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§ 19-202. Coverage for loss caused by water damage

West's Annotated Code of MarylandInsuranceEffective: October 1, 2017

West's Annotated Code of Maryland
Insurance (Refs & Annos)
Title 19. Property and Casualty Insurance
Subtitle 2. Homeowner's Insurance Policies (Refs & Annos)
Effective: October 1, 2017
MD Code, Insurance, § 19-202
§ 19-202. Coverage for loss caused by water damage
In general
(a) An insurer that issues, sells, or delivers a homeowner's insurance policy shall at time of application and renewal offer in writing to provide coverage for loss that:
(1) is caused by or results from water that backs up through sewers or drains; and
(2) is not caused by the negligence of the insured.
Applications or renewals made by telephone
(b) If an application or renewal is made by telephone, the insurer is deemed to be in compliance with subsection (a) of this section if, within 7 calendar days after the date of application or renewal, the insurer sends the offer to the applicant or insured by a first-class mail tracking method.
Applications or renewals made using the Internet
(c) If an application or renewal is made using the Internet, the insurer is deemed to be in compliance with subsection (a) of this section if the insurer provides the offer to the applicant or insured prior to submission of the application or renewal.
Delivery of offer by electronic means
(d) An offer required by this section may be delivered by electronic means if the insurer complies with the requirements of § 27-601.2 of this article.
Renewal notice requirements
(e) An insurer may comply with the renewal notice requirements of this section by sending the notice authorized by § 19-216 of this subtitle.

Credits

Added as Insurance § 19-201 by Acts 1996, c. 11, § 1, eff. Oct. 1, 1997. Renumbered as Insurance § 19-202 by Acts 2006, c. 388, § 1, eff. Jan. 1, 2007. Amended by Acts 2008, c. 72, § 1, eff. Oct. 1, 2008; Acts 2014, c. 364, § 1, eff. Oct. 1, 2014; Acts 2017, c. 123, § 1, eff. Oct. 1, 2017; Acts 2017, c. 124, § 1, eff. Oct. 1, 2017.
Formerly Art. 48A, § 478 ½.
MD Code, Insurance, § 19-202, MD INSURANCE § 19-202
Current through all legislation from the 2022 Regular Session of the General Assembly. Some statute sections may be more current, see credits for details.
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