Code of Virginia - Title 38.2 Insurance - Chapter 21 Fire Insurance Policies
- 38.2-2100 Application of chapter
This chapter applies only to contracts or policies of fire insurance, and contracts or policies of fire insurance in combination with other insurance coverages. (1986, ...
- 38.2-2101 Policies shall conform to provisions of this chapter
No insurance policy or contract on any property in this Commonwealth shall be issued or delivered in this Commonwealth unless the policy or contract meets ...
- 38.2-2102 Excluding loss or damage caused by nuclear reaction, nuclear radiation, or radioactive contaminatio...
A. The standard policy of fire insurance prescribed by this chapter shall not cover loss or damage caused by nuclear reaction, nuclear radiation, or radioactive ...
- 38.2-2103 Information to be printed on policy
There shall be prominently printed on every policy issued on property in this Commonwealth (i) the name of the insurer issuing the policy, (ii) the ...
- 38.2-2104 Standard insuring agreement for fire insurance policies
A. Each policy shall provide space for listing amounts of insurance, rates, and premiums for the coverages provided in the policy and endorsements attached to ...
- 38.2-2105 Standard provisions, conditions, stipulations and agreements for such policies
A. Except as provided in § 38.2-2107, each policy shall contain the following provisions, conditions, stipulations, and agreements:
1 Concealment, This entire policy shall be void, if whether
2 fraud. before or after a loss, the insured has wil-
3 fully concealed or misrepresented any ma-
4 terial fact or circumstance concerning this insurance or the
5 subject thereof, or the interest of the insured therein, or in case
6 of any fraud or false swearing by the insured relating thereto.
...
- 38.2-2106 Standard form for execution of policies
Except as provided in § 38.2-2107, each policy shall contain the following clause, which shall be used in executing and attesting the policy: IN WITNESS ...
- 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 ...
- 38.2-2108 Standards for content of fire insurance policies
A. The Commission may establish standards for the content of any policy or any rider, endorsement or other supplemental agreement or provision for use in ...
- 38.2-2109 Execution of policies
The policy shall be executed by the proper officers of the insurer or insurers, whose signatures on the policy may be in facsimile. (Code 1950, ...
- 38.2-2110 Other matter permitted in the policy
The policy may contain information on the insurer, its officers and agents, the agent issuing the policy, the amount of insurance for each peril covered, ...
- 38.2-2111 Special regulations to be added to policy
If the policy is issued by any insurer having special regulations for the payment of assessments by the insured, the regulations shall be printed upon ...
- 38.2-2112 Temporary insurance contracts; duration; what deemed to include
A. Oral or written binders or other temporary insurance contracts may be made and used for a period not exceeding sixty days pending the issuance ...
- 38.2-2113 Mailing of notice of cancellation or refusal to renew
A. No written notice of cancellation or refusal to renew a policy written to insure owner-occupied dwellings shall be effective when mailed by an insurer ...
- 38.2-2114 Grounds and procedure for termination of policy; contents of notice; review by Commissioner; except...
A. Notwithstanding the provisions of § 38.2-2105, no policy or contract written to insure owner-occupied dwellings shall be canceled by an insurer unless written notice ...
- 38.2-2114.1 Powers of Commission; replacement policies
Upon the verified petition of an insurer, where the petitioning insurer proposes to replace all or substantially all of its policies in another insurer, the ...
- 38.2-2115 Discrimination in issuance of fire insurance
No insurer or agent shall refuse to issue a policy solely because of any one or more of the following factors: the age, sex, residence, ...
- 38.2-2116 Policies issued by two or more insurers
A. With the consent of the Commission, two or more licensed insurers may jointly issue a policy, using a distinctive title that is prominently printed ...
- 38.2-2117 Approval of forms or provisions for additional coverage
The Commission may approve and authorize the use of appropriate forms or provisions contained in supplemental contracts or extended coverage endorsements used in connection with ...
- 38.2-2118 Required statement on insurance policies for owner-occupied dwellings
Each insurer writing insurance on owner-occupied dwellings and appurtenant structures with a replacement cost provision under the provisions of Chapter 19 (§ 38.2-1900 et seq.) ...
- 38.2-2119 Approval of forms or provisions for certain risks
A. The Commission may approve and authorize the use of appropriate forms or provisions for supplemental contracts or extended coverage endorsements where the insured may ...
- 38.2-2120 Optional coverage to be offered with homeowner's policy
Any insurer who issues or delivers a homeowner's insurance policy in this Commonwealth shall offer as an option a provision insuring against loss caused or ...
- 38.2-2121 When courts may appoint umpires
Whenever appraisers selected under the standard provisions for fire insurance policies set out in § 38.2-2105 fail for fifteen days to agree upon a person ...
- 38.2-2122 Appraisers and umpire to be citizens of Virginia; oath to be taken
Whenever any appraisal is to be made under the standard provisions of a policy for loss or damage to property, the appraisers and the umpire ...
- 38.2-2123 Chapter not applicable to certain mutual insurers
This chapter shall not apply to mutual assessment property and casualty insurers, or to mutual insurers and associations organized under the laws of this Commonwealth, ...
- 38.2-2124 Optional coverage to be offered with fire insurance policy
Any insurer that issues or delivers in this Commonwealth a new or renewal contract or policy of fire insurance, or a new or renewal contract ...
- 38.2-2125 Notice regarding flood exclusion
Any insurer that issues or delivers in this Commonwealth a new or renewal contract or policy of fire insurance, or a new or renewal contract ...
- 38.2-2126 Insurance credit score disclosure; use of credit information
A. Any insurer issuing or delivering a policy written to insure an owner-occupied dwelling or the personal property of a tenant's residential property risk that ...
- 38.2-2127 Notice of change in deductible
Whenever an insurer unilaterally changes the deductible under a policy written to insure an owner-occupied dwelling, the insurer shall provide a written notice that (i) ...
- 38.2-2128 Certain exclusions permitted
Notwithstanding the provisions of § 38.2-2108, any insurer that issues or delivers in the Commonwealth a new or renewal policy written to insure an owner-occupied ...
Last modified: April 3, 2009