PLANSLAW OFFICES
STARR W. HORTON
502 INDUSTRIAL NATL. SANK BLDG.
25 W. FLAGLER STREET
MIAMI 32, FLORIDA
JUI M
1962
Mr. Charles H. Markel
Director of Building & Zoning
Village of Miami Shores
10050 N. E. 2nd Avenue
MIAMI 38, FLORIDA
Coverages
Limit of Liability
V1 W V
A. Dwelling
$ 35,000.00
$ 3,500.00
$ 14,00Q. 00
B. Appurtenant Private Structures
C. Unscheduled Personal Property
D. Additional Living Expense
$ 1,000.00
Credit, if any, for
existin insurance
N W L) =
E. Comprehensive Personal Liability
(Bodily Injury and Property Damage)
$ 25,000. ()each occurrence
F. Medical Payments
$ 3Q0. Q($ach person '
G. Physical Damage to property of others
$ 250. °each occurrence
Subject to the following Forms and Endorsements
MC 3 & 4, NCIIO2, I {050. HH014L.
INSERT NO. AND EDITION DATE
906. 910
Premium
Basic Policy Premium
$ 525.00
Premium for
Scheduled
Property
Additional Premium
$ 86.40
•
Total Policy Premium
$ 611.40
$
Credit, if any, for
existin insurance
$
Net Prepaid Premium
$ 611.40
Total Premium if
paid in installments •
631.78
$
$
Payable:
At Inception
$ 224.18
$
At each subse-
quent anniversary
203. E4
$
$
MEMORANDUM OF INSURANCE
No.H 331 385
NEI/
RENEWAL OF NUMBER
V VA '..i aOAMI itVV..',wJ V `..i'...iI V CONTMV.i
DETROIT, MICHIGAN
(A Stock Insurance Company, Herein Called the Company)
Named Ensured and P.O. Address (No., Street, Town, County, State)
• STARR W. HORTON & CHARLOTTE e, HORTON, HIS WIFE
950 N. H. 95th STREET
MIAMI SHORES, DADE, FLORIDA
Policy
Term: 3 7/23/62 1/23/65
T
Years Inception Expiration
The described premises covered thereunder are located at the, above address, unless otherwise stated therein :` (No., Street, Town, County, State)
Insurance is provided only with respect to those of the following coverages which are indicated by a specific limit of liability applicable thereto.
Business of Named Insured:
Attorney
First Mortgagee:
This CERTIFIES, that policy numbered as above has been issued
9F ASR EAlami Federal Savings & Loan Assooiat
,
Mi am i Florida
*Absence of an entry means "No Exceptions." Agency 61
Countersignature Date
The described dwelling of CBS construction is occupied by not more than two families and not more than two roomers or
boarders per family. X Approved Roof Unapproved Roof Not more than
7 Protection Class 1 Zone
Not more than
N. Y. Fire District
feet from Hydrant
miles from Fire Dept.
Described dwelling is not seasonal and no business pursuits are conducted at the premises thereof; Exceptions if any:*
Legal: Fortions of Sections 5 & 6, TtW. 533,, Range 428, Mimi Shores, Dade County, Florida.
Loss deductible clause No. 1 —Loss by windstorm or hail $ 100. QODeductible applies
Loss deductible clause No. 2 —Loss by other perils $ 50. 00Deductible applies
Special provisions applicable only in States) indicated: Florida and South Carolina — Valuation Clause — $
Southern States: Inside Protected Suburban Area
N. Y. Co- Insurance clause applies: No Yes
Inside City Limits
Section II Only: (a) The described premises are the only premises where the Named Insured or spouse maintains a residence other than business
property and farms. (b) Insured employs not more than two full -time residence employees; Exceptions, if any, to (a) or (b):*
101 S. B. Second Avenue,
Flori
j 2 'lam ��H. /�L g
7/13/62 111UD !e YRQTTERUMPT4—TM Agent
In Consideration of the Provisions and Stipulations Therein or Added Thereto and of a Premium Above Specified (or cified in endorsement
attached thereto), this Company, for the term of years shown above from inception ate shown above (At Noon Stan rd Time) to expiration
date shown above (At Noon Standard Time) at location of property involved, to an amount not exceeding the amounts) above specified, does
insure the Insured named in the declarations above and legal representatives, to the extent of the actual cash value of the property at the time
of loss, but not exceeding the amount which it would cost to repair or replace the property with material of like kind and quality within a
reasonable time after such loss, without allowance for any increased cost of repair or reconstruction by reason of any ordinance or law regulating
construction or repair, and without compensation for loss resulting from interruption of business or manufacture, nor in any event for more than
the interest of the insured, against all DIRECT LOSS BY FIRE, LIGHTNING AND OTHER PERILS INSURED AGAINST IN THE POLICY IN-
CLUDING REMOVAL FROM PREMISES ENDANGERED BY THE PERILS INSURED AGAINST IN THE POLICY, EXCEPT AS THEREINAFTER
PROVIDED, to the property described therein while located or contained as described in the policy, or pro rata for five days at each proper place
to which any of the property shall necessarily be removed for preservation from the perils insured against in the policy, but not elsewhere.
This memorandum is for information only; it is not a contract of insurance but attests that a policy as numbered herein, and as it stands at the date of this
certificate, has been issued by the Company. Said policy is subject to change by endorsement and to assignment and cancellation in accordance with its terms.
ML6102F (4 -61)
I Concealment, Mo mire after policy shall O. void red ha th I or
4
3 trial fact u fultencn ealed f on d misr a m t a e insurance or 5 subject thereof, c or the 1 f the d he n n case
6 of any fraud or false swearing by the insured relating thereto
8 and policy h aU cons c ounh, bills,
9 sedans, deeds, evidences of debt, money w
excepted properly. securit , :less specifically named
0 t hereon securities, bullion or mar•uscriprr.
I Perils not This Company shall not be liable for loss by
2 included. fire or other perils insured against ' that
3 policy caused, directly rectly indirectly, by: (a)
4 enemy attack by armed forces, Incrud'nng action taken by mill-
5 i, naval o r forces n immediately
y
ring an ru to. ;. el
6 impending ed n �
) envy attack; ) (b) . Ic r 7 insur eci 'd
7
ode:iio re) revolution; I civil war; usurped h)
6
order ( any civil �fy except cent destruction e the time
n p
9 f a for the not of preventing spread d of fin, , excluded
del purpose
20 that such Fire did m originate t front any any of the perils le
...sable
21 means to pvnl icy: J) neglect et of f the insured 1 reasonable
22 he se any to the pproperty at t n a aft. • loss, or
property s endangered by fire in I t b prerie
s
24 Ij) n shall all this Company pany be liable (e loss by y theft.
0ihar Insurance. s Other unt insurance insurance W prohibited the
26
may b limited by en.
27 Corssmens attached suspending of
restricting
29 Conditions i a r v
d eds n writing a he e insurance, an shall
30 IN liable far lass occurring added hereto Ale Company a0 nee
31 (al while the hazard is increased by any means within the con -
32 trot or knowledge of the insured: or
33 A) while a described building, whether intended for occupancy
34 by o or tenant, is can unoccupied beyond a period of
35 sixty se c ce ve days; or
36 (el s a result of exp... or re ensue, unless f ire e n ue and an
37 that event fr loss by fire oily,
38 Othr ee.i . Any other peril to be insured against or .-
39 or sablert. o
ec f. i ,
u n e t0 be c ered in this policy
40 s hall be by endorsement i writing hereon or
41 added hereto.
42 Addedpravisiona. The extent of the pplication of insurance
43 under this policy and of the contribution to
4 4 be made by Ihie Company se M loss, and any other
5 v m r agreame not c tent with he provisions of this
46 policy, may be provided or i writmg added hereto, but no
47 vision may be waived except such as by the terms of this poky
48 is subject to change.
49 Waives No permission a(fectrg this t shall
ull
50 provisions, exist o waive' of any provision he valid,
51 added here N unless granted herein w expressed writing
52 ad
52 held d to o provision, stipulation or fonfeiture shall be
53 he this be waived by any requirement proceeding on the part
pang relating to appraisal er any a mnetion
55 provided for herein.
56 Cancel.. This policy shall be canceled at n time
57 of policy. t the request f the insur d, an which ca
58 th Company shall, u on demand and r-
59 render of this policy, refun t a o f paid premium emium above
60 the customary short rates or the excess d time. This pol-
61 y may be cancelled t any by this Company by giving
62 to the insured a five days' written n tice of cancellation with
63 or wd excess hout tender of the exr of paid premium above the pro
64 rata for Ihe expired time, which aces, I nos tan
65 ,ered, shall b b< refunded Erman. Notice of cancellation stall
66 stSte hdcess premium ;i{ not tendered/ will W re-
67 funded on demand.
68 69 Mortgagee a a « d If Ions . to a designate or hereunder is d payable, in a not
6
70 i named herein as the insured, such interest in
71 this policy may be cancelled by piling to such
73 Ilarion. mortgagee a ten days written notice of can -
74 If the insured oils to render proof of In such mortgagee, upon
75 notice, shall render proof of lass the form herein specified
76 within si ty AO/ days thereafter and shall be subject to the pro -
77 visions hereof relating to appraisal and time of payment and of
7B bringing suit. If Mss Company shall claim that no liability ex
79 isted as
of tlothe t mo amor or aw`
n d :
shall, to the extent of pay.
70
orrgage,be ubroga ed to all the .
82 gagers n: tits of reeove ry, uy w.hoot debs and tpag.t
nhhdd o s ; or ri m y and bff hem equine
83 a ssipnment lherpl n of the mortgage. Other provisions
e4 Ixno t the ■.r. .rd ab M cods m reg
85 added hereto by agreement in wr
be
86 Pre rata liability. This Company doll not be liable a row mar
foe a greater
87 r rton of any loss than the amount
88 hereby insured shall bear to the whole a ver'np the
39 property against the peril involved, whether collectible rein.
or
90 R1 i rise The insured shell d w
91 c loss ec tun. notice to this Company of an yloss. pro protect
92 ehs property from further damage, forthwith
93 separate the damaged an undamaged personal property, put
91 i n the best possible order, furnish s complete inventory of
95 the destroyed, damaged an undamagedproperty, showing in
96 detail quantities, cos actual cash val. and amount of to
97 claimed; and within sixty days after the loss, anted! areal ti ss
98 u e r ded'e writing b1 this Company, the insured shah render
99 ha of thfs Company a pro of ear signed an sworn o by the
a
.00 a u ed, stating the knowledge an belief of the onsurd as to
01 the following: the time and origin el the loss, the interev of the
02 insured and A all others in the property, the actual Ash value of p
03 each item thereof and the amount of loss thereto, all en
d carte
04 bnances ,heron, all other
contracts changes whet th valor/
e tole,
06 w rep, cons ant locator, p
r p s sspert poser the itle
07 a occupation, the issuing n, pose v who o an
gs of b, what
07ity s 8 p fld e he this described d a t
whom d f warts
09 thereof were occupied at the tine o f loss and whethe several not it
ID then stood e
a s d groond, and ehalt furnish • copy f an the
I 1 descriptions and schedules in all policies and, if required, verified
12 plans and specifications a any building, fixtures or machinery
13 destroyed or damaged. The insured, as often as may be reason-
14 ably required, shah exhibit to any person designated by s the
15 Company all that remains of arty property herein described. and
id urbmit to c u
. m lion der ca h by any pe rs named by this
n
17 Company, a : s and, the same) a
, often y be
18 reasonably required, shalt produce for x non all books of
19 account, bills, inns t end other voucher, ce cent : fed copies
a
20 thereof of originals be lost, reasonable re sonable time an Are as
21 may . designated by this Companyor Ins representative, and
22 shall permit extracts and copies IldreOf to be made
23 Appraisal. 1 case he insury n this Company shall
121 £.I ag
25 he amount of loss, then, the a written it demand of either,
m each
26 s select a competent an disinterested appraiser and
rte
27 the other of the appraiser selected within twenty days of such
28 demand. The appraisers shalt first select • om and dis.
29 interested umpire; an fading for fifteen days prhag ee upon
30 31 such umpire h n request of the ins red w this Company,
ch
umpire shell be selected by • judge of a court of record ,n
32 the s• 1e n the which property covered is located. The
a ap-
33 p shall then a the a
loss, stating separately actual
34 cash aloe and loss to each n end, failing o agree, shall
35 submithe differences, o nly, to the umpire. M award in
36 inc so Itemized of any two when filed with this Company shall
37 determine the amount d actual cash value and loss. Each
38 appraiser shall be wed by the path Alerting him an the ex.
39 penses of appraisal and umpire shall be paid by the parties
40 equally.
41 Company's It shall be optional with this Company to
42 option. take 11, any part, of the property at the
43 agreed orapprai value, and else re-
/4 pair, rebuild w replace the property destroyed Or damaged with
45 other of like kind and quality within • reasonable time, on giv-
46 trig notice of its intention so to do within shirty days after the
0 rice pt of the proof of loss herein required.
48 Abend...A. There can be no abandonment to this Com-
49 pang of any property.
50 When lose The amount of be for which this Company
51 payable. maybe liable shall be payable sixty days
52 after y an prcof nicer.... of loss, ri a h r ' Drovised is
53 received by this Company ch er by agreement between the insured
s and n s Company e x
54 e
55 pressed ,n r w inn by the filing this Company of an
56 award as re provided.
51 Suit Nn suit w attain on b tina the rec
58 ery of any claim shall W sustainable •yy
in an
59 shun of law or equity unless all requirements lco , of of this within
60 shall have been complied wash, and y d unlesss commenced wnced within
61 twelve months next yt .f alt« mpanon the loss
62 Subrogation. This Co y may rrigh d recovery require am (r the against
6 4 • , y party for lass o the extent that all against
65 by this Company. payment therefor i s node
d<
OTHER PROVISIONS APPLICABLE TO SECTIONS 1 AND 11
EXCEPT AS OTHERWISE INDICATED
WAR RISK EXCLUSION
1, Sections I and II: Under Section I as respects erilt °the. Man fire (which is otherwise rood. for on page 2 d this policy) d under Section
II at respects liability assumed by the Insured under any contract or agreement, as to expenses under Insuring Agreement 4 0) 3, or as to Cover
age F, his policy shall not apply o loss, to ury, sickness, disease, death or destruction caused, , directly or indirectly, by:
(a) hostile of warlike action an time of peace or war, including actaen in hindering, combating or defending agatree an actual, impending
expected attack, (1).by any government or sovereign D er (de lure de w facto), by any authority maintaining using ')fiery , naval or
t
forces; 2) by military, naval or air forces; forces; (31 y
by an gent of u leer such government, pos., thority w forces, t being understood
that any discharge, explosion an an or use of any weapon of w employing n ale is l : o., lus y presumed to be such a
hostile w ow
warlike action by such • government, per, authority w force.: eon shall be onc,u e e
(N insurrection, rebellion, revolution, civil war usurped ewer, w action taken nme
ing against ch an e; n seizure destruct:. destruct: under quarantine C s governmental authority
on, confiscation by der of any combating
w public uthority, or risks of contraband or illegal transportation or trade.
GENERAL C
1. MowelemeiON W T n5: Tle provisions on page 2 of this policy
as rtwect.w liable and e excepted property, die exclusion of loss by
2, other F h pertaining to waiver, ai to cancellation and subrogation,
do not apply to Secnon II of this policy
2. DEFINITIONS:
(a) Insueds The unqualified word "Insured" includes (II the Named
Insured, and (2) If residents of his household, his spook he
relatives of either, and any other person under the ape of of 2 21
the care of an Insured, and also includes l3) under Coverages E
e
Insured, o F, w a) with respect to animals and watercraft owned by an
and with person organization lege, responsible herefw,
le respect to farm tractors and trailers and sell -pro-
pe Ile , o, Insured white engaged farm Implements, any employee
A an A/ Premises: The unqualified in the employment of the Insured.
qualified word "premises' means the premises
described in the 0 Iaratio including grounds, garages, stables
d oter outbuildings ns, gs incidental thereto, and prise. approaches
thereto.
Id Residence Employee: "Residence Employee" employee
u o
of an Insured whose duties are in connection w ownership,
the o e shi,
or m f the pre n din A maintenance
use of automobiles or terns whop lax elsewhere du,i. cl
A a similar performs an Insu 'sbu n
(dl Bus "Busied includes trade, profession
3. Certain rho :nsnmewe nee permitted: Other insurance covering the
described dwelling building ;except costing insurance for which credit
is given in this policy) is nut permitted.
4, Apportionment—nod. permitsd inwrance•.
(a) S.6. t—Less fire oM page not provided for le elbl
below: This Company shall ro be liable for greater proportion
of an y Ica Rom any Per. oe perils included in this policy than
f II the applicable limit of liability under this policy bean to the
whole
ould have ern ered property far the existence of this of
'whet. collectible w rot, and whether w not such
other fire insurance covers ga s
n t the additional peril w perils
insured herewder l21 o for r agreater proportion of any loss
than the applicable And of liabhra under this policy beads m
all insurance whether collectible or not, covering in any manner
such loss, or wheel would have covered such loss except for the
existence d this insurance.
(b) Section 1- -Loy by theft at loss d personal property covered w
Ply unspecified pert basis: o Insurance her athis po shall ptiale wdet
Insurance wed insurance
chwouldpply ry
in the absence this policy.
1. Limits of liability: The limit of liability stated in the Declarations
w Coverage E is the limit of this Company's liability for all damages,
ncluding damages for care and loss of service, as de result Of one oc-
cArence.
The limit of liability stated in the Declarations For Coverage F is the
kmit of this Company's liability for all expenses incurred by w on behalf
of each person who sustains bodily injury, sickness or disease, Including
death resulting therefrom, as she result of any one accident.
2. Liman of b.bilttyy Weft.. options — Coverage G: The limit of
this Company a liabilrry rot lost d property er sing out of any one occur- t time
rence (21 what It would d to epau ce replace et t e he ptopeny
'rah other of like kind and quality, nor (31 the applicable limit of
nabdity stated M the Declaration for Coverage G.
This Company may pay for the loss to moray or may repair or replace
the property and may settle any claim for loss of pm:Arty either with
the Insured Of the owner thereof. Any property so paid for or replaced
shall, at the opton of this Company, become the property of this Corn-
Pony. Payment hereunder shall not constttuh an admission of liability
of the Insured w, except hereunder, of this Company.
3. Sev.rabzcsty severally tnt<..s — Caversam E d F: T. term "tie
d ' inclusion In-
ure is u d erally and rat collectively, but the herein Di
more than one Insured shall not operate to increase the limos of this
Company's liability. pe
4. Nptce of occurrence•, When an occurrence nce takes plats written no-
tice shall be given by w on behalf of the Insured o this Company or
any o ciders authorized sufficient as soon as practicable. Such notice shall
contain h gem dentify the Insured and also reasonably
. d yable infomu na i respecting the time, place and c umstanc« d
the occurrence, the names and addresses of the injured and of available
witnesses
3. Non. of chin sue — Coverage 1: If claim is made of suit tt
brought against the Insured, the Insured shall immediately (award ro
this Company every demand, notice, surnmons or other process received
by him or hat representative.
6. Assistance and cooperation el the Insurd — Coverage Et The In-
ured shad oope.ate with this Company and, up. this Company's
request, deli attend hearings and trials and assist in effecting ttIm
ens, securing and giving vidence, obtaining he attendance of wit-
r and ipthe conduct of ±y Iegd edngt correction procewith
the this so b s co voluntarily 4 this insurance. ce. The Inured shall not, except at
make any payment, a y obligation or
incur recur o any se ea shall be an for surgical
immediate medical and surgi
ingestive a the fine of the +Cadent.
ONDITIONS •
Loa .nder Coverage E !Comprehensive Penonst Liability): If the
Idsured has other insurance against • IOU covered by this policy,
h Company shall not be liable der this policy for a greater
p portion p ch loss the th ape icab!• (omit d ability
stated I nc Declarations bee to the total applicable limit of
libility d all vaid and collectible insurer,. against such loss.
Id) When !ass under this policy is subject to • deductible, this Com- shall not pany excess of the deductible amounts Do rata share d such
S. Death d Namd Manta& Upon the death of the Named Insured,
this policy shall over the Named Insureds spouse, if • res:dem of the
rty household at the trine d such dnas, n legal -presentative
Named
n II, if /mm the dot• d such de p nded, .al .der a of
such legal n t not , was t Insured at the time o/
she deeath h t N Insured, of she Named nsurd, policy shag apply to such Denncs p with
hos respect m
,o the premises d the original Named Insured and d
th
and dell v a co r Insured while dent . of sad
sal nY person who a Insured at she t me d the ilea h and
(bl under Section I, (such legal :presentative it r iot •person who was
permanent member of the Named Insureds household the time of
M
Inc he death f the Named Insur this policy doll apply as 0 applied
w
gre such death but shall apply to loss d property owed or
used by such person, a ember of his household dent
ploy. thereof, unless suds toss occurs at a pa of thldman;os occupi
exclusively by the origmal Named Insureds household.
6. Liberalize.. clause: If during the period that insurance is in fore
under this lie', ,thin 45 days prior t the n
he cep, date thereof,
on behalf of this Company there there be filed wtth and approved w accepted
by the urance supervisory authorities, in conformity with law, any
form endorsements, I« na
reg 1 tin by which this policy could be
extend or roa 'without additional premium her . by endo-
sh al nt or substitution of f then such extended broadened insurance
do inure o h benefit a/ he Insure h as though such ere
seme. of substitution of form had been made.
7. Confermiry 1 Attn.: The terms of this policy and forms attached
hereto whirl re• m conflict *oh the statutes of the state wherein this
policy a issued are hereby amended to conform to such statutes
8. Cancellations The orb. "fins days" n the cancellation provision
on Page 2 of the policy n deleted and the words "ten days' am subw
stituted instant-rents t fand the this Company policy tcanc ft policy hi payable liy
be-
poay :lofts cancel this notice licy
a cancellation shall Named 11 a in is default a ca vin h the Y installment p, 0 iio 11 e of
c elision a 1 be S accordance witthe po d sha be n in
ch
t tit. any portions of premium previously peed shall be named
by s Cpmpan7.
If the policy is installments sh
unpaid installments deducted
.n determining the amount t al return premium due the Named Insured.
CONDITIONS APPLICABLE ONLY TO SECTION 1
1. Permiaiea 1 need: !A dl oat of the premises as is usual act or neglect of any a e n' s
her than the Named Inrece when such
Iden I o dwelling; (b) for the premises to be vacant or unoccupied a n
neglect is within theInsured. control of the Named
c pt as otherwise provided in this policy (or er- 3. Subrogation: This e n shall not be validaied hould the
d o o come. cri n (c) 1w Named Insure to make alterations, ad- Named Insured w rooting ponce or v.
n to a loss a all right Are
repairs, t structures - course of c struct0.0. cry against any party foe lost occurring afforded property Io ring the pe y this coven, herein.
In vent s, loss hereunder, a Insured policy shall not
reasonable repairs, bI m ne o, , pm, mit vided such repairs are o di rectly inure hid o make a di. y bail«: The ins t ectly or indirectly to the t benefit of any carrier this to ternparary w w othx b ailee
b
confined solely to Ala protection es. In o ef l the W property from further dam of f Pae
and provided lush that IM Insured f a keep eep an a aisat record al pa gad and se to re al d clan If the loss a article which is part of a
ch
su pr * pea u r«. The ass of y inch gain directly s pair them of loss loss shall be • reasonable and fair proportion
e to damage ce by any peril insur d against n re included in in at the total l val article, pace giving b consideration y.st f
n y C o she Import -
determining the amount l loss hereunder. Nothing h herein cocontained ce n of heed i t or e, s but l At, such Toss a shall l rot W construed to mean total
intended tena to modify the uiremm ents is se in sr a loss Toss f the d a set .
and in particular Ilia a policy requirements requirement that in applicable in cg case loss occur the 6. Lo under Se if any, shag s r ousye the Named Iry
Insured ro d property: This i
shall n
) the a t+ p a be pt red shall payaa ble to him unliss e other er payee is specifically
2. Control
erty; Thit insurance from fe s 0 shall ll not be prejudiced by any nsme meohereunder.
•
CONDITIONS APPLICABLE ONLY TO SECTION 11
7. Medic) mew.y o and paynt of alma — Coverage 1:
soon as b
cable the me on injured pers or ern his behalf shall
give to this Company written ten proof of claim, under oath if required, and
shall, ail. each request from the Company, a authorization to
Th 611 ties Company obeun medical eports of ecords.
e t by a pan when t u yf ex in ion by phas rev
selected eq i re . Company when and a often a t thts CwnpanY may rea-
nabl+ require.
This Cpmpsnyy y pay the i s jured person y person organize-
Rth derig tfhe ser a m andsuch Payment shall reduce the amount
payable hereunder, foe chinjury. Payment hereunder shall not
admission of lieb.lity d the Insu or, mace. hereund.. 04
this Company.
8. Notice: prof and payment el loss — Coverage a When -
e takes place written notice shall be given e by
n 011 behalf d the
Insured to c soon as
practicable. The Insured shall any proof authorized o loss wit m Company
within 60 days after the occurrence of loss, der oath if required, of affected a tail cashha . thereof at hlrns of loss, the nperty the pplace, tiny am
and cause of such loss.
Upon Mis Compariyae es, the rori h id red T, esrd yt n
all Company the da ged p. �ry t re Q li s al. pro invoices, for
this . reany'a blem ,ion all places pertinent records and sal all designate,
all
and shall ca t lac this Company shall c red with this C in all no tt< n pertaining to loss
w claim with respect thereto.
0. Act. again* Company — Coverage Ei No action shall lie ap ' a
this Company unless, as a condition precedent thereto, the Insured shall
have fully complied watt an the terms of this policy applicable to S«-
tion Ii, nor until the amount of the Insured's Insured' obligation to pay shall
have been finally determined either by judgment gains he Insured
after actual trial or by written agreement of the Insured the claimant
and this Company.
Any person or organization or the legal representative thereof Aso has
led
secured such d dana 00 ll to agreement e extent of the insurer a afforeded
by this poll y.er d Sect or Nothingor s contained in the policy shashall y person
at organization n right o join this a Corn., a co-defendant in any
action against the Insured to determine the Insureds liability.
Bankruptcy or n solvency of he Insured o of the Insured's estate
soil not relieve this Compaq of any of its obligations hereunder.
10. Ast in. Company — Coverages F and fe No action loll Ise
A
gfl++ Co mpany unlel, a • condition precedent thereto, then
than have been full compliance mth all the terms of this policy ap-
licable to Section II, n o
until 30 days aft. the required proofs of
claim ham been filed wash this Company.
W INDSTORM AND HAIL ,E
H°� is hereby WATERPROOFING EXTERIOR PAINT AND
""`
It EXOLU8ION CLAUS]; No. 906
windstorm y stipulated that coverage Florida
or hail st paint or waterproofing under is policy does not include damage
covered hereunder, this
stated, shall not be to paint p material applied
of paint or water at to the exterior of th buildlnd in any manner by
pplicable to windstorm or hail the deter proofing material,
, bein or structure(s)
-- -- _ perils. - of actual cash value � excluded from the covove
applying the Co-Insurane erage as Cla ab use
r
MODIFIED LOSS DEDUCTIBLE CLAUSE NO. 2
(For Use With MIC Form 3)
Loss Deductible Clauses No. 2 in Forms 3 and 4 attached fo this policy are hereby deleted and the following substituted therefor:
"Modified Loss Deductible Clause No. 2: With respect fo loss other than loss by windstorm or hail, this Company shall be liable
only when such loss in each occurrence exceeds $50. When loss is between $50 and $500 this Company shall be liable for III%
of loss in excess of $50 and when loss is $500 or more, this loss deductible clause shall not apply.
TMs loss deductible clause shall not apply to:
(a) Coverage D, (Additional Living Expense);
(b) loss by fire, lightning, smoke, explosion, riot, riot attending a strike, civil commotion, aircraft, vehicles, sudden and accidental
tearing asunder, cracking, burning or bulging of steam or hot water heating systems (except appliances for heating wafer for
domestic consumption), vandalism and malicious mischief; and
(c) loss by Theft, or attempt thereat.''
The Declarations of this policy are supplemented as follows:
The Insured owns no outboard motors rated at more than 10 hp.
Exceptions if any:
It is agreed that the policy to which this endorsement is attached, is amended as follows:
Section II, Insuring Agreement 6 "Insurance for Newly Acquired Outboard Motors" is
therefor:
Part (3) of Special Exclusion (b) does not apply to a watercraft powered by an
which is acquired during the policy Perm by an Insured included within parts (I)
WINDSTORM AND HAIL ASSUMPTION ENDORSEMENT— DWELLINGS
(For use in writing Windstorm and Hail insurance on the item(s) specified in thi3
policy as not covered against loss resulting from Windstorm and Hail
unless liability is specifically assumed.)
86.40
PERSONAL LIABILITY COVERAGE
MANDATORY ENDORSEMENT
Outboard Motors:
Motor A
Motor B
Motor C
Horsepower
Owner (if not Named Insured)
HO -141
(Ed. 6 -59)
HO - 50
(Ed. 4 - 61)
deleted and the following is substituted
undeclared • outboard motor, ownership of
or (2) of the "Definition of Insured ".
1
No. 910
Florida
(Edition 6 -60)
In consideration of $ additional premium, and subject . the
and in this policy, including endorsements added thereto, this policy is amended to cover the following item(s) against direct loss
by Windstorm and Hail to an amount not exceeding the amount inserted in the blank(s) provided below. This coverage is
applicable only to the itein(s) for which an amount is inserted and for not exceeding said amount.
Rate
on cloth awnings and their framel
on fences.
on screening and supports otherwise excluded in this policy.
on boathouse of construction.
on dock of________________.____ construction.
_on' ,
on___
on
Attached to and forming art of Policy No - ' S of the
Nationa Casualty Congz
NAME OF INSURANCE •MPA ---- -,r- .f
issued at its CITY o TOWN Miami, Florida Agency / F• 0 NSURA NCB
Dated 7/13162 `� 6 r,.!/s.... •
Agent.
Note to Agents —(1) This endorsement is for use only with dwellings covered under Sta rd, Broad, Special, or Homeowner welling forms.
(2) Develop the additional premium by multiplying the liability of e item by the applicable 80% co- insurance clause Windstorm
and Dail rate.
li
5. SUPPLEMENTARY DEFINITIONS:
(a) "bodily injury" me ans bodily injury, sickness or disease, including
death resulting therefrom, sustained by any person;
(b1 - "property damage" e ans in jury to or destruction of property, in-
cluding loss of use thereof;
(c) Premises: For purposes of Section II, the definition of "premises"
appearing in the Basic Policy is extended to include: (1) all premises
where the Named Insured or his spouse maintains a residence and in-
cludes private approaches thereto and other premises and private ap-
proaches,thereto for use in connection with said residence, except
business property and farms, (2) individual or family cemetery plots
or burial vaults, (3) premises in which an Insured is temporarily resid-
ing, if not owned by an (nsured,'and (4) vacant land,' other than farm
li3nd, owned by or rented f9 a'n; Ins ured. land `shall 'not be deemed
Vacant following the commencement of any 'construction Operations
thereon unless such operations are being performed solely by inde-
pendent contractors in connection with the construction of a one or
two family dwelling for the Insured.
(d) "business property" includes (1) property on which a business is
conducted, and (2) property rented in whole or in part to others, or
held for such rental; by the Insured. The ( nsured's property' shall not
constitute "business property" because of (a) occasional rental of the
insured's residence; (b) rental In whole or in part to others of a one
or two family dwelling usually occupied in part by the Insured as a
residence, 'unless such rental is for the accommodation of more than
two roomers or boarders per family occupying the dwelling; (c) rental
of space in the Insured's residence for incidental office, school or studio
occupancy; or (d) rental or holding for rental of not more than three
car spaces or stalls • in garages or stables.
Section 11 of this Policy Does Not Apply:
(a):: (1) to any business pursuits of an Insured, other than under Cover-
ages E and F, activities therein which are ordinarily, incident to non-
business pursuits, (2) to the rendering of any professional `service or
the omission thereof, or (3) to any act or omission in connection with
premises, other than as defined, which are owned, rented or controlled
by an Insured, but this subdivision (3) does not apply with respect to
bodily injury to a r'esid'ence employee arising out of and in the course
of his employment by the Insured;
(b) under Coverages E and F, to the ownership, maintenance, opera-
tion, use, loading or unloading of ( I ) automobiles or midget auto-
mobiles while away from the premises or the ways immediately adjoin-
ing, except under Coverage E with respect to operations by inde-
pendent contractors for non - business purposes of an insured not involv-
ing automobiles owned or hired by the Insured, (2) watercraft owned
by or rented to an insured, while away from the premises, if with in-
board motor power exceeding fifty horsepower or if twenty -slit feet or
more in over -all length and a sailing vessel, with or without auxiliary
power, (3) watercraft while away from the premises and powered in
whole or in part by an . undeclared outboard motor owned by an insured,
or (4) aircraft;. but with respect to bodily injury to a residence em-
ployee, arising out of and in the course of his employment by the
insured, parts (I), (2) and (3) of this exclusion do not apply, and
part (4) applies only while such employee is engaged in the operation
or maintenance of aircraft;
(c) under Coverages E and F, to bodily injury or property damage
caused intentionally by or at the direction of the Insured;
(d) under Coverages E and F, to bodily injury to any person (I) if
the Insured has in effect on the date of the occurrence a policy pro -'
viding workmen's compensation' or occupational disease benefits there -`
for, or (2) if benefits therefor are in whole or in part either payable
or required to be provided under any workmen's compensation or
occupationai•disease law; but this subdivision (2) does not apply with
Annual Fire and -
E.C. Contents Rate
Sections I and 11 are otherwise subject to the provisions setJofth in the policy to which this form is attached.
RESIDENCE CONTENTS BROAD FORM
DECLARATIONS
The premises occupied by the. Named Insured is situated in a building occupied by not more,
than families. The described premises is occupied by not more than one family
in addition to the Named Insured's family and by not more than two roomers or boarders.
PROVISIONS APPLICABLE TO SECTION`
DESCRIPTION OF PROPERTY
C O VERAGE C -* UNSCHEDULED PERSOfIA pRQPERTY. a •
1. Qn premises: This policy- covers unscheduled personal property usual
or incidental to the occupancy of the premises as a dwelling. owned,
worn or used by an Insured, while on the premises, or at the option of
the Named Insured, owned by others while on the portion of the
premises occupied exclusively by the Insured.
This coverage does not include: animals, birds, automobiles, vehicles
licensed for road use and aircraft; the property of roomers or boarders
not related to the Insured; articles carried or held as samples or for
sale or for delivery after sale or for rental to others; and property
which is separately described and specifically insured: in'whble or in
part by this or any. other insurance.
2. Away from premises: This policy also covers unscheduled personal
property as described and limited, while elsewhere than on the premises,
anywhere, in the world, owned, worn or used by an Insured, or at the
option of the Named Insured, owned by a guest while in a temporary
residence of, and occupied by an Insured or owned. by a residence
employee while actually,: engaged in the service of an Insured and while
such property is in the physical 5ustody such residence employee or
in a residence temporarily occupied by an Insured. Property pertaining
to a business is not covered.
The limit of this company's liability for such property while away from
premises shall be an additional amount of insurance equal to IQ% of the
amount specified for Coverage C, but in no event less than $1,000.
This policy insures under Section 1 against direct loss to the property
covered (and additional living expense resulting from such Toss or loss
to the building containing the property covered) by the following
perils as defined and limited herein:
1. Fire and lightning.
2. Removal, meaning loss by removal of the property covered here-
under from premises endangered by the perils insured against, includ-
ing coverage pro rata for 30 days at each proper place to which such
property shall necessarily be removed for preirvation from or for
repair of damage caused by the perils insured against.
3. Windstorm or hail, excluding; - .
(a) loss caused directly or indirectly by frost or cold weather or ice
(other than hail), snowstorm or sleet, all whether driven by wind
or not;
(b) Toss to the interior of the building or the property covered there-
in caused by rain, snow, sand or dust, all whether driven by wind or
not, unless the building (s) covered or containing the proPerty cov-
ered shell first sustain an actual damage to roof or walls by the direct
force of wind or hail and then this Company shall be liable for loss
to the interior of the building (s),or the property covered. therein as
may be caused by rain, snow, sand or dust, entering the buildings)
through openings in the roof or walls made by direct action of wind
or hail; ,
(c) loss to the following property unless liability therefor is assumed
by endorsement hereon; ( I ) cloth awnings and their: frames; (2).
fences;, (3) seawall, property line and similar walls;: (4) greenhouses,
hothouses, slathouses, trellises, pergolas, cabanas and outdoor equip-
ment pertaining to the service of the premises; (5) wharfs, docks,
piers, boathouses, bulkheads or other structures located over or par -
tially over water and the property therein or thereon; and (6) loss
(OVER)
e) "automobile" means a land motor vehicle, trailer or semi - trailer,
but the term. "automobile" does not include any crawler or farm -t'pu
tractor, ta Implement- and. ■• not s lojecf to motor vehicle regIqraz
tion, any equipment which is designed for use principally off public
roads;
(f) " midget au4on, I, le" means • a land motor eh; cle of th'a type Com-
monly referred to as a midget automobile', "kart ", "go -kart speed -
mobile e; built or by a comparable name, whether commercially l or
otherwis
(g ) "undeclared outboard motor" means
(1) an outfoardmofor of more than ten horsepower, or
(2) a combination of outboard motors of more than ten horsepower
in the aggregate and used with a single watercraft, if not declared
in the declarations and a premium charge entered therefor.
6. Insurance for Newly Acquired Outboard Motors:
Part (3) of Special Exclusion ; (b) does not apply to a. watercraft
powered by an undeclared outboard motor, ownership of which is ac-
quired during the policy period by . an. Insured included ,within parts
(1) or (2) of_the Defnitionof Insured" in the Basic Policy, provided
such Insured' (a) notifies' the company within thirty days after acquiring
ownership of such motor, (b) did not own an undeclared outboard
motor at the inception of the policy period and, (c) has no other valid
and collectible insurance applicable thereto: _
The Named Insured shall pay any additional premium required be-
cause of the application of insurarsceito.watercreft, powered by such
newly acquired outboard motor.
7. Policy Term:. This policy applies only to occurrences during the policy
term.
SPECIAL. EXCIIJSIONS
respect to Coverage E unless such benefits are payable or required to
be provided by the Insured;
(e) under Coverage E, to liability assumed by the Insured under any
contract or agreement except under Insuring Agreement 1 (a) liability
of others assumed under a written contract relating to the premises;
(f) under Insuring Agreement 1 (a) of Coverage E, to property dam,
age to property used by rented to or in the care, custody or control
of the Insured, or property as to which the Insured fqr any purpose is
exercising physical control;
(g) under Coverage E, to sickness or disease of any residence em-
ployee unless prior to 36 months after the end of the policy period
written claim is made or suit is brought against the Insured for damages
because of such sickness or disease or death resulting therefrom; ,.., ;• -,
( ) under Coverage E, to bodily injury or property damage with re-
spect fo which an Insured under this policy is also an Insured under
a nuclear energy liability policy issued by Nuclear Energy Liability
Insurance Association, Mutual Atomic Energy Liability Underwriters
of Nuclear Insurance Association of Canada, or would be art Insured
under any such policy but for its termination upon exhaustion of its
limit of liability;
(i) under Coverage F, to bodily injury to ( I ) any Insured within the
meaning of parts ( I ) and (2) of Definition of Insured in -the Basic,,
Policy or. (2) any person, other than a residence employee, if such
person is regularly residing on the premises or is on the premises be-
cause of a business conducted thereon, or is injured by an accident
arising out of such business;
(j). under Coverage G, to loss (1) arising out of the ownership, main-
tenance, operation, use, loading or unloading of any land motor vehicle,
trailer or semitrailer, farm machinery or equipment, aircraft or water-
craft; or. (2) of property owned by or rented to any Insured, any resi-
dent of the Named Insured's household or any tenant of the Insured; or
(3) caused intentionally by an Insured,_ over the age of 12 Years,
41C4
(Ed. 4 -60)
(Florida)
PERILS INSURED AGAINST
AND INTERESTS COVERED
COVERAGE D - ADDITIONAL LIVING EXPENSE, 1
This•policy covers the necessary increase in Jiving expense`, resulting
from loss by a peril insured against to the property covered hereunder
or to the building containing such property and incurred by the Named
Insured to continue as nearly as practicable the normal standard of
'lying of _the „ Named . - .Insured's . household: for the applicable period
described in (a), or (b) below: - ,
(a) The time required, with the exercise of due diligence and dis-
patch, to repair or replace such damaged or destroyed property;
(b) The time required for the Insured's household to become
settled in permanent quarters.
.This'Werage includes the fair rental value of the described dwelling
and appurtenant private structures with respect to any portion thereof
rented or held for rental by an Insured and, as furnished by the owner,
for the' of time required with the exercise of due diligence and
dispatch fo restore same to tenantable condition, less such char9es and
expenses as do not continue. ' 1
The periods described above shall not be limited by the expiration of
this policy:
This Company shall also be liable under Coverage' D for the., period
of time, not exceeding two weeks; while access to the premises is pro-
hibited by order of civil authority, but only when such order if given
as a direct result of damage to neighboring premises by a peril insured
against. ,
If the Insured is not owner of the described premises, this Company
shall not be liable under Coverage D for expense due to cancellation
of cony lease, or any written or oral agreement.
to screening and supports enclosing or partially enclosing pools,
patios or other areas, whether a separate structure or'attac to
a building; but this exclusion shall not be construed to exclude loss
to screening and supports of porches which area pact of dwellings..
4. Explosion. •.., .: : _ .r
5. Sudden and accidental tearing asunder,' burning' or' bulging
of a steam or hot water heating system, - except appliances for heating
water for domestic consumption, and excluding loss resulting- from
freezing while the described building (s) is vacant or unoccupied, unless
the Insured shall have exercised.dua diligence with respect to maintain
ing heat in the building (s), or unless the plumbing and heating system
and domestic appliances had been grained and the water supply shut
qff during such- vacancy orunoccupancy.,- y •;::I '
6. Riot, riot attending a strike, and civil commotion, including direct loss
from pillage and looting occurring during and at the immediate place
of a riot, riot attending a strike or civil commotion.
7. Aircraft.
8. Vehicles.
9. Sudden and accidental damage from smoke, other than smoke from
agricultural's'mudging or industrial operations.' '
10. Vandalises and malicious mischief, meaning only the wilful and
malicious damage to or destruction of th property coverer', but ejclud -.
ing as respects this peril loss if the described building had been vacant
beyond a period of 30 consecutive days im. mediately preceding the loss.
11. Theft, meaning any ectof stealil g,or :attempt thereat and, :esto
Coverage C (on premises), including theft of property covered from
within any bank, trust or safe' deposit company, public warehouse,, or
occupied dwelling not owned or occupied by or rented to an Insured,
in which the property covered has been placed for safekeeping,' ,.
Upon knowledge of loss. under this peril or of an occurrence which
may, give rise to a claim for such loss, the Insured shall give notice; as
(11011 as practicable to this Company or any of its authorized agents
General Exclusions applicable to theft; This policy does not apply as
respects this peril t loss: (a) if committed by an Insured: or 6 in
or to a dwelling under construc ±ion or of materials or supplies there-
for until completed and ready for occupancy.
Exclusions applicable while the described dwelling is rented to others;
While -the portion of the described dwelling customarily occupied
exclusively by an Insured is rented to others, this policy does not
apply as respects this peril to loss from the described dwelling: (a)
of money, numismatic property and bank notes; (b) of accounts, bills,
deeds, evidences of debt, letters of credit, notes other than bank
notes, passports,,railroad and other tickets, securities, and stamps in-
cluding philatelic property; and (c) of jewelry, watches, necklaces,
bracelets, gems, precious and semi- precious stones, or articles of gold
or platinum; or (d) caused by a tenant of such portion of the de-
scribed dwelling or any of his employees or members of his household.
Exclusions applicable to property away from described premises: This
policy does not apply as respects this peril to loss away from the
premises of: (a) property while in any dwelling or premises thereof,
owned, rented or occupied by an Insured, excepf while an Insured is
temporarity' residing therein; (b) property while unattended in of on
any automobile, motorcycle or trailer, other than e public convey -
once, unless the toss is the result of forcible entry either into such
, vehicle while all doors and windows thereof are closed and locked or
into a fully enclosed and locked luggage compartment, of which entry
there are visible marks upon the exterior of said vehicle.
12. Falling objects, but excluding loss to the interior of the building (s)
or the property covered therein, caused by falling objects unless the
building (s) containing the property covered shall first sustain an actual
damage to the exterior of the roof or walls by the falling' object.'
13. Weight of ice, snow or sleet, but excluding loss: ( I ) to the interior
of the buildings) or the property covered therein, caused by weight
EXTENSIONS 0
1- Improvements, alterations and additions --. Applicable only it the
Insured is not owner of the premises: This policy also covers improve -
me,nts, a,lterati,ons or additions made by the Named Insured to the
premises for an amount not exceeding. 10 °/ of the limit of liability ap-
plicable to Coverage C.
2. Debris removal: This policy covers expenses incurred in the removal
of all debris: of the property covered occasioned by loss thereto for
which coverage is afforded.
SPECIAL LIMITS
1. Loss Deductible Clause No. 1 - Applicable only if so' stated in the
Declarations: With 'respect to loss by windstorm or hail to buildings,
structures or personal property in the open, this Company shall be liable
only when such loss in each occurrence. exceeds $100. When loss is
between $100 and $500 this Company shall be liable for 125% of loss
in excess of $100 and when loss is $500 or more, this foss deductible shall
not apply. This loss deductible clause shall not apply: to Coverage D
(Additional Living Expense).
2., Loss. Deductible. Clause No 2 — Applicable only if so stated in the
Declarations: With respect fo loss by any of the perils insured _against
other than:
(a) fire or lightning, or ;r
(b) windstorm or hail to buildings, structures or personal property
in the open,
this Company shall be liable only when such loss in each occurrence
exceeds $50. When loss is between $50 and $500 this Company shall_
be liable for 111% of loss in excess of $50 and when loss is $500
more this toss' deductible clause shall not apply. This loss deductible
clause shall not apply to Coverage D (Additional LiMin'q Ezp'erse) `'•
1. This Company shall not be liable:
(a)' As respects Perils 5, 12, 14, 15 and 16: for loss caused directly
or indirectly by earthquake; landslide or other earth movement,
(b) As respects Perils 3; 5, 12, 13, 14, 15;` 16 and 17: for toss caused
by resulting from, contributed to or aggravated by any of the
following:
(I) flood, surface wafer; waves, tidal wafer tidal wave, overflow
ofstreams or other bodies of water, or spray from any of the fore-
going, all whether driven by wind or not;
(2) water which backs up through sewers or drains;
(3) water below the surface of the ground including `th which
exerts pressure on or flows, seeps or leaks through sidewalks, drive -
ways, foundations, walls, basement or other floors, or through doors,
windows or any . other openings in such sidewalks, driveways, founda-
+ions, walls or floors;
unless loss by fire, or explosion ensues, and this Company shall then
SPECIAL CONDITIONS
1. Loss Clause — Loss hereunder shall not reduce the limit of liability
under` this • policy.
2. Nuclear Clause: The word "fre" in this policy or endorsements at-
tached hereto is not intended to and does not embrace nuclear reaction
or nuclear radietion_gr radioactive contamination, all whether controlled
or uncontrolled, and loss by nuclear reaction or nuclear radiation or
radioactive contamination is not intended to be and is not insured
'against by this policy or said endorsements, whether such loss' be direct
or indirect; proximate or remote; or be in whole or in part caused by,
PROVISIONS APPLICABLE TO SECTION II
THIS COMPANY AGREES WITH THE NAMED INSURED:
1. COVERAGE E — COMPREHENSIVE PERSONAL LIABILITY:
(e) Liability: To pay on behalf of the Insured all sums which the Insured
shall become legally obtigated to pay as damages because' of bodily
injury or property damage, and the company shall defend any suit
against the Insured alleging such bodily injury or property damage and
seeking damages which are payable under the terms of this policy, even
if any of the allegations of the suit are groundless, false or'freudutent;
but the company may make such investigation and settlement of any
claim or suit as it deems expedient:
(b). Fire legal liability: Coverage E also applies with respect to injury
to or destruction 'of, including loss of use of the premises or house
furnishings used by rented fo or in the care; custody or control of the
Insured, if such injury or destruction arises out of (1) fire, (2) explosion,
or (3) smoke or smudge caused by sudden, unusual and faulty operation
of any heating or cooking unit.
NOTE: An additional charge must be made for any swimming pool,
capable of being filled to a depth of more than 3Q inches at any point,
located at any premises" for which Comprehensive Personal Liability
Coverage is provided.
2. COVERAGE F"- - MEDICAL PAYMENTS: To pay all reasonable expenses
incurred within one year from the date of accident for necessary med-
ical, surgical, X -ray and dental services, including prosthetic devices,
and necessary ambulance, hospital, professional nursing and funeral
services, to or for each person who sustains bodily injury caused by
accjdent
(a) while on the premises with the permission of an Insured, or
EXCLUSIONS
be liable only for such ensuing loss; bu this exclusion does not apply
to loss by theft. `
(c) for loss, occasioned by enforcement of any_ local' or state ordi-
nance or law regulating the construction, repair, or demolition .. of
building (s) or structure(s) unless such liability is otherwise speci-
fically assumed by endorsement hereon;
(d) for loss by nuclear reaction or nuclear radiation or radioactive
contamination, all whether controlled or, uncontrolled, or due to any
act or condition incident to any of the foregoing, whether such loss
be direct, or . indirect, proximate or remote, or be in whole or in part
caused by, contributed to, or aggravated by any of the perils insured
against by this policy ; and nuclear reaction or nuclear radiation or
radioactive contamination, all whether controlled or uncontrolled, is
not "explosion'' or "smoke ". This exclusion (d) applies to all perils
insured against by this policy excepf the perils of fire and tightning,
which are otherwise provided for by the Nuclear Clause elsewhere in
INSUR AGREEMENTS
of ce, snow or, sleet. unless the. building's) containing the property
covered shall first sustain an actual damage td the exterior of the roof
yr walti �y wel ht of ice, snvvl yr sleets and ( N 90499( equipment
e_e pt a E,a oet r sult of the collapse of a budding-
14. Collapse of building(:) et any part thereof, but excluding loss to
outdoor' eduipment, except as the direct result of the collapse of a
building. .. a _ _ _..
15. Accidental discharge, leakage or overflow of water or steam fro(n
within, a, plumbing, heating, or air conditioning system or domestic
appliance, but excluding: (1) loss resulting from freezing white the
described buitding(s) is vecant-or unoccupied, unless the Insured shall
have exercised due-diligence �v/tk-respecf "to maintaining heat in the
building(s), or unless the plumbing and heating systems and domestic
appliances had been drained and the water supply shut off during such
vacancy or unoccupancy; (2) loss if the described property had been
vacant beyond a period of 30 consecutive days immediately preceding
the loss; and (3). the cost of repairing or replacing the system or ap-
pliance from which the water or steams escapes.'
16. Sudden and accidental tearing asunder, cracking, burning, or bulging
of appliances for heating water for domestic consumption, but excluding
loss resulting from freezing while . the building(:) is vacant or unoccu-
pied, unless the Insured shall have exercised due diligence with respect
to maintaining. heat in. the building 0), or unless the plumbing and
heating systems and domestic appliances had been drained and the
water supply shut off during such vacancy or unoccupancy.
17.: Freezing-"of plumbing, heating and air ' cenditioning"systems - end
domestic appliances, but excluding loss resulting from freezing while the
buildings) is vacant,or unoccupied,, unless the Insured shall have ex-
ercised due diligence with respect to maintaining heat in the build-
ing (s), or unless the plumbing and heating systems and domestic. ap-
pliances had been drained, and the wafer supply shut off dun ng such
vacancy or unoccupancy.
18. • Sudderf aAd accidental injury to electrical appliances, devices, fixtures
and wiring, except television picture tubes, resulting from electrical
currents artificially generated.
F COVERAGE .
3. Consequential foss;' This policy also covers loss to unscheduled per -
sonal property covered hereunder, white contained in a building at the
described location due fo change of temperature as a `result of physical
damage fo such building or equipment therein, caused by a peril in-
sured against.
4. The foregoing Extensions of Coverage shell not increase the limit of
liabilify_ under this policy fo the property damaged, or de-
stroyed.
OF LIABILITY
No more than one deductible amount shelf apply in event of loss by
windstorm or hail arising out of any one occurrence.
3. Under Coverage C, this Company shall not be liable in any one loss
with respect. to the following named property:
(e) for more than $100 on money; bullion, numismatic propertyand
bank notes;
(b) for more than $500 on accounts, bills, deeds, evidences of debt,
letters of `credit, notes other t en bank notes, passports, railroad and
other "tickets, securities; end stamps including philatelic property;
c) for morel than $1,000 ollWanuscripts•
(d) by theff for snore than $1 on any single article of jewelry in-
cluding watches, necklaces, bracelets, gems, precious and semi-
precious stones` and any article of gold or platinum or any article of
fur or any Article•confaining fur which represents it principal value.
(e) for more than $500 on watercraft, including their trailers, whether
•'licensed or not, furnishings, equipment and outboard motors, nor for
any _loss ,by windstorm or hail to such property not inside full erj-
closed building# (except rowboats and canoes on the premises, :'
this policy. '
contributed to, or aggravated. by "fire':. or any other perils insured
against by this policy or said endorsements; however, subject the
foregoing and all provisions of this policy, direct_ loss by "fire" result-
ing from nuclear reaction or nuclear radiation or radioactive contamina-
tion is insured against by this policy.
3. Other insurance - , Applicable . only if the Dwelling Special Form is
not attached hereto: Other insurance on the property covered here-
under (excepfe isting insurance for which credit is given in this policy)
is not permitted.
caused by the activities of an Insured, (3) is caused by the activities
of or is sustained by a residence employee and arises out of and in
the course.of his employment. by an Insured, or (4) is caused by an
animal owned by or In the care of an Insured.
3. COVERAGE 0 PHYSICAL DAMAGE TO PROPERTY: To pay for toss
of property of others caused by an Insured, "Loss means damage or
destruction but does not include disappearance, abstraction or loss of
use. This coverage shall not apply if insurance is otherwise provided, in
Section I of this policy,
4, SUPPLEMENTARY PAYMENTS: With respect to such insurance as is
a fforded by this policy for Coverage E, this Company shal) pay, in addi-
tion to the applicable limits of tiebility:
(a) ali expenses incurred by this Company, all costs: taxed against
the lnsur@da gagydefended suit and all interest on the entire amount
of any judgment therein which accrues after entry of the judgment
and before this Company has paid or tendered or deposited in court
that part' of the judgment which does not exceed the limit of this
Company's liability thereon;
(b) premiums on appeal bonds required in any such suit, premiums
on bonds to r'etease attachments for en amount not in excess of the
applicable limit of liability of this policy, but without any obligation
to apply for or furnish any such bonds;
(c) expenses .incurred by the.,lnsured for such immediate medical
and surgical refief to others as shall be imperative at the time of the
accident; .
(b) while elsewhere if such bodily injury (I ) arises out of the (d) all reasonable expenses, other than loss of earnings, incurred, by
premises` or a condition in the ways immediately adjoining, (2) is the Insured at this Company's request.
(OVER)
HOMEOWNERS POLICY — DWELLING 'SPECIAL FORM
PROVISIONS APPLICABLE TO SECTION I
DESCRIPTION OF PROPERTY
COVERAGE A — DWELLING.
This policy covers: (a) the building described, including additions In
contact therewith, occupied principally for dwelling purposes: (b) if
the property of the Insured and when not otherwise covered, building
equiprnent, fixtures and outdoor equipment, all pertaining to the service
of the premises and while located thereon or_temporarilyelsewh ere; and
(c) materials and supplies located on the premise's or adjacent thereto,
intended foruse in construction, alteration`or repair'of such dwelling.
Trees, shrubs; plants or lawns are not covered, except as provided else-
where in this form,
COVERAGE B — APPURTENANT PRIVATE STRUCTURES.
This policy covers private structures appertaining to the premises and
located thereon, including materials and supplies located on the prem.,
ises or adjacent thereto, intended for use in construction, alteration or
repair of such structures. This coverage does not include: (a) any struc-
ture used in whole or in part for commercial, manufacturing or farming
purposes; or (b) any structure (except structures used principally for
private garage purposes) which are wholly rented or leased to other
than a tenant of the described dwelling.
COVERAGE D — ARDITIONAL LIVING EXPENSE.
This paragraph cancels and replaces the description' of Coverage D
Residence Contents - Broad Form attached to this policy. With re-
1. Trees, shrubs, plants and lawns: The Named Insured may apply up
to 5% of the limit of liability for Coverage A to cover trees, shrubs and
plants on the premises (except those grown for commercial purposes);
but this Company shall not be liable for more than its proportion of
$250 on any one tree, shrub or plant, including expense incurred for re-
movin debris thereof. This Extension of Coverage appljes only to direct
loss by fire, lightning, smoke (except smoke from agricultural smudging
or industrial operations), explosion, riot, riot attending a strike, civil
commotion, aircraft, vehicles (except vehicles operated by an occupant
of the premises), vandalism and malicious mischief, or by theft. Cover-
age A shall also apply to lawns but only for direct loss by the perils as
named and limited in this paragraph. In no event shall the coverage
under this extension apply to the perils of windstorm and hail nor any
other risk of physical loss except those specifically set forth in this
paragraph.
2. Debris removal: This policy covers expenses incurred in the removal
of all debris of the property covered hereunder occasioned by loss
thereto for which coverage is afforded.,
3. Replacement cost — Coverages A and B: As respects building struc-
tures (meaning thereby only property which at the time of loss is an
essential part of any building structure):
(a) In the event of loss of such a building structure covered under
this policy, when the full cost of repair or replacement is both (I) less
than $1000' and (2) less than 5% of the whole arrlount of insurance
applicable to such building structure for the peril causing the loss,
the coverage of -this policy is extended to include the full cost of re-
pair or replacement (without deduction for depreciation),
(b) If at the time of loss the whole amount of insurance applicable
to said building structure for the peril causing the loss is 80% or
more of the full replacement cost of such building structure, the cov-
erage of this policy applicable to such building structure is extended
to include the full cost of repair or replacement (without deduction
for depreciation). • .
(c) If at.the time of loss the whole amount of insurance applicable
to said building structure for the peril causing the loss is less than
80% of the full replacement cost of such building structure, this Corrf=
ML43
(Ed. 9 -60)
(Florida)
AND INTERESTS COVERED
spec- to Coverages A, B and C this policy covers the necessary increase
in living expense resulting from loss by a peril insured against to the
property covered hereunder incurred by the Named Insured to continue
as nearly as practicable the normal standard of living of the Named In-
sured's household for the applicable period described in (a) or (p)
below:
(a) The'fime required, with the exercise of due diligence and dis-
patch, to repair or replace such damaged or destroyed property;
(b) The time required for the Named Insured's household to become
settled in permanent quarters.
This coverage includes the fair rental value of the described dwelling
and appur tenant private structures with respect to any portion thereof
rented or held for rental by an Insured and, as furnished by the owner,
for the period of time required with the exercise of due diligence and
dispatch to 'restore same to tenantable condition, less such charges and
expenses as do not continue.
The periods described above shall not be limited by the expiration of
this policy.
This Company shall also be liable under Coverage D for the period
of time, not_exceeding two weeks, while access to the premises is pro-
hibited) by 9rder of civil authority, but only when such order is given as
a direct result of damage to neighboring premises by a peril insured
against.
PERILS INSURED AGAINST
This policy with respect to Coverages A and B under Section 1 insures living expense resulting from such loss), except as hereinafter ex-
against all risks of physical loss (and under Coverage D, additional,. eluded,
EXTENSIONS OF COVERAGE
pany's liability for loss under this policy shall not exceed the larger of
the following amounts ( I ) or (2)
( I ) The actual' cash value' of that part of the building structure
damaged or destroyed;
(2) That proportion of the full cost of repair or replacement (with -
out deduction for depreciation) of that part of the building struc-
ture damaged or destroyed, which the whole amount of insurance
applicable to said building structure for the peril causing the loss
bears to 80% of the full replacement cost of such building structure.
(d) This Company's liability for loss under this policy including this
Extension Of Coverage shall not exceed the smallest of the following
amounts (1), (2), or (3):
(1) The limit of liability of this policy applicable to the damaged
or destroyed building structure;
(2) The replacement. cost of the building structure or any part
thereof identical with such building structure on the same premises
and intended for the same occupancy and use; _
(3). The amount actually and necessarily expended in repairing or
replacing said building structure or any part thereof intended for
the same occupancy and use.
This Company shall not be liable under paragraph (b) or subpara-
graph (2) of paragraph (c) of this Extension of Coverage for any loss
unless and until actual repair or replacement is completed.
(e( In determ ning,if the amount of insurance onthe building struc
fure, insured equals or exceeds 80% pf ifs replace cost the va.fue
of excavations, underground flues and pipes, underground wiring and
drains, and brick, stone and concrete foundations. piers - and other
supports which are below' the surface of the ground shall be dis-
regarded;
(f) The Named Insured may elect to disregard this Extension of
Coverage in making claim hereunder, but such election shall not
prejudice the Named Insured's right to make further claim within 180
days after loss for any additional liability brought by this Extension
of Coverage,
4. The foregoing Extensions of Coverage shall not increase the limit of
liability applying under this policy to the property damaged or de-
' sttOifed.'
DEDUCTIBLES
1. Loss Deductible Clause No 1 — Applicable only if so stated in the loss in each occurrence exceeds $100. When loss is between $100 and
Declarations, and this clause cancels and replaces Loss Deductible Clause $500 this Company shall be liable for 125% of loss in excess of $100
No 1 in the Residence Contents — Broad Form attached to this policy: and when loss Is $500 or more this loss deductible shall not apply. This
With respect to loss by windstorm or hail to buildings, structures or pet- loss deductible clause shall not apply to Coverage D (Additional Living
sonar property in the open, this Company, shall be Liable only when such Expense).
(OVER)
2. Loss Deductible Clause No. 2— Applicable only if so stated in the
Declarations, and this clause cancels and replaces Losi Deductible Clause
Na. 2 in Residence Contents Broad form attached to this policy: Wit
respect fo loss by any of the p insured` against other than;-
f or hghfninq 9.1:* .. ' ° c 4 �., - `1 ; .! 3
(b) windstorm or hail to buildings, structures or personal property in
the open,
This policy does not insure against losss
(a) by.termites or other insects; wear and fear; deterioration, smog,
drained an the water supply shut off during such vacancy or un-
sm from agricultural smudging or industrial operations; rust; wet occupancy; ✓
or dry rot;. mould;'mechanicat breakdown: settling; cracking, shrink lass (g) by vandalism and malicious mischief or
age, bulging or foundations, wells ors, or scribed property glass breakage e c u dpi
g 9�, 9, o t expansion of p avements, o roperty had been vacant beyond a period of 30 conn secutive.
ceilings; unless loss by fire; smoke (other than smoke from agricultural days , immediately preceding the loss; l
smudgin or, industrial. operations), explosion, collapse? water. not (h) retaining walls not constituting part of a, building when such
otherwise excluded or glass breakage ensues, and this Company shall loss is caused by the pressure of ice or Water;
then be liable only for such ensyinq,loss, •, c -.,
(b) by earthquake, landslide or other earth movement• unless loss by j w`rt tng�the by- e construction, cerr e o ao d emo l i state building (s
fire explosion' or ,breakage of glass constituting a part of the build- egu nof, b
)
ing(s)- covered hereunder, including glass' in storm doors and stgrrrt or I S'tructure(s) unless such liability is otherwise specifically assumed windows, windows;. ensues; and this Company shall then be liable only for such by end m
orseenf hereon, , _ •
ensuing loss•_ - , ,;,r , , !3 }: +
(c) caused by, resulting from contributed fo or aggravated by any
l'of.thefollowing :3 t: ,• ' r i 3' _ • -, -] -
(1) flood, surface wafer, waves, tidal wafer or tidal wave, overflow
of streams Pr other,. bodies of•watef, or spray from any_ of the fore-
y ` going, all_whether, •
drivel, by wind o ..not'
(f) water which backs up through sewers or drain , s;
(3) Water below the surface of the ground - including that which
e pressure or) or flows; seepf or leaks through sidewalks drive;
;. windows or any other openings in such sidewalk§, driveways, founda-
Wa ys,foundatp ; asernent, or other floors, or through doorse
+ ,eon's, walls or, floors; r i :. } , 4 •
unless loss by fire or explosion e an'd this Corppeny`sfiall the`rj
v
be Liable only fot such ensuing but this t exclusion_ doesnot;apply
, to IQss by theft;, i
(d) by theft in or to q dwelling u.nd @r construction or of materTals.o!
i i ,supplies-therefgr :_until .completed_e.nd. ready for occupancy,
1-- ( by_confaminafion c
t; ( L ° 'plumbing•t heating systern3 or their a pliarice3' or b leakage
'o r overflow from suC1i '
s stems'or appliances; caused by fe
J the described building (s) i3 vacant or unoccupied,' unless the Insured
shall have exercised due diligence with respect to main•taining,hea#
this Company shiall be liab only when such toss in each occurrence ex-
ceeds$50. When loss is between. $50 and $500 this Company shall, be
liable for 1 11% of loss in excess of $50 and when loss $500 or more
this loss deductible clause shall not apply. This loss deductible clause
shall not apply to Coverage D (Additional Living Expense).. t
No more than one deductible amount' shall apply in event of loss by
` F "fit`- windstorm or haul arising out of any one occurrence.
SPECIAL EXCLUSIQN 1 _ 7 ti
the bu•ildin9(s) such systems and appliances he been,
(j } by nuclear: reaction or nuclear: radiation or radioactive con-
tarninat;on, all whether controlled or uncontrolled. or dye to any act
or condition incident to any of the foregoing, whether such Toss be
direct or indirect,, proximate or remote, or: be in whole or ip part
caused by, contributed to, or aggravated by any of the perils insured
against by this policy;. and nuclear, reaction or nuclear radiation or
radioactive contamination, all whether controlled or uncontrolled, is
not •'explosion:' or !'smoke:': This exclusion (j) applies to all perils
insured against by this polic except the perils of fire and lightning;
which are provided for by the Nuclear Clause elsewhere iq
this pofic }) 1r) ". (� }:
(k)`b9 windsfiorni'arid hail fo the following properly; 'unle "ss Iiebilitji
therefor is assumed by endorsement hereon:' I) cloth awnings and
their frames; (2) fences; (3 seawall;' property line and similar walls;
(4)'greenho'uses' hot houses; slat - houses, trellises, pergolas,' ca banas
and' outdoor equipment pertaining tcii their service of the premises'
(5) "wharfs;` docks 'piers; boathouses, bulkheads or other struttiires
located over or Pa rtially over water' and the property therein' of
thereon; (6)'frees, 'shrubs and plants; and (7) loss to screening and
supports enclosing of partially enclosing pools, patios or other areas,
whether a se arate structurA on attached to a building; but this
exclusion shall not be construed- to exclude loss to screening and
suppefts of porches which are a part of dwellings.
t - ;CONDITIONA
1. to Clause - Loss hereGrldei' shalt "not reduce the'' limits of liability provided thaf irc case the mortgagor or'ownert shall neglect'to'pay any
under this policy. ' r: > 0 dues pnder this policy, the mortgagee (or Trustee) shall, on
2 . Nuclear Clouse: The word "fire" in this policy or endorsements at- demand, pay tFe same.
tffiched hereto is not intended td and does not embraeenuilear reaction
or nuclear radiation or radioactive contamination, all Whether controlled
6r.; °1.1riconfrolled; arid lost by nuclear reactiotf or nuclear radiation or
radioactive contamination, is_ got, intended to be and is not insured
against by this policy or said endorsemenfs,,whether such loss be direct_
or. indirect,. proximate of'renlo a or be ij whole or in Dart caused by
contributed, tb, of. aggravated, by "fire or any other_ perils Insured
against by this policy or, said endorsements; however, subject' to ^ the
foregoing and all provision's, of this policy,- direct loss,by_ fire' resulting
from nuclear or reaction n uclear: radiation, radioactive confamina-
fiop is insured against by this policy,.
'.T 1)1s� fojrq je. subject. to, �a11,, proyi�ions� se the caption
"Conditions' in Section 1' 'of" the Residence donfents — Broad Form
attached fo this policy. This form is otherwise subject to the provisions
Oh page: r' 2 and 3 of the'policy which this forrn is attached: •
f ,`,Morfgayee Clause (T■is entire clause is_void unless startle of Mar t -
geeee(s) (or Trvstee(s)) is, inseiteci in the Declarations); Loss or 'damage
if a ny, under, this policy, shall fie paya to the mortgagee (ortrusfee)
named On the :first page of policy, as interest may -appea . end this
insurance as tothe interest of the rilort9agee: (or trustee) only therein
shall got be invalidated by any ecf,'or n of the mortgagor✓ of
9wner o�f e wrth(n,descnb0d prol3erty,'nor by any foreclosure "or other
proceedin gs or notice'of sale relating to the property, nor by any change
in the title or ownership of the propertyrn4rby :ttiEocgupatigrl;d}.t1j"4,1
premises for purposes more hazardous than are permitted by this policy;
Jarjt4l'_' rat ? `1 r zilc'± l 9r) t- :r..`_ 1 1
'1?•.111 ;1() . ( • JC r .'i' - �
Provided also, that the mortgagee (or trustee) shall notify this com-
pany Of any change' of' owne'rship or occupancy or increase of hazard
which shall comb to the knowledge of said' mortgagee; or trustee} and,' •
unless'permitte by th s'ppolicy, it shall be "'nofed thereon and the mort:
gageei (or frusfee) `shelf,'on' demand, pay the 'premium for 'such in
creased: hazard for the term of the use thereof, otherwise this policy
shall be null - and void, - 7 F\ • ...,
This` company reserves the right to cancel this policy at any time as
provided by its term's; but in such case this policy shall continue id
force for the benefit only'of the mortgagee (or trustee) for ten;days
after notice tq the mortgagee (or trustee) of such 'cancellation and shall
then tease; and this company shall have the right; on like notice, to
cancel this- agreement.'" . ; ;
Whenever this cornptiny shall pay the mortgagee (or trustee) any sum
for foss or demageundet this policy, and shall claim that, as fo the mort:
gatjor owner,"no liability therefor existed, this company shalt, to the
exten +, of'sucli' payment, be thereupon legally subrogated to all the
rights 'of the party to whom such payment shall be made,, under, all
securifiei held as collateral to the rn,ortgag"'debt, Or 'may at its o'p
payto the'mortctlagee' for trustee) the ;whole principal due of to grow{
due ori the mortgage, with interest accrued shall thereupon receive
e full "a'ssign•men} and f(ansferof the mortgage and of all skich oth e.
securites, but no'su6rogetion\ shell irnpeir right of the mortgage?
(os ;trust e) fq, ,rp4o',vee. the fulkamount of said mortgagee's (or trus-
tee's) claim,
c y i
t.»
PROVISIONS APPLICABLE TO SECTION I
Counterfeit Paper Currency: This policy also covers
loss, not to exceed $200 for any one occurrence, due
to the acceptance by an Insured in good faith of
counterfeit United States paper currency, provided
loss is discovered during the policy period or not
later than sixty days from the end of the policy
period. This coverage shall not apply to any busi-
ness pursuits of an Insured, including business
pursuits therein which are ordinarily incident to
non - business pursuits.
Upon knowledge or discovery of loss under this cov-
erage, the Insured shall give notice thereof, as
soon as practicable, to this company or any of its
authorized agents and alsoto the police. The Insured
shall file detailed proof of loss, duly sworn to,
with this company within sixty days after the dis-
covery of loss.
The insurance under this coverage shall apply as
excess insurance over any other valid and collectible
insurance which would apply in the absence of this
coverage.
Fire Department Service: This policy is extended to
cover on the Named Insured's liability, assumed by
contract or agreement prior to the issuance of this
policy, for fire department charges (not to exceed
$100) where the fire department is called because of
a fire in, on or exposing property insured under the
policy to which this endorsement is attached, while
located on the premises described.
This insurance does not cover the Named Insured's
liability by contract or otherwise, to indemnify
either a city, municipality or fire protection dis-
trict, or any other person, firm or corporation
against loss, claim or liability arising by reason
of the movement or functioning of fire apparatus or
members of a fire department, or by reason of any
accident arising out of the performance of services
to Named Insured by any fire department.
It is a condition of this clause that the property
is not located within the limits of the city, muni-
cipality or fire protection district furnishing such
fire department response.
$150 Coverage on Money: Item 3 (a) under the caption
"Special Limits of Liability," in Section I of the
form attached to this policy which reads: "(a) For
more than $100 on money, bullion, numismatic proper-
ty and bank notes;" is amended to read:
Form ML 6107 -F (4 -61)
Endorsement NC -H0 -2
G'2,9 a/ SPECIAL ADDITIONAL COVERAGE ENDORSEMENT
(For Use with Homeowners Forms MIC -2 & MIC -3)
In consideration of the premium for the policy to which this endorsement is attached, the policy is hereby
amended as provided below:
"(a) For more than $100 on bullion, numismatic prop-
erty and bank notes nor more than $150 on money;"
The Foregoing Extensions of Coverage shall not in-
crease the limit of liability applying under this
policy to the property damaged or destroyed.
PROVISIONS APPLICABLE TO SECTION II
Additional Supplementary Payments - Loss of Wages or
Salary: Item 4 (d) under the caption "Insuring
Agreements" in Section II of the form attached to
this policy which reads: "(d) all reasonable ex-
penses, other than loss of earnings, incurred by the
Insured at this Company's request," is amended to
read:
"(d) actual loss of wages or salary, but not loss
of other income and not to exceed $25 per day,
incurred by the Insured because of his attend-
ance at trials at this company's request and
all other reasonable expenses incurred by the
Insured at such request."
Business Pursuits Coverage — Paragraph (a) under the
caption "Special Exclusions" in Section II of the
form attached to this policy is changed to read:
(Section II of this Policy Does Not Apply:)
(2) (1) to any business pursuits of an Insured,
other than under Coverage E and F, (i) activities
therein which are ordinarily incident to non -busi-
ness pursuits, or (ii) employment as a clerical
office employee (including employment as an execu-
tive officer whose duties are normally limited to
clerical office work) provided, however, that such
insurance shall not apply to business pursuits in
connection with a business solely owned by the In-
sured or owned by a partnership or joint venture of
which the Insured is a partner or member, nor shall
it apply to bodily injury to a fellow employee
arising out of an occurrence in the course of their
employment, (2) to the rendering of any professional
service or the omission thereof, or (3) to any act
or omission in connection with premises other than
as defined, which are owned, rented or controlled
by an Insured, but this subdivision (3) does not
apply with respect to bodily injury to a residence
employee arising out of and in the course of his
employment by the Insured, if the principal duties
of the employee for any insured are in connection
with a business of the Insured and if not assisting
him in his personal sports activities.
All other terms and conditions of this policy remain unchanged.
LAW OFFICES
STARR W. HORTON
Mr. Charles H. Markel
Director of Building & Zoning
Village of Miami Shores
10050 N. E. 2nd Avenue
Miami 38, Florida
Dear Mr. Markel:
SWH: nd
Enc1 :1
Res 950 N. T. 95th Street
Miami Shores, Florida
Pursuant to your telephone message of this morning, I
am enclosing herewith Memorandum of Insurance of Pol-
icy No. H 331385 as issued by National Casualty Com-
pany through House of Insurance, Inc.
Your very tru]
/ 1/ ._. f
i - % %t om
PARR W. HORTO 1
502 INDUSTRIAL NATL. BANK BLDG.
25 W. FLAGLER STREET
MIAMI 32, FLORIDA
FRANKLIN 7 -1627
July 18, 1962
G�.. t: ,
az 8M
L U ` M B E R
T, 0 P a BOTTOM CHORD
NO t SOUTHERN PINE OR
1500 f INDUSTRIAL.' FIR, .
N0:2 50UTHERN PINE OR
12 `�C
001. FIR
` '.... HAR t WARE
4 '
T RAE ORJ PLATE; !$ MAf2e.QF 20 GA.
. . E V MET AC .AND it IS
'Y �Ar��:. t#,q.7 ;; of PEQ' , , At; ',f. Mtt
j CRlR I;r. HA$ 4 UUoo'►(EP
ttiE[I{' .AND A�`I . fs COLLAR IMBEODE¢ INT)
L
1!>1MO94. ME ; . FQ11 EVERY- t.IO 5 IS, 4P METAE
t -I N LAI; OR: SQUARE
'
.:1t _ OP
QRI US �.' AN ' � AR9E4 ' . N ; '`F� R gMt .RY �` � N.
S 10 .� - Alb 0
s M Y VEN HaQUGI+ O,I25' OIAMEVERR
. HtjL,
t.* 140 p i P►O. tywN LIAR =JEIM
'
17 2 - f 63,
354 X 14 J4
3 T R E, S,S DIAGRAM
$ C A L E l 1000 1bs
losissL
PI
ON$ 16
12
3
., . DESIGN C R$:TERIA
TRUSS D RAFTER . SPACING 2 -0 9.c.
RESIGN LOA() OEStGN . LOAti 8.
�,wr'LO
A RS,P,
y �
CI A O t_OA O. to 0. S. F :
EI I G L Ala 5 P.$.F.'
LINE LOAD 30 PS.F.
DEAD LOAD- 15 ? S F`.'..
CEILING LOAD 10 $.F.
•
DESIGNED: Af.33,I /, .,°/b `• . DESIGNED AT IS °k
INCREASE FOR SHORT INCI?E Sd FOR LONG
TERM LQAOINc TERIj , LOADING .
DESIGN 1
USE ; SAME. OESIQN FQFt LOAt .
3910
+ 5730
2 X 4
3 6 - 4
1 7/S X 6
f
S C A 't< E 1/2
k \ r �rgr fi
t).
srir€ .Of
'`�CR10:
427
120
TOTAL % 1980
NET 1433
OPTIONAL SPLIC
- C1 4
A p? V t AN E1-
0f
S' PANS: 3 2
12
COMMON - USSED RAF
' - ° 36' .. 3: ON. 1
• 32 'THEW PAN . 9 .�- _ ..
N0TED
3 1- . et ,-
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For
Starr Horton
E. R, BROWNELL
2379 Coral Way
miami, Florida
•
SKETCH OF suRvax
Commence at the nOrthwest Other of Lot V of PL4T OF GOVT, LOT
4 of Sec. 1 andlti NO of Sq. of Soo. 6 of TwP. 530 42E,
Dade Co. Fla. according to the plat thereof recorded In Plat Book
5 at Pito 90 of the Public ReCords of Dade County, Florida;
thende tfin east along the north line of said Lot F for a distance
of 208.1 feet to a point of beginning; thence run south along a line
parallel 'with .the west line of said Lot F for a distance of 220 feet
to a point,: .thence run east along a line parallel with the said
north line Of said Lot P for a distance of 100 feet to a point;
thence run north for a distance of 220 fe4t More of 1eSs to a
'point on the north line Of said LOt Po $41d Point being 100 feet
east of the point of beginning; thence run west along the north
line of said Lot P for a distance of 100 feet to the point of
beginning
July 3, 1962
Scales as Shown
I HEREBY CERTIFY* That the attached "SKETCH OF SURVEY" of the
above desoribed property Is true and correct to the best of my
knowledge and belief as recently surveyed and platted under my
direction, also that there are no encroachments other than
those shown.
rowne
Registered Land Surveyor #928
State of Florida **
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