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d. We will not refuse to renew such coverage 3. We are not required to send notice of solely because corrosive soil conditions nonrenewal in the following situations: exist on the premises. This restriction (d.) a. if the transfer or renewal of a policy, without applies only if coverage is subject to one of any changes in terms, conditions or rates, the following, which exclude loss or is between us and a member of our damage caused by or resulting from insurance group. corrosive soil conditions: (1) Commercial Property Coverage Part -- b. If the policy has been extended for 90 days Causes Of Loss—Special Form; or or less, provided that notice has been given in accordance with Paragraph C.1. (2) Farm Coverage Part -- Causes Of Lass c. If you have obtained replacement coverage, Form — Farm Property, Paragraph D. or if the first Named Insured has agreed, in Covered Causes Of Loss—Special. writing, within 60 days of the termination of e. If a state of emergency under California the policy, to obtain that coverage. Law is declared and the residential property d. if the policy is for a period of no more than is located in any ZIP Code within or 60 days and you are notified at the time of adjacent to the fire perimeter, as issuance that it will not be renewed. determined by California Law, we may not nonrenew this policy for one year, e. If the first Named Insured requests a beginning from the date the state of change in the terms or conditions or risks emergency is declared, solely because the covered by the policy within 60 days of the dwelling or other structure is located in an end of the policy period. area in which a wildfire has occurred. f. If we have made a written offer to the first However, we may nonrenew: Named Insured, in accordance with the (1) If willful or grossly negligent acts or timeframes shown in Paragraph CA., to renew the policy under changed terms or omissions by the Named Insured, or his conditions or at an increased premium rate, or her representatives, are discovered that materially increase any of the risks when the increase exceeds 25%. insured against; (2) If losses unrelated to the postdisaster loss condition of the property have occurred that would collectively render the risk ineligible for renewal; or (3) If there are physical changes in the property insured against, beyond the catastrophe-damaged condition of the structures and surface landscape, which result in the property becoming uninsurable. Page 4 of 4 ®insurance Services Office, Inc., 2019 EL 02 70 1219 85745245 1 25-26 A/G/U/W/Poll/RW I Marlsaa Rome 1 6/12/2025 9:47:17 AM (PDT) I Page 11 of 22