NOTICE AND PROOF OF LOSS. The Insured shall as soon as practicable report to this Insurer or its agent every loss or damage which may become a claim under this Policy and shall also file with the Insurer or its…

AVERAGE (CO-INSURANCE). If the property hereby insured shall, on the happening of any loss or damage be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own Insurer for the difference,…

Assignment. The assignment of this Policy, or this subrogation of any right hereunder to any party without the written consent of the Insurer, shall render this insurance null and void.

Cancellation Of The Insurance. The insurance may be terminated at any time at the request of the Insured, in which case the Insurer will retain the customary short period rate for the time the Policy has been in force.

Misdescription. This Policy shall be void if the Insured has concealed or misrepresented any material fact or circumstances concerning this insurance or the subject thereof or in any case of any fraud, attempted fraud or false swearing by the Insured…

Time Limit For Insurer’s Liability. In no case whatever shall the Insurer be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of…

Notices. Every notice and other communication to the Insurer required by these conditions must be written or printed.

If any difference arises as to the amount of any loss or damage, such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference or…