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Neither the language of s. 119 in Part 5 nor the history of that provision supported the conclusion that the Legislature intended a multi‑risk policy to fall within Part 5. Such policies cannot be shoehorned into that Part without contrived reconstruction and anomalous consequences. Section 119, despite its alterations, is based on the outmoded paradigm of discrete categories of insurance policies and is incapable of coherently addressing the modern multi‑peril policy. Since the insured’s policy does not fit into a specific category, it is governed by Part 2. Part 2, however, does not represent an ideal solution for multi‑risk comprehensive policies and it would be highly salutary for the Legislature to amend the Act and to provide specifically for such policies. The fact that the contract of insurance specifies a limitation period of one year from loss did not oust the longer limitation period in Part 2 because s. 3(a) of the Act does not permit the insurer to substitute contractually harsher terms than those provided in Part 2.
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