Cypress Property & Casualty Insurance Company

[Pages:82]Cypress Property & Casualty Insurance Company

Building and Personal Property Commercial Residential Policy

CPCFL BPPJ 07 15

Issue Date: 1/11/2021

Page 1 of 2

POLICY PROVISION: This Policy jacket with the Policy Declarations, Policy Form and Endorsements issued to form a part thereof, completes the policy as numbered on the Declarations Page. Whenever your policy is modified, you will receive a dated revision of the Policy Declarations.

IN WITNESS WHEREOF: In consideration of your paid premium, Cypress Property & Casualty Insurance Company is proud to extend to you the coverage offered by this insurance contract.

CYPRESS PROPERTY & CASUALTY INSURANCE COMPANY

Joseph King Co-Chief Executive Officer & President

Enda McDonnell Co-Chief Executive Officer & President

CPCFL BPPJ 07 15

Issue Date: 1/11/2021

Page 2 of 2

COMMERCIAL PROPERTY

12926 Gran Bay Parkway West Suite 200

Jacksonville, FL 32224-0230 Customer Service (877) 560-5224

Renewal Declarations

Policy Number: CCP0000043-02 Date Issued: 1/11/2021

Policy Period: 1/15/2021 to 1/15/2022 NAMED INSURED AND ADDRESS

12:01 A.M. Standard Time at the address of the Named Insured stated below. PRODUCER NAME AND ADDRESS

WHITLEY BAY CONDOMINIUM ASSOCIATION 2560 PALM LAKE DRIVE MERRITT ISLAND, FL 32952

Advanced Insurance LLC D/B/A: SJR Insurance Company 3815 N US Highway 1, Unit 118 Cocoa, FL 32926

Phone number: OFFICE@

Florida Agent License Number: W081401 Telephone number: 3212642434

BUSINESS DESCRIPTION: Condominium Association

IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY.

THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED. THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENTS.

COVERAGE

PREMIUM

Commercial Property Coverage Part

$

50,460.00

The above premiums contemplate Terrorism Coverage as indicated below:

Terrorism Coverage Premium: $ 0.00

Terrorism (fire only) Premium: $ 0.00

Subtotal $

Policy Fee

Fire College Trust Fund

Emergency Management Preparedness and Assistance Trust Fund Fee

Florida Hurricane Catastrophe Fund __________ Assessment

Federal Insurance Guaranty Association __________ Assessment

Federal Insurance Guaranty Association ____________ Emergency Assessment

Citizens Property Insurance Corporation _____________ Assessment

Citizens Property Insurance Corporation _____________ Emergency Assessment

State Fire Marshall __________ Regulatory Assessment

50,460.00

$25.00 $0.00 $4.00 $0.00 $0.00 $0.00 $0.00 $0.00

$50.46

PREMIUM SHOWN IS PAYABLE: $_____5_0_,_53_9_._46__ AT INCEPTION

TOTAL $

50,539.46

FORM(S) AND ENDORSEMENT(S) MADE A PART OF THIS POLICY AT TIME OF ISSUE: *

CPCFL BPPJ, CPCFL DEC2, CPCFL 130E, CPCFL TRIA PD, CPCFL 00 12, IL0017, CPCFL 00 02 TOC, CP0017, CPCFL 00 90, CP1030, CP0125, CP0191, CP0323, CPCFL 130C, CPCFL 01 12, CPCFL0405, CP1440, CP1410, IL0935, IL0255, IL0953, CPCFL 00 01, CPCFL 14 20, CPCFL FW 01, CPCFL 00 11

* Omits applicable Forms and Endorsements if shown in specific Coverage Part/Coverage Form Declarations.

THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR HURRICANE LOSSES,WHICH MAY RESULT IN HIGH OUT-OFPOCKET EXPENSES TO YOU.

Countersigned:

CPCFL DEC2 05 17

By: ________________________________________________

Authorized Representative

Issue Date: 1/11/2021

Date: 1/11/2021

Page 1

Policy Number:

CCP0000043-02

Transaction:

Renewal

Named Insured:

WHITLEY BAY CONDOMINIUM ASSOCIATION

Effective:

1/11/2021

Date Issued: 1/11/2021

DESCRIPTION OF PREMISES:

COMMERCIAL PROPERTY COVERAGE SCHEDULE

POLICY PERIOD

To:

1/15/2021

From:

1/15/2022

THIS POLICY CONTAINS A CO-PAY PROVISION THAT MAY RESULT IN HIGH OUT-OF POCKET EXPENSES TO YOU.

Coinsurance contract: The rate charged in this policy is based upon the use of the coinsurance clause attached to this policy, with the consent of the insured.

CPCFL DEC 2 05 17

Issue Date: 1/11/2021

Page 2

Policy Number:

Transaction:

CCP0000043-02

Named Insured:

WHITLEY BAY CONDOMINIUM ASSOCIATION

Effective:

Date Issued: 1/11/2021

COMMERCIAL PROPERTY COVERAGE SCHEDULE

POLICY PERIOD

To:

1/15/2021

From:

1/15/2022

DESCRIPTION OF PREMISES:

Prem. No. Bldg. No.

1

1

Location, Construction and Occupancy RESIDENTAL BUILDING

93 DELANNOY AVECOCOA, FL 32922

Protection Class

4

BCEG S Cod e

Fire Resistive

Windstorm Mitigation Features:

Terrain

YOC

B

2004

Roof Cover A - FBC

Roof Deck D - Reinforced concrete roof deck

Roof-Wall Connection E - Structural

SWR

A - SWR

Building Type Residential Building

Roof Shape B - Flat

Opening Protection Unknown or undetermined

FBC Wind Speed N/A

FBC Wind Design N/A

A rate adjustment of N/A% credit is included to reflect the Windstorm Mitigation Device Credit. This credit applies only to the wind portion of your premium. Adjustments range from N/A % to N/A % credit.

A rate adjustment of (+-) N/A % is included to reflect the Building Code Effectiveness Grade for your area. Adjustments range from N/A % surcharge to N/A % credit.

COVERAGE PROVIDED: insurance at the described premises applies only to coverages for which a limit of insurance is shown.

Prem. No. 1

Bldg. No. 1

Limits Bldg. $ 23,274,056

BPP $ 30,000

Covered Causes of Loss Special

Coinsurance Agreed Amount

Rates Included

OPTIONAL COVERAGE: APPLICABLE ONLY WHEN ENTRIES ARE MADE IN THE SCHEDULE BELOW.

Prem. No. Bldg. No. EXPIRATION DATE

COVERAGE

AMOUNT

Replacement Cost

PERSONAL PROPERT Y INCLUDING "ST OCK'

1

1

BUILDING

MORTGAGE HOLDER(S):

Prem. No. Bldg. No.

1

1

MORTGAGE HOLDER NAME AND MAILING ADDRESS

STANDARD ALL OTHER PERILS DEDUCTIBLE: $5,000

HURRICANE DEDUCTIBLE: 466,081

SINKHOLE LOSS DEDUCTIBLE:

FORMS AND ENDORSEMENTS: Applying to this coverage and made part of this policy at time of issue.

APPLICABLE TO ALL COVERAGES:

APPLICABLE TO SPECIFIC COVERAGES:

Prem. No. Bldg. No. 1

COVERAGES

PREMIUM FOR THIS COVERAGE PART: $___________

Premium shown is payable:

$

at inception.

CSP CODE

CPCFL DEC2 05 17

Issue Date: 1/11/2021

Page 3

Policy Number:

Transaction:

CCP0000043-02

Named Insured:

WHITLEY BAY CONDOMINIUM ASSOCIATION

Effective:

Date Issued: 1/11/2021

COMMERCIAL PROPERTY COVERAGE SCHEDULE

POLICY PERIOD

To:

1/15/2021

From:

1/15/2022

DESCRIPTION OF PREMISES:

Prem. No. Bldg. No.

1

2

REC ROOM

Location, Construction and Occupancy

93 DELANNOY AVECOCOA, FL 32922

Protection Class

4

BCEG S Cod e

Joisted Masonry

Windstorm Mitigation Features:

Terrain

YOC

B

2004

Roof Cover N/A

Roof Deck N/A

Roof-Wall Connection N/A

SWR

N/A

Building Type Clubhouse

Roof Shape B - Flat

Opening Protection N/A

FBC Wind Speed N/A

FBC Wind Design N/A

A rate adjustment of N/A% credit is included to reflect the Windstorm Mitigation Device Credit. This credit applies only to the wind portion of your premium. Adjustments range from N/A % to N/A % credit.

A rate adjustment of (+-) N/A % is included to reflect the Building Code Effectiveness Grade for your area. Adjustments range from N/A % surcharge to N/A % credit.

COVERAGE PROVIDED: insurance at the described premises applies only to coverages for which a limit of insurance is shown.

Prem. No. 1

Bldg. No. 2

Limits Bldg. $ 407,152

BPP $ 40,000

Covered Causes of Loss Special

Coinsurance Agreed Amount

Rates Included

OPTIONAL COVERAGE: APPLICABLE ONLY WHEN ENTRIES ARE MADE IN THE SCHEDULE BELOW.

Prem. No. Bldg. No. EXPIRATION DATE

COVERAGE

AMOUNT

Replacement Cost

PERSONAL PROPERT Y INCLUDING "ST OCK'

1

2

BUILDING

MORTGAGE HOLDER(S):

Prem. No. Bldg. No.

1

2

MORTGAGE HOLDER NAME AND MAILING ADDRESS

STANDARD ALL OTHER PERILS DEDUCTIBLE: $5,000

HURRICANE DEDUCTIBLE: 8,943

SINKHOLE LOSS DEDUCTIBLE:

FORMS AND ENDORSEMENTS: Applying to this coverage and made part of this policy at time of issue.

APPLICABLE TO ALL COVERAGES:

APPLICABLE TO SPECIFIC COVERAGES:

Prem. No. Bldg. No. 1

COVERAGES

PREMIUM FOR THIS COVERAGE PART: $___________

Premium shown is payable:

$

at inception.

CSP CODE

CPCFL DEC2 05 17

Issue Date: 1/11/2021

Page 4

Policy Number:

Transaction:

CCP0000043-02

Named Insured:

WHITLEY BAY CONDOMINIUM ASSOCIATION

Effective:

Date Issued: 1/11/2021

COMMERCIAL PROPERTY COVERAGE SCHEDULE

POLICY PERIOD

To:

1/15/2021

From:

1/15/2022

DESCRIPTION OF PREMISES:

Prem. No. Bldg. No.

1

3

Location, Construction and Occupancy EXERCISE ROOM

93 DELANNOY AVECOCOA, FL 32922

Protection Class

4

BCEG S Cod e

Joisted Masonry

Windstorm Mitigation Features:

Terrain

YOC

B

2004

Roof Cover N/A

Roof Deck N/A

Roof-Wall Connection N/A

SWR

N/A

Building Type Fitness Center

Roof Shape N/A

Opening Protection N/A

FBC Wind Speed N/A

FBC Wind Design N/A

A rate adjustment of N/A% credit is included to reflect the Windstorm Mitigation Device Credit. This credit applies only to the wind portion of your premium. Adjustments range from N/A % to N/A % credit.

A rate adjustment of (+-) N/A % is included to reflect the Building Code Effectiveness Grade for your area. Adjustments range from N/A % surcharge to N/A % credit.

COVERAGE PROVIDED: insurance at the described premises applies only to coverages for which a limit of insurance is shown.

Prem. No. 1

Bldg. No. 3

Limits Bldg. $ 184,467

BPP $ 40,000

Covered Causes of Loss Special

Coinsurance Agreed Amount

Rates Included

OPTIONAL COVERAGE: APPLICABLE ONLY WHEN ENTRIES ARE MADE IN THE SCHEDULE BELOW.

Prem. No. Bldg. No. EXPIRATION DATE

COVERAGE

AMOUNT

Replacement Cost

PERSONAL PROPERT Y INCLUDING "ST OCK'

1

3

BUILDING

MORTGAGE HOLDER(S):

Prem. No. Bldg. No.

1

3

MORTGAGE HOLDER NAME AND MAILING ADDRESS

STANDARD ALL OTHER PERILS DEDUCTIBLE: $5,000

HURRICANE DEDUCTIBLE: 4,489

SINKHOLE LOSS DEDUCTIBLE:

FORMS AND ENDORSEMENTS: Applying to this coverage and made part of this policy at time of issue.

APPLICABLE TO ALL COVERAGES:

APPLICABLE TO SPECIFIC COVERAGES:

Prem. No. Bldg. No. 1

COVERAGES

PREMIUM FOR THIS COVERAGE PART: $___________

Premium shown is payable:

$

at inception.

CSP CODE

CPCFL DEC2 05 17

Issue Date: 1/11/2021

Page 5

Policy Number:

Transaction:

CCP0000043-02

Named Insured:

WHITLEY BAY CONDOMINIUM ASSOCIATION

Effective:

Date Issued: 1/11/2021

COMMERCIAL PROPERTY COVERAGE SCHEDULE

POLICY PERIOD

To:

1/15/2021

From:

1/15/2022

DESCRIPTION OF PREMISES:

Prem. No. Bldg. No.

1

4

POOL

Location, Construction and Occupancy

93 DELANNOY AVECOCOA, FL 32922

Protection Class

4

BCEG S Cod e

Joisted Masonry

Windstorm Mitigation Features:

Terrain

YOC

B

2004

Roof Cover N/A

Roof Deck N/A

Roof-Wall Connection N/A

SWR

N/A

Building Type Pool

Roof Shape N/A

Opening Protection N/A

FBC Wind Speed N/A

FBC Wind Design N/A

A rate adjustment of N/A% credit is included to reflect the Windstorm Mitigation Device Credit. This credit applies only to the wind portion of your premium. Adjustments range from N/A % to N/A % credit.

A rate adjustment of (+-) N/A % is included to reflect the Building Code Effectiveness Grade for your area. Adjustments range from N/A % surcharge to N/A % credit.

COVERAGE PROVIDED: insurance at the described premises applies only to coverages for which a limit of insurance is shown.

Prem. No. 1

Bldg. No. 4

Limits Bldg. $ 85,000

BPP $ 0

Covered Causes of Loss Special

Coinsurance Agreed Amount

Rates Included

OPTIONAL COVERAGE: APPLICABLE ONLY WHEN ENTRIES ARE MADE IN THE SCHEDULE BELOW.

Prem. No. Bldg. No. EXPIRATION DATE

COVERAGE

AMOUNT

Replacement Cost

PERSONAL PROPERT Y INCLUDING "ST OCK'

1

4

BUILDING

MORTGAGE HOLDER(S):

Prem. No. Bldg. No.

1

4

MORTGAGE HOLDER NAME AND MAILING ADDRESS

STANDARD ALL OTHER PERILS DEDUCTIBLE: $5,000

HURRICANE DEDUCTIBLE: 1,700

SINKHOLE LOSS DEDUCTIBLE:

FORMS AND ENDORSEMENTS: Applying to this coverage and made part of this policy at time of issue.

APPLICABLE TO ALL COVERAGES:

APPLICABLE TO SPECIFIC COVERAGES:

Prem. No. Bldg. No. 1

COVERAGES

PREMIUM FOR THIS COVERAGE PART: $___________

Premium shown is payable:

$

at inception.

CSP CODE

CPCFL DEC2 05 17

Issue Date: 1/11/2021

Page 6

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