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Section s. Cancellation; Notice of Loss. All policies of property insurance and comprehensive liability insurance maintained by the Association shall provide that the policies shall not be cancelled or substantially modified, for any reason, without at least 30 days prior written notice to the Association, to the FHA or FNMA (if applicable), all of the insureds and all Eligible Mortgagees. Section 6. Restoration in Lieu of Cash Settlement. All policies of property insurance maintained by the Association shall provide that, despite any provisions giving the insurer the right to elect to restore damage in lieu of a cash settlement, such option shall not be exercisable (i) without the prior written approval of the Association (or any Insurance Trustee) or (ii) when in conflict with provisions of any insurance trust agreement to which the Association may be a party, or any requirement of law. Section 7. No. Contribution. All policies of insurance maintained by the Association shall be the primary insurance where there is other insurance in the name of the Owner covering the same property, and may not be brought into contribution with any insurance purchased by Owners or their Eligible Mortgagees. Section 8. Effect of Acts Not Within Association's Control. All policies of insurance maintained by the Association shall provide that the coverage shall not be voided by or conditioned upon (i) any act or omission of an Owner or Eligible Mortgagee, unless acting within the scope of authority on behalf of the Association, or (ii) any failure of the Association to comply with any warranty or condition regarding any portion of the Property over which the Association has no control. Section 9. Owner's Personal Insurance. Each Owner may obtain additional personal insurance coverage at his or her own expense covering fire and other casualty to the Lot, personal property or personal liability. All insurance policies maintained by the Owners shall provide that they are without contribution as against the insurance purchased by the Association. ARTICLE X USE RESTRICTIONS Section 1. Waste. No damage to, or waste of, the properties or the buildings situated thereon, shall be committed by any Owner or any invitees of any Owner, and each Owner agrees to indemnify and hold harmless the Association and other Owners from and against all loss resulting from any such damage or waste caused by him or her or his or her invitee. No noxious, destructive or offensive activity shall be allowed on any Lot, nor shall anything be done thereon which may be or may become an annoyance or a nuisance to any other Owner or person at any time lawfully residing in the properties. Section 2. Restriction. All Owners and Occupants, and all secured parties, by their acceptance or assertion of an interest in the property, or by their occupancy of a Lot, covenants and agree that, in addition to any other restriction which may be imposed by the Act or the governing documents, the occupancy, use, operation, alienation and conveyance of the property shall be subject to the following restrictions contained in this Article. The property shall be owned, conveyed, encumbered, leased, used and occupied subject to the governing documents and the Act, as amended from time to time. All covenants, restrictions and obligations set forth in the governing documents are in furtherance of a plan for the property, and shall run with the property and be a burden and benefit to all the -Owners and Occupants and to any other person acquiring or owning an interest in the property, their heirs, 14