Section 7-4 - Contract Terms and Conditions (a) Coverage shall be for a term of one year and shall renew upon payment of the premium unless cancelled or non-renewed pursuant to Section 11.
(b) Excluded from coverage are: - (i) Existing and unrepaired mine subsidence loss, except that structures damaged prior to June 11, 1986 shall be covered under the conditions enumerated in W.S. 35-11-1302(a) (i) through (v).
- (ii) Any damage not due to mine subsidence.
- (iii) Bodily injury or death.
- (iv) Damage to contents not attached to and part of the structure, personal property or automobiles (owned or non-owned) or motorized vehicles whether used to service the premises or not.
- (v) Except as provided in this paragraph, additional living expenses or the interruption of rental income incurred by an insured person. Reasonable additional living expenses can be covered where a residential structure will be unlivable during a reasonable repair period, or a professional engineer or engineer in a public office having authority to make such decisions finds that there is imminent threat to life as a result of a loss.
- (vi) Loss to land, trees, plants and crops.
- (vii) Loss to structures vacant or unoccupied· for more than 180 days unless the owner has made arrangements for the upkeep and inspection of the structure on a monthly basis.
- (viii) Loss to mobile homes except as covered in Section 10.
- (ix) Loss to structures excluded under Section 11.
- (x) Loss to structures that were not constructed according to local building codes in effect at the time the structure was built or placed into service.
(c) In order to be accepted for insurance the property owner shall allow inspections of the insured structure. The purpose of the inspections shall be to determine structural integrity and to document the extent of any existing damage from mine subsidence. Failure by the property owner to allow an inspection of the structure or structures, both external and internal, will result in the division rejecting the property owner's request for insurance. Cost of the inspection shall be borne by the division.
(d) Insured structures shall be subject to reinspection. All reasonable attempts to notify the property owner shall be made prior to a reinspection. Cost of the reinspection shall be borne by the division.