HomeMy WebLinkAboutItem T07 BOARD OF COUNTY COMMISSIONERS
COUNTY of MONROE Mayor Michelle Lincoln,District 2
The Florida. Keys Mayor Pro Tem David Rice,District 4
p Craig Cates,District 1
James K. Scholl,District 3
- Holly Merrill Raschein,District 5
Regular Meeting
April 15, 2026
Agenda Item Number: T7
26-0782
BULK ITEM: No DEPARTMENT: Risk Management
TIME APPROXIMATE: N/A. STAFF CONTACT: Gaelan Jones.
AGENDA ITEM WORDING: Approval of Renewal of Primary Windstorm Insurance Policy for
Policy Year 2026-2027 with annual premium $1,131,357 from Citizens Property Insurance
Corporation and authorization for the Risk to sign all necessary forms.
ITEM BACKGROUND: The County currently purchases Primary Wind Coverage on approximately
25 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 2025/2026 Master Property program provides Named Windstorm coverage with limits of
$5M and a deductible of$1 M per occurrence/per location. The program is supplemented by a
Parametric policy that could provide an additional $5M of coverage depending on where the storm
crosses the County and wind speed. Citizens provides up to $1 M coverage for each building scheduled
on the policy subject to deductible that amounts to approximately 5% of the Insured Value of the
building(s) damaged. The County paid an annual premium of$1,235,309.00 for their 2025/2026
Citizens Wind Policy which will expire on May 29, 2026. It should be recognized that the County
made significant changes to the schedule of locations being insured, which lowered the value of both
buildings and contents. The following locations were removed from coverage with Citizens in the
2025-26 Policy Year:
• 10 S Conch Ave(MCFR Station 17)-Deemed Ineligible for Coverage due to Roof Age
• 535 33ra Street(Marathon Senior Center)-Property Conveyed to City of Marathon
• 20950 Overseas Highway(MCSO Cudjoe Substation)- Deemed Ineligible for Coverage due to Roof Age
• 490 63ra Street(Former MCFR Logistics)-Property Vacated, Scheduled for Demolition
• 3583 S Roosevelt Blvd. (KW Airport Garage)-Property Scheduled for Demolition
• 3501 S Roosevelt Blvd. (East Martello)-Policy Force-Placed with Alternate Carrier
• 530 Whitehead Street(Lester Building)-Deemed Ineligible for Coverage due to Roof Age
Citizens has issued their renewal notice for the 2026/2027 policy term reflecting a premium of
$1,131,357, a decrease of$103,952 (8.42%) from the 2025-2026 policy.
PREVIOUS RELEVANT BOCC ACTION: May 21, 2025, BOCC approved renewal of the
2025/2026 Citizens Windstorm policy.
INSURANCE REQUIRED: No.
CONTRACT/AGREEMENT CHANGES: N/A.
STAFF RECOMMENDATION: Approval.
DOCUMENTATION:
Proposed Renewal 2026-27
FINANCIAL IMPACT:
Effective Date: 5/29/2026
Expiration Date: 5/29/2027
Total Dollar Value of Contract: $1,131,357.00
Total Cost to County: $1,131,357.00
Current Year Portion: $1,131,357.00
Budgeted: Yes
Source of Funds: SC 00054 CC 08502
CPI:
Indirect Costs:
Estimated Ongoing Costs Not Included in above dollar amounts:
Revenue Producing: If yes, amount:
Grant:
County Match:
Insurance Required:
JAMES GIBSON
SOUTHERNMOST INSURANCE AGENCY
1010 KENNEDY DR STE 401
KEY WEST, FL 33040
MONROE COUNTY, FLORIDA
ATTN: GAELEN JONES
1111 12TH ST STE 408
KEY WEST, FL 33040-3005
INVR2 02 18
SOUTHERNMOST INSURANCE AGENCY �1010 KENNEDY DR STE 401 CITIZENS
KEY WEST FL 33040 PROPERTY INSURANCE CORPORATION
Renewal Premium Invoice
Invoice date: March 30, 2026
BILLED TO:
Invoice Summary
MONROE COUNTY, FLORIDA Amount Due $1,131,357.00
ATTN: GAELEN JONES
1111 12TH STREET STE: 408 Payment Due May 29, 2026
KEY WEST, FL 33040 Current Payment Plan Full Pay
See reverse side for payment options
Policy Information
Insured: MONROE COUNTY, FLORIDA
Primary address: 10600 AVIATION BLVD
MARATHON, FL 33050-3058
Policy number: 00015845 Term: 13
Policy period: 05/29/26 to 05/29/27 Payment Plans At-a-Glance
Renewal premium: $1,131,357.00 Initial
Installment Installment Installment
Payment
00arterly*' $452542.8 M627142262714226271.4
Semiannual* $678814.2 452542.
Contact your agent with questions Payment Due 05/29/26 08/31/26 11/30/26 03/01/27
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.
X- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Please detach and submit this portion with your payment.
*rCITIZENS
Payment Due: May 29, 2026
Policy Number: 00015845 Term: 13
Insured: MONROE COUNTY, FLORIDA
Remit payment to: Amount Due $1,131,357.00
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.
0001584511332141749719001131357004
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.
CITIZENS
PROPERTY IBJ*x',4PRANQYIEi CORPORATION
ORATION
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
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 1225
In summary, your policy provisions in the following forms are amended
as follows:
Florida Changes, form CIT CNRW 01 25 12 25 R
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:
• Punctuation, grammar edits and alpha/numeric references are
amended throughout the endorsement.
• Part P — The Alternative Dispute Resolution (ADR) appraisal
condition is amended to allow Citizens or the insured, except for
policies that have been assumed by an authorized insurer, to
request that the Florida Division of Administrative Hearings (DOAH)
appoint an Umpire when the Appraisers for the parties cannot agree
on an Umpire.
Florida Commercial Mobilehome, form CIT MH 05 01 12 25 R
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:
• Punctuation, grammar edits and alpha/numeric references are
amended throughout the endorsement.
• Part Q — The Alternative Dispute Resolution (ADR) appraisal
condition is amended to allow Citizens or the insured, except for
policies that have been assumed by an authorized insurer, to
request that the Florida Division of Administrative Hearings (DOAH)
appoint an Umpire when the Appraisers for the parties cannot agree
on an Umpire.
Florida Changes- Builders Risk, form CIT BR 01 25 12 25 R
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:
• Punctuation, grammar edits and alpha/numeric references are
amended throughout the endorsement.
• Part F — The Alternative Dispute Resolution (ADR) appraisal
condition is amended to allow Citizens or the insured, except for
policies that have been assumed by an authorized insurer, to
request that the Florida Division of Administrative Hearings (DOAH)
appoint an Umpire when the Appraisers for the parties cannot agree
on an Umpire.
2
CNRW2 1225
Causes Of Loss — Windstorm Or Hail Form, form CIT W10 10 12 25
• The blasting (which includes shockwaves) and vibrations policy
exclusion is amended to express that damage caused by blasting
and vibrations or by either individually is excluded from coverage.
• The pile driving (which includes shockwaves) and vibrations
exclusion is amended to express that damage caused by pile driving
and vibrations or by either individually is excluded from coverage.
Citizens Changes - Property Not Covered, form CIT W14 20 12 25 R
• The "roof" and "exterior wall" provisions in paragraph y. are
combined into one sentence as roof and the exterior wall material
descriptions are the same.
• In the section under "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:", paragraph a. is amended to "Any structure, whether attached
or separate from the covered building, where that structure's roof or
wall covering is of screen".
• In the section under the "However, we do not cover Business
Personal Property or contents of any structure or other property
regardless of whether it is described as separate and specific item(s)
in the Declarations and a Limit of Insurance is shown in the
Declarations, when:", paragraph a. is amended to "Such structure is
comprised of screen, fabric, thatch, lattice, slats or similar material;
or
Florida Changes — Cancellation And Nonrenewal, form CIT W02 55 12
25
• In the nonrenewal condition, the references to an approved surplus
lines insurer are deleted.
Alternative Dispute Resolution Division Of Administrative Hearings,
form CIT DOAH 03 15 12 25
• This endorsement offers a new alternative dispute resolution (ADR)
option that allows Citizens or the insured to invoke at any time a
claims dispute arises, resolution of a disputed claim, other than a
sinkhole claim, by the State of Florida Division of Administrative
Hearings (DOAH).
3
CNRW2 1225
• This endorsement provides that a claim submitted to DOAH cannot
be withdrawn or a DOAH proceeding cannot be dismissed without
the written consent of both parties.
• This endorsement expresses that DOM does not apply, and that
DOM is not available as an alternative dispute resolution method, if
the Policy has been assumed on or before the date of the loss by an
authorized insurer, but that if DOAH was invoked before the policy
was taken out of Citizens, the claim will remain with DOAH until final
resolution.
• This endorsement provides that all proceedings under this
endorsement will be considered as having been held in Leon County,
Florida.
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.
4
CNRW2 1225
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
POLICY CHANGE SUMMARY
POLICY NUMBER: 00015845- 13 POLICY PERIOD FROM 05/29/2026 TO 05/29/2027
at 12:01 a.m.Eastern Time
Transaction: RENEWAL
Item Prior Policy Information Amended Policy Information
Policy Info
Policy Inspector Contact:Brian Bradley Deleted
Primary Location 2:490 63RD ST 1: 10600 AVIATION BLVD
Contact Address(First Named Insured:MONROE COUNTY,
FLORIDA)
Address Line 1 ATTN:Gaelen Jones ATTN:GAELEN JONE
Address Line 2 1111 12th Street Ste:408 1111 12TH ST STE 408
County Monroe MONROE
Postal Code 33040 33040-3005
Locations and Buildings
10:3103 OVERSEAS HWY
Location Number 13 10
1:ONE STORY 3 UNIT MASONRY COURTHOUSE/POLICE
SUBSTATION BUILDING
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 1800000.00 1895000.00
Building Coverage:Total Replacement Cost $1,800,000 $1,895,000
Hurricane,Other Windstorm or Hail Deductible Amount $90,000 $94,750
11:3117 OVERSEAS HWY
Location Number 14 11
1:ONE STORY WIND RESISTIVE SUB-COURTHOUSE
BUILDING
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 1349000.00 1420000.00
Building Coverage:Total Replacement Cost $1,349,000 $1,420,000
Hurricane,Other Windstorm or Hail Deductible Amount $67,450 $71,000
12:81830 OVERSEAS HWY
Location Number 15 12
1:ONE STORY MASONRY LIBRARY BUILDING
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 1326000.00 1396000.00
Building Coverage:Total Replacement Cost $1,326,000 $1,396,000
Hurricane,Other Windstorm or Hail Deductible Amount $66,300 $69,800
13:9400 OVERSEAS HWY
Location Number 16 13
1:TWO STORY SWR AIRPORT TERMINAL BUILDING
Coverages
This summary is for informational purposes only and does not change any of the terms or provisions on your policy. Please
carefully review your policy Declarations and any attached forms for a complete description of coverage.
PCS 01 14 Page 1 of 7
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
POLICY CHANGE SUMMARY
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Item Prior Policy Information Amended Policy Information
Building Coverage
Most Recent Inflation Amt TRC Ext 6459000.00 6801000.00
Building Coverage:Total Replacement Cost $6,459,000 $6,801,000
Hurricane,Other Windstorm or Hail Deductible Amount $322,950 $340,050
2:AIRCRAFT HANGER-8000 OS
Coverages
Building Coverage
Limit 721,000 759,000
Most Recent Inflation Amount Ext 721000.00 759000.00
Most Recent Inflation Amt TRC Ext 721000.00 759000.00
Building Coverage:Total Replacement Cost $721,000 $759,000
Hurricane,Other Windstorm or Hail Deductible Amount $36,050 $37,950
3:AIRCRAFT HANGER-8000 OS
Coverages
Building Coverage
Limit 721,000 759,000
Most Recent Inflation Amount Ext 721000.00 759000.00
Most Recent Inflation Amt TRC Ext 721000.00 759000.00
Building Coverage:Total Replacement Cost $721,000 $759,000
Hurricane,Other Windstorm or Hail Deductible Amount $36,050 $37,950
4:AIRCRAFT HANGER-8000 OS
Coverages
Building Coverage
Limit 721,000 759,000
Most Recent Inflation Amount Ext 721000.00 759000.00
Most Recent Inflation Amt TRC Ext 721000.00 759000.00
Building Coverage:Total Replacement Cost $721,000 $759,000
Hurricane,Other Windstorm or Hail Deductible Amount $36,050 $37,950
5:T-4 AIRCRAFT HANGAR-8000 OS
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 1072000.00 1129000.00
Building Coverage:Total Replacement Cost $1,072,000 $1,129,000
Hurricane,Other Windstorm or Hail Deductible Amount $53,600 $56,450
14: 10100 OVERSEAS HWY
Location Number 17 14
1:ONE STORY MASONRY AIRCRAFT HANGER#2
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 2055000.00 2164000.00
Building Coverage:Total Replacement Cost $2,055,000 $2,164,000
Hurricane,Other Windstorm or Hail Deductible Amount $102,750 $108,200
2:ONE STORY MASONRY AIRCRAFT HANGER
Coverages
Building Coverage
Limit 535,000 563,000
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 2 of 7
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
POLICY CHANGE SUMMARY
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Item Prior Policy Information Amended Policy Information
Most Recent Inflation Amount Ext 535000.00 563000.00
Most Recent Inflation Amt TRC Ext 535000.00 563000.00
Building Coverage:Total Replacement Cost $535,000 $563,000
Hurricane,Other Windstorm or Hail Deductible Amount $26,750 $28,150
15: 1100 SIMONTON ST
Location Number 18 15
1:TWO STORY 8 UNIT WR OFFICE BUILDING
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 8388000.00 8833000.00
Building Coverage:Total Replacement Cost $8,388,000 $8,833,000
Hurricane,Other Windstorm or Hail Deductible Amount $419,400 $441,650
Occupancy-List all occupancies
0701
Class Code 0702-Offices-Non- 0701 -Offices-Governmental
Governmental
Year Built 1916 1923
Year of Last Primary Roof Update/Replacement 1916 2020
Roof Remaining Useful Life(Years) 2
16:500 WHITEHEAD ST
Location Number 20 16
1:TWO STORY 13 UNIT MASONRY COURT HOUSE ANNEX
BUILDING
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 8545000.00 8998000.00
Building Coverage:Total Replacement Cost $8,545,000 $8,998,000
Hurricane,Other Windstorm or Hail Deductible Amount $427,250 $449,900
17:938 WHITEHEAD ST
Location Number 22 17
1:ONE STORY FRAME MUSEUM BUILDING
Coverages
Building Coverage
Limit 616,000 649,000
Most Recent Inflation Amount Ext 616000.00 649000.00
Most Recent Inflation Amt TRC Ext 616000.00 649000.00
Building Coverage:Total Replacement Cost $616,000 $649,000
Hurricane,Other Windstorm or Hail Deductible Amount $30,800 $32,450
18:3583 S ROOSEVELT BLVD ti Deleted
18:700 FLEMING ST
Location Number 23 18
1:ONE STORY MASONRY LIBRARY BUILDING
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 3112000.00 3277000.00
Building Coverage:Total Replacement Cost $3,112,000 $3,277,000
Hurricane,Other Windstorm or Hail Deductible Amount $155,600 $163,850
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 7
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
POLICY CHANGE SUMMARY
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Item Prior Policy Information Amended Policy Information
19:2796 OVERSEAS HWY
Location Number 25 19
1: 10600 AVIATION BLVD
Location Number 3 1
1:ONE STORY MASONRY COUNTY OFFICE BUILDING
Coverages
Building Coverage
Limit 386,000 406,000
Most Recent Inflation Amount Ext 386000.00 406000.00
Most Recent Inflation Amt TRC Ext 386000.00 406000.00
Building Coverage:Total Replacement Cost $386,000 $406,000
Hurricane,Other Windstorm or Hail Deductible Amount $19,300 $20,300
2:ONE STORY MASONRY FLEET MAINTENANCE FACILITY
BUILDING
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 1543000.00 1625000.00
Building Coverage:Total Replacement Cost $1,543,000 $1,625,000
Hurricane,Other Windstorm or Hail Deductible Amount $77,150 $81,250
1:490 63RD ST v Deleted
20:530 WHITEHEAD ST Deleted
20:5655 MACDONALD AVE
Address Line 1 5565 MACDONALD AVE 5655 MACDONALD AVE
Location Number 26 20
Postal Code 33040 33040-5905
1:TWO STORY SWR STOCK ISLAND FIRE STATION
BUILDING
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 2105000.00 2217000.00
Building Coverage:Total Replacement Cost $2,105,000 $2,217,000
Hurricane,Other Windstorm or Hail Deductible Amount $105,250 $110,850
21: 10330 OVERSEAS HWY
Address Line 1 10330 Overseas Hwy 10330 OVERSEAS HWY
City Marathon MARATHON
County Monroe MONROE
GIS Windpool Elg Indic Ext Yes
GISPRW Territory Ext 90
Location Number 27 21
Last User Action Rejected Overridden
1:ONE STORY MASONRY AIRCRAFT HANGAR
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 2246000.00 2365000.00
Building Coverage:Total Replacement Cost $2,246,000 $2,365,000
Hurricane,Other Windstorm or Hail Deductible Amount $112,300 $118,250
22:88770 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 4 of 7
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
POLICY CHANGE SUMMARY
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Item Prior Policy Information Amended Policy Information
Location Number 28 22
1:TWO STORY THREE UNIT SWR PK COURTHOUSE&
DETENTION CENTER BUILDING
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 16888000.00 17783000.00
Building Coverage:Total Replacement Cost $16,888,000 $17,783,000
Hurricane,Other Windstorm or Hail Deductible Amount $844,400 $889,150
Occupancy-List all occupancies
0701
High Rated Occ Yes
0701
High Rated Occ Yes
23:20950 OVERSEAS HWY ti Deleted
23:22352 OVERSEAS HWY
Location Number 29 23
1:ONE STORY SWR CUDJOE FIRE STATION BUILDING
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 3861000.00 4066000.00
Building Coverage:Total Replacement Cost $3,861,000 $4,066,000
Hurricane,Other Windstorm or Hail Deductible Amount $193,050 $203,300
24:3490 OVERSEAS HWY
Location Number 30 24
1:ONE STORY SWR LIBRARY&ADULT CENTER BUILDING
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 5900000.00 6213000.00
Building Coverage:Total Replacement Cost $5,900,000 $6,213,000
Hurricane,Other Windstorm or Hail Deductible Amount $295,000 $310,650
25:6751 5TH ST BERNSTEIN PARK
Location Number 31 25
1:TWO STORY SWR CLUBHOUSE/RECREATION BUILDING
(NO OUTDOOR EQUIPMENT)
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 3134000.00 3300000.00
Building Coverage:Total Replacement Cost $3,134,000 $3,300,000
Hurricane,Other Windstorm or Hail Deductible Amount $156,700 $165,000
2:ONE STORY MASONRY UTILITY/SHOP BUILDING
Coverages
Building Coverage
Limit 174,000 183,000
Most Recent Inflation Amount Ext 174000.00 183000.00
Most Recent Inflation Amt TRC Ext 174000.00 183000.00
Building Coverage:Total Replacement Cost $174,000 $183,000
Hurricane,Other Windstorm or Hail Deductible Amount $8,700 $9,150
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 7
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
POLICY CHANGE SUMMARY
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Item Prior Policy Information Amended Policy Information
2:6 COCO PLUM DR
Location Number 4 2
3:5200 COLLEGE RD
Location Number 5 3
1:ONE STORY MASONRY BUILDING HOMES FOR THE
AGED
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 1759000.00 1852000.00
Building Coverage:Total Replacement Cost $1,759,000 $1,852,000
Hurricane,Other Windstorm or Hail Deductible Amount $87,950 $92,600
4:5501 COLLEGE RD
Location Number 6 4
5:5525 COLLEGE RD
Location Number 7 5
1:THREE STORY WIND RESISTIVE SHERIFF'S
ADMINISTRATION BUILDING
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 7254000.00 7638000.00
Building Coverage:Total Replacement Cost $7,254,000 $7,638,000
Hurricane,Other Windstorm or Hail Deductible Amount $362,700 $381,900
6:28 EMERALD DR
Location Number 9 6
1:TWO STORY WIND RESISTIVE BIG COPPITT FIRE
SAFETY FACILITY BUILDING
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 1620000.00 1706000.00
Building Coverage:Total Replacement Cost $1,620,000 $1,706,000
Hurricane,Other Windstorm or Hail Deductible Amount $81,000 $85,300
7: 10 S CONCH AVE N Deleted
7: 151 MARINE AVE
Location Number 10 7
1:ONE STORY WIND RESISTIVE FIRE AND AMBULANCE
STATION BUILDING
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 1718000.00 1809000.00
Building Coverage:Total Replacement Cost $1,718,000 $1,809,000
Hurricane,Other Windstorm or Hail Deductible Amount $85,900 $90,450
8:3981 OCEAN TER
Location Number 11 8
1:ONE STORY WR JAIL BUILDING
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 1611000.00 1696000.00
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 6 of 7
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
POLICY CHANGE SUMMARY
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Item Prior Policy Information Amended Policy Information
Building Coverage:Total Replacement Cost $1,611,000 $1,696,000
Hurricane,Other Windstorm or Hail Deductible Amount $80,550 $84,800
9:2798 OVERSEAS HWY
Location Number 12 9
1:TWO STORY 10 UNIT WIND RESISTIVE COUNTY OFFICE
BUILDING
Coverages
Building Coverage
Most Recent Inflation Amt TRC Ext 4420000.00 4654000.00
Building Coverage:Total Replacement Cost $4,420,000 $4,654,000
Hurricane,Other Windstorm or Hail Deductible Amount $221,000 $232,700
Roof Remaining Useful Life(Years) 5 4
This summary is for informational purposes only and does not change any of the terms or provisions on your policy. Please
carefully review your policy Declarations and any attached forms for a complete description of coverage.
PCS 01 14 Page 7 of 7
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
POLICY NUMBER: 00015845- 13 POLICY PERIOD FROM 05/29/2026 TO 05/29/2027
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: GAELEN JONES Southernmost Insurance Agency
1111 12TH ST STE 408 1010 KENNEDY DR STE 401
KEY WEST, FL 33040-3005 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 $960,813.00
Required Additional Charges:
2023-A Florida Insurance Guaranty Association (FICA) Emergency Assessment $9,608.00
Catastrophe Financing Surcharge $144,122.00
Tax-Exempt Surcharge $16,814.00
TOTAL: $1,131,357.00
See Form CDEC-FE-SCH—Commercial Policy Forms And Endorsements Schedule
Countersigned: 03/30/2026
Authorized By: JAMES GIBSON BY:
Issued Date: 03/30/2026
Timothy M. Cerio
President/CEO and Executive Director
Citizens Property Insurance Corporation
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 1 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702
BUSINESS DESCRIPTION: Offices-Non-Governmental
DESCRIPTION OF PREMISES 1: 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) $406,000 Wind $406,000 Class $9,262.00 No
Business Personal Property(BPP) $62,400 Wind $62,400 Class $1,362.00 No
Your coverage limits have been adjusted for inflation.
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes No
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($20,300)
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: $10,624.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 2 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 1 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 1: 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 $1,625,000 Class $28,013.00 Yes
Business Personal Property(BPP) $54,000 Wind $54,000 Class $1,179.00 No
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes No
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($81,250)
BPP: 5% ($2,700)
WINDSTORM MITIGATION FEATURES
Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR
C 1995 N/A N/A Connection N/A
N/A
Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design
N/A N/A Protective Devices N/A N/A
None
Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule.
PREMIUM: $29,192.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
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: 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 $5,660.00 No
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
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: $5,660.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 4 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 3 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 3: 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 $1,852,000 Class $16,445.00 Yes
Business Personal Property(BPP) $32,000 Wind $32,000 Class $254.00 No
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes No
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($92,600)
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: $16,699.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 5 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO.4 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1000
BUSINESS DESCRIPTION: Governmental Subdivisions-Jails
DESCRIPTION OF PREMISES 4: 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 $7,757.00 No
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
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: $7,757.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 6 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 5 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702
BUSINESS DESCRIPTION: Offices-Non-Governmental
DESCRIPTION OF PREMISES 5: 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 $7,638,000 Class $31,885.00 Yes
Business Personal Property(BPP) $500,000 Wind $1,562,786 Class $8,367.00 Yes
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes No
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($381,900)
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: $40,252.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 7 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 6 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1070
BUSINESS DESCRIPTION: Firehouses
DESCRIPTION OF PREMISES 6: 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 $1,706,000 Class $12,288.00 Yes
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($85,300)
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: $12,288.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 8 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 7 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1070
BUSINESS DESCRIPTION: Firehouses
DESCRIPTION OF PREMISES 7: 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 $1,809,000 Class $13,218.00 Yes
Business Personal Property(BPP) $112,000 Wind $112,000 Class $1,034.00 No
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes No
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($90,450)
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: $14,252.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 9 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 8 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1000
BUSINESS DESCRIPTION: Governmental Subdivisions-Jails
DESCRIPTION OF PREMISES 8: 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 $1,696,000 Class $12,637.00 Yes
Business Personal Property(BPP) $92,000 Wind $92,000 Class $849.00 No
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes No
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($84,800)
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: $13,486.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 10 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 9 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702
BUSINESS DESCRIPTION: Offices-Non-Governmental
DESCRIPTION OF PREMISES 9: 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 $4,654,000 Class $26,467.00 Yes
Business Personal Property(BPP) $200,000 Wind $440,012 Class $2,928.00 Yes
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes No
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($232,700)
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: $29,395.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 11 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 10 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702
BUSINESS DESCRIPTION: Offices-Non-Governmental
DESCRIPTION OF PREMISES 10: 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 $1,895,000 Class $30,617.00 Yes
Business Personal Property(BPP) $217,000 Wind $217,000 Class $4,736.00 No
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes No
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($94,750)
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: $35,353.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 12 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 11 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702
BUSINESS DESCRIPTION: Offices-Non-Governmental
DESCRIPTION OF PREMISES 11: 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 $1,420,000 Class $10,641.00 Yes
Business Personal Property(BPP) $186,000 Wind $186,000 Class $1,717.00 No
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes No
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($71,000)
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: $12,358.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 13 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
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: 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 $1,396,000 Class $23,238.00 Yes
Business Personal Property(BPP) $430,000 Wind $779,000 Class $12,568.00 Yes
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes No
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($69,800)
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: $35,806.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 14 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 13 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0567
BUSINESS DESCRIPTION:Airports-Passenger terminals
DESCRIPTION OF PREMISES 13: 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 $6,801,000 Class $53,265.00 Yes
Business Personal Property(BPP) $100,000 Wind $100,000 Class $1,365.00 No
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes No
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($340,050)
BPP: 5% ($5,000)
WINDSTORM MITIGATION FEATURES
Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR
C 1995 N/A N/A Connection N/A
N/A
Building Type Roof Shape Windstorm FBC Wind Speed FBC Wind Design
N/A N/A Protective Devices N/A N/A
None
Mortgageholder(s)&Other Policyholder Interest(s)—See Policy Interest Schedule.
PREMIUM: $54,630.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 15 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 13 BUILDING OR SPECIAL CLASS ITEM NO.2 CSP Code: 0940
BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing
DESCRIPTION OF PREMISES 13: 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) $759,000 Wind $759,000 Class $17,316.00 No
Your coverage limits have been adjusted for inflation.
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($37,950)
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: $17,316.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 16 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 13 BUILDING OR SPECIAL CLASS ITEM NO.3 CSP Code: 0940
BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing
DESCRIPTION OF PREMISES 13: 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) $759,000 Wind $759,000 Class $17,316.00 No
Your coverage limits have been adjusted for inflation.
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($37,950)
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: $17,316.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 17 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 13 BUILDING OR SPECIAL CLASS ITEM NO.4 CSP Code: 0940
BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing
DESCRIPTION OF PREMISES 13: 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) $759,000 Wind $759,000 Class $17,316.00 No
Your coverage limits have been adjusted for inflation.
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($37,950)
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: $17,316.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 18 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 13 BUILDING OR SPECIAL CLASS ITEM NO.5 CSP Code: 0933
BUSINESS DESCRIPTION:Airports-Hangars with repairing or servicing
DESCRIPTION OF PREMISES 13: 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 $1,129,000 Class $23,019.00 Yes
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($56,450)
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: $23,019.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 19 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 14 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0940
BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing
DESCRIPTION OF PREMISES 14: 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 $2,164,000 Class $35,674.00 Yes
Business Personal Property(BPP) $50,000 Wind $50,000 Class $1,091.00 No
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes No
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($108,200)
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: $36,765.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 20 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 14 BUILDING OR SPECIAL CLASS ITEM NO.2 CSP Code: 0940
BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing
DESCRIPTION OF PREMISES 14: 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) $563,000 Wind $563,000 Class $12,844.00 No
Business Personal Property(BPP) $26,426 Wind $26,426 Class $577.00 No
Your coverage limits have been adjusted for inflation.
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes No
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($28,150)
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: $13,421.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 21 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 15 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0701
BUSINESS DESCRIPTION: Offices-Governmental
DESCRIPTION OF PREMISES 15: 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 $8,833,000 Class $38,015.00 Yes
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($441,650)
WINDSTORM MITIGATION FEATURES
Terrain Year Built Roof Cover Roof Deck Roof-Wall SWR
C 1923 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: $38,015.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 22 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 16 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0702
BUSINESS DESCRIPTION: Offices-Non-Governmental
DESCRIPTION OF PREMISES 16: 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 $8,998,000 Class $77,342.00 Yes
Business Personal Property(BPP) $500,000 Wind $950,000 Class $13,435.00 Yes
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes No
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($449,900)
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: $90,777.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 23 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 17 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0567
BUSINESS DESCRIPTION: Museums-Commercial
DESCRIPTION OF PREMISES 17: 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) $649,000 Wind $649,000 Class $16,666.00 No
Business Personal Property(BPP) $45,300 Wind $45,300 Class $1,066.00 No
Your coverage limits have been adjusted for inflation.
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes No
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($32,450)
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: $17,732.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 24 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 18 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1051
BUSINESS DESCRIPTION: Libraries
DESCRIPTION OF PREMISES 18: 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 $3,277,000 Class $36,888.00 Yes
Business Personal Property(BPP) $600,000 Wind $1,900,000 Class $24,353.00 Yes
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes No
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($163,850)
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: $61,241.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 25 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO. 19 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 19: 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 $34,618.00 Yes
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
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: $34,618.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 26 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO.20 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1070
BUSINESS DESCRIPTION: Firehouses
DESCRIPTION OF PREMISES 20: 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 $2,217,000 Class $21,252.00 Yes
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($110,850)
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: $21,252.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 27 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO.21 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0940
BUSINESS DESCRIPTION:Airports-Hangars without repairing or servicing
DESCRIPTION OF PREMISES 21: 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 $2,365,000 Class $35,192.00 Yes
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($118,250)
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: $35,192.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 28 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO.22 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 22: 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 $17,783,000 Class $100,982.00 Yes
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($889,150)
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: $100,982.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 29 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO.23 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1070
BUSINESS DESCRIPTION: Firehouses
DESCRIPTION OF PREMISES 23: 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 $4,066,000 Class $35,925.00 Yes
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($203,300)
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: $35,925.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 30 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO.24 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 1051
BUSINESS DESCRIPTION: Libraries
DESCRIPTION OF PREMISES 24: 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 $6,213,000 Class $48,066.00 Yes
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($310,650)
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: $48,066.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 31 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO.25 BUILDING OR SPECIAL CLASS ITEM NO. 1 CSP Code: 0844
BUSINESS DESCRIPTION: Parks or Playgrounds-enclosed buildings used for recreation
DESCRIPTION OF PREMISES 25: 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 $3,300,000 Class $30,351.00 Yes
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($165,000)
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: $30,351.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 32 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
Insured Name: MONROE COUNTY, FLORIDA
LOCATION NO.25 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 25: 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) $183,000 Wind $183,000 Class $3,757.00 No
Your coverage limits have been adjusted for inflation.
OPTIONAL COVERAGES/EXCLUSIONS Applicable Only When Entries Are Made In The Schedule Below
Coverage Premium Replacement Cost Roof Covering Loss
Exclusion Applied:
Building Business Personal Property No
Yes
DEDUCTIBLE
Hurricane,Other Windstorm
or Hail Percentage Deductible
Deductible Percentage(Deductible Amount)
Bldg: 5% ($9,150)
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: $3,757.00
CDEC1 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 33 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY DECLARATIONS
Policy Number: 00015845- 13 Effective Date: 05/29/2026 to 05/29/2027
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 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 34 of 34
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY
FORMS AND ENDORSEMENTS SCHEDULE
POLICY NUMBER 00015845-13 POLICY PERIOD FROM 05/29/2026 TO 05/29/2027
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 03 21 1223 WINDSTORM OR HAIL PERCENTAGE
DEDUCTIBLE
ALL ALL CIT W14 20 12 25 R CITIZENS CHANGES- PROPERTY NOT
COVERED
ALL ALL CP 01 40 0706 EXCLUSION OF LOSS DUE TO VIRUS OR
BACTERIA
ALL ALL IL 09 35 0702 EXCLUSION OF CERTAIN COMPUTER-
RELATED LOSSES
ALL ALL IL P 001 01 04 U.S.TREASURY DEPARTMENT'S OFFICE
OF FOREIGN ASSETS CONTROL("OFAC")
ADVISORY NOTICE TO POLICYHOLDERS
ALL ALL IL 00 17 1198 COMMON POLICY CONDITIONS
ALL ALL CID 00 90 0788 COMMERCIAL PROPERTY CONDITIONS
ALL ALL CIT DOAH 03 15 1225 ALTERNATIVE DISPUTE RESOLUTION DIVISION
OF ADMINISTRATIVE HEARINGS
ALL ALL CIT W02 55 1225 FLORIDA CHANGES-CANCELLATION AND
NONRENEWAL
ALL ALL CIT 01 75 0723 FLORIDA CHANGES- LEGAL ACTION AGAINST
US
ALL ALL CIT W10 10 1225 CAUSES OF LOSS-WINDSTORM OR HAIL
FORM
1 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
1 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
1 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
1 2 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
2 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
2 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
2 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
3 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
Issued Date: 03/30/2026 First Named Insured Copy
CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 6
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY
FORMS AND ENDORSEMENTS SCHEDULE
POLICY NUMBER 00015845-13 POLICY PERIOD FROM 05/29/2026 TO 05/29/2027
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 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
3 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
3 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
4 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
4 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
4 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
5 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
5 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
5 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
5 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
6 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
6 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
6 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
6 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
7 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
7 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
7 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
7 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
8 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
8 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
8 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
8 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
Issued Date: 03/30/2026 First Named Insured Copy
CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 2 of 6
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY
FORMS AND ENDORSEMENTS SCHEDULE
POLICY NUMBER 00015845-13 POLICY PERIOD FROM 05/29/2026 TO 05/29/2027
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 01 25 12 25 R FLORIDA CHANGES
9 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
9 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
9 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
10 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
10 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
10 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
10 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
11 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
11 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
11 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
11 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
12 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
12 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
12 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
12 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
13 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
13 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
13 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
13 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
13 5 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
14 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
14 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
Issued Date: 03/30/2026 First Named Insured Copy
CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 6
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY
FORMS AND ENDORSEMENTS SCHEDULE
POLICY NUMBER 00015845-13 POLICY PERIOD FROM 05/29/2026 TO 05/29/2027
at 12:01 a.m.Eastern Time
Named Insured MONROE COUNTY, FLORIDA
Location No. Building No. Form No. Edition Date Description
14 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
14 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
15 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
15 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
15 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
15 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
16 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
16 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
16 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
16 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
17 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
17 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
17 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
18 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
18 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
18 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
18 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
19 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
19 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
19 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
19 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
20 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
Issued Date: 03/30/2026 First Named Insured Copy
CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 4 of 6
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY
FORMS AND ENDORSEMENTS SCHEDULE
POLICY NUMBER 00015845-13 POLICY PERIOD FROM 05/29/2026 TO 05/29/2027
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 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
20 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
20 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
21 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
21 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
21 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
21 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
22 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
22 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
22 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
22 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
23 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
23 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
23 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
23 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
24 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
24 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
24 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
24 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
25 ALL CIT CNRW 01 25 12 25 R FLORIDA CHANGES
25 ALL CIT CNRW 00 03 12 25 RV TABLE OF CONTENTS- BUILDING AND
PERSONAL PROPERTY
25 ALL CID 00 10 0607 BUILDING AND PERSONAL PROPERTY
COVERAGE FORM
Issued Date: 03/30/2026 First Named Insured Copy
CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 5 of 6
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY
FORMS AND ENDORSEMENTS SCHEDULE
POLICY NUMBER 00015845-13 POLICY PERIOD FROM 05/29/2026 TO 05/29/2027
at 12:01 a.m.Eastern Time
Named Insured MONROE COUNTY, FLORIDA
Location No. Building No. Form No. Edition Date Description
25 1 CIT 04 14 0821 COVERAGE WRITTEN ON A FIRST LOSS BASIS
Issued Date: 03/30/2026 First Named Insured Copy
CDEC-FE-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 6 of 6
with its permission.
CITIZENS PROPERTY INSURANCE CORPORATION
301 W BAY ST
CITIZENS JACKSONVILLE FL 32202
PROPERTY INSURANCE CORPORATION
COMMERCIAL PROPERTY POLICY
POLICY INTEREST SCHEDULE
POLICY NUMBER 00015845-13 POLICY PERIOD FROM 05/29/2026 TO 05/29/2027
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: 03/30/2026 First Named Insured Copy
CDEC-PI-SCH 01 14 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 1
with its permission.
ip
�I 'IZENS NOTICE OF PRIVACY POLICY
���� �q ��rrA�,
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.citizensfla.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.
s,l mm Call 866.411.2742; Deaf/Hard of Hearing: 800.955.8771 (TTY)or 800.955.8770 (Voice); or go
to www.citizensfla.com
PNCL-7 12 25 1
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.
PNCL-7 12 25 2
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
- Confirm identity;
- 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.
.................
� u a IIIIIV
Obtaining Loss History 627.351(6)(n), Florida Statutes ✓
Reports
Implementing the enhanced
clearinghouse application 627.3518(3)(e), Florida Statutes ✓
Reporting unclaimed
property Chapter 717, Florida Statutes ✓Processing insurance 627.351(6)(k) ✓
claims
Office of Foreign Asset 31 CFR 501 et seq ✓
Control requirements
PNCL-7 12 25 3
Table of Contents — Building and Personal Property
COMMERCIAL PROPERTY COVERAGE Florida Changes................CIT CNRW 01 25 12 25 R
(Or if a Mobile Home then: Florida Commercial Mobile
Building and Personal Property......CP 00 10 06 07 Home.....................CIT MH 05 01 12 25 R)
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 (CIT MH 05 01 12 25 R).......3
Additional Coverages........................................3 Limits Of Insurance Changes.................................3
Coverage Extensions........................................6 (CIT MH 05 01 12 25 R).......4
B. Exclusions And Limitations................................8 Deductible Changes...............................................3
C. Limits Of Insurance............................................8 (CIT MH 05 01 12 25 R).......4
D. Deductible..........................................................9 Loss Condition Changes........................................3
E. Loss Conditions .................................................9 (CIT MH 05 01 12 25 R).......4
Abandonment...................................................9 Additional Condition Changes..............................10
Appraisal ..........................................................9 Optional Coverages Changes...............................10
Duties In The Event Of Loss Or Damage.......10 (No Optional Coverages conditions in CIT MH 05 01 12 25 R)
Loss Payment.................................................10 Definition Changes...............................................10
Recovered Property........................................11 (CIT MH 05 01 12 25 R).......11
Vacancy..........................................................11 Common Policy Condition Changes................. ...10
Valuation........................................................11 (CIT MH 05 01 12 25 R).......11
F.Additional Conditions........................................12 Commercial Property Condition Changes.............11
Coinsurance....................................................12 (CIT MH 05 01 12 25 R).......12
Mortgageholders .............................................13 Other Changes ..............................................12
G. Optional Coverages.........................................14 (CIT MH 05 01 12 25 R).......13
Agreed Value...................................................14 Common Policy Conditions...............IL 00 17 11 98
Inflation Guard.................................................14 A. Cancellation .......................................................1
ReplacementCost...........................................14 B. Changes.............................................................1
Extension Of Replacement Cost To C. Examination Of Your Books And Records.........1
Personal Property Of Others........................15 D. Inspections And Surveys....................................1
H. Definitions........................................................15 E. Premiums...........................................................1
F.Transfer Of Your Rights And Duties
Under This Policy.........................................1
Causes of Loss—Windstorm Or Florida Changes—Legal Action
Hail Form.................. . ............CIT W10 10 12 25 Against Us...................................CIT 01 75 07 23
A. Covered Causes Of Loss...................................1 Exclusion Of Certain Computer—
B. Exclusions..........................................................1 Related Losses...............................IL 09 35 07 02
C.Additional Coverage...........................................4 Exclusion Of Loss Due To Virus
D. Definitions..........................................................5 Or Bacteria...................................CP 01 40 07 06
Florida Changes—Cancellation and
Nonrenewal..............................CIT W02 55 12 25
Citizens Changes-Property
MANDATORY ENDORSEMENTS Not Covered.........................CIT W14 20 12 25 R
Windstorm Or Hail Percentage
Commercial Property Conditions....CP 00 90 07 88 Deductible..............................CIT 03 21 12 23
A. Concealment, Misrepresentation Or Fraud........1 U.S.Treasury Department's Office Of Foreign
B. Control Of Property............................................1 Assets Control ("OFAC")Advisory
C. Insurance Under Two Or More Coverages........1 Notice To Policyholders.............IL P 001 01 04
D. Legal Action Against Us.....................................1
E. Liberalization......................................................1
F. No Benefit To Bailee..........................................1 OTHER ENDORSEMENTS(May Be Attached)
G. Other Insurance.................................................1
H. Policy Period, Coverage Territory......................1 Windstorm Or Hail Protective
I. Transfer Of Rights Of Recovery Against Devices...................................CIT 12 09 12 23
Others To Us................................................2 Loss Payable Provisions..................CP 12 18 06 07
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
Roof Covering Loss Exclusion.......CIT 06 45 12 25
Alternative Dispute Resolution Division Of
Administrative Hearings.......CIT DOAH 03 15 12 25
CIT CNRW 00 03 12 25 RV Page 1 of 1
COMMERCIAL
CIT DOAH 03 15 12 25
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
ALTERNATIVE DISPUTE RESOLUTION
DIVISION OF ADMINISTRATIVE HEARINGS
The following Condition 2. Alternative Dispute Resolution, c. Division of Administrative Hearings
Proceedings is added to the Florida Changes form in your Policy.
(This is Alternative Dispute Resolution 2.c. in Florida Changes forms CIT CR 01 25, CIT CRW 01 25, CIT
CNRM 01 25, CIT CNRW 01 25, CIT BR 01 25 and CIT MH 05 01, one of which is part of your Policy)
c. Division of Administrative Hearings Proceedings.
A proceeding before the State of Florida, Division of Administrative Hearings (DOAH) is an
alternative dispute resolution, by mandatory arbitration pursuant to the Revised Florida Arbitration
Code, to address and resolve disagreements regarding claim disputes.
All non-required provisions of the arbitration code are hereby rejected by this agreement and DOAH
shall have exclusive jurisdiction over matters to which this endorsement applies except those
specifically reserved to the courts by the Arbitration Code. We will reimburse DOAH for the costs it
incurs for any arbitration proceedings.
DOAH shall be authorized to determine any dispute regarding the validity of this arbitration provision,
or the applicability of the arbitration provision to a particular matter.
This includes but is not limited to the authority to determine any disputes concerning the
interpretation or the enforceability of this arbitration agreement, including the scope of arbitrable
issues. Revised Florida Arbitration Code Sections 682.02 (2)-(3)shall not apply to this agreement to
arbitrate.
For purposes of this Condition 2.c., a claim dispute refers, as appropriate, either to your and our
failure to agree on the amount of loss, or our decision regarding coverage for any claim. It also refers
to disagreements on claims in which we pay part of a loss but, for any reason, we do not pay all
amounts of loss for any claim that you have presented to us.
(1) If there is a claim dispute either party may serve the other party to the dispute with a written
demand for resolution of such dispute before DOAH. If the party served with a written demand
believes that the dispute is ineligible for resolution before DOAH for any reason, it shall promptly
so advise the party that made the written demand.
(a) In lieu of a written demand a party may initiate a hearing request directly with DOAH as set
out in paragraph (6) below.
i. Once a claim is submitted to DOAH, the claim may not be withdrawn or the DOAH
proceeding dismissed without the written agreement of both parties.
ii. If both parties do not agree,the DOAH proceeding shall continue and an arbitration award
shall be entered by the Administrative Law Judge (ALJ) to effect a final resolution of the
dispute.
(b) If you file suit and fail to provide a notice of intent to initiate litigation (NOI) as required by
Florida law for any reason, we may invoke DOAH in a motion to stay and compel arbitration
in response to any such suit filed by you.
(c) However, neither party may invoke DOAH before the time set forth in section 627.70131
Florida Statutes for making a claims decision has expired unless we have already issued a
decision regarding the claim prior to the running of the statutory time period.
(2) Neither party may demand resolution before DOAH for any claim for"sinkhole loss."
(3) If Alternative Dispute Resolution, Appraisal paragraph 2.b. is agreed to in writing by you and us,
then neither party may demand resolution before DOAH except as provided herein.
If for any reason a post-appraisal dispute occurs, then either party may refer that post-appraisal
dispute to DOAH. A post-appraisal dispute means any disagreement between you and us
regarding the payment of an appraisal award made by us at the conclusion of the appraisal
process.
CIT DOAH 03 15 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 6
with its permission
COMMERCIAL
CIT DOAH 03 15 12 25
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
(4) If DOAH under this provision is elected by you or us, then neither party may demand resolution
under Alternative Dispute Resolution, paragraph 2.b.Appraisal.
(5) Participation in Mediation in accordance with the rules established by the Florida Department of
Financial Services shall not affect the right of either party to demand resolution of the dispute
before DOAH unless the matter settles in Mediation. Mediation is Alternative Dispute Resolution,
Condition 2.a.
(6) A party wishing to invoke DOAH shall promptly file and serve a request with DOAH for a hearing.
The hearing request form may be found at https://www.doah.state.fl.us/. The request shall
specify the amount of damages in dispute (if known), the relevant policy provisions, and the
nature of the claim dispute.
(a) We shall be served by email to doah.reguests(@citizensfla.com by DOAH itself.
(b) You or your counsel shall be served by email, or by certified or registered mail, return receipt
requested and obtained, to the last mailing address as provided in the policy or the address
listed for the attorney with The Florida Bar.
(c) If a party to be served is a limited liability company, corporation, or other entity, the registered
agent for service of process listed in that entity's filing in https://dos.fl.gov/sunbiz/search/may
be served.
(7) Except as set forth in this paragraph (7), no response to the hearing request shall be filed.
(a) After a hearing request is made by either party, the party seeking damages shall be served
with and shall complete a document requiring that party to itemize all damages to be claimed
and presented at the DOAH hearing.
(b) The itemization of damages must be sufficient to allow for a full and complete evaluation of
the loss being presented.
(c) For the purposes of this endorsement, itemize, or itemization means the breaking down of
prices and services to their smallest possible constituent parts to allow an opportunity for a
full review of all services and all unit pricing being sought before and to be presented to
DOAH. This may require the setting out of costs on a per room, per building unit, or per
product basis, and providing all quantities of goods and services and square footage
measurements involved where appropriate.
(d) The itemization shall include specific descriptions of each item of damaged property, the
extent of the damage and the estimated cost to repair or replace it. The cost to repair and
replace the damaged property must also include the equipment, materials, and supplies
needed to complete any repairs or mitigation being sought, as well the number of labor hours
necessary to complete the repairs or mitigation procedures.
(8) If damages are being claimed for multi-unit building complexes, the actual itemized damage
claimed for each building unit of each building must be provided. An estimate may be provided
with or presented in lieu of any other form of itemization. If an estimate is used it must be written
utilizing an electronic estimating program.
(a) The electronic estimating program must provide a report with an itemized, per unit-cost
estimate of damage to the property, including itemized information on equipment, materials,
labor, and supplies.
(b) The electronic estimating program must apply price data that consists of unit-cost
breakdowns consistent with those that may be expected from a contractor or repair company
in the relevant geographic market area. The pricing presented must be consistent with the
Valuation Condition set forth in policy to which this Endorsement is attached.
CIT DOAH 03 15 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 2 of 6
with its permission
COMMERCIAL
CIT DOAH 03 15 12 25
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
(c) No modification to pricing, except as required by the Valuation Condition, or any other
program input or output should occur unless the party presenting the estimate can
demonstrate with additional documentation that modification is required to produce an
accurate estimate and that each and every modification applies proper valuation within the
relevant geographic market area for the equipment, materials, labor, and supplies necessary
to complete the covered repairs.
(d) A variation report or other similar report showing whether and to what extent the program
was modified must be provided if applicable and additional documentation to support any
modification to the input or output of the electronic estimating program must be provided and
sufficiently detailed to ensure that each and every modification is required and applies current
market prices.
(e) A spreadsheet containing general categories and bulk pricing shall not be sufficient to meet
the itemization requirement under this endorsement. Motions regarding the sufficiency of the
itemization may be made and the presiding ALJ shall have authority to enter orders requiring
the insured to amend any insufficiencies found in the itemization. Failure to provide an
appropriate itemization may result in damages being stricken with prejudice by the ALJ.
(f) Either party may also make a motion to add to the arbitration, a party that qualifies as an
insured under the policy at issue. Such a motion shall be filed promptly after the matter is
referred to DOAH and the ALJ shall rule on the motion as soon as practicable thereafter
entering an order explaining the rationale for the ruling made.The motion to add an interested
party shall be the sole motion allowed related to the original hearing request.
(9) If an NOI seeks the recovery of damages not previously presented to Citizens during the claims
adjusting process, Citizens may file a motion to stay the DOAH proceeding to investigate,assess,
and, if appropriate, pay or settle the new damages claimed.
Upon a showing that previously unclaimed damages are being sought, the ALJ shall enter an
order granting Citizens 60 calendar days to examine all damages claimed, including the right to
re-inspect the property prior to commencing the DOAH hearing process. The ALJ shall have
authority to hear disputes during the investigative process and to issue orders resolving such
disputes as well as any other order facilitating and controlling the investigative process.
(a) To aid in completing its investigation of the newly presented damages Citizens may conduct
Discovery as described in paragraph (11) below. In entering the order granting the 60 day
investigation period, the ALJ shall set time limits for the Discovery process that requires the
receipt of discovery responses in time to allow Citizens to review and evaluate the responses
within the 60 day period.
(b) The insured and anyone acting on the insureds behalf shall facilitate our investigation of the
newly presented damages and shall aid in distinguishing covered damage from non-covered
damage.
(c) Should the insured or anyone acting on behalf of the insured fail to facilitate the completion
of the investigation of new damages such that the investigation cannot be completed in 60
days, the ALJ shall strike the newly claimed damages with prejudice and the insured shall
not be allowed to pursue those newly claimed damages.
In any case, the insured shall not be allowed to present damages not claimed in the NOI and
damages recovered by the insured in the final DOAH hearing, if any, shall be limited to those
damages claimed in the NOI and proven at the DOAH hearing, less amounts that may be
stricken with prejudice as prescribed in this paragraph.
(d) If the investigation of the newly claimed damages is not completed for reasons other than
those described in paragraph (c) above the ALJ may on motion of either party grant an
additional 15 days to complete the investigation of the newly claimed damages.
CIT DOAH 03 15 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 6
with its permission
COMMERCIAL
CIT DOAH 03 15 12 25
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
(e) If the investigation is not completed in those additional 15 days, the insured may present the
additional damages claimed in the DOAH hearing subject to the terms of this endorsement
but those damages must be proven by you through competent evidence presented at the
DOAH hearing.
(f) By the 61 st day or the 16th day after the fifteen day extension, Citizens shall file and serve a
brief report with the ALJ and insured regarding the findings of its completed investigation.
The purposes of this report is to inform the ALJ and the insured of Citizens' position on the
newly claimed damages. Citizens may accept or reject the newly presented damages in
whole or in part and make any appropriate payment or settlement based on its complete or
partial acceptance of the damages.
(g) If Citizens rejects the newly claim damages after the completion of its investigation, the
insured may nonetheless present the newly claimed damages at the final DOAH hearing
subject to the terms of this endorsement.
(h) The insured shall bear the same burden of proof on those damages as it does on any other
damages presented in the insured's NOI.
(i) On the day following receipt of Citizens' report on its investigation, the ALJ shall issue the
pre-hearing order commencing the formal DOAH process.
(10) The arbitration shall determine all disputes regarding, arising out of, or relating to, the claim
dispute, including but not limited to the determination of coverage, policy exclusions and
limitations, all defenses raised on the claim, and the amounts of policy benefits payable.
The arbitration's resolution shall be valid, final, and binding on the parties. The arbitration award
shall not itself be subject to appeal but is subject to the provisions of the Revised Florida
Arbitration Code.
Any arbitration proceedings shall be considered as having been held in Leon County, Florida for
purposes of Section 682.19, Florida Statutes.
(11) Discovery and the conduct of the final hearing shall be governed by the Florida Rules of Civil
Procedure and the Florida Evidence Code, except as may be modified by the ALJ, including
those provisions allowing the imposition of sanctions, other than contempt.
The ALJ may issue any orders necessary to effectuate discovery, to prevent delay, and to
promote the just, speedy, and inexpensive resolution of all aspects of the dispute.
In addition to the Florida Rules of Civil Procedure regarding discovery, Florida Rule of Civil
Procedure 1.510 regarding Summary Judgment,as modified herein,shall also apply to the DOAH
proceeding.
(a) Any party may file a motion for summary judgment, or partial summary judgment, after the
expiration of 20 days from either the referral of the matter to DOAH or 20 days after the
conclusion of an investigatory period granted to Citizens under paragraph (9) above.
(b) There shall be a memorandum in support of the motion and the opposing party may file a
memorandum in response to the motion but no reply or sur-reply may be filed without leave
of the ALJ as requested in a motion filed by the party seeking to file the reply or sur-reply.
(c) The ALJ may modify the timing of the filing of a motion for summary judgment or partial
summary judgment and set a cutoff date for filing such motions in a pre-hearing order.
(d) The ALJ may decide a motion for summary judgment or partial summary judgment on the
pleadings or may order that a hearing be held prior to deciding the motion.
(e) The ALJ shall decide all motions for summary judgment or partial summary judgment no later
than 20 days prior to final hearing on the matter at issue.
(f) The parties shall have a period of not less than 200 nor more than 250 days from the initiation
of the DOAH proceeding or the conclusion of the investigative period under paragraph (9)
above to complete discovery as set out in the ALJ's prehearing order. This period of time
may be extended for good cause shown as reflected in a detailed order by the ALJ.
CIT DOAH 03 15 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 4 of 6
with its permission
COMMERCIAL
CIT DOAH 03 15 12 25
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
(12) If the parties agree, they may file a joint stipulation that discovery is complete at any time during
the discovery process after which the ALJ may schedule the final hearing of the matter.
If the parties do not file a prior stipulation, at the conclusion of the discovery period set forth in
the ALJ's prehearing order, either party may move that the final hearing be scheduled.
(a) A party objecting to the setting of the final hearing must file a written objection to the
scheduling of the hearing no later than 5 days after the motion to set the hearing is filed.
(b) If the ALJ extends the discovery deadline,the reasons therefor must be specified in a detailed
order by the ALJ.
(c) The final hearing shall be held not sooner than 75 days nor later than 100 days from the date
of the stipulation of completed discovery, or the motion for final hearing or the end of any
extension of the discovery period as ordered by the ALJ. The time within which to hold the
hearing may only be extended for good cause shown by a detailed written order from the
ALJ.
(13) Within 30 days after the hearing, unless the time is extended for good cause shown by a detailed
written order from the ALJ, the ALJ shall render an arbitration award.
(a) As part of the disposition of the claim, the arbitration award shall specify whether the loss or
any part of the loss is covered by the policy; the policy provisions providing for or justifying
the denial of coverage for the loss or any part of it; and the amount of policy benefits payable,
if any, for any covered portions of the loss.
(b) The amount of policy benefits payable, if any, shall take into account any prior payments by
us as well as the application of any relevant deductible, policy limits, special limits, or sub-
limits.
(c) The arbitration award shall also take into account that Florida law does not permit any
assignment of policy benefits, any award of attorney's fees to the prevailing party, any award
for extracontractual or consequential damages, or any damages based on alleged bad faith
or violation of Section 624.155, Florida Statutes.
(14) The ALJ may correct any clerical mistakes in an arbitration award and errors therein arising from
oversight or omission within 25 days from the award's issuance. Any motion seeking to modify
or correct an arbitration award by you or us must be filed not later than 30 days after the issuance
of the award. Within 10 days after the service of a timely filed motion, the opposing party or
parties may file a response to the motion.
The ALJ shall modify or correct an arbitration award if:
(a) There is an evident miscalculation of figures or an evident mistake in the description of any
person, thing or property referred to in the award;
(b) It includes an award on a matter not submitted in the arbitration and the award may be
corrected without affecting the merits of the decision upon the issues submitted; or
(c) It is imperfect as a matter of form, not affecting the merits of the controversy.
(15) Any arbitration proceedings are subject to Sections 57.105 and 768.79, Florida Statutes as if filed
in the courts of this state and are not considered a Chapter 120 administrative proceeding.
(a) Any party seeking an award of attorney's fees or other relief pursuant to ss. 57.105 or 768.79
must file a verified motion within 30 days after receipt of the arbitration award.
(b) The verified motion shall include a statement of the facts relied on in support of the motion,
the statutory basis relied upon, a detailed chronological listing of all time devoted to the
dispute for which attorney's fees or other relief is sought, and a detailed list of any taxable
costs sought. A party may establish the reasonableness of the fee sought to be awarded
based upon an affidavit of an attorney fee expert in lieu of live expert testimony.
(c) Within 15 days after the service of a timely filed motion,the opposing party may file a verified
response to the motion, which must include a detailed recitation of all matters that are
disputed.
CIT DOAH 03 15 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 5 of 6
with its permission
COMMERCIAL
CIT DOAH 03 15 12 25
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
(d) The failure to file a timely and specific verified response detailing matters that are disputed
shall, absent good cause shown, result in acceptance of the allegations in the fee motion as
true.
(e) The ALJ will promptly schedule an evidentiary hearing to resolve any matters that remain in
dispute after the filing of the verified response. If the ALJ determines that a party is entitled
to recover attorney's fees or other relief pursuant to ss. 57.105 or 768.79,the ALJ shall,within
30 days from the evidentiary hearing, issue an amended arbitration award setting forth the
statutory basis for the award of fees or other relief as well as the amount owed.
(16) This condition does not apply if the Policy has been assumed on or before the date of loss by an
authorized insurer offering to cover the property described in the Declarations, at approved rates.
If, however, DOAH was invoked prior to the policy's being taken out,the claims dispute will remain
before DOAH until its final resolution.
All other provisions of this Policy apply.
CIT DOAH 03 15 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 6 of 6
with its permission
COMMERCIAL PROPERTY
CIT W10 10 12 25
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
a. Frost or cold weather; respond to, or assess the effects of
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 apply whether or 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 5 Settling, cracking, shrinking, bulging,
property, including the cost of removing ( )
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/or
with an ordinance or law in the course of vibrations, carried through the air and/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 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 5
with its permission
(8) Pile driving, including shockwaves and/or (3) Insurrection, rebellion, revolution,
vibrations, carried through the air and/or 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 If. 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 12 25
with its permission
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 if 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
professionals including, but not limited to
This exclusion does not apply to the amount 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 any of the inception of this policy or occurring
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 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 5
with its permission
(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.
However, under this Exclusion u. any bb. We do not insure for loss to Covered
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:
(1) Electrical or electronic wire, device, (b) Design, specifications,
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 12 25
with its permission
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 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 5 of 5
with its permission
Commercial
CIT W02 55 12 25
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 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 4
with its permission.
(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 12 25
with its permission
The percentage of the total premium c. For all other nonrenewals, 120 days prior to
returned is determined as follows: the expiration of the policy.
Number of Days Percentage of 2. Any notice of nonrenewal will be delivered to the
Policy Is In Force Premium Returned first Named Insured, mailed to the first Named
1 to 180 20% Insured at the mailing address shown in the
Declarations, or "electronically transmitted" to
181 to 210 15% the first Named Insured.
211 to 240 10% If notice is mailed or"electronically transmitted",
241 to 270 7.5% proof of mailing or "electronic transmittal" is
sufficient proof of notice.
271 to 300 5.0% 3. We may refuse to renew this policy if we, or the
301 to 330 2.5% Florida Market Assistance Program (FMAP),
331 to 365 0.0% obtain an offer, from an authorized insurer, to
cover the property described in the
If the return premium is not refunded with the Declarations, at approved rates.
notice of cancellation or when this policy is
returned to us, we will mail or with your written This policy may be replaced by a policy that
approval electronically transfer the refund within may not provide coverage identical to the
15 working days, either after the date coverage provided by Citizens.
cancellation takes effect, or after our receipt of Acceptance of Citizens coverage by the first
your request to cancel the policy, whichever is Named Insured creates a conclusive
later. presumption that the insured is aware of this
The cancellation will be effective even if we potential.
have not made or offered a refund. 4. We may not refuse to renew this policy:
E. The following is added: a. On the basis of property insurance claims
NONRENEWAL that are the result of an act of God, unless
we can demonstrate, by claims frequency or
1. If we do not renew this policy we will deliver to otherwise,that you have failed to take action
the first Named Insured, mail to the first Named reasonably necessary as requested by us to
Insured at the mailing address shown in the prevent recurrence of damage to the insured
Declarations, or "electronically transmit" to the property; or
first Named Insured, written notice,
accompanied by the specific reason for b. Solely on the basis of a single property
nonrenewal, at least: insurance claim which is the result of water
a. 45 days prior to the expiration of the policy if damage, unless we can demonstrate that
you have failed to take action reasonably
this policy does not cover a residential requested by us to prevent a future similar
structure or residential property; or occurrence of damage to the insured
b. 45 days prior to the expiration of the policy if: property.
(1) This policy covers a residential structure F. Limitations On Cancellation And Nonrenewal
or residential property and nonrenewal is In The Event Of Hurricane Or Wind Loss—
for a policy that has been assumed by an Residential Property
authorized insurer, offering replacement 1. The following provisions apply to a policy
or renewal coverage to you; or covering a residential structure or residential
(2) This policy covers a residential structure property:
or residential property,and nonrenewal is a. We may not cancel or nonrenew this Policy:
for a risk that has received an offer of
coverage, from an authorized insurer, (1) For a period of 90 days after the covered
pursuant to Citizens' policyholder residential structure or covered
eligibility clearinghouse program. residential property has been repaired, if
such property which has been damaged
If we nonrenew a policy pursuant to 1.b.(1) as a result of a "hurricane" or wind loss
or 1.b.(2) above, we will also notify any that is the subject of the declaration of
additional named insured shown in the emergency pursuant to Section 252.36
Policy Interest Schedule of your Florida statutes, and the filing of an order
Declarations at their mailing address shown by the Commissioner of Insurance
in the Schedule. Regulation.
CIT W02 55 12 25 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 4
with its permission
(2) Until the earlier of when the covered
residential structure or covered
residential property has been repaired or
1 year after we issue the final claim
payment, if such property was damaged
by any covered peril and a.(1) above
does not apply.
A structure is deemed to be repaired when
substantially completed and restored to the
extent it is insurable by another authorized
insurer writing policies in Florida.
If we elect to not renew the policy under 1.a.
above, we will provide at least 90 days'
notice that we intend to nonrenew 90 days
after the repairs are complete.
b. We may cancel or nonrenew the policy prior
to the repair of the residential structure or
residential property for any of the following
reasons:
(1) Nonpayment of premium;
(2) Material misstatement or fraud related to
the claim;
(3) We determine that you have
unreasonably caused a delay in the
repair of the residential structure or
residential property; or
(4) We have paid the policy limits.
If we cancel or nonrenew for nonpayment of
premium, we will give you 10 days' notice. If
we cancel or nonrenew for a reason listed in
Paragraph b.(2), b.(3) or b.(4), we will give
you 45 days' notice.
2. With respect to a policy covering a residential
structure or residential property, any
cancellation or nonrenewal that would otherwise
take effect during the duration of a "hurricane"
will not take effect until the end of the duration
of such"hurricane", unless a replacement policy
has been obtained and is in effect for a claim
occurring during the duration of the "hurricane".
We shall be entitled to collect premium for the
period of time the policy remains in effect.
Page 4 of 4 Includes copyrighted material of Insurance Services Office, Inc., CIT W02 55 12 25
with its permission
COMMERCIAL PROPERTY
CIT CNRW 01 25 12 25 R
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 sustainedloss or damage.
pay your expense to remove debris of
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 12 25 R Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 12
with its permission
COMMERCIAL PROPERTY
CIT CNRW 01 25 12 25 R
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 9 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 12 25 R
with its permission
COMMERCIAL PROPERTY
CIT CNRW 01 25 12 25 R
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. C. 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 12 25 R Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 12
with its permission
COMMERCIAL PROPERTY
CIT CNRW 01 25 12 25 R
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 two appraisers cannot agree upon
appraisal in writing and shall include an an umpire within 15 days, you or we may
estimate of the amount of any dispute request that the choice be made before
that results from the Covered Cause of the State of Florida Division of
Loss. Administrative Hearings (DOAH) by an
(2) The estimates in b.(1) above shall Administrative Law Judge. The party
include a description of each item of seeking appointment of an umpire must
damaged property in dispute as a result file an umpire appointment request form
of the covered loss, along with the extent with DOAH which may be found at
of damage and the estimated amount to https://www.doah.state.fl.us.
repair or replace each item. If for any reason within 15 days of the
(3) Upon commencement of the Appraisal request, DOAH declines to make the
process each party will choose a selection of an umpire, you or we may
competent appraiser within 20 days from request that a judge of a court of record
the date of commencement. located in the county corresponding to
the applicable LOCATION NO. and its
DESCRIPTION OF PREMISES address
shown in the Declarations choose the
umpire.
Page 4 of 12 Includes copyrighted material of Insurance Services Office, Inc., CIT CNRW 01 25 12 25 R
with its permission
COMMERCIAL PROPERTY
CIT CNRW 01 25 12 25 R
DOAH umpire selection does not apply (12) If, however, we requested the mediation
after an authorized insurer assumes the in 2.a. above and either party rejects the
Policy. mediation results, you are not required to
(7) The two appraisers will submit their submit to, or participate in, any appraisal
differences to the umpire. A decision of the loss as a precondition to action
agreed to by any two will set the amount against us for failure to pay the loss.
of the loss. (13) If, however, you or any party other than
(8) The appraisal award will be in writing, us requested the mediation in 2.a.above,
must be provided in a form approved by we may still demand appraisal.
us, and must be signed by either: Q. Loss Condition E.3. Duties In The Event Of Loss
(a) The two appraisers who have agreed Or Damage is deleted and replaced by the
in setting the amount of loss; or following:
(b) The umpire and the appraiser who (This is Loss Condition EA. in form CP 00 18)
has agreed with the umpire in setting 3. Duties In The Event Of Loss Or Damage
the amount of loss. a. In case of a loss to covered property, we
The appraisal award shall include the have no duty to provide coverage under this
following: Policy, if there is failure to comply with any
(a) A detailed list, including the amount to of the following duties.
repair or replace,of each specific item These duties must be performed either by
included in the award from the you, any other insured seeking coverage, or
appraisal findings; by a representative of either.
(b) The agreed amount of each item, its (1) Give us prompt notice of the loss or
replacement cost value and damage. Include a description of the
corresponding actual cash value; property involved.
(c) Provisions relevant to the umpire's (2) As soon as possible, give us or any
agreement to act in accordance with person authorized to act on our behalf a
the Policy provisions; and description of how, when and where the
(d) A statement of "This award is made loss or damage occurred.
subject to the terms and conditions of (3) Take reasonable emergency measures
the policy." to protect the Covered Property from
(9) Each party will: further damage, as provided under
Additional Coverages 4.g. Reasonable
(a) Pay its own appraiser, including their Emergency Measures To Protect The
costs associated with producing the Property. Keep a record of your
estimate described in b.(1) above; expenses necessary to protect the
and Covered Property, for consideration in
(b) Pay the reasonable fees and the the settlement of the claim.
reasonable expenses of the appraisal This will not increase the Limit of
and umpire equally. Insurance.
(10) The Appraisal Award shall not include However, we will not pay for any
any permanent repairs completed prior to subsequent loss or damage resulting
our Appraisal inspection and we shall not from a cause of loss that is not a Covered
be responsible for payment of any such Cause of Loss.
repairs as part of an Appraisal Award.
11 You, we, the appraisers and the umpire To the degree reasonably possible,
( ) pp p damaged property and any other
shall be given reasonable and timely property that is related to the loss,
access to inspect the damaged property, whether the property is covered or not,
in accordance with the terms of the must be retained for us or any person
policy. authorized to act on our behalf, to
inspect.
CIT CNRW 01 25 12 25 R Includes copyrighted material of Insurance Services Office, Inc., Page 5 of 12
with its permission
COMMERCIAL PROPERTY
CIT CNRW 01 25 12 25 R
(4) Keep an accurate record of expenses. (8) Produce any updates to the documents
(5) Within 14 days after the discovery of the and information in a.(1) through a.(7)
loss, or earlier if reasonably possible, above, including revised descriptions of
notify the police if a law may have been loss, scope of loss, estimates or other
broken and provide us a copy of the supporting information:
police report. (a) As this information becomes
(6) Send to us, within 30 days after our available, and if additional loss or
request, a signed, sworn statement in a damage is discovered or incurred;
Proof of Loss form provided by us and and
completed in its entirety,which sets forth, (b) If you are provided with new
to the best of your knowledge and belief: estimates or invoices regarding the
(a) The description of the loss, including losses submitted or not submitted in
the date and time of the loss, the the proof of loss.
cause of the loss,a description of how (9) Cooperate with us or any person
the loss occurred, when the loss was authorized to act on our behalf, in the
discovered, and who discovered the investigation or settlement of the claim.
loss; This includes speaking and sharing
(b) The names of all persons who resided information with us or any person
at the insured location at the time of authorized to act on our behalf, and
loss; providing documents which can be
(c) The interests of all insureds and all reasonably obtained by you, to facilitate
others in the property involved and all our investigation of the claim.
liens on the property; When requested, this includes providing
(d) Other insurance which may cover the us with a copy of all minutes, associated
loss; notes, rules and regulations and exhibits,
created or developed at or as a result of
(e) Changes in title or occupancy of the meetings of the insured's governing
property during the term of the policy; board and its committees.
and
A representative of an insured:
(f) Specifications of the damage to the
building, including: (a) Must cooperate with our
investigation;
(i) Detailed descriptions of the
damage to the property; (b) Must not act in any manner that
prevents us or any person acting on
(ii) Repair estimates which show the our behalf, from investigating the
extent of damage to each item or claim; and
property;
(c) May not act in any manner to obstruct
(iii) Estimated amount(s) to repair or our investigation.
replace each item of property;
and (10) As often as we reasonably require, allow
us or any person authorized to act on our
(iv) Amount(s) of payment made for behalf:
any temporary or permanent
repairs. (a) Access to the location insured;
Photographs, videos and any other (b) To inspect the location insured,and to
supporting documentation that exists inspect subject to a.(17), a.(18) and
should be included to the extent it is a.(19) below all damaged property
reasonable and practical to obtain. and any other property that is related
to the loss, whether the property is
(7) The inventory of damaged Business covered or not, prior to its removal
Personal Property described in a.(14) from the insured location;
below.
(c) Examine your books and records;and
Page 6 of 12 Includes copyrighted material of Insurance Services Office, Inc., CIT CNRW 01 25 12 25 R
with its permission
COMMERCIAL PROPERTY
CIT CNRW 01 25 12 25 R
(d) To require an insured or their (18) To the degree reasonably possible, prior
representative, or both if reasonably to materially altering, destroying,
possible, to be present at our trenching or excavating any part of the
inspection and to assist in identifying property or structure insured, allow us or
the damaged property during the any person authorized to act on our
inspection. behalf, the opportunity to inspect the
At our request, identify the person or property.
persons with knowledge of how the loss (19) To the degree reasonably possible, you
occurred and the extent of damage. must permit us or any person authorized
(11) At our request, identify all person(s)with to act on our behalf, to take samples of
knowledge of the facts of the loss. the damaged and undamaged property
for inspection, testing and analysis and
(12) Execute all work authorizations and allow permit us or any person acting on our
contractors and related parties entry to behalf, to make copies from your books
the property. and records.
(13) Keep an accurate record of repair (20) As often as we or any person authorized
expenses. to act on our behalf reasonably require:
(14) At our request, give us or any person (a) You or any insured;
authorized to act on our behalf, complete
inventories of the damaged and (b) Any member, officer, director, partner
undamaged property. Include or similar representative of the
descriptions, quantities, costs, values association, corporation or other
and amount of loss claimed. entity, if you are the association,
corporation or other entity, who is an
Attach all bills, receipts and related insured; and
documents that justify the figures in the
inventory. (c) Any agent or representative,
including any public adjuster,
(15) As often as we or any person authorized engaged on behalf of you or any
to act on our behalf, reasonably require: insured, or any member, officer,
(a) Show the damaged property retained director, partner or similar
as required by this policy; and representative of an association,
(b) Provide requested records and corporation, or other entity, described
documents, including all updates to in (20)(b) above;
the revised documentation, and must:
permit us or any person authorized to (a) Submit to examinations under oath
act on our behalf, to make copies. and recorded statements, at the
(16) Cooperate in obtaining and executing location insured or other reasonable
any necessary municipal, county or other location designated by us,while not in
governmental documentation or permits the presence of each other or any
for repairs to be made and any necessary other insured;
work authorizations, as required by these (b) Provide government issued photo
entities. identification. If you do not possess
(17) To the degree reasonably possible, government issued photo
retain the damaged property and any identification, a signed sworn
photographs and videos of the damaged statement identifying who you are
property. may be accepted; and
Allow us or any person authorized to act (c) Sign any transcript of the
on our behalf, to inspect the retained examinations under oath and
property and make copies of the recorded statements.
photographs and videos. Such examinations and recorded
statements must be either in-person or
utilize video and audio technology, or
both, as determined by us; and
CIT CNRW 01 25 12 25 R Includes copyrighted material of Insurance Services Office, Inc., Page 7 of 12
with its permission
COMMERCIAL PROPERTY
CIT CNRW 01 25 12 25 R
Such examinations and recorded (c) A claim for contents coverage under
statements may be about any matter a tenant's policy if the rented
relating to this insurance or the claim, premises are 10,000 square feet or
including an insured's books and less and the policy covers only
records. locations in Florida.
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 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
10,000 square feet or less and the
policy covers only locations in Florida;
or
Page 8 of 12 Includes copyrighted material of Insurance Services Office, Inc., CIT CNRW 01 25 12 25 R
with its permission
COMMERCIAL PROPERTY
CIT CNRW 01 25 12 25 R
X. The following is added to the Loss Payment CC.In the Loss Conditions, the following is added:
Condition: Notice
In case of loss to a pair, set or panels, we may A company employee adjuster, independent
elect to: adjuster, attorney, investigator, or other persons
(1) Repair or replace any part to restore the acting on behalf of us that needs access to an
pair, set or panel to its value before the insured or the claimant or to the insured property
loss; that is the subject of a claim must provide at least
(2) Pay the difference between the actual 48 hours' notice to the insured or the claimant,
cash value of the property before and public adjuster, or legal representative before
after the loss; or scheduling a meeting with the claimant or an onsite
inspection of the insured property.
(3) Pay in any loss involving part of a series of pieces or panels: The insured or the claimant may deny access to the
property if notice has not been provided. The
(a) The reasonable cost of repairing or insured or the claimant may waive the 48-hour
replacing the damaged part to match notice.
the remainder as closely as possible; DD.In the Loss Conditions, the following is added:
or
(b) The reasonable cost of providing an Claim, Supplemental Claim, Or Reopened Claim
acceptable decorative effect or a. A claim or reopened claim is barred unless
utilization as circumstances may notice of the claim is given to us in accordance
warrant. with the terms of the Policy within 1 year after
However, we do not guarantee the availability the date of loss.
of replacements, and we will not be liable, in A reopened claim means a claim that we have
the event of damage to or loss of a part, for the previously closed, but that has been reopened
value, repair or replacement of the entire upon an insured's request for additional costs
series of pieces or panels. for loss or damage previously disclosed to us.
Y. The Loss Condition Vacancy, paragraph 6. in form b. A supplemental claim is barred unless notice of
CP 00 10 and paragraph 7. in forms CP 00 17 and the supplemental claim is given to us in
CP 00 18, is deleted in its entirety. accordance with the terms of the Policy within
18 months after the date of loss.
Z. The following is added to the Loss Condition
Valuation: A supplemental claim means a claim for
additional loss or damage from the same peril
Throughout this policy, when determining the which we have previously adjusted or for which
actual cash value of the loss, the costs costs have been incurred while completing
necessary to repair, rebuild or replace the repairs or replacement pursuant to an open
covered damaged property may be claim for which timely notice was previously
depreciated. Such costs subject to provided to us.
depreciation may include, but are not limited
to, goods, materials, equipment, labor, c. For claims resulting from "hurricane(s)",
overhead and profit, taxes, fees or similar tornadoes, windstorms, severe rain, or other
charges. weather-related events, the date of loss is the
date that the "hurricane" made landfall or the
AA.In forms CP 00 17, Loss Condition Valuation, tornado, windstorm, severe rain, or other
paragraph 8.d. is added: weather-related event is verified by the National
d. "Stock"you have sold but not yet delivered at Oceanic and Atmospheric Administration.
the selling price less discounts and expenses This provision concerning time for submission of
you otherwise would have had. claim, supplemental claim or reopened claim does
BB.In the Loss Conditions, the following is added: not affect any limitation for legal action against us
Salvage as provided in this Policy under the Legal Action
Against Us Condition, including any amendment to
We may permit you to keep damaged insured that condition.
property after a loss. If we permit you to keep
damaged insured property, we will reduce the
amount of loss proceeds payable to you under the
policy by the value of the salvage.
CIT CNRW 01 25 12 25 R Includes copyrighted material of Insurance Services Office, Inc., Page 9 of 12
with its permission
COMMERCIAL PROPERTY
CIT CNRW 01 25 12 25 R
EE.In forms CP 00 10 and CP 0017, Additional b. The electronic posting of any document or
Condition Mortgage holders, 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 storm system that has been
If this policy is a renewal with us, the Limit of declared to be a hurricane by the National Hurricane
Insurance for your Covered Property may be Center of the National Weather Service. The
adjusted. duration of the "hurricane" includes the time period,
Any change in the Limit of Insurance does not, in 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 Weather
Service.
property; or
(2) All of your business personal property. JJ.In Form CP 00 17, the following definition is added
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 12 25 R
with its permission
COMMERCIAL PROPERTY
CIT CNRW 01 25 12 25 R
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
3. Recordings Policy to you or any insureds who,
g 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
Renewal Notification agent or representative of you, any
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 12 25 R Includes copyrighted material of Insurance Services Office, Inc., Page 11 of 12
with its permission
COMMERCIAL PROPERTY
CIT CNRW 01 25 12 25 R
OO.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".
PP.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 12 25 R
with its permission
POLICY NUMBER: COMMERCIAL PROPERTY
CIT W14 20 12 25 R
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;
c. Credit cards, debit cards, electronic fund (b) Hold for sale, only as "stock".
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
flight;
value cards, gift cards, smart cards;
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 12 25 R Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 3
with its permission
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
i. 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 It. 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 12 25 R
Inc., with its permission
v. Bridges, boardwalks, trestles, catwalks, We do cover the following property if, and only
dune walks, ramps, roadways, walks, decks if, it is described as separate and specific item(s)
and patios and similar structures, or other in the Declarations and a Limit of Insurance is
paved or graveled surfaces, whether or not shown in the Declarations for each of such
attached to the building; items:
w. Amusement equipment; a. Any structure, whether attached or separate
x. Fabric windscreens on fences; from the covered building, where that
structure's roof or wall covering is of screen;
y. Any structure or attachment, whether b. Fences, property walls and similar
attached or separate from the covered structures separating parcels of land;
building, where that structure's roof or
exterior wall coverings are of screen, fabric, c. Greenhouses, glasshouses, hothouses,
thatch, lattice, or slats and similar material, open-sided sheds, carports, cabanas,
and personal property contained within or on swimming pools, jacuzzis, hot tubs, or
these structures; similar structures, including their decking,
z. Slat houses, chickees, tiki huts, gazebos but not:
and pergolas or similar structures and (1) Business Personal Property or
personal property contained within, or on contents contained within or on these
these structures; structures; or
aa. Signs, radio or television antennas or (2) When these structures are comprised
aerials, satellite dishes (including lead-in of screening, fabric, thatch, lattice,
wiring, masts or towers and their supports), slats or similar material;
and utility poles including light fixtures. d. Enclosed garages, enclosed tool sheds,
However, we do cover solar paneling and enclosed sheds, enclosed pump houses,
other similar water heating or electrical enclosed boiler sheds, enclosed pool
apparatus when: houses, enclosed air conditioning sheds,
(1) Outside the building (including lead-in enclosed guard houses, enclosed
pipes, wiring, masts or tower and their workshops, enclosed maintenance sheds
supports); and the Business Personal Property or
contents contained within or on the
(2) Permanently installed; structures;
(3) Located on the described premises; e. Any structure, including the contents and
and Business Personal Property contained
(4) Used for the service of the Covered within or on the structure, that is located in
Property; whole or in part over water;
bb. Travel trailers and similar structures and f. Mobile and manufactured homes and
conveyances, (including Business Personal buildings (including Business Personal
Property contained in or on or pertaining to, Property contained in or on or pertaining to,
these structures or conveyances); or these structures or conveyances).
cc. Land, including land on which the other However, we do not cover Business Personal
structures are located. Property or contents of any structure or other
property regardless of whether it is described as
separate and specific item(s) in the Declarations
and a Limit of Insurance is shown in the
Declarations, when:
a. Such structure is comprised of screen,
fabric, thatch, lattice, slats or similar
material; or
b. Not covered, as explained in other sections
of this policy.
CIT W14 20 12 25 R Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 3
with its permission