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2013 SESSION

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CHAPTER 12 An Act to amend and reenact § 38.2-2107 of the Code of Virginia, relating to fire insurance policy forms. [H 1527] Approved February 20, 2013

 

Be it enacted by the General Assembly of Virginia:

1.  That § 38.2-2107 of the Code of Virginia is amended and reenacted as follows:

§ 38.2-2107. Commission may establish guidelines for filing readable fire insurance policy forms.

A. The Commission may establish guidelines for the filing of simplified and readable policies of insurance. An insurer may issue a simplified and readable policy of insurance that deviates in language from the standard policy form provided for in §§ 38.2-2104, 38.2-2105, and 38.2-2106 if the deviating policy form is (i) in no respect less favorable to the insured than the standard policy form, and is (ii) approved by the Commission prior to issuance.

B. Notwithstanding the pro rata liability provision included in § 38.2-2105, such simplified and readable policies or endorsements may be issued to apply on an excess or primary basis if such provisions are clearly stated in the policy form and the policy is identified in its title or heading as an excess or primary insurance policy or endorsement.