保险公司条款中一段话的解读

来源: 2018-06-19 20:50:04 [] [旧帖] [给我悄悄话] 本文已被阅读: 次 (1526 bytes)

HOA里面关于保险有这么一段话,请问这个里面的Betterments and Improvements是只包含屋主自己做的装修还是说builder当时卖房时装的地板,橱柜也算在内呢?

The association shall obtain and maintain at all times a policy or policies of property and casualty insurance covering all buildings and improvement located on the Property, including all unites and all improvement located in the Common Area, in an amount not less than one hundred percent of the replacement cost of such improvements at the time such insurance is purchased and at the time of each renewal thereof, exclusive of the costs of excavation, paving, foundations and footings, with a commercially reasonable deductible not in excess of $10,000.

Property Insurance maintained and provided hereunder shall not be required to cover any “Betterments and Improvements” to a Unit. For purposes of this paragraph, “Betterments and Improvements” are defined to include any real or personal property located within the walls of a Unit beyond the first coat of interior paint on those walls and shall include, without limitation, décor and decorations within a unit, wall coverings, cabinetry, appliances, fixtures and any other real or personal property located within the Unit, regardless of whether such property was installed or placed in the Unit by the Declarant, a Builder, any prior Owner, user or occupant, or the current Owner, user, or occupant.

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