East Lake Woodlands Cypress Estates Condominium Unit One As…

Effective: 1/1/2026

Risk Management Proposal for:

East Lake Woodlands Cypress Estates Condominium Unit One Association, Inc

PCS Insurance Group Inc. 3315 Henderson Blvd, Suite 200

PCS Insurance Group Inc | Confidential

2 EUansitt OLankeeAWssooocdialatinodns, ICnycpress Estates Condominium

About PCS Insurance Group Pt hCeS fIansstue rs at ngcreo wG ri no ug pa igse an cpi reisv ai nt e tl yh eo ws tna et ed. , Of uul lr sfeorcvui sc eopnr ot hpee rqt uy ai lni tsyu roaf noc ue ra gc ae rnrci ye rasn, ds poencei foi cf mFloarrkideat pkrnoopwelretdygiensaunrdanhcigehinedthuisctarlys. tandards have earned us recognition as a leader in the Op ruorpdeiratgyn, ob sr ti ni cgai npgp rpoeaacche hoef lmp si nodu ra nc ldi ecnotns fti od ednect ee rtmo itnheo st he ewbheos tdion sbuursai nn ce es sc owvi et hr aoguerf oa gr et hn ec yi r. Wc o em bpirni ad tei o on uor fs et lavi leosr eodn i npsruorvai nd ci ne gc ot vheer ahgi eg.hPe Cs tS lheavse lbs e eonf bs ue ri lvt i coen adne dv e lfoi npdi ni ng gc ot mh em ri ti tgehdt ryeolua tai or en sthi ri epds wo fi twh oorukri negx iws ti itnhgac gl iaerndt es na-nv da rsi ee tl ey citni vs eulrya np cuer saugi enng cny e, ww el oi nn gv i tt ee rymo up at or t nf oerrgse. Iaf new relationship with PCS, the property specialists.

East Lake Woodlands Cypress Estates Condominium Unit One Association, Inc 3 Our Commitment Ac ot mPmC Si t mI ne snut raanndc ew eG pr or uo pv i, d seetrhvei chei gihs e shtolwe v ewl eo f sseetr voi cuer swe il tvhe si n taepgarri tt .y . OWu er t calki eenpt rs i daer ei n ot hu er qt ou ae lsittaybol if sohulropnrgotdeur cmt sraenl adt itohne sphei pr ssown ai tlhi z oe ud rs ec lriveinc tes wa ne do fmf ear i. nTthaiisn aap lporyoaal cghr ho ua sp aol fl o“wA ”e dr aPt Ce dS insurance carriers that have partnered with us year after year. At htePyC dS ewmeasnt rdi vaentdo hg ai vvee ael lvpe or yl i cryi ghhotl dteor se xt hp ee cmt . oAs ts cao mt eps teat mi t ievne tr at ot eos uarn dc ot mh emqiut ma l ietnyto, fPsCeSr vhi ca es earned Vendor of the Year recognition from many of our clients. Service Highlights:  Dedicated Community Association Service Team  COowmnperlimpoelnictyary unit owner coverage reviews: Explanation of Master policy vs. Unit  Less than 24 hr turn-around on certificate requests  Assistance with budget projections well in advance of renewal  We work throughout the claims process with each client who has experienced a loss

4 EUansitt OLankeeAWssooocdialatinodns, ICnycpress Estates Condominium

Community Association Service Team Ap rl lo Pv iCdSi nI gn sau rwa enaclet hG or of ur pe scol ui ernc tess at roe saesrsvi eg nt eh de i tr onae et de as .m Yoof usrp teecai aml i swt si l wl ihnoc l aurdee daend iacsastiegdn et do Ae xc pc oe rutni st e Ei nx eCchuat ipvtee rw7 h1 o8 ri se qau iLr iecme ne snet ds , aCnodmamCul aniimt ys MT eaanma greera, day tPoe ar sdovnoac la tLei no ensy ot euarmb ewh ai tl hf . Oe xuprepr ireonf ec es s iaonnda l se xpprei dr tei steh etmo sme leveets oo nu re xc cl ieelnl et ns ’t isnesruvri caen, caen dn eaerdes .d eYdoiuc ra t eSde rtvoi cue s iTnega tmh e ii sr committed to anticipating and fulfilling your insurance needs . Ultimate accountability for your program is the responsibility of Anthony de la Torre. While a number of professional staff will be active with your account on a day -to-day basis, Anthony is responsible for meeting your expectations.

Condominium Service Team Members A n( t8h1o3n) y8d6e8 l- a1 0T 1o 0r r e adelatorre@pcsins.com Agent Ch(r8i1st3in) a86W8a-1gg0o1n0er cwaggoner@pcsins.com EAx ceccouut invte ( 8S1u3s)i e8 6B8a -x1l e0y1 0 sbaxley@pcsins.com Claims Certificates Department (813) 868-1010 certificates@pcsins.com Certificates Position

Unit Owner Service Team Members

Position

( 8D1a3m) i8e n6 8B- o1y0l1e0 dboyle@pcsins.com UI nn istuOr awnnceer ( 8A1l3e)x i8s6R8o- 1l o0n1 0 arolon@pcsins.com UI nn istuOr awnnceer (81A3le) x8L6o8p-1e0z10 alopez@pcsins.com UI nn istuOr awnnceer (P8a1t3t i) M8 6c K8 -e1n0z1i e0 pmckenzie@pcsins.com UI nn istuOr awnnceer

East Lake Woodlands Cypress Estates Condominium Unit One Association, Inc 5

Property Location Schedule g

Location Address 217-228 Cypress Lane $1,805,562 Building Limit 117-132 Cypress Lane $2,318,572 201-216 Cypress Lane $2,318,572 101-116 Cypress Lane $2,298,102 229-244 Cypress Lane $2,298,102 133-148 Cypress Lane $2,298,102 149-164 Cypress Lane $2,298,102 245-260 Cypress Lane $2,298,102 180 Cypress Lane $1,124,640 180 Cypress Lane $94,257 180 Cypress Lane $66,916 $19,219,029 Total

Contents

Occupancy Condo – 12 Units Condo – 16 units Condo – 16 units Condo – 16 Units Condo – 16 Units Condo – 16 Units Condo – 16 Units Condo – 16 Units Carports Pool Side Cabana Swimming Pool

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

 Insurable values are based on December 12 th , 2024 Appraisal

 The following items are not eligible for property coverage through American Coastal: o Entry Sign

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Property Coverage

Carrier:

American Coastal Insurance Company

A Admitted $19,219,029 Replacement Cost Agreed Value

Demotech Carrier Rating:

Special Form, including Equipment Breakdown

Coverage:

Limit of Insurance:

Valuation:

Coinsurance:

tAhserveas lpueec tosf tt oh eNda amme adgHe du rbr ui ci al dnien g&( sW) , i pn edrDcrailveennd aRra yi ne:a5r % o f (Please refer to Premium Summary page for 3% deducible option) Abusirldesinpge(cst)s to Sinkholes: 3% of the value of the damaged All Other Peril: $25,000 per occurrence Coverage A, B & C combined sublimit: $1,000,000 $250,000 per occurrence

Deductible:

Ordinance or Law:

Wind Driven Rain:

$50,000 per occurrence $150,000 per occurrence

Mold:

Sewer Backup:

Exclusions (included, but not limited to):  Asbestos  Nuclear  Pollution  Flood  Earthquake  Existing Damage

East Lake Woodlands Cypress Estates Condominium Unit One Association, Inc 7 Hurricane Deductible Comparison: 3% vs 5%

Location Address Occupancy 217-228 Cypress Lane $1,805,562 $54,167 $90,278 Condo – 12 Units 117-132 Cypress Lane $2,318,572 $69,557 $115,929 Condo – 16 units 201-216 Cypress Lane $2,318,572 $69,557 $115,929 Condo – 16 units 101-116 Cypress Lane $2,298,102 $68,943 $114,905 Condo – 16 Units 229-244 Cypress Lane $2,298,102 $68,943 $114,905 Condo – 16 Units 133-148 Cypress Lane $2,298,102 $68,943 $114,905 Condo – 16 Units 149-164 Cypress Lane $2,298,102 $68,943 $114,905 Condo – 16 Units 245-260 Cypress Lane $2,298,102 $68,943 $114,905 Condo – 16 Units 180 Cypress Lane $1,124,640 $33,739 $56,232 Carports 180 Cypress Lane $94,257 $2,828 $4,713 Pool Side Cabana 180 Cypress Lane $66,916 $2,007 $3,346 Swimming Pool Total $5,408,833 $576,570 $960,952 Building Limit 3% 5%

The 3% deductible reduces the Association’s exposure by $384,382

8 EUansitt OLankeeAWssooocdialatinodns, ICnycpress Estates Condominium

Coverage Form Explanations

Basic Form Perils -

Fire, lightning, explosion, windstorm or hail, smoke, aircraft or vehicles, riot, vandalism, sprinkler leaks, sinkhole and volcano

Broad Form Perils-

Basic Form Perils plus breakage of glass that is part of building, falling objects, weight of snow or ice and water damage

Special Form Perils-

Covers “all risks of physical loss” unless the policy specifically excludes or limits the loss.

Flood-

(from FEMA) – A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties from:  Overflow of inland or tidal waters;  Unusual or rapid accumulation or runoff of surface waters from any source;  Mudflow (a river of liquid and flowing mud on the surfaces of normally dry land areas as when earth is carried by a current of water;  Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.

Ordinance or Law-

Coverage A:

Pays for loss of value of an undamaged portion of the existing

building which must be demolished and/or removed to conform with municipal ordinance, code, etc. Coverage B: Pays for the cost of demolition of the undamaged portions of the building necessitated by the enforcement of building, zoning, or land use ordinance or law. Coverage C: Pays for the increased expenses incurred to replace the building with one conforming to building laws or ordinances, or to repair the damaged building so that it meets the specifications of current building laws or ordinances.

East Lake Woodlands Cypress Estates Condominium Unit One Association, Inc 9 General Liability

Carrier:

CUMIS Specialty Insurance Company

A Non Admitted Occurrence

AM Best Carrier Rating:

Coverage Form:

Limits of Liability: $2,000,000  Products/Completed Operations $2,000,000  Each Occurrence $1,000,000  Personal Injury & Advertising Injury $1,000,000  Medical Expense $5,000  Damage to Premises rented to you $50,000  Hired/ Non-Owned Auto $1,000,000 Deductible: None Schedule of Hazards:  General Aggregate

Description Residential Units Swimming Pool

124 1

Exposure

Exclusions (included, but not limited to):  Employment Related Practices  Nuclear  Pollution  Professional  Mold  Asbestos  Terrorism

10 EUansitt OLankeeAWssooocdialatinodns, ICnycpress Estates Condominium

Crime

Carrier:

CUMIS Specialty Insurance Company

A Non Admitted Discovery

AM Best Carrier Rating:

Coverage Form:

Coverage:

Coverage Blanket Limit Employee Dishonesty Money & Securities Forgery & Alteration Money Order & Counterfeit Currency Funds Transfer Fraud

Limit $1,000,000 Included in Blanket Limit Included in Blanket Limit Included in Blanket Limit Included in Blanket Limit Included in Blanket Limit Included in Blanket Limit $100,000

Computer Fraud Social Engineering

$5,000 per claim

Deductible:

MD iar ne ca tgoerms ea nn td CTormu sptaene ys Non-Compensated Officers

Covered Employees:

East Lake Woodlands Cypress Estates Condominium Unit One Association, Inc 11 Directors & Officers

Carrier:

CUMIS Specialty Insurance Company

A Non Admitted Claims Made $1,000,000 $1,000 per claim

AM Best Carrier Rating: Coverage Form : Limit of Insurance : Deductible:

Coverage Highlights:  Employment Practices Liability Included  Aorntyrcuusrtereesnti,npcalusdt,eodrafustiunrseurdeudlys elected or appointed directors, officers,  So pr ol euasseesd, ceommpml oi yt teeees mi necml ubdeerds ,avsoi lnusnutreeedr ss , e s t a t e s , e m p l o y e e s ,  Property management employees included as insureds  Defense Cost outside the Limit of Liability  No exclusion for failure to maintain insurance

Exclusions (included, but not limited to):  Cc aounsdeudc at ma tatghees i (ndsouer send’’ts adpi rpel yc tti oo nd et hf eant si es fcroasut ds uulnetni lt , sduicshh oc on ne sdtuoc rt icsr iems ti anba ll i swhiet hd ibnyt ef inntatlon o n appealable judgment

12 EUansitt OLankeeAWssooocdialatinodns, ICnycpress Estates Condominium

Umbrella/Excess Liability

Carrier:

Midvale Indemnity Insurance Company

A Admitted Occurrence $5,000,000 None

AM Best Carrier Rating:

Coverage:

Limit of Liability:

Retention:

Endorsements/Exclusions (included, but not limited to):  Follow Form Endorsement  Foreign Liability Exclusion  Terrorism  Employment Practices Liability  Punitive Damage Exclusion  Underlying Policy Exclusions apply

East Lake Woodlands Cypress Estates Condominium Unit One Association, Inc 13 Premium Summary

2026 Premiums 5% Deductible

2026 Premiums 3% Deductible

2025 Premiums

Coverage Property

$188,564 $1 78,427 Package (General Liability, Crime, D&O) $18,693 $21,596.40 $21,596.40 Crime $3,251 Included Included Directors & Officers Included Included Included Umbrella $3,000 $2,500 $2,500 Workers Compensation $503 $492 $492 Total $214,011 $195,022.40 $20 3,015.40 $170,434

Additional Property Options:

Alternative Deductible “All Others Perils”

Premium 5% Deductible

Premium 3% Deductible

$10,000

$17 4,811

$18 2,816

14 EUansitt OLankeeAWssooocdialatinodns, ICnycpress Estates Condominium

PCS Insurance Group Inc | Confidential Tc ohmi s ppl reot ep op soal il ccyo inntfaoi rnms ao tni ol yna, ignecnl uedr ai nl gd ee sxccrl ui psti ioonns ,olfi mt hiet actoi ovne sr ,aagne d( s c) oannddi tdi oo ne ss , nr oe tf ecrotnos tt iht eu tpeoal i pc yo ldi coyc uc omnetnr at .c t . F o r James River Property Declined due to underwriting guidelines (Excess Layer only) JEM Property Declined: Cannot compete with current terms and conditions Kinsale Property Declined due to underwriting guidelines (Excess Layer only) Munich Property Declined due to underwriting guidelines (Excess Layer only) Olympus Property Declined due to underwriting guidelines (Roofs- Over 10 Years Old) RSUI Property Declined due to underwriting guidelines (Excess Layer only) Sigma Property Declined due to underwriting guidelines (Year Built) Slide Property Declined due to underwriting guidelines (Open Claim) Sompo (Endurance) Property Declined: Cannot compete with current terms and conditions SRU Property Declined: Cannot compete with current terms and conditions Superior Specialty Property Excluding wind & hail only Velocity Property Declined: Cannot compete with current terms and conditions Ventus Property Declined due to underwriting guidelines (JM Construction) Westchester Property Declined: Cannot compete with current terms and conditions WKF&C Property Excluding wind & hail only Market Summary On your behalf we have marketed your insurance program to leading carriers who specialize in your industry. Their responses are based on their appetite and their view of loss potential. Insurance Carrier Coverage Marketing Results American Coastal Property Quoted Renewal- Please see proposal Amrisc Property Declined: Cannot compete with current terms and conditions Arrowhead Property Declined due to underwriting guidelines (JM Construction) AXIS Property Declined: Cannot compete with current terms and conditions Avondale Property Declined: Cannot compete with current terms and conditions CAIRE Property Declined due to underwriting guidelines (Age of Roofs- Flat Section) Catalytic Property Declined: Cannot compete with current terms and conditions Centauri Property Declined due to underwriting guidelines (Open Claim) Core Specialty Property Declined: Cannot compete with current terms and conditions Frontline Property Declined: Cannot compete with current terms and conditions Gen Star Property Excluding wind & hail only Heritage Property Declined due to underwriting guidelines (Open Claim) ICAT Property Declined: Cannot compete with current terms and conditions

Dear Unit Owners,

PCS Insurance Group understands the importance of annual lender requirements for Certificates of Insurance. To make the process of obtaining certificates of insurance as easy as possible, please find multiple options below in regards to obtaining certificates of insurance.

Email: Email the request letter from your mortgage lender to certificates@pcsins.com

Fax: Fax the request letter from your mortgage lender to (813) 388-4598

Website: Go to our website www.pcsins.com and fill out the certificate request.

Mail: Mail a copy of the request letter to the address below.

If the unit owners or lenders have any questions while trying to obtain a certificate of insurance, please feel free to contact us directly.

Sincerely, PCS Insurance Group, Inc.

PCS Insurance Group Inc 3315 Henderson Boulevard, Suite 200 Tampa, Florida 33609 Phone: 813/868.1010 • Web: www.pcsins.com • E-mail: info@pcsins.com

HAZARD INSURANCE RESPONSIBILITIES AS GOVERNED BY FLORIDA STATUTE 718

CONDOMINIUM ASSOCIATION RESPONSIBILITY

INDIVIDUAL UNIT OWNER RESPONSIBILITY

DESCRIPTION

1. ROOF AND ROOF COVER

YES

Structural Framing and Roof Cover

2. EXTERIOR WALLS

YES

Paint, Stucco, Insulation, Studs,

Concrete Block, Brick, Etc.

3. UNIT INTERIOR WALLS

YES

Party walls, Unfinished Drywall

Insulation, Metal and Wood Studs

4. COMMON AREA

YES

Interior Walls, Studs, Block andDrywall

Floor, Wall, and Ceiling Finishes

5. UNIT INTERIOR

YES

Floor, Wall & Ceiling,Finishes, Paint, Carpet, Tile, Etc

6. UNIT AND COMMON AREA

NO NO NO NO NO

YES YES YES YES YES

Structural Floors

Structural Ceilings

Structural Walls

7. COMMON AREA AIR CONDITIONERS 8. COMMON AREA ELECTRICAL 9. INTERIOR UNIT COMPONENTS

NO NO

YES YES

Appliances

Electrical Fixtures

YES

Air Conditioners

NO NO

YES YES

Water Heaters

Cabinets

PCS Insurance Group Inc 3315 Henderson Boulevard, Suite 200 Tampa, Florida 33609 Phone: 813/868.1010 • Fax: 813/868.1012 • Web: www.pcsins.com • E-mail: Info@pcsins.com

UNIT OWNER vs ASSOCIATION HAZARD INSURANCE COVERAGE AREAS

This diagram is provided for illustration purposes only and should not be solely relied upon as the basis for insurance. We recommend you to review Florida Condominium Statute 718 and your specic condominium documents for updated insurance and maintenance responsibilities.

Unit Owner Responsibilities – Hazard Insurance

1 2 3 4 5 6 7 8 9

Bathtub / Shower Toilet Bathroom Sink Wall/Floor/Ceiling Coverings including paint, wallpaper, tile,

813/868.1010

wood, carpet, laminate etc. Electrical Outlets & Fixtures Interior Doors Refrigerator Oven/Stove & Hood Counter Tops & Cabinets

10 11 12 13 14

Kitchen Sink Dishwasher Light Fixtures Water Heaters & Water Filters Window Treatments, including curtains, drapes, blinds and all hardware

Association Responsibilities – Hazard Insurance

A B C D

Hot/Cold Water Pipes including Fire Systems/Sprinklers Perimeter/Load Bearing Walls including Common/Party walls Electrical Wiring Balcony/Porches/Stairs Unfinished Drywall/Wallboard Roofs to include covering, insulation & trusses Unfinished Floors Exterior Doors Windows/Sliding Glass Doors A/C & Heating unit including Compressor

E F

G H I J

www.pcsins.com

2 1

Fax: 813/868.1012 • E-mail: Info@pcsins.com

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