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year,beginningfromthedatethestateof <br />(1)Thenonrenewalisbasedonsound <br />emergencyisdeclared,solelybecause <br />underwritingprinciplesthatrelateto <br />thedwellingorotherstructureislocated <br />thecoveragesprovidedbythispolicy <br />inanareainwhichawildfirehas <br />andthatareconsistentwiththe <br />occurred. <br />approvedratingplanandrelated <br />documentsfiledwiththeDepartment <br />However,wemaynonrenew: <br />ofInsuranceasrequiredbyexisting <br />(1)Ifwillfulorgrosslynegligentactsor <br />law; <br />omissionsbythenamedinsured,or <br />hisorherrepresentatives,are <br />(2)TheCommissionerofInsurancefinds <br />discoveredthatmateriallyincrease <br />thattheexposuretopotentiallosses <br />anyoftheriskinsuredagainst. <br />willthreatenoursolvencyorplaceus <br />inahazardouscondition.A <br />(2)Iflossesunrelatedtothepostdisaster <br />hazardousconditioninwhichwe <br />lossconditionofthepropertyhave <br />makeclaimspaymentsforlosses <br />occurredthatwouldcollectively <br />resultingfromanearthquakethat <br />rendertheriskineligibleforrenewal; <br />occurredwithintheprecedingtwo <br />or <br />yearsandthatrequiredareductionin <br />(3)Iftherearephysicalchangesinthe <br />policyholdersurplusofatleast25% <br />propertyinsuredagainst,beyondthe <br />forpaymentofthoseclaims;or <br />catastrophe-damagedconditionofthe <br />(3)Wehave: <br />structuresandsurfacelandscape, <br />whichresultinthepropertybecoming <br />(a)Lostorexperiencedasubstantial <br />uninsurable. <br />reductionintheavailabilityor <br />scopeofreinsurancecoverage;or <br />3.Wearenotrequiredtosendnoticeof <br />nonrenewalinthefollowingsituations: <br />(b)Experiencedasubstantial <br />increaseinthepremiumcharged <br />a.Ifthetransferorrenewalofapolicy, <br />forreinsurancecoverageofour <br />withoutanychangesinterms,conditions, <br />residentialpropertyinsurance <br />orrates,isbetweenusandamemberof <br />policies;and <br />ourinsurancegroup. <br />theCommissionerhasapproved <br />b.Ifthepolicyhasbeenextendedfor90 <br />aplanforthenonrenewalsthatis <br />daysorless,providedthatnoticehas <br />fairandequitable,andthatis <br />beengiveninaccordancewithparagraph <br />responsivetothechangesinour <br />C.1. <br />reinsuranceposition. <br />c.Ifyouhaveobtainedreplacement <br />c.Wewillnotrefusetorenewsuchcoverage <br />coverage,orifthefirstNamedInsured <br />solelybecausethefirstNamedInsuredhas <br />hasagreed,inwriting,within60daysof <br />cancelledordidnotrenewapolicy,issuedby <br />theterminationofthepolicy,toobtain <br />theCaliforniaEarthquakeAuthoritythat <br />thatcoverage. <br />includedanearthquakepolicypremium <br />d.Ifthepolicyisforaperiodofnomore <br />surcharge. <br />than60daysandyouarenotifiedatthe <br />d.Wewillnotrefusetorenewsuchcoverage <br />timeofissuancethatitwillnotbe <br />solelybecausecorrosivesoilconditionsexist <br />renewed. <br />onthepremises.Thisrestriction(d)applies <br />e.IfthefirstNamedInsuredrequestsa <br />onlyifcoverageissubjecttotheSpecial <br />changeinthetermsorconditionsorrisks <br />PropertyCoverageForm,whichexcludesloss <br />coveredbythepolicywithin60daysof <br />ordamagecausedbyorresultingfrom <br />theendofthepolicyperiod. <br />corrosivesoilconditions. <br />f.Ifwehavemadeawrittenoffertothefirst <br />IfastateofemergencyunderCaliforniaLaw <br />NamedInsured,inaccordancewiththe <br />isdeclaredandtheresidentialpropertyis <br />timeframesshowninparagraphC.1.,to <br />locatedinanyZIPCodewithinoradjacentto <br />renewthepolicyunderchangedtermsor <br />thefireperimeter,asdeterminedbyCalifornia <br />conditionsoratanincreasedpremium <br />Law,wemaynotnonrenewthispolicyforone <br />rate,whentheincreaseexceeds25%. <br />Ifthereisanappraisal,wewillstillretainour <br />righttodenytheclaim. <br /> <br />FormSS01210220Page3of5 <br /> <br />