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Ifthereisanappraisal,wewillstillretainourright <br />D.TheConcealment,MisrepresentationOrFraud <br />todenytheclaim. <br />Conditionisreplacedbythefollowingwithrespect <br />tolossofdamagecausedbyfire: <br />H.Withrespecttoan"OpenPolicy",theLoss <br />PaymentConditionoftheStandardandSpecial <br />Wedonotprovidecoveragetotheinsuredwho, <br />PropertyFormisamendedbythefollowing: <br />whetherbeforeorafteraloss,hascommitted <br />fraudorintentionallyconcealedormisrepresented <br />1.ThefollowingchangesaremadetoSectionE. <br />anymaterialfactorcircumstanceconcerning: <br />PROPERTYLOSSCONDITIONS: <br />1.ThisCoveragePart; <br />a.Paragraph5.d.(1)(b)oftheLossPayment <br />conditionisdeletedandreplacedby: <br />2.TheCoveredProperty; <br />(b)Wewillnotpayonareplacement <br />3.Thatinsured'sinterestintheCovered <br />costbasisforanylossor <br />Property;or <br />damageuntilthelostordamaged <br />4.AclaimunderthisCoveragePartorCoverage <br />propertyisactuallyrepairedor <br />Form. <br />replaced,andthenonlysubjectto <br />deductionfordepreciation.Prior <br />E.TheConcealment,MisrepresentationOrFraud <br />tosuchrepairorreplacement, <br />Conditionisreplacedbythefollowingwithrespect <br />andinaccordancewiththeterms <br />tolossofdamagecausedbyaCoveredCauseof <br />applicableinthisParagraph5., <br />Lossotherthanfire: <br />LossPayment,wewillpaythe <br />ThisCoveragePartisvoidifanyinsured,whether <br />actualcashvalueofthelostor <br />beforeorafteraloss,hascommittedfraudor <br />damagedpropertyasdescribedin <br />intentionallyconcealedormisrepresentedany <br />Paragraph2.below.Iftheactual <br />materialfactorcircumstanceconcerning: <br />cashvaluedoesnotexhaustthe <br />1.ThisCoveragePart; <br />applicableLimitofInsurance,we <br />willthenpaythedifference <br />2.TheCoveredProperty; <br />betweentheactualcashvalue <br />3.Thatinsured'sinterestintheCovered <br />andthereplacementcost, <br />Property;or <br />providedthattherepairor <br />4.AclaimunderthisCoveragePartorCoverage <br />replacementiscompleted: <br />Form. <br />(i)Within12monthsafterour <br />paymentoftheactualcash <br />F.TheOtherInsurance-PropertyCoverage <br />value;or <br />Conditionisreplacedbythefollowing: <br />(ii)Within36monthsafterour <br />Ifthereisotherinsurancecoveringthesameloss <br />paymentoftheactualcash <br />ordamage,wewillpayourshareofthecovered <br />valueifthelossordamage <br />lossordamage.Ourshareistheproportionthat <br />relatestoastateof <br />theapplicablelimitofinsurancebearstothelimits <br />emergencyunderCalifornia <br />ofinsuranceofallinsurancecoveringonsame <br />Law. <br />basis. <br />Thefollowingprovisionappliesto <br />G.ParagraphE.2.,AppraisaloftheStandardand <br />realpropertywhichisused <br />SpecialPropertyFormisdeletedandreplaced <br />predominantlyforresidential <br />bythefollowing: <br />purposesandconsistingofnot <br />morethanfourdwellingunits,and <br />2.Ifweandyoudisagreeonthevalueofthe <br />tocoverageontenants' <br />propertyortheamountofloss,eithermay <br />householdpersonalpropertyina <br />makewrittenrequestforanappraisalofthe <br />residentialunit. <br />loss.Iftherequestisaccepted,eachpartywill <br />selectacompetentandimpartialappraiser. <br />Ifyou,actingingoodfaithand <br />Eachpartyshallnotifytheotherofthe <br />withreasonablediligence, <br />appraiserselectedwithin20daysofthe <br />encounteradelayordelaysin <br />request.Thetwoappraiserswillselectan <br />approvalfor,orreconstructionof, <br />umpire.Iftheycannotagreewithin15days, <br />theresidencethatarebeyond <br />eithermayrequestthatselectionbemadeby <br />yourcontrol,weshallprovideone <br />ajudgeofacourthavingjurisdiction.The <br />ormoreadditionalextensionsof <br />appraiserswillstateseparatelythevalueof <br />sixmonthsforgoodcause. <br />thepropertyandamountofloss.Iftheyfailto <br />Circumstancesbeyondyour <br />agree,theywillsubmittheirdifferencestothe <br />controlinclude,butarenotlimited <br />umpire.Adecisionagreedtobyanytwowill <br />to: <br />bebinding.Eachpartywill: <br />(i)Unavoidableconstruction <br />a.Payitschosenappraiser;and <br />permitdelays; <br />(ii)Thelackofnecessary <br />b.Beartheotherexpensesoftheappraisal <br />constructionmaterials;or <br />andumpireequally. <br /> <br />Page4of5FormSS01210220 <br /> <br />