext 445000.00 456000.00 Building Coverage:Total Replacement Cost $445,000 $456,000 Hurricane, Other Windstorm or Hail Deductible Amount $22,250 $22,800 Roof Remaining Useful Life(Years) 3 2 25:2796 OVERSEAS HWY Location Num 29 25 26:5655 MACDONALD AVE Location Num 30 26 1:TWO STORY SWR STOCK ISLAND FIRE STATION BUILDING 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�4685 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-12 Effective Date: 05/29/2025 to 05/29/2026 Item Prior Policy Information Amended Policy Information Coverages Building Coverage Most Recent Inflation Amount Ext 982000.00 Most Recent Inflation Amt TRC Ext 2054000.00 2105000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $2,054,000 $2,105,000 Hurricane, Other Windstorm or Hail Deductible Amount $102,700 $105,250 27: 10330 OVERSEAS HWY Location Num 31 27 1:ONE STORY MASONRY AIRCRAFT HANGAR Coverages Building Coverage Most Recent Inflation Amount Ext 982000.00 Most Recent Inflation Amt TRC Ext 2191000.00 2246000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $2,191,000 $2,246,000 Hurricane, Other Windstorm or Hail Deductible Amount $109,550 $112,300 28:88770 OVERSEAS HWY Location Num 32 28 1:TWO STORY THREE UNIT SWR PK COURTHOUSE& DETENTION CENTER BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 982000.00 Most Recent Inflation Amt TRC Ext 16476000.00 16888000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $16,476,000 $16,888,000 Hurricane, Other Windstorm or Hail Deductible Amount $823,800 $844,400 29:22352 OVERSEAS HWY Location Num 33 29 1:ONE STORY SWR CUDJOE FIRE STATION BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 982000.00 Most Recent Inflation Amt TRC Ext 3767000.00 3861000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $3,767,000 $3,861,000 Hurricane, Other Windstorm or Hail Deductible Amount $188,350 $193,050 2:490 63RD ST 1:ONE STORY SWR GOVERNMENT CENTER ANNEX BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 953000.00 Most Recent Inflation Amt TRC Ext 1915000.00 1963000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $1,915,000 $1,963,000 This summary is for informational purposes only and does not change any of the terms or provisions on your policy. Please carefully review your policy Declarations and any attached forms for a complete description of coverage. PCS 01 14 Page 6 of�4686 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-12 Effective Date: 05/29/2025 to 05/29/2026 Item Prior Policy Information Amended Policy Information Hurricane, Other Windstorm or Hail Deductible Amount $95,750 $98,150 30:3490 OVERSEAS HWY Location Num 34 30 1:ONE STORY SWR LIBRARY&ADULT CENTER BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 982000.00 Most Recent Inflation Amt TRC Ext 5756000.00 5900000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $5,756,000 $5,900,000 Hurricane, Other Windstorm or Hail Deductible Amount $287,800 $295,000 31:6751 5TH ST BERNSTEIN PARK Location Num 35 31 1:TWO STORY SWR CLUBHOUSE/RECREATION BUILDING (NO OUTDOOR EQUIPMENT) Coverages Building Coverage Most Recent Inflation Amount Ext 982000.00 Most Recent Inflation Amt TRC Ext 3058000.00 3134000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $3,058,000 $3,134,000 Hurricane, Other Windstorm or Hail Deductible Amount $152,900 $156,700 2:ONE STORY MASONRY UTILITY/SHOP BUILDING Coverages Building Coverage Limit 170,000 174,000 Most Recent Inflation Amount Ext 170000.00 174000.00 Most Recent Inflation Amt TRC Ext 170000.00 174000.00 Building Coverage:Total Replacement Cost $170,000 $174,000 Hurricane, Other Windstorm or Hail Deductible Amount $8,500 $8,700 3: 10600 AVIATION BLVD 1:ONE STORY MASONRY COUNTY OFFICE BUILDING Coverages Building Coverage Limit 377,000 386,000 Most Recent Inflation Amount Ext 377000.00 386000.00 Most Recent Inflation Amt TRC Ext 377000.00 386000.00 Building Coverage:Total Replacement Cost $377,000 $386,000 Hurricane, Other Windstorm or Hail Deductible Amount $18,850 $19,300 2:ONE STORY MASONRY FLEET MAINTENANCE FACILITY BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 929000.00 Most Recent Inflation Amt TRC Ext 1505000.00 1543000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $1,505,000 $1,543,000 This summary is for informational purposes only and does not change any of the terms or provisions on your policy. Please carefully review your policy Declarations and any attached forms for a complete description of coverage. PCS 01 14 Page 7 of�4687 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION POLICY CHANGE SUMMARY Policy Number: 00015845-12 Effective Date: 05/29/2025 to 05/29/2026 Item Prior Policy Information Amended Policy Information Hurricane, Other Windstorm or Hail Deductible Amount $75,250 $77,150 5:5200 COLLEGE RD 1:ONE STORY MASONRY BUILDING HOMES FOR THE AGED Coverages Building Coverage Most Recent Inflation Amount Ext 951000.00 Most Recent Inflation Amt TRC Ext 1716000.00 1759000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $1,716,000 $1,759,000 Hurricane, Other Windstorm or Hail Deductible Amount $85,800 $87,950 7:5525 COLLEGE RD 1:THREE STORY WIND RESISTIVE SHERIFF'S ADMINISTRATION BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 491000.00 Most Recent Inflation Amt TRC Ext 7077000.00 7254000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $7,077,000 $7,254,000 Hurricane, Other Windstorm or Hail Deductible Amount $353,850 $362,700 8: 10 S CONCH AVE 1:TWO STORY WR FIRE STATION BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 925000.00 Most Recent Inflation Amt TRC Ext 1536000.00 1574000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $1,536,000 $1,574,000 Hurricane, Other Windstorm or Hail Deductible Amount $76,800 $78,700 9:28 EMERALD DR 1:TWO STORY WIND RESISTIVE BIG COPPITT FIRE SAFETY FACILITY BUILDING Coverages Building Coverage Most Recent Inflation Amount Ext 982000.00 Most Recent Inflation Amt TRC Ext 1580000.00 1620000.00 Inflation Factor Override Ext Yes No Building Coverage:Total Replacement Cost $1,580,000 $1,620,000 Hurricane, Other Windstorm or Hail Deductible Amount $79,000 $81,000 This summary is for informational purposes only and does not change any of the terms or provisions on your policy. Please carefully review your policy Declarations and any attached forms for a complete description of coverage. PCS 01 14 Page 8 of�4688 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS POLICY NUMBER: 00015845- 12 POLICY PERIOD FROM 05/29/2025 TO 05/29/2026 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 JAMES GIBSON E138177 ATTN: Galen Jones Southernmost Insurance Agency 1111 12th Street Ste: 408 1010 KENNEDY DR STE 300 KEY WEST, FL 33040 KEY WEST, FL 33040 Telephone: 305-292-3470 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 $1,049,095.00 Required Additional Charges: 2023-A Florida Insurance Guaranty Association (FICA) Emergency Assessment $10,491.00 Catastrophe Financing Surcharge $157,364.00 Tax-Exempt Surcharge $18,359.00 TOTAL: $1,235,309.00 See Form CDEC-FE-SCH—Commercial Policy Forms And Endorsements Schedule Countersigned: 03/30/2025 Authorized By: JAMES GIBSON BY: Issued Date: 03/30/2025 Timothy M.Cerio President/CEO and Executive Director Citizens Property Insurance Corporation CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 40 with its permission. 4689 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 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) $439,000 Wind $439,000 Class $9,974.00 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%($21,950) 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: $10,650.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 2 of 40 with its permission. 4690 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 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 BUILDING 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 $1,963,000 Class $21,258.00 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%($98,150) 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: $21,666.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 40 with its permission. 4691 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 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 BUILDING 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) $386,000 Wind $386,000 Class $8,770.00 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%($19,300) 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: $10,126.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 4 of 40 with its permission. 4692 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 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 BUILDING 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 $1,543,000 Class $26,352.00 Yes Business Personal Property(BPP) $54,000 Wind $54,000 Class $1,173.00 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%($77,150) 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: $27,525.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 5 of 40 with its permission. 4693 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 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 DR CONTENTS OF SHERIFF'S SUBSTATION IN A TWO STORY MASONRY BUILDING 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 $5,636.00 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: $5,636.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 6 of 40 with its permission. 4694 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 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 RD ONE STORY MASONRY BUILDING 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 $1,759,000 Class $15,850.00 Yes Business Personal Property(BPP) $32,000 Wind $32,000 Class $252.00 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%($87,950) 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: $16,102.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 7 of 40 with its permission. 4695 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 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 BUILDING 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 $7,725.00 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: $7,725.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 8 of 40 with its permission. 4696 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 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 BUILDING 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 $7,254,000 Class $31,755.00 Yes Business Personal Property(BPP) $500,000 Wind $1,562,786 Class $8,332.00 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%($362,700) 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: $40,087.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 9 of 40 with its permission. 4697 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 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 S CONCH AVE TWO STORY WR FIRE STATION BUILDING 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 $1,574,000 Class $11,914.00 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%($78,700) 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: $12,446.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 10 of 40 with its permission. 4698 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 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 BUILDING 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 $1,620,000 Class $11,559.00 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%($81,000) 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: $11,559.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 11 of 40 with its permission. 4699 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 10 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1070 BUSINESS DESCRIPTION: Firehouses DESCRIPTION OF PREMISES 10: 151 MARINE AVE ONE STORY WIND RESISTIVE FIRE AND AMBULANCE STATION BUILDING 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 $1,718,000 Class $12,719.00 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%($85,900) 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: $13,748.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 12 of 40 with its permission. 4700 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 11 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1000 BUSINESS DESCRIPTION: Governmental Subdivisions-Jails DESCRIPTION OF PREMISES 11: 3981 OCEAN TER ONE STORY WR JAIL BUILDING 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 $1,611,000 Class $12,194.00 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%($80,550) 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: $13,039.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 13 of 40 with its permission. 4701 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 12 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION: Offices-Non-Governmental DESCRIPTION OF PREMISES 12: 2798 OVERSEAS HWY TWO STORY 10 UNIT WIND RESISTIVE COUNTY OFFICE BUILDING 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 $4,420,000 Class $26,359.00 Yes Business Personal Property(BPP) $200,000 Wind $440,012 Class $2,915.00 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%($221,000) 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: $29,274.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 14 of 40 with its permission. 4702 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 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: 3103 OVERSEAS HWY ONE STORY 3 UNIT MASONRY COURTHOUSE/ POLICE SUBSTATION BUILDING 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 $1,800,000 Class $29,282.00 Yes Business Personal Property(BPP) $217,000 Wind $217,000 Class $4,716.00 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%($90,000) 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: $33,998.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 15 of 40 with its permission. 4703 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 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: 3117 OVERSEAS HWY ONE STORY WIND RESISTIVE SUB- COURTHOUSE BUILDING 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 $1,349,000 Class $10,296.00 Yes Business Personal Property(BPP) $186,000 Wind $186,000 Class $1,709.00 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%($67,450) 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: $12,005.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 16 of 40 with its permission. 4704 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 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: 81830 OVERSEAS HWY ONE STORY MASONRY LIBRARY BUILDING 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 $1,326,000 Class $22,198.00 Yes Business Personal Property(BPP) $430,000 Wind $779,000 Class $12,516.00 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%($66,300) 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: $34,714.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 17 of 40 with its permission. 4705 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 16 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0567 BUSINESS DESCRIPTION:Airports-Passenger terminals DESCRIPTION OF PREMISES 16: 9400 OVERSEAS HWY TWO STORY SWR AIRPORT TERMINAL BUILDING 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 $6,459,000 Class $53,047.00 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%($322,950) 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: $54,406.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 18 of 40 with its permission. 4706 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 16 BUILDING OR SPECIAL CLASS ITEM NO.2 CSP Code: 0940 BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing DESCRIPTION OF PREMISES 16: 9400 OVERSEAS HWY 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) $721,000 Wind $721,000 Class $16,381.00 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%($36,050) 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: $16,381.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 19 of 40 with its permission. 4707 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 16 BUILDING OR SPECIAL CLASS ITEM NO.3 CSP Code: 0940 BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing DESCRIPTION OF PREMISES 16: 9400 OVERSEAS HWY 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) $721,000 Wind $721,000 Class $16,381.00 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%($36,050) 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: $16,381.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 20 of 40 with its permission. 4708 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 16 BUILDING OR SPECIAL CLASS ITEM NO.4 CSP Code: 0940 BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing DESCRIPTION OF PREMISES 16: 9400 OVERSEAS HWY 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) $721,000 Wind $721,000 Class $16,381.00 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%($36,050) 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: $16,381.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 21 of 40 with its permission. 4709 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 16 BUILDING OR SPECIAL CLASS ITEM NO.5 CSP Code: 0933 BUSINESS DESCRIPTION:Airports-Hangars with repairing or servicing DESCRIPTION OF PREMISES 16: 9400 OVERSEAS HWY T-4 AIRCRAFT 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 $1,072,000 Class $22,857.00 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%($53,600) 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: $22,857.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 22 of 40 with its permission. 4710 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 17 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0940 BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing DESCRIPTION OF PREMISES 17: 10100 OVERSEAS HWY ONE STORY MASONRY 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 $2,055,000 Class $34,232.00 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%($102,750) 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: $35,318.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 23 of 40 with its permission. 4711 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 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: 10100 OVERSEAS HWY ONE STORY MASONRY 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) $535,000 Wind $535,000 Class $12,155.00 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%($26,750) 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: $12,729.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 24 of 40 with its permission. 4712 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 18 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION: Offices-Non-Governmental DESCRIPTION OF PREMISES 18: 1100 SIMONTON ST TWO STORY 8 UNIT WR OFFICE BUILDING 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 $8,388,000 Class $37,859.00 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%($419,400) 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: $37,859.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 25 of 40 with its permission. 4713 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 19 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 19: 3583 S ROOSEVELT BLVD ONE STORY MASONRY COUNTY GARAGE BUILDING 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) $516,000 Wind $516,000 Class $10,548.00 No Business Personal Property(BPP) $237,000 Wind $237,000 Class $4,440.00 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%($25,800) 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: $14,988.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 26 of 40 with its permission. 4714 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 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: 500 WHITEHEAD ST TWO STORY 13 UNIT MASONRY COURT HOUSE ANNEX BUILDING 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 $8,545,000 Class $77,026.00 Yes Business Personal Property(BPP) $500,000 Wind $950,000 Class $13,379.00 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%($427,250) 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: $90,405.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 27 of 40 with its permission. 4715 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.21 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702 BUSINESS DESCRIPTION: Offices-Non-Governmental DESCRIPTION OF PREMISES 21: 530 WHITEHEAD ST THREE STORY 4 UNIT WIND RESISTIVE JUSTICE BUILDING 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 $7,701,000 Class $35,170.00 Yes Business Personal Property(BPP) $200,000 Wind $895,371 Class $4,395.00 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%($385,050) 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: $39,565.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 28 of 40 with its permission. 4716 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.22 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0567 BUSINESS DESCRIPTION: Museums-Commercial DESCRIPTION OF PREMISES 22: 938 WHITEHEAD ST ONE STORY FRAME MUSEUM BUILDING 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) $616,000 Wind $616,000 Class $15,753.00 No Business Personal Property(BPP) $45,300 Wind $45,300 Class $1,061.00 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%($30,800) 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: $16,814.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 29 of 40 with its permission. 4717 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.23 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1051 BUSINESS DESCRIPTION: Libraries DESCRIPTION OF PREMISES 23: 700 FLEMING ST ONE STORY MASONRY LIBRARY BUILDING 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 $3,112,000 Class $36,737.00 Yes Business Personal Property(BPP) $600,000 Wind $1,900,000 Class $24,253.00 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%($155,600) 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: $60,990.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 30 of 40 with its permission. 4718 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.24 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1070 BUSINESS DESCRIPTION: Firehouses DESCRIPTION OF PREMISES 24: 20950 OVERSEAS HWY ONE STORY MASONRY SHERIFF SUBSTATION/ FIRE STATION BUILDING 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) $456,000 Wind $456,000 Class $10,360.00 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%($22,800) 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: $10,360.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 31 of 40 with its permission. 4719 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.25 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 25: 2796 OVERSEAS HWY CONTENTS OF MASONRY SHERIFF 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 $34,476.00 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: $34,476.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 32 of 40 with its permission. 4720 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.26 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1070 BUSINESS DESCRIPTION: Firehouses DESCRIPTION OF PREMISES 26: 5655 MACDONALD AVE TWO STORY SWR STOCK ISLAND FIRE STATION BUILDING 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 $2,105,000 Class $20,418.00 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%($105,250) 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: $20,418.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 33 of 40 with its permission. 4721 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.27 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0940 BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing DESCRIPTION OF PREMISES 27: 10330 OVERSEAS HWY ONE STORY MASONRY 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 $2,246,000 Class $33,657.00 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%($112,300) 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: $33,657.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 34 of 40 with its permission. 4722 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.28 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0701 BUSINESS DESCRIPTION: Governmental Subdivisions-Town halls, offices, morgues, post offices, court houses TWO STORY THREE UNIT SWR PK DESCRIPTION OF PREMISES 28: 88770 OVERSEAS HWY COURTHOUSE &DETENTION CENTER BUILDING 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 $16,888,000 Class $100,568.00 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%($844,400) 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: $100,568.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 35 of 40 with its permission. 4723 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO.29 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1070 BUSINESS DESCRIPTION: Firehouses DESCRIPTION OF PREMISES 29: 22352 OVERSEAS HWY ONE STORY SWR CUDJOE FIRE STATION BUILDING 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 $3,861,000 Class $34,030.00 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%($193,050) 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: $34,030.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 36 of 40 with its permission. 4724 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 30 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1051 BUSINESS DESCRIPTION: Libraries DESCRIPTION OF PREMISES 30: 3490 OVERSEAS HWY ONE STORY SWR LIBRARY&ADULT CENTER BUILDING 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 $5,900,000 Class $47,869.00 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%($295,000) 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: $47,869.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 37 of 40 with its permission. 4725 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 31 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0844 BUSINESS DESCRIPTION: Parks or Playgrounds-enclosed buildings used for recreation DESCRIPTION OF PREMISES 31: 6751 5TH ST BERNSTEIN PARK TWO STORY SWR CLUBHOUSE/RECREATION BUILDING(NO OUTDOOR EQUIPMENT) 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 $3,134,000 Class $28,785.00 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%($156,700) 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: $28,785.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 38 of 40 with its permission. 4726 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 Insured Name: MONROE COUNTY, FLORIDA LOCATION NO. 31 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 31: 6751 5TH ST BERNSTEIN PARK ONE STORY MASONRY UTILITY/SHOP BUILDING 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) $174,000 Wind $174,000 Class $3,558.00 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%($8,700) 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: $3,558.00 CDEC1 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 39 of 40 with its permission. 4727 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY DECLARATIONS Policy Number: 00015845- 12 Effective Date: 05/29/2025 to 05/29/2026 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 THIS POLICY CONTAINS LIMITS ON CERTAIN COVERED LOSSES,ALL SUBJECT TO THE TERMS AND CONDITIONS OF YOUR POLICY.THESE LIMITS INCLUDE, FOR EXAMPLE,A LIMIT OF UP TO THE GREATER OF$15,000 OR 3% OF A SEPARATE BUILDING LIMIT OF INSURANCE, FOR EMERGENCY MEASURES INCLUDING BUT NOT LIMITED TO TEMPORARY REPAIRS,TARPING,SHRINK WRAP,WATER MITIGATION, BOARD-UP,AND SIMILAR MEASURES, OF THAT BUILDING. 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 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 40 of 40 with its permission. 4728 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-12 POLICY PERIOD FROM 05/29/2025 TO 05/29/2026 at 12:01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA An entry below of"All" indicates the form applies to all items scheduled in the policy Location No. Building No. Form No. Edition Date Description ALL ALL CIT W10 10 1024 CAUSES OF LOSS-WINDSTORM OR HAIL FORM ALL ALL CID 00 90 0788 COMMERCIAL PROPERTY CONDITIONS ALL ALL IL 00 17 11 98 COMMON POLICY CONDITIONS ALL ALL CIT 03 21 1223 WINDSTORM OR HAIL PERCENTAGE DEDUCTIBLE ALL ALL CP 01 40 0706 EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA ALL ALL IL P 001 01 04 U.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN ASSETS CONTROL("OFAC") ADVISORY NOTICE TO POLICYHOLDERS ALL ALL IL 09 35 0702 EXCLUSION OF CERTAIN COMPUTER- RELATED LOSSES ALL ALL CIT W14 20 1024 CITIZENS CHANGES-PROPERTY NOT COVERED ALL ALL CIT W02 55 1024 FLORIDA CHANGES-CANCELLATION AND NONRENEWAL ALL ALL CIT 01 75 0723 FLORIDA CHANGES-LEGAL ACTION AGAINST US 1 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 1 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 1 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 2 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 2 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 2 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 2 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 3 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 3 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES Issued Date: 03/30/2025 First Named Insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 6 with its permission. 4729 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-12 POLICY PERIOD FROM 05/29/2025 TO 05/29/2026 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 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 3 2 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 4 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 4 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 4 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 5 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 5 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 5 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 5 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 6 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 6 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 6 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 7 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 7 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 7 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 7 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 8 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 8 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 8 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 8 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 9 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 9 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES Issued Date: 03/30/2025 First Named Insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 2 of 6 with its permission. 4730 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-12 POLICY PERIOD FROM 05/29/2025 TO 05/29/2026 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 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 9 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 10 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 10 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 10 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 10 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 11 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 11 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 11 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 11 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 12 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 12 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 12 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 12 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 13 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 13 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 13 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 13 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 14 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 14 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 14 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 14 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS Issued Date: 03/30/2025 First Named Insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 6 with its permission. 4731 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-12 POLICY PERIOD FROM 05/29/2025 TO 05/29/2026 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 01 25 1024 FLORIDA CHANGES 15 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 15 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 16 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 16 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 16 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 16 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 16 5 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 17 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 17 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 17 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 17 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 18 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 18 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 18 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 18 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 19 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 19 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 19 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 20 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 20 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES Issued Date: 03/30/2025 First Named Insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 4 of 6 with its permission. 4732 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-12 POLICY PERIOD FROM 05/29/2025 TO 05/29/2026 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 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 20 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 21 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 21 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 21 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 21 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 22 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 22 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 22 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 23 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 23 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 23 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 23 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 24 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 24 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 24 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 25 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 25 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 25 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 25 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 26 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 26 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES Issued Date: 03/30/2025 First Named Insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 5 of 6 with its permission. 4733 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY FORMS AND ENDORSEMENTS SCHEDULE POLICY NUMBER 00015845-12 POLICY PERIOD FROM 05/29/2025 TO 05/29/2026 at 12:01 a.m. Eastern Time Named Insured MONROE COUNTY, FLORIDA Location No. Building No. Form No. Edition Date Description 26 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 26 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 27 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 27 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 27 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 27 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 28 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 28 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 28 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 28 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 29 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 29 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 29 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 29 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 30 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 30 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 30 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 30 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS 31 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY COVERAGE FORM 31 ALL CIT CNRW 01 25 1024 FLORIDA CHANGES 31 ALL CIT CNRW 00 03 1024 TABLE OF CONTENTS-BUILDING AND PERSONAL PROPERTY 31 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS Issued Date: 03/30/2025 First Named Insured Copy CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 6 of 6 with its permission. 4734 CITIZENS PROPERTY INSURANCE CORPORATION 301 W BAY ST CITIZENS JACKSONVILLE FL 32202 PROPERTY INSURANCE CORPORATION COMMERCIAL PROPERTY POLICY POLICY INTEREST SCHEDULE POLICY NUMBER 00015845-12 POLICY PERIOD FROM 05/29/2025 TO 05/29/2026 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: 03/30/2025 First Named Insured Copy CDEC-PI-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 1 with its permission. 4735 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 4736 • • 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 4737 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 4738 Table of Contents — Building and Personal Property COMMERCIAL PROPERTY COVERAGE Florida Changes...................CIT CNRW 01 25 10 24 (Or if a Mobile Home then: Florida Commercial Mobile Building and Personal Property ......CP 00 10 06 07 Home.....................CIT MH 05 01 10 24) 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 (CIT MH 05 01 10 24).......4 C. Limits Of Insurance............................................8 Additional Condition Changes................................9 D. Deductible..........................................................9 (CIT MH 05 01 10 24).......10 E. Loss Conditions .................................................9 Optional Coverages Changes...............................10 Abandonment...................................................9 (No Optional Coverages conditions In CIT MH 05 01 Appraisal ..........................................................9 10 24) Duties In The Event Of Loss Or Damage.......10 Definition Changes...............................................10 Loss Payment.................................................10 Common Policy Condition Changes................. ...10 Recovered Property........................................11 (CIT MH 05 01 10 24).......11 Vacancy..........................................................11 Commercial Property Condition Changes.............11 Valuation ........................................................11 (CIT MH 05 01 10 24).......12 F.Additional Conditions........................................12 Other Changes ..............................................11 Coinsurance....................................................12 (CIT MH 05 01 10 24).......12 Mortgageholders .............................................13 Common Policy Conditions...............IL 00 17 11 98 G. Optional Coverages.........................................14 A. Cancellation .......................................................1 AgreedValue...................................................14 B. Changes.............................................................1 Inflation Guard.................................................14 C. Examination Of Your Books And Records.........1 Replacement Cost...........................................14 D. Inspections And Surveys....................................1 Extension Of Replacement Cost To E. Premiums...........................................................1 Personal Property Of Others........................15 F. Transfer Of Your Rights And Duties H. Definitions........................................................15 Under This Policy.........................................1 Florida Changes—Legal Action Against Us...................................CIT 01 75 07 23 Causes of Loss—Windstorm Or Exclusion Of Certain Computer— Hail Form.................................CIT W10 10 10 24 Related Losses...............................IL 09 35 07 02 A. Covered Causes Of Loss...................................1 Exclusion Of Loss Due To Virus B. Exclusions..........................................................1 Or Bacteria...................................CP 01 40 07 06 C.Additional Coverage...........................................4 Florida Changes—Cancellation and D. Definitions..........................................................4 Nonrenewal..............................CIT W02 55 10 24 Citizens Changes-Property Not Covered.............................CIT W14 20 10 24 Windstorm Or Hail Percentage MANDATORY ENDORSEMENTS Deductible..............................CIT 03 21 12 23 U.S. Treasury Department's Office Of Foreign Commercial Property Conditions....CP 00 90 07 88 Assets Control ("OFAC")Advisory A. Concealment, Misrepresentation Or Fraud........1 Notice To Policyholders.............IL P 001 01 04 B. Control Of Property............................................1 C. Insurance Under Two Or More Coverages........1 D. Legal Action Against Us.....................................1 OTHER ENDORSEMENTS (May Be Attached) E. Liberalization......................................................1 F. No Benefit To Bailee..........................................1 Other Windstorm Or Hail Protective G. ther Insurance.................................................1 H. Period, Coverage Territory 1 Devices...................................CIT 12 09 12 23 y g y Loss Payable Provisions..................CP 12 18 06 07 I. Transfer Of Rights Of Recovery Against Others To Us................................................2 Additional Insured - Building Owner............................CP 12 19 06 07 Leased Property................................CP 14 60 07 88 Coverages Written On A First Loss Basis..............................CIT 04 14 08 21 CIT CNRW 00 03 10 24 Page 1 of 1 4739 COMMERCIAL PROPERTY CIT W10 10 10 24 CAUSES OF LOSS - WINDSTORM OR HAIL FORM A. Covered Causes Of Loss (3) The requirements of which result in a loss When Wind is shown in the Covered Causes Of Loss in value to property; section of the Declarations, Covered Causes of Loss (4) Requiring you or others to test for, means the following: monitor, clean up, remove, contain, treat, 1. Windstorm or Hail, but not including: detoxify or neutralize, or in any way respond to, or assess the effects of a. Frost or cold weather; pollutants; or b. Ice (other than hail), snow or sleet, whether (5) The requirements of which apply to other driven by wind or not; structures unless specifically provided c. Accumulation,freezing,thawing, pressure or under this policy. weight of hail, ice, snow, sleet, rain,water or b. Earth Movement And Settlement any other form of precipitation; (1) Earthquake and settlement, including d. Loss or damage to the interior of any building any land shock waves, air shock waves, or structure, or the property inside the tremors,aftershocks or any earth sinking, building or structure, caused by rain, snow, rising or shifting, related to such event; sleet, sand, or dust, whether driven by wind or not, unless the direct force of wind or hail (2) Earth sinking, rising or shifting, landslide, first damages the building or structure mudflow, mudslide, sand flow, shifting causing an opening in the roof or wall and sand, scouring, including soil conditions. the rain, snow, sleet, sand, or dust enters Soil conditions include contraction, through this opening. expansion, freezing, thawing, erosion, B. Exclusions scouring, improperly compacted soil, clay shrinkage or other expansion, We will not pay for loss or damage caused directly contraction or decay of soils or organic or indirectly by any of the following. Such loss or materials, and the action of water under damage is excluded regardless of any other cause the ground surface; or event that contributes concurrently or in any sequence to the loss. (3) Subsidence, including mine subsidence. Mine subsidence means subsidence of a The Exclusions below applywhetheror not the loss man-made mine, whether or not mining event results in widespread damage or affects a activity has ceased; substantial area. (4) Volcanic eruption, explosion or effusion, a. Ordinance Or Law including any earth sinking, rising or The enforcement of or compliance with any shifting, land or air shock waves,tremors, ordinance or law: aftershocks, lava flow, ash, dust, (1) Regulating the construction, use or repair particulate matter or effusion of a of any property; or volcano; all whether before, during or after such earth movement; (2) Requiring the tearing down of any property, including the cost of removing (5) Settling, cracking, shrinking, bulging, its debris. expansion or other disarrangement, of foundations, walls, floors, ceilings, This exclusion, Ordinance Or Law, applies retaining walls, pavements and patios; whether the loss results from: (6) Catastrophic ground cover collapse, (1) An ordinance or law that is enforced even sinkhole, sinkhole activity or sinkhole if the property has not been damaged; loss; (2) The increased costs incurred to comply (7) Blasting, including shockwaves and with an ordinance or law in the course of vibrations, carried through the air or construction, repair, renovation, through the ground, caused by or as a remodeling or demolition of property, or result of blasting and other earth removal removal of its debris; activities; CIT W10 10 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 5 with its permission 4740 (8) Pile driving, including shockwaves or (3) Insurrection, rebellion, revolution, vibrations, carried through the air and usurped power, or action taken by through the ground, caused by or as a governmental authority in hindering or result of pile driving; or defending against any of these; or (9) Vibrations from construction equipment (4) Destruction or seizure or use for a on adjacent property, caused by or as a military purpose. result of blasting, pile driving, demolition Discharge of a nuclear weapon shall be and other construction activities which deemed a warlike act even if accidental. cause vibrations. whether caused by or resulting from human f. Water or animal activities, any act of nature or is (1) Flood, surface water, waves including otherwise caused. wave wash, tidal waves and tsunami, c. Nuclear Hazard tidal water, storm surge, overflow of any body of water,or spray from any of these, Nuclear reaction, radiation, or radioactive all whether or not driven by wind contamination, all whether controlled or including storm surge; uncontrolled or however caused, or any (2) Mudslide or mudflow; consequence of any of these. d. Utility Services (3) Water that backs up or overflows or is otherwise discharged from a sewer, The failure of power, communication, water drain, septic tank and system, sump, or other utility service supplied to the sump pump or related equipment; described premises, however caused, if the (4) Water under the ground surface pressing failure: on, or flowing or seeping through: (1) Originates away from the described premises; or (a) Buildings, sidewalks, driveways, patios, foundations, walls, floors, (2) Originates at the described premises, but paved surfaces, swimming pools or only if such failure involves equipment other structures; used to supply the utility service to the (b) Basements, whether paved or not; or described premises from a source away from the described premises. (c) Doors, windows or other openings; or Failure of any utility service includes lack of (5) Waterborne material carried or otherwise sufficient capacity and reduction in supply. moved by any of the water referred to in Loss or damage caused by a surge of power Paragraph (1), (3) or (4), or material is also excluded. carried or otherwise moved by mudslide or mudflow. Communication services include but are not This exclusion applies regardless of whether limited to service relating to Internet access any of the above, in Paragraphs (1) through or access to any electronic, cellular or (5), is caused by or results from human or satellite network. animal forces or any act of nature or is e. War And Military Action otherwise caused. (1) War, including undeclared or civil war; An example of a situation to which this (2) Warlike action by a military force or exclusion applies is the situation where a military personnel, including action in dam, levee, seawall or other boundary or hindering or defending against an actual containment system fails in whole or in part, or expected attack, by any government, for any reason, to contain the water or sovereign or other authority using military waterborne material. personnel or other agents; Page 2 of 5 Includes copyrighted material of Insurance Services Office, Inc., CIT W10 10 10 24 with its permission 4741 g. "Fungus",Wet Rot, Dry Rot And Bacteria (1) By or at the direction of you,any insured, Presence, growth, proliferation, spread or or any person or organization named as any activity of "fungus", wet or dry rot or an additional insured; and bacteria. (2) With the intent to cause a loss. This exclusion does not apply to the extent In the event of such loss, no insured or any that coverage is provided in the Additional person or organization is entitled to Coverage—Limited Coverage For"Fungus", coverage, even they did not commit or Wet Rot, Dry Rot And Bacteria with respect conspire to commit the act causing the loss. to loss or damage by a covered Cause of r. Criminal Acts Or Illegal Activity Loss. h. Rust, smog, decay, or other corrosion. Criminal acts or illegal activity means any i. Wear, tear, marring, deterioration. and all criminal or illegal acts: j. Inherent vice or latent defect. (1) Performed by; k. Fire, lightning, explosion, aircraft damage (2) At the direction of; or or vehicular damage, riot or civil commotion, (3) With the prior knowledge of any insured. vandalism, burglary or theft. s. Professional Services I. Smoke from agricultural smudging or Any payment for expenses of engineering industrial operations or sudden and reports, professional services, or other accidental damage from smoke. expert opinions, reports, or estimates to m. Discharge, dispersal, seepage, migration, establish and/or determine the cause of loss release or escape of pollutants. or the amount of loss, rendered by This exclusion does not apply to the amount professionals including, but not limited to pp Y appraisers, inspectors, contractors, of coverage that is provided under Additional plumbers, consultants, estimators, roofers, Coverages, 4.d., Pollutant Clean-up And or engineers paid for or ordered by you or Removal. any insured or any representative acting on n. Neglect your or any insured's behalf. Neglect to use all reasonable means to save t. Coastal Construction Control Line and preserve property at and after the time Exclusion of loss. The amount of loss, if any, in excess of the o. Birds,vermin, rodents, animals, marsupials, actual cost of repair or replacement of the reptiles, fish, insects, or pests, including but Covered Property where said excess is due not limited to, termites, snails, raccoons, to restrictions on reconstruction of coastal opossums, armadillos, flies, bed bugs, lice, dwellings and buildings located within the ticks, locust, cockroaches, and fleas. coastal construction code zones established This exclusion does not apply to the limited pursuant to Section 161.052 and 161.053, coverage provided under Citizens Changes Florida Statutes, as presently existing or - Property Not Covered, paragraph 2.a. in hereafter amended. Form CIT W14 20. u. Existing Damage This Exclusion includes the nesting and Existing Damage, also known as pre- infestation, or discharge or release of waste existing damage. products or secretions, by any animals or (1) Any damages which occurred prior to creatures in o. above and any ensuing loss. policy inception regardless of whether This Exclusion incudes animals and such damages were apparent at the time creatures in o. above, owned or kept by an of the inception of this policy or occurring any insured and any ensuing loss. at a later date; p. Consequential Losses, including but not (2) Damages existing prior to the time of limited to rental value, business income or loss; or business interruption. q. Intentional Loss Any loss arising out of any act committed or conspiracy to commit: CIT W10 10 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 5 with its permission 4742 (3) Any unrepaired part or portion of a loss to (3) Waterproofing material; property for which you have made an applied to the exterior of any building or insurance claim, whether or not paid by structure. insurance. bb. We do not insure for loss to Covered However, under this Exclusion t. any ensuing loss to property described in Property caused by any of the following. Coverages not otherwise excluded or (1) Weather Conditions. However, this excepted in this Policy is covered. exclusion only applies if weather This provision applies to all coverages under conditions other than a Covered Causes this policy. of Loss contribute in any way with a cause or event excluded in the v. Artificially generated electrical current, Exclusions above, to produce the loss; including electric arcing, that disturbs electrical devices, appliances or wires (2) Acts or decisions, including the failure including loss to a tube, transistor or similar to act or decide, of any person, group, electronic component. organization or governmental body; w. Artificially generated electrical, magnetic (3) Faulty, inadequate or defective: or electromagnetic energy that damages, (a) Planning, zoning, development, disturbs,disrupts or otherwise interferes with surveying, siting; any: (b) Design, specifications, (1) Electrical or electronic wire, device, appliance, system or network; or workmanship, repair, construction, renovation, (2) Device, appliance, system or network remodeling, grading, compaction. utilizing cellular or satellite technology. (c) Materials used in repair, For the purpose of this exclusion, electrical, construction, renovation or magnetic or electromagnetic energy remodeling; or includes but is not limited to: (d) Maintenance of part or all of any (a) Electrical current, including arcing; property whether on or off the (b) Electrical charge produced or described premises. conducted by a magnetic or However, under aa.(1), (2)or(3) above, any electromagnetic field; ensuing loss to Covered Property and (c) Pulse of electromagnetic energy; or caused by a Covered Causes of Loss which (d) Electromagnetic waves or is not otherwise excluded or accepted in this microwaves. policy is covered. x. Leakage or discharge of water or steam C. Additional Coverage — Limited Coverage For from any part of a system or appliance "Fungus", Wet Rot, Dry Rot And Bacteria containing water or steam (other than an 1. The coverage described in C.2. only applies Automatic Sprinkler or Fire Suppression when the "fungus", wet or dry rot or bacteria is System), unless the leakage or discharge the result of a Covered Cause of Loss that occurs because the system or appliance was occurs during the policy period and only if all damaged as a result of a Covered Cause of reasonable means were used to save and Loss preserve the property from further damage at y. Mechanical breakdown, including rupture the time of and after that occurrence. or bursting caused by centrifugal force. 2. We will pay for loss or damage by"fungus", wet z. Governmental Action or dry rot or bacteria. As used in this Limited Seizure or destruction of property by order of Coverage, the term loss or damage means: governmental authority. a. Direct physical loss or damage to Covered Property caused by "fungus", wet or dry rot aa. Exterior Paint And Waterproofing or bacteria, including the cost of removal of We will not pay for loss or damage to: the "fungus",wet or dry rot or bacteria; (1) Paint; (2) Stain; or Page 4 of 5 Includes copyrighted material of Insurance Services Office, Inc., CIT W10 10 10 24 with its permission 4743 b. The cost to tear out and replace any part of the building or other property as needed to gain access to the "fungus", wet or dry rot or bacteria; and c. The cost of testing performed after removal, repair, replacement or restoration of the damaged property is completed, provided there is a reason to believe that"fungus",wet or dry rot or bacteria are present. 3. The coverage described under C.2. of this Limited Coverage is limited to $15,000. Regardless of the number of claims, this limit is the most we will pay for the total of all loss or damage arising out of all occurrences of Covered Causes of Loss which take place in a 12-month period (starting with the beginning of the present annual policy period). With respect to a particular occurrence of loss which results in "fungus",wet or dry rot or bacteria,we will not pay more than a total of $15,000 even if the "fungus", wet or dry rot or bacteria continues to be present or active, or recurs, in a later policy period. 4. The coverage provided under this Limited Coverage does not increase the applicable Limit of Insurance on any Covered Property. If a particular occurrence results in loss or damage by"fungus",wet or dry rot or bacteria, and other loss or damage, we will not pay more, for the total of all loss or damage, than the applicable Limit of Insurance on the affected Covered Property. If there is covered loss or damage to Covered Property, not caused by"fungus", wet or dry rot or bacteria, loss payment will not be limited by the terms of this Limited Coverage, except to the extent that "fungus", wet or dry rot or bacteria causes an increase in the loss. Any such increase in the loss will be subject to the terms of this Limited Coverage. D. Definitions "Fungus" means any type or form of fungus, including mold or mildew, and any mycotoxins, spores,scents or by-products produced or released by fungi. CIT W10 10 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 5 of 5 with its permission 4744 Commercial CIT W02 55 10 24 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 60 (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 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 4 with its permission. 4745 (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 60 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 10 24 with its permission 4746 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 or by an approved surplus lines insurer, to cover the If the return premium is not refunded with the property described in the Declarations, at notice of cancellation or when this policy is approved rates. returned to us, we will mail or with your written approval electronically transfer the refund within This policy may be replaced by a policy that 15 working days, either after the date may not provide coverage identical to the cancellation takes effect, or after our receipt of coverage provided by Citizens. your request to cancel the policy, whichever is Acceptance of Citizens coverage by the first later. Named Insured creates a conclusive The cancellation will be effective even if we presumption that the insured is aware of this have not made or offered a refund. potential. E. The following is added: 4. We may not refuse to renew this policy: NONRENEWAL a. On the basis of property insurance claims that are the result of an act of God, unless 1. If we do not renew this policy we will deliver to we can demonstrate, by claims frequency or the first Named Insured, mail to the first Named otherwise,that you have failed to take action Insured at the mailing address shown in the reasonably necessary as requested by us to Declarations, or "electronically transmit" to the prevent recurrence of damage to the insured first Named Insured, written notice, property; or accompanied by the specific reason for nonrenewal, at least: b. Solely on the basis of a single property insurance claim which is the result of water a. 45 days prior to the expiration of the policy if damage, unless we can demonstrate that this policy does not cover a residential you have failed to take action reasonably structure or residential property; or requested by us to prevent a future similar b. 45 days prior to the expiration of the policy if: occurrence of damage to the insured (1) This policy covers a residential structure property. or residential property and nonrenewal is F. Limitations On Cancellation And Nonrenewal for a policy that has been assumed by an In The Event Of Hurricane Or Wind Loss— authorized insurer or by an approved Residential Property surplus lines insurer, offering 1. The following provisions apply to a policy replacement or renewal coverage to you; covering a residential structure or residential or property: (2) This policy covers a residential structure a. We may not cancel or nonrenew this Policy: or residential property, and nonrenewal is for a risk that has received an offer of (1) For a period of 90 days after the covered coverage, from an authorized insurer or residential structure or covered by an approved surplus lines insurer, residential property has been repaired, if pursuant to Citizens' policyholder such property which has been damaged eligibility clearinghouse program. as a result of a "hurricane" or wind loss that is the subject of the declaration of If we nonrenew a policy pursuant to 1.b.(1) emergency pursuant to Section 252.36 or 1.b.(2) above, we will also notify any Florida statutes, and the filing of an order additional named insured shown in the by the Commissioner of Insurance Policy Interest Schedule of your Regulation. Declarations at their mailing address shown in the Schedule. CIT W02 55 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 4 with its permission 4747 (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 10 24 with its permission 4748 COMMERCIAL PROPERTY CIT CNRW 01 25 10 24 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. Coverage A., 1. Covered Property, 1.a. Building, (2) Debris Removal does not apply to costs paragraph 1.a.(4) is deleted and replaced by the to: following: (a) Extract "pollutants" from land or (4) Personal property owned by you that is water; or used to maintain or service the building (b) Remove, restore or replace polluted or structure or its premises up to 1% of land or water. the amount applicable to that building and all while contained in the building or (3) Subject to the exceptions in Paragraph while located on the described premises (4), the following provisions apply: including the following (a) through (d) (a) The most we will pay for the total of below, except as otherwise excluded. direct physical loss or damage plus (a) Fire extinguishing equipment; debris removal expense is the Limit of (b) Floor coverings; Insurance applicable to the Covered Property that has sustained loss or (c) Appliances used for refrigerating, damage. ventilating, cooking, dishwashing or (b) Subject to (a) above, the amount we laundering that are not contained will pay for debris removal expense is within individual units; and limited to 25% of the sum of the (d) Outdoor furniture. However, outdoor deductible plus the amount that we furniture is not covered if loss or pay for direct physical loss or damage damage occurs during a "hurricane", to the Covered Property that has unless the loss or damage to the sustained loss or damage. furniture occurs while the furniture is (4) We will pay up to an additional $5,000 for located in an enclosed building; 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 C. Additional Coverages 4.a., Debris Removal, is circumstances apply: deleted and replaced by the following: (a) The total of the actual debris removal expense plus the amount we pay for 4. Additional Coverages direct physical loss or damage 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. CIT CNRW 01 25 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 12 with its permission 4749 COMMERCIAL PROPERTY CIT CNRW 01 25 10 24 Therefore, if (4)(a) and/or (4)(b) For each separate building shown in the apply, our total payment for direct Declarations, we will pay up to the physical loss or damage and debris greater of$15,000 or 3% of its separate removal expense may reach but will building Limit of Insurance, for never exceed the Limit of Insurance emergency measures including but not on the Covered Property that has limited to temporary repairs, tarping, sustained loss or damage, plus shrink wrap, water mitigation, board-up, $5,000. and similar measures, of that building. D. Additional Coverages 4.b. Preservation Of (2) The limit in g.(1) above is the total limit Property is deleted and replaced by the following: for all necessary measures, in any one b. Property Removed occurrence, taken solely to protect that 1 We insure Covered Property against separate Building, and its Business ( ) p y g Personal Property if any, scheduled in direct loss by a Covered Cause of Loss the Declarations. while being removed from a described premises endangered by a Covered (3) The coverage under g.(1) above does Cause of Loss; and for not more than 5 not: days while removed. (a) Increase any Limit of Insurance that This coverage does not change the Limit applies to the damaged covered of Insurance that applies to the property property; being removed. (b) Relieve you of the duties in case of a (2) We insure Covered Property against loss to covered property, as set forth direct loss by a Covered Cause of Loss in Loss Condition E.3. Duties In The while being removed from the described Event Of Loss Or Damage; premises endangered by a Covered (c) Pay for property not covered in this Cause of Loss and for not more than 180 Policy; or consecutive days from the date of the (d) Pay for loss excluded or not covered loss occurrence, while removed. in this Policy. This coverage does not change the Limit (4) If this is a condominium association of Insurance that applies to the property under form CP 00 17, this Additional being removed. Coverage 4.g. does not include any (3) We do not cover prestorm evacuation coverage for emergency measures to expenses, other than described in any individual condominium unit(s) 4.b.(1) above. floors, walls, ceiling coverings, built in E. Additional Coverages 4.c. Fire Department cabinets, countertops, and other Service Charge is deleted in its entirety. property,that owned by the unit owner, is under the care, custody or control of the F. In Forms CP 00 10 and CP 00 17, Additional unit owner, or is the insurance Coverages 4.e., Increased Cost of Construction, responsibility of the unit owner. is deleted in its entirety. H. Coverage Extensions 5. (First two paragraphs) is G. Additional Coverages 4.g. Reasonable Measures deleted and replaced by the following: To Protect The Property, is added. Except as otherwise provided, the following (This is Additional Coverages 4.f. in form CP 00 18) Extensions apply to property located in or on the g. Reasonable Measures To Protect The building described in the Declarations or in the open Property (or in a vehicle) within 100 feet of the described (1) We will pay the reasonable costs premises. incurred by you for necessary measures If CIT 0414 is not part of this policy,you may extend taken solely to protect covered property the insurance provided by this Coverage Part as from further damage, when the loss or follows: damage is caused by a Covered Cause Of Loss. Page 2 of 12 Includes copyrighted material of Insurance Services Office, Inc., CIT CNRW 01 25 10 24 with its permission 4750 COMMERCIAL PROPERTY CIT CNRW 01 25 10 24 I. Coverage Extensions 5.a. Newly Acquired Or (3) If you elect to apply this optional Constructed Property is deleted in its entirety. extension of coverage, we will not be J. Coverage Extensions 5.b. Personal Effects And liable for a greater proportion of any loss Property Of Others, the paragraph dealing with that would have been the case if all the amount we will pay is deleted and replaced by windstorm insurance policies covering the following: the Covered Property had contained an identical optional extension of coverage The most we will pay for loss or damage of personal and the same election were made under property and personal effects located in or on a all such policies. building under this Extension is $2,500 at each described premises. (4) This extension d.applies only to property located in the State of Florida. K. Coverage Extensions 5.d. Property Off-premises is deleted and replaced by the following. L. Coverage Extensions 5.e. Outdoor Property is deleted in its entirety. d. Property Off-premises M. Coverage Extensions 5.f. Non-owned Detached (1) When a Limit of Insurance is shown in the Trailers is deleted in its entirety. Declarations for a specifically listed building's business personal property, N. th Limits Of Insurance is deleted and replaced by you may apply up to 2% of the Limit of the following: Insurance applicable to that building's The most we will pay for loss or damage in any one business personal property, but not to occurrence is the applicable Limit of Insurance exceed $5,000, to cover that building's shown in the Declarations. business personal property owned by The amounts of insurance stated in the following you, other than merchandise or "stock" Additional Coverages apply in accordance with the (raw, in-process, or finished), while the terms of such coverages and are separate from the business personal property is temporarily Limit(s) of Insurance shown in the Declarations for removed from the building for purposes any other coverage: of cleaning, repairing, reconstruction, or restoration. 1. Pollutant Clean-up And Removal; and (2) This extension of coverage shall: 2. Electronic Data. (a) Not apply to property in transit nor to O. D. Deductible is deleted in its entirety and replaced property on any premises owned, with Windstorm Or Hail Percentage Deductible, leased,operated or controlled by you; form CIT 03 21. (b) Not apply to personal property owned P. The Loss Condition Appraisal is deleted and by others; replaced by the following: (c) Not apply except as excess over the 2• Alternative Dispute Resolution. amount due from any other insurance a. Mediation. covering the property, whether If this policy covers a residential structure or collectible or not; and its contents and if either you and we are in (d) This extension will provide no benefit dispute regarding a claim under this policy to a bailee. for that residential structure or contents, We will not recognize any assignment either you or we may request a mediation of or grant any coverage under this the loss in accordance with the rules extension that benefits a person or established by the Florida Department of organization holding, storing or Financial Services. moving property for a fee or other (1) If the dispute is mediated the settlement bailee, regardless of any other in the course of the mediation is binding provision in this policy. only if both parties agree, in writing, on a settlement. CIT CNRW 01 25 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 12 with its permission 4751 COMMERCIAL PROPERTY CIT CNRW 01 25 10 24 However,you may rescind the settlement In order to be deemed competent, each within 3 business days after reaching appraiser must be experienced and settlement, unless you have cashed or proficient in preparation of commercial deposited any settlement check or draft property damage estimates, conducting we disbursed to you for the disputed on-site examination of commercial matters as a result of the mediation property damages and reviewing conference. commercial engineering reports, (2) We will pay the cost of conducting any regarding repair and replacement of mediation conferences. commercial property multi-story and high-rise commercial building damage If you fail to appear at the conference,the and business personal property damage. conference must be rescheduled upon your payment of the costs of a (4) The appraisers will separately set the rescheduled conference. amount of loss. If the appraisers submit a written report of an agreement to us, the (3) However, if we fail to appear at a amount agreed upon will be the amount mediation conference requested by you of loss. without good cause, we will pay: Both appraisers must sign the written (a) The actual cash expenses you report of agreement. incurred while attending the conference; and (5) If the appraisers fail to agree within 60 days from the commencement of the (b) Also pay the mediator's fee for the appraisal process,the two appraisers will rescheduled conference. choose a competent and impartial b. Appraisal. umpire. Appraisal is an alternative dispute resolution To be deemed competent, the umpire method to address and resolve selected by the two appraisers above disagreement regarding the amount of the must be experienced and proficient in covered loss when both parties agree in preparation of commercial property writing to appraise the loss. When the damage estimates, conducting on-site parties agree to appraisal, the appraisal examination of commercial property shall be governed by this provision of the damages and reviewing commercial policy. expert reports, regarding the repair and (1) If you and we fail to agree on the amount replacement of commercial property of loss, the party making the initial damage. appraisal demand must request (6) If the appraisers cannot agree upon an appraisal in writing and shall include an umpire within 15 days, you or we may estimate of the amount of any dispute request that the choice be made by a that results from the Covered Cause of judge of a court of record located in the Loss. county corresponding to the applicable (2) The estimate in b.(1) above shall include LOCATION NO. and its DESCRIPTION a description of each item of damaged OF PREMISES address shown in the property in dispute as a result of the Declarations. covered loss, along with the extent of (7) The two appraisers will submit their damage and the estimated amount to differences to the umpire. A decision repair or replace each item. agreed to by any two will set the amount (3) Upon commencement of the Appraisal of the loss. process each party will choose a (8) The appraisal award will be in writing, competent appraiser within 20 days from must be provided in a form approved by the date of commencement. us, and must be signed by either: (a) The two appraisers who have agreed in setting the amount of loss; or Page 4 of 12 Includes copyrighted material of Insurance Services Office, Inc., CIT CNRW 01 25 10 24 with its permission 4752 COMMERCIAL PROPERTY CIT CNRW 01 25 10 24 (b) The umpire and the appraiser who Q.Loss Condition E.3. Duties In The Event Of Loss has agreed with the umpire in setting Or Damage is deleted and replaced by the amount of loss. the following: The appraisal award shall include the (This is Loss Condition EA. in form CP 00 18) following: 3. Duties In The Event Of Loss Or Damage (a) Adetailed list, including the amount to a. In case of a loss to covered property, we repair or replace,of each specific item have no duty to provide coverage under this included in the award from the Policy, if there is failure to comply with any appraisal findings; of the following duties. (b) The agreed amount of each item, its These duties must be performed either by replacement cost value and you, any other insured seeking coverage, or corresponding actual cash value; by a representative of either. (c) Provisions relevant to the umpire's (1) Give us prompt notice of the loss or agreement to act in accordance with damage. Include a description of the the Policy provisions; and property involved. (d) A statement of "This award is made (2) As soon as possible, give us or any subject to the terms and conditions of person authorized to act on our behalf a the policy." description of how, when and where the (9) Each party will: loss or damage occurred. (a) Pay its own appraiser, including their (3) Take reasonable emergency measures costs associated with producing the to protect the Covered Property from estimate described in b.(1) above; further damage, as provided under and Additional Coverages 4.g. Reasonable (b) Pay the reasonable fees and the Emergency Measures To Protect The reasonable expenses of the appraisal Property. Keep a record of your and umpire equally. expenses necessary to protect the Covered Property, for consideration in (10) The Appraisal Award shall not include the settlement of the claim. any permanent repairs completed prior to our Appraisal inspection and we shall not This will not increase the Limit of be responsible for payment of any such Insurance. repairs as part of an Appraisal Award. However, we will not pay for any (11) You, we, the appraisers and the umpire subsequent loss or damage resulting shall be given reasonable and timely from a cause of loss that is not a Covered access to inspect the damaged property, Cause of Loss. in accordance with the terms of the To the degree reasonably possible, policy. damaged property and any other (12) If, however, we requested the mediation property that is related to the loss, in 2.a. above and either party rejects the whether the property is covered or not, mediation results, you are not required to must be retained for us or any person submit to, or participate in, any appraisal authorized to act on our behalf, to of the loss as a precondition to action inspect. against us for failure to pay the loss. (4) Keep an accurate record of expenses. (13) If, however, you or any party other than (5) Within 14 days after the discovery of the us requested the mediation in 2.a.above, loss, or earlier if reasonably possible, we may still demand appraisal. notify the police if a law may have been broken and provide us a copy of the police report. CIT CNRW 01 25 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 5 of 12 with its permission 4753 COMMERCIAL PROPERTY CIT CNRW 01 25 10 24 (6) Send to us, within 60 days after our (b) If you are provided with new request, a signed, sworn statement in a estimates or invoices regarding the Proof of Loss form provided by us and losses submitted or not submitted in completed in its entirety,which sets forth, the proof of loss. to the best of your knowledge and belief: (9) Cooperate with us or any person (a) The description of the loss, including authorized to act on our behalf, in the the date and time of the loss, the investigation or settlement of the claim. cause of the loss,a description of how This includes speaking and sharing the loss occurred, when the loss was information with us or any person discovered, and who discovered the authorized to act on our behalf, and loss; providing documents which can be (b) The names of all persons who resided reasonably obtained by you, to facilitate at the insured location at the time of our investigation of the claim. loss; When requested, this includes providing (c) The interests of all insureds and all us with a copy of all minutes, associated others in the property involved and all notes, rules and regulations and exhibits, liens on the property; created or developed at or as a result of (d) Other insurance which may cover the meetings of the insured's governing loss; board and its committees. (e) Changes in title or occupancy of the A representative of an insured: property during the term of the policy; (a) Must cooperate with our and investigation; (f) Specifications of the damage to the (b) Must not act in any manner that building, including: prevents us or any person acting on (i) Detailed descriptions of the our behalf, from investigating the damage to the property; claim; and (ii) Repair estimates which show the (c) May not act in any manner to obstruct extent of damage to each item or our investigation. property; (10) As often as we reasonably require, allow (iii) Estimated amount(s) to repair or us or any person authorized to act on our replace each item of property; behalf: and (a) Access to the location insured; (iv) Amount(s) of payment made for (b) To inspect the location insured, and to any temporary or permanent inspect subject to a.(17), a.(18) and repairs. a.(19) below all damaged property Photographs, videos and any other and any other property that is related supporting documentation that exists to the loss, whether the property is should be included to the extent it is covered or not, prior to its removal reasonable and practical to obtain. from the insured location; (7) The inventory of damaged Business (c) Examine your books and records;and Personal Property described in a.(14) (d) To require an insured or their below. representative, or both if reasonably (8) Produce any updates to the documents possible, to be present at our and information in a.(1) through a.(7) inspection and to assist in identifying above, including revised descriptions of the damaged property during the loss, scope of loss, estimates or other inspection. supporting information: At our request, identify the person or (a) As this information becomes persons with knowledge of how the loss available, and if additional loss or occurred and the extent of damage. damage is discovered or incurred; and Page 6 of 12 Includes copyrighted material of Insurance Services Office, Inc., CIT CNRW 01 25 10 24 with its permission 4754 COMMERCIAL PROPERTY CIT CNRW 01 25 10 24 (11) At our request, identify all person(s)with (19) To the degree reasonably possible, you knowledge of the facts of the loss. must permit us or any person authorized (12) Execute all work authorizations and allow to act on our behalf, to take samples of contractors and related parties entry to the damaged and undamaged property the property. for inspection, testing and analysis and permit us or any person acting on our (13) Keep an accurate record of repair behalf, to make copies from your books expenses. and records. (14) At our request, give us or any person (20) As often as we or any person authorized authorized to act on our behalf, complete to act on our behalf reasonably require: inventories of the damaged and undamaged property. Include (a) You or any insured; descriptions, quantities, costs, values (b) Any member, officer, director, partner and amount of loss claimed. or similar representative of the Attach all bills, receipts and related association, corporation or other documents that justify the figures in the entity, if you are the association, inventory. corporation or other entity, who is an (15) As often as we or any person authorized insured; and to act on our behalf, reasonably require: (c) Any agent or representative, including any public adjuster, (a) Show the damaged property retained engaged on behalf of you or any as required by this policy; and insured, or any member, officer, (b) Provide requested records and director, partner or similar documents, including all updates to representative of an association, the revised documentation, and corporation, or other entity, described permit us or any person authorized to in (20)(b) above; act on our behalf, to make copies. must: (16) Cooperate in obtaining and executing (a) Submit to examinations under oath any necessary municipal, county or other and recorded statements, at the governmental documentation or permits location insured or other reasonable for repairs to be made and any necessary location designated by us,while not in work authorizations, as required by these the presence of each other or any entities. other insured; (17) To the degree reasonably possible, (b) Provide government issued photo retain the damaged property and any identification. If you do not possess photographs and videos of the damaged government issued photo property. identification, a signed sworn Allow us or any person authorized to act statement identifying who you are on our behalf, to inspect the retained may be accepted; and property and make copies of the (c) Sign any transcript of the photographs and videos. examinations under oath and (18) To the degree reasonably possible, prior recorded statements. to materially altering, destroying, Such examinations and recorded trenching or excavating any part of the statements must be either in-person or property or structure insured, allow us or utilize video and audio technology, or any person authorized to act on our both, as determined by us; and behalf, the opportunity to inspect the property. Such examinations and recorded statements may be about any matter relating to this insurance or the claim, including an insured's books and records. CIT CNRW 01 25 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 7 of 12 with its permission 4755 COMMERCIAL PROPERTY CIT CNRW 01 25 10 24 b. At our request, provide us with an unedited S. In form CP 00 17, the following Loss Payment copy of all recordings and photographs, condition applies: including but not limited to,video recordings, If you name an insurance trustee, we will audio recordings and photographs, taken by adjust losses with you, but we will pay the you or your representative of inspections insurance trustee. If we pay the trustee, the initiated by us under the policy. payments will satisfy your claims against us. c. The duties above apply regardless of T. 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 advice or expert claim advice, regarding an (4) Repair, rebuild or replace any part or item insurance claim under this policy. of the damaged property with material or R. The Loss Payment Condition dealing with the property of like kind and quality, subjectto b. below. number of days within which we must pay for covered loss or damage is replaced by the (This is paragraph 5.a.(4) in form CP 00 18) following: U. The Loss Condition Loss Payment, paragraph Provided you have complied with all the terms of 4.a.(5) is added: this Coverage Part, we will pay for covered loss or (5) If an identical replacement is not damage upon the earliest of the following: available, we may, at our option, (1) Within 20 days after we receive the substitute replacement of equal or sworn proof of loss and reach written greater features, functions or capacities agreement with you; of the damaged property, subject to b. (2) Within 30 days after we receive the below. sworn proof of loss and: (This is paragraph 5.a.(5) in form CP 00 18) (a) There is an entry of a final judgment; V. The Loss Condition Loss Payment, paragraph 4.c. or is deleted and replaced by the following: (b) There is a filing of an appraisal award c. We will give the first Named Insured, mail to with us; or the first Named Insured at the address shown in the Declarations, or "electronically (3) Within 60 days of receiving notice of an transmit" to the first Named Insured, written initial, reopened, or supplemental notice of our intentions within 30 days after property insurance claim, unless we deny the claim during that time or factors we receive the signed, sworn proof of loss. beyond our control. Proof of mailing or "electronic transmittal" is If a portion of the claim is denied,then the sufficient proof of notice. 60-day time period for payment of claim (This is paragraph 5.c. in form CP 00 18) relates to the portion of the claim that is W. The following is added to the Loss Payment not denied. Condition: Paragraph (3) applies only to the Payment of a portion of the claim(s) being following: asserted in a loss under this policy does not (a) A claim under a policy covering act as a waiver of our right to dispute or deny residential property; any unpaid portion of any claim(s) that you (b) A claim for building or contents may assert arose from a loss. coverage if the insured structure is X. The following is added to the Loss Payment 10,000 square feet or less and the Condition: policy covers only locations in Florida; In case of loss to a pair, set or panels,we may or elect to: (c) A claim for contents coverage under (1) Repair or replace any part to restore the a tenant's policy if the rented pair, set or panel to its value before the premises are 10,000 square feet or loss; less and the policy covers only locations in Florida. Page 8 of 12 Includes copyrighted material of Insurance Services Office, Inc., CIT CNRW 01 25 10 24 with its permission 4756 COMMERCIAL PROPERTY CIT CNRW 01 25 10 24 (2) Pay the difference between the actual CC.In the Loss Conditions, the following is added: cash value of the property before and Notice after the loss; or A company employee adjuster, independent (3) Pay in any loss involving part of a series adjuster, attorney, investigator, or other persons of pieces or panels: acting on behalf of us that needs access to an (a) The reasonable cost of repairing or insured or the claimant or to the insured property replacing the damaged part to match that is the subject of a claim must provide at least the remainder as closely as possible; 48 hours' notice to the insured or the claimant, or public adjuster, or legal representative before (b) The reasonable cost of providing an scheduling a meeting with the claimant or an onsite acceptable decorative effect or inspection of the insured property. utilization as circumstances may The insured or the claimant may deny access to the warrant. property if notice has not been provided. The However, we do not guarantee the availability insured or the claimant may waive the 48-hour of replacements, and we will not be liable, in notice. the event of damage to or loss of a part,for the DD.In the Loss Conditions, the following is added: value, repair or replacement of the entire Claim, Supplemental Claim, Or Reopened Claim series of pieces or panels. a. A claim or reopened claim is barred unless Y. The Loss Condition Vacancy, paragraph 6. in form notice of the claim is given to us in accordance CP 00 10 and paragraph 7. in forms CP 00 17 and with the terms of the Policy within 1 year after CP 00 18, is deleted in its entirety. the date of loss. Z. The following is added to the Loss Condition A reopened claim means a claim that we have Valuation: previously closed, but that has been reopened Throughout this policy, when determining the upon an insured's request for additional costs actual cash value of the loss, the costs for loss or damage previously disclosed to us. necessary to repair, rebuild or replace the b. A supplemental claim is barred unless notice of covered damaged property may be the supplemental claim is given to us in depreciated. Such costs subject to accordance with the terms of the Policy within depreciation may include, but are not limited 18 months after the date of loss. to, goods, materials, equipment, labor, A supplemental claim means a claim for overhead and profit, taxes, fees or similar additional loss or damage from the same peril charges. which we have previously adjusted or for which AA.In forms CP 00 17, Loss Condition Valuation, costs have been incurred while completing paragraph 8.d. is added: repairs or replacement pursuant to an open d. "Stock"you have sold but not yet delivered at claim for which timely notice was previously the selling price less discounts and expenses provided to us. you otherwise would have had. c. For claims resulting from "hurricane(s)", BB.In the Loss Conditions, the following is added: tornadoes, windstorms, severe rain, or other Salvage weather-related events, the date of loss is the date that the "hurricane" made landfall or the We may permit you to keep damaged insured tornado, windstorm, severe rain, or other property after a loss. If we permit you to keep weather-related event is verified by the National damaged insured property, we will reduce the Oceanic and Atmospheric Administration. amount of loss proceeds payable to you under the This provision concerning time for submission of policy by the value of the salvage. claim, supplemental claim or reopened claim does not affect any limitation for legal action against us as provided in this Policy under the Legal Action Against Us Condition, including any amendment to that condition. CIT CNRW 01 25 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 9 of 12 with its permission 4757 COMMERCIAL PROPERTY CIT CNRW 01 25 10 24 EE.In forms CP 00 10 and CP 0017, Additional b. The electronic posting of any document or Condition Mortgageholders, paragraph 2.a. is notice, with notification to you of the posted deleted and replaced by the following: document or notice, by electronic transmittal a. The term mortgageholder includes trustee to the designated Primary Email Address and Iienholder. shown in your Declarations. FF.Additional Condition Coinsurance is deleted in its (Hereafter referred to as "electronically entirety. transmitted", "electronic transmittal', GG.In the Additional Conditions,the following is added: "electronically transmit" or "electronically transmitting") Adjustment of Limits and Amounts "Hurricane" means a "hurricane" means a storm If this policy is a renewal with us, the Limit of system that has been declared to be a hurricane by Insurance for your Covered Property may be the National Hurricane Center of the National adjusted. Weather Service. The duration of the "hurricane" Any change in the Limit of Insurance does not, in includes the time period, in Florida: any way, represent, warrant, or guarantee to any a. Beginning at the time a hurricane warning is person or entity, that: issued for any part of Florida by the National a. The amounts of coverage are adequate to Hurricane Center of the National Weather repair or rebuild any specific building or Service; and structure; or b. Ending 72 hours following the termination of b. The amounts of coverage are adequate to the last hurricane watch or hurricane warning repair or replace: issued for any part of Florida by the National (1) Any specific article of business personal Hurricane Center of the National WeatherService. property; or JJ.In Form CP 00 17, the following definition is added (2) All of your business personal property. to H. Definitions part of this policy: HH.In form CP 00 17, Optional Coverages, "Stock"means merchandise held in storage or for Replacement Cost, paragraph 3.b.(4) is added: sale, raw materials and in-process or finished (4) "Stock", unless the Including "Stock" goods, including supplies used in their packing or option is shown in the Declarations. shipping. II. The following is added to H. Definitions part of this KK.In the Common Policy Conditions,the Inspections policy: And Surveys Condition D. is deleted and replaced "Assumption insurer" means an insurer who by the following: assumes contractual liability of your Citizens policy D. Inspections And Surveys. under an assumption agreement or take out plan 1. We have the right to: pursuant to Sections 627.351(6) and 627.3511, Florida Statutes. a. Make inspections and surveys at any "Diminution in value" means any reduction in the time; value of any covered property as compared to the b. Give you reports on the conditions we value of that property immediately before the loss. find; and "Electronic transmittal" means: c. Recommend changes. a. The electronic transmittal of any 2. We are not obligated to make any document or notice to the designated inspections, surveys, reports or Primary Email Address shown in your recommendations and any such actions we Declarations; or do undertake relate only to insurability and the premiums to be charged. Page 10 of 12 Includes copyrighted material of Insurance Services Office, Inc., CIT CNRW 01 25 10 24 with its permission 4758 COMMERCIAL PROPERTY CIT CNRW 01 25 10 24 We do not make safety inspections. We do NN.In the Commercial Property Conditions, the not undertake to perform the duty of any Concealment, Misrepresentation Or Fraud person or organization to provide for the Condition A. is deleted and replaced by the health or safety of workers or the public. following: And we do not warrant that conditions: A. Incorrect Statements Or a. Are safe or healthful; or Representations, Concealment Or Fraudulent Conduct. b. Comply with laws, regulations, codes or standards. 1. We do not provide coverage under this Policy to you or any insureds who, 3. Recordings before, during or after a loss, separately At our request, provide us with an unedited or in any manner in conjunction with copy of all recordings and photographs, each other or in conjunction with any third including but not limited to,video recordings, parties, have, relating to this insurance: audio recordings and photographs, taken by a. Made one or more material incorrect you or your representative of inspections statements or representations; initiated by us under the policy. b. Concealed any material fact or 4. This condition applies not only to us, but also circumstance; or to any rating, advisory, inspection service or similar organization which makes insurance c. Engaged in fraudulent conduct. inspections, surveys, reports or 2. We do not provide coverage under this recommendations. Policy to you or any insureds, when you LL.In the Common Policy Conditions, the following is or any insured had knowledge of, but added: failed to disclose that any claimant, or agent or representative of you, any Renewal Notification insured, or any claimant, engaged in If we elect to renew this policy, we will let the first any of the behavior described in 3.a. Named Insured know, in writing: through 3.c. below. 1. Of our decision to renew this policy; and 3. We do not provide coverage under this 2. The amount of renewal premium payable to Policy to any other claimant or other us. claimants seeking benefits under the policy on any basis who, before, during This notice will be delivered to the first Named or after a loss, separately or in any Insured, mailed to the first Named Insured at the manner in conjunction with each other, mailing address shown in the Declarations, or you, any insureds or any third parties, "electronically transmitted" to the first Named have, relating to this insurance: Insured, at least 45 days before the expiration date a. Made one or more material incorrect of this policy. statements or representations; Proof of mailing or "electronic transmittal" is b. Concealed any material fact or sufficient proof of notice. circumstance; or MM.In the Common Policy Conditions, the following is c. Engaged in fraudulent conduct. added: If this policy covers a residential structure or its Document Transmittal contents, then in the Commercial Property Upon affirmative election by you for Citizens to Conditions, the following is added to A. Incorrect deliver policy documents by electronic means in Statements Or Representations, Concealment Or lieu of delivery by mail, we may "electronically Fraudulent Conduct: transmit"any document or notice to you. However, if this policy covers a residential Proof of"electronic transmittal' is sufficient proof of structure or its contents and the policy has notice. 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. CIT CNRW 01 25 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 11 of 12 with its permission 4759 COMMERCIAL PROPERTY CIT CNRW 01 25 10 24 OO.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. PP.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: This policy does not include, does not insure, and we will not pay for, any"diminution in value". QQ.The following is added to this policy: IN WITNESS WHEREOF, Citizens Property Insurance Corporation has executed and attested these presents. Citizens Property Insurance Corporation Page 12 of 12 Includes copyrighted material of Insurance Services Office, Inc., CIT CNRW 01 25 10 24 with its permission 4760 POLICY NUMBER: COMMERCIAL PROPERTY CIT W14 20 10 24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CITIZENS CHANGES - PROPERTY NOT COVERED This endorsement modifies insurance provided under the following: BUILDING AND PERSONAL PROPERTY COVERAGE FORM CONDOMINIUM ASSOCIATION COVERAGE FORM CONDOMINIUM COMMERCIAL UNIT-OWNERS COVERAGE FORM BUILDERS RISK COVERAGE PART Coverage, Property Not Covered section A.2., is f. Aircraft, and their parts and accessories. deleted and replaced by the following: Aircraft means any contrivance used or 2. Property Not Covered designed for flight or designed to carry Covered Property does not include: people or cargo. This includes model aircraft, hobby aircraft a. Animals, unless owned by others and and drones,whether or not designed to carry boarded by you, or if owned by you, only as people or cargo; "stock" while inside a building described in the Declarations; (1) Paragraph f. above does not apply to aircraft, model aircraft, hobby aircraft and b. Accounts, bank notes, bills, bullion, coins, drones, that you own, while inside of an currency, deeds, evidences of debt; letters enclosed building described in the of credit, tickets and stamps, manuscripts, Declarations, and you: medals, money, notes other than bank notes, passports, personal records, or (a) Manufacture, process or warehouse; or securities; (b) Hold for sale, only as "stock". c. Credit cards, debit cards, electronic fund transfer cards or access devices used solely (2) The exception under f.(1)above does not for deposit, withdrawal or transfer of funds, apply if the aircraft, model aircraft, hobby script, prepaid instruments including stored aircraft or drone, is under power or in value cards, gift cards, smart cards; flight; d. Virtual currency and digital assets of any g• Motor vehicles and all motorized land kind, by whatever name known, whether conveyances; trailers on wheels. actual or fictitious including, but not limited This includes: to, digital currency, crypto currency, non- (1) Their equipment and accessories; or fungible tokens or any other type of electronic currency or token; (2) Electronic apparatus that is designed to be operated solely by use of the e. Articles of gold, goldware, gold-plated ware; power from the electrical system of or silver, silverware, silver-plated ware; motor vehicles or all other motorized platinum, platinum ware, platinum-plated conveyances. ware; or pewter, pewterware or pewter- plated ware. Electronic apparatus includes: This includes flatware, holloware, tea sets, (a) Accessories or antennas; or trays, trophies made of or including silver, (b) Tapes, wires, records, discs or gold, pewter, or platinum; other media for use with any electronic apparatus described in this item g. CIT W14 20 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 3 with its permission 4761 The exclusion of property described in g.(1) j. The cost to replace or restore the and g.(2) above, applies only while the information on valuable papers and records, property is in or upon the vehicle or including those which exist as electronic conveyance. data. We do cover vehicles or conveyances, not Valuable papers and records include but are subject to motor vehicle registration on the not limited to proprietary information, books described premises which are: of account, deeds, manuscripts, abstracts, (1) Contained inside of an enclosed drawings and card index systems. building described in the Declarations; Refer to the Coverage Extension for and Valuable Papers And Records (Other Than (2) Used to solely service the described Electronic Data) for limited coverage for premises; or valuable papers and records other than t (3) Designed solely for assisting the hose which exist as electronic data; handicapped; and k. Credit cards or fund transfer cards; (4) Are self-propelled machines; and I. Business Personal Property while airborne, (5) Are not autos or vehicles you hold for waterborne or in transit; sale; m. Pilings, piers, wharves, retaining walls, seawalls, bulkheads, beach or diving h. Watercraft, hovercraft, and their parts and platforms or appurtenances, docks or furnishings,other than rowboats and canoes boathouses. out of water at the described premises in the Declarations, unless: However, we do cover pilings that are part of the Covered Property for that portion of (1) Owned by you only as "stock" when the piling which is above the undersurface of removed from,out of,or not over water; the ground or the basement, if there is a and basement, or above the low water mark if (2) Located in or within 100 feet of the located in whole or in part over water; building described in the Declarations; n. Pipes, flues, and drains, which are L Electronic data, except as provided under underground; the Additional Coverage, Electronic Data. o. Cost of excavations, grading, or filling, Electronic data means information, facts or foundations of covered buildings or covered computer programs stored as or on, created other structures, machinery, boilers, or or used on, or transmitted to or from engines, where foundations are below the computer software (including systems and undersurface of the lowest basement floor, applications software), on hard or floppy or if there is no basement, below the surface disks, CD-ROMs, tapes, drives, cells, data of the ground; processing devices or any other repositories p. Contraband, or property in the course of of electronic data which are used with illegal transportation or trade; electronically controlled equipment. q. Trees, shrubs, plants, flowers or lawns; The term computer programs, referred to in the foregoing description of electronic data, r. Windmills, wind pumps or their towers, or means a set of related electronic smokestacks; instructions which direct the operations and s. Awnings; functions of a computer or device connected t. Steeples and fountains; to it,which enable the computer or device to receive, process, store, retrieve or send u. Grain, hay, straw and other crops, crop silos data. or their contents; This paragraph, L, does not apply to your "stock" of prepackaged software, or to electronic data which is integrated in and operates or controls the building's elevator, lighting, heating, ventilation, air conditioning or security system; Page 2 of 3 Includes copyrighted material of Insurance Services Office, CIT W14 20 10 24 Inc., with its permission 4762 v. Bridges, boardwalks, trestles, catwalks, b. Fences, property walls and similar dune walks, ramps, roadways, walks, decks structures separating parcels of land; and patios and similar structures, or other c. Greenhouses, glasshouses, hothouses, paved or graveled surfaces, whether or not open-sided sheds, carports, cabanas, attached to the building; swimming pools, jacuzzis, hot tubs, or w. Amusement equipment; similar structures, including their decking, x. Fabric windscreens on fences; but not: y. Any structure or attachment, whether (1) Business Personal Property or attached or separate from the covered contents contained within or on these building, where that structure's roof structures; or coverings are of fabric, thatch, lattice, or (2) When these structures are comprised slats and similar material; or where that of fabric, thatch, lattice, slats or similar structure's exterior wall coverings are of material; fabric, thatch, lattice, or slats and similar d. Enclosed garages, enclosed tool sheds, material, and personal property contained enclosed sheds, enclosed pump houses, within or on these structures; enclosed boiler sheds, enclosed pool z. Slat houses, chickees, tiki huts, gazebos houses, enclosed air conditioning sheds, and pergolas or similar structures and enclosed guard houses, enclosed personal property contained within, or on workshops, enclosed maintenance sheds these structures; and the Business Personal Property or aa. Signs, radio or television antennas or contents contained within or on the aerials, satellite dishes (including lead-in structures; wiring, masts or towers and their supports), e. Any structure, including the contents and and utility poles including light fixtures. Business Personal Property contained However, we do cover solar paneling and within or on the structure, that is located in other similar water heating or electrical whole or in part over water; apparatus when: f. Mobile and manufactured homes and (1) Outside the building (including lead-in buildings (including Business Personal pipes, wiring, masts or tower and their Property contained in or on or pertaining to, supports); these structures or conveyances). (2) Permanently installed; However, we do not cover Business Personal Property or contents of any structure or other (3) Located on the described premises; property regardless of whether it is described as and separate and specific item(s)in the Declarations (4) Used for the service of the Covered and a Limit of Insurance is shown in the Property; Declarations, when: bb. Travel trailers and similar structures and a. Such structure is comprised of fabric,thatch, conveyances, (including Business Personal lattice, slats or similar material; or Property contained in or on or pertaining to, b. Not covered, as explained in other sections these structures or conveyances); or of this policy. cc. Land, including land on which the other structures are located. We do cover the following property if, and only if, it is described as separate and specific item(s) in the Declarations and a Limit of Insurance is shown in the Declarations for each of such items: a. Any structure,whether attached or separate from the covered building, where that structure's roof covering is of screen; CIT W14 20 10 24 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 3 with its permission 4763