reglab/housing_qa huggingface dataset:
VA Code § 38.2-2108 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 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 connection with any policy written to insure owner-occupied dwellings which is to be issued or delivered in this Commonwealth.B. Following adoption of the standards of content and notwithstanding the provisions of §§ 38.2-2104, 38.2-2105 and 38.2-2106, no insurer shall issue or renew any policy or any rider, endorsement, or other supplemental agreement or provision for use in connection with any policy written to insure owner-occupied dwellings unless the policy form has been filed with the Commission. The Commission shall determine whether the policy form meets the standards of content and is in compliance with any other statutory requirements.C. Nothing in this section prevents an insurer from issuing policies with coverages, terms and conditions which are broader and more favorable to the insured than the standards established by the Commission. The language, style and format of the coverages, terms and conditions shall be consistent with the language, style and format of the entire policy form.1979, c. 457, § 38.1-367.2; 1986, c. 562.
VA Code § 38.2-2108.1 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 38.2-2108.1. Commercial fire insurance policies; changes to amount of coverage

No insurer shall, after a new or renewal contract or policy of fire insurance or fire insurance in combination with other coverage that has been issued or delivered in the Commonwealth to insure commercial property located in the Commonwealth has been in effect for 60 days, initiate and issue any endorsement to the contract or policy that increases or decreases the amount of coverage on such property unless the first named insured has consented in writing to such proposed change in the amount of coverage.2019, c. 693.
VA Code § 38.2-2109 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 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, § 38-179; 1950, p. 993; 1952, c. 317, § 38.1-368; 1977, c. 313; 1986, c. 562.
VA Code § 38.2-2110 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 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, the premium for each peril, and any other relevant matter not inconsistent or in conflict with the standard provisions for policies prescribed by this chapter.Code 1950, §§ 38-184, 38-185, 38-190; 1950, pp. 994, 995; 1952, c. 317, § 38.1-369; 1986, c. 562.
VA Code § 38.2-2111 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 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 and made a part of the policy. If the policy is issued by an insurer having other regulations appropriate to or required by its form of organization, those other regulations shall be either (i) written or printed upon the policy or (ii) attached to the policy by endorsement.Code 1950, §§ 38-180, 38-513; 1952, c. 317, § 38.1-370; 1986, c. 562.
VA Code § 38.2-2112 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 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 of the policy, and shall be deemed to include all agreements and provisions set out in §§ 38.2-2104 and 38.2-2105 and all applicable endorsements designated in the temporary insurance contract. Unless otherwise expressly provided, the contract shall be deemed to include the usual provisions, stipulations and agreements which are commonly used in this Commonwealth in effecting the insurance.B. No temporary insurance contract shall include any provision or agreement which is inconsistent with or waives any provision, stipulation, agreement or condition required by § 38.2-2104 or § 38.2-2105. However, the cancellation provision and the provision fixing the hour of inception may be superseded by the express terms of the temporary insurance contract.Code 1950, § 38-181; 1952, c. 317, § 38.1-371; 1986, c. 562.
VA Code § 38.2-2114.1 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 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 Commission may relieve the insurer of the requirements of subsections B and C of § 38.2-2114 and of the mailing requirements of § 38.2-2113; provided the insurer demonstrates to the satisfaction of the Commission that (i) the replacement policy is underwritten by an affiliate insurer under common control with the petitioning insurer; (ii) the replacement policy is substantially similar to the existing policy with the petitioning insurer; (iii) the premium charged for the replacement policy is no greater than that charged by the petitioning insurer for the existing policy; and (iv) the replacement insurer is duly licensed to transact the business of insurance in the Commonwealth of Virginia. The replacement insurer shall retain a copy of any offer of replacement for a period of one year from the expiration of any existing policy that is not replaced. The Commission may further condition any such relief to protect the best interests of the policyholder.1991, c. 292.
VA Code § 38.2-2115 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 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, race, color, creed, national origin, ancestry, marital status, sexual orientation, gender identity, or lawful occupation, including the military service, of the person seeking insurance. Nothing in this section prohibits any insurer from limiting the issuance of policies to those who are residents of this Commonwealth, nor does it prohibit any insurer from limiting the issuance of policies only to persons engaging in or who have engaged in a particular profession or occupation, or who are members of a particular religious sect. Nothing in this section prohibits any insurer from setting rates in accordance with relevant actuarial data.1986, c. 562; 2020, c. 1137.
VA Code § 38.2-2116 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 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 on the policy followed by the names and the home office addresses of the insurers obligated under the policy. The policy shall be executed by the proper officers of each insurer. Before issuance, the form and any terms of the policy that are in addition to the standard provisions set out in §§ 38.2-2104 and 38.2-2105 shall be approved by the Commission. The terms of the policy shall not be inconsistent with the standard provisions, and shall be placed under a separate title headed as follows: "Provisions specially applicable to this jointly issued policy." The special provisions shall contain in substance that:1. The insurers executing the policy are severally liable for the full amount of any loss or damage according to the terms of the policy or for specified percentages or amounts of any loss or damage aggregating the full amount of insurance under the policy; and2. Service of process upon, or notice of proof of loss required by the policy and given to any of the insurers executing the policy, shall be deemed to be service upon or notice to all such insurers.B. The unearned premium reserve on each policy shall be allocated to each insurer on the basis of each insurer's pro rata share of the face amount of the policy, except to the extent that the risk is transferred under a valid contract of reinsurance.Code 1950, § 38-183; 1952, c. 317, § 38.1-372; 1986, c. 562.
VA Code § 38.2-2117 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 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 policies on property in this Commonwealth to provide coverage for one or more perils in addition to the perils covered by the standard insuring agreement and standard provisions prescribed in this chapter.Code 1950, § 38-190; 1950, p. 995; 1952, c. 317, § 38.1-373; 1986, c. 562.
VA Code § 38.2-2118 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 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.) shall provide on each new and renewal policy a statement summarizing (i) any minimum coverage requirement necessary for the replacement cost provision to be fully effective and (ii) the effect on claim payment of not meeting the minimum coverage requirement.1977, c. 530, § 38.1-279.49:1; 1986, c. 562; 2016, c. 558.
VA Code § 38.2-2119 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 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 be indemnified for (i) the difference between the actual cash value of the property at the time of loss and the cost of repair or replacement of the property on the same site with new materials of like kind and quality, within a reasonable time after the loss, and without deduction for depreciation, (ii) additional cost or loss by reason of any ordinance or law in force at the time of loss which necessitates the demolition of any portion of the insured property, (iii) any increased cost of repair or replacement by reason of any ordinance or law regulating construction or repair of the insured building, and (iv) loss from interruption of business, untenantability, or termination of leasehold interest because of damage to or destruction of the property described in the policy. These forms or provisions shall apply to coverage provided to an insured having any interest in an insured building or structure which is a part of the building described in the policy, including service equipment for the building.B. Where any policy of insurance issued or delivered in this Commonwealth pursuant to this chapter provides for the payment of the full replacement cost of property insured thereunder, the policy shall permit the insured to assert a claim for the actual cash value of the property without prejudice to his right to thereafter assert a claim for the difference between the actual cash value and the full replacement cost unless a claim for full replacement cost has been previously resolved. Any claim for such difference must be made within six months of (i) the last date on which the insured received a payment for actual cash value or (ii) date of entry of a final order of a court of competent jurisdiction declaratory of the right of the insured to full replacement cost, whichever shall last occur.C. Notwithstanding the provisions of § 38.2-2104, insurers may offer, as an option, coverage limited to the amount necessary to repair or replace damaged property with functionally equivalent property at a lower cost than would be required to repair or replace the damaged property with material of like kind and quality. Such policies may also permit, at the option of the insured, settlement based on the market value of the damaged property at the time of loss. No new policy of insurance covering property insured on a functional replacement cost basis shall be issued or delivered in the Commonwealth unless the following statement, printed in boldface type, is enclosed with the policy:Important Notice The coverage under this policy applies on a functional replacement cost basis which means that, under certain conditions, claims may be settled for less than the actual cash value of the property insured.Code 1950, § 38-190; 1950, p. 995; 1952, c. 317, § 38.1-374; 1986, c. 562; 1992, c. 762; 1996, c. 373; 2016, c. 558.
VA Code § 38.2-2120 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 38.2-2120. Optional coverage to be offered with homeowner's policy

Any insurer who issues or delivers a new or renewal homeowner's insurance policy in this Commonwealth shall offer as an option a provision insuring against loss caused or resulting from water which backs up through sewers or drains.1974, c. 564, § 38.1-335.2; 1986, c. 562; 2016, c. 558.
VA Code § 38.2-2121 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 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 to serve as umpire, the insured or the insurer may apply in writing, for the appointment of an umpire, to the judge of the circuit court of the county or city in which the damaged or destroyed property was located at the time of loss. If the application is filed by the insured, a copy of the application shall first be delivered to a registered agent of the insurer. If the application is filed by the insurer, a copy of the application shall first be delivered to the insured. Upon showing, by affidavit or otherwise, the failure or neglect of the appraisers to agree upon and select an umpire within the time specified in the policy, the judge shall upon twenty-one days' notice to all parties appoint a competent and disinterested person to serve as umpire in determining the amount of loss or damage sustained.Code 1950, § 38-172; 1952, c. 317, § 38.1-375; 1986, c. 562; 1992, c. 470.
VA Code § 38.2-2122 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 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 shall be citizens and actual residents of this Commonwealth unless otherwise agreed to in writing by the insured and the insurer. Each appraiser and umpire shall, before acting as such, take an oath that he is not directly or indirectly in the employment of the insured, the insurer or any other insurer, that he is not related to the insured or any officer of the insurer, and that he will faithfully discharge the duties imposed upon him.Code 1950, §§ 38-173, 38-174; 1952, c. 317, § 38.1-376; 1986, c. 562.
VA Code § 38.2-2123 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 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, conducting business only in this Commonwealth, and issuing only policies providing for perpetual insurance.Code 1950, §§ 38-182, 38-183, 38-193; 1952, c. 317, § 38.1-378; 1960, c. 293; 1986, c. 562.
VA Code § 38.2-2124 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 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 or policy of fire insurance in combination with other insurance coverages, shall offer in writing as an option a provision that property will be repaired or replaced in accordance with applicable ordinances or laws that regulate construction, repair or demolition.1993, c. 156.
VA Code § 38.2-2125 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 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 or policy of fire insurance in combination with other insurance coverages, which policy or contract excludes coverage for damage due to flood, surface water, waves, tidal water, or any other overflow of a body of water, shall provide written notice that (i) explicitly states that flood coverage is excluded; (ii) states that information regarding flood insurance is available from the insurer, insurance agent or the National Flood Insurance Program; and (iii) advises the policyholder that contents coverage may be available with the flood policy for an additional premium.2000, c. 401; 2004, c. 288.
VA Code § 38.2-2127 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 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) explicitly states that the deductible has changed and (ii) explains how the new deductible will be applied. Nothing in this section shall allow an insurer to change a deductible except at renewal. This section shall apply to all policies renewed in the Commonwealth on or after October 1, 2004.2004, c. 745.
VA Code § 38.2-2128 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 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 dwelling may, with the named insured's written consent, exclude from coverage any liability resulting from an injury caused by a dangerous or vicious animal owned by or in the care, custody, or control of the insured if such animal has bitten, attacked, or inflicted injury on a person or a companion animal. Such risk shall be specifically identified in the exclusion. Uniform policy forms or endorsements that will be used by the insurer for such exclusions shall be filed with the Commission pursuant to § 38.2-317 and shall contain a disclosure stating that the named insured has agreed to the specified risk being excluded under the policy. The insured's execution of the document evidencing his consent thereto shall be acknowledged before a notary public or witnessed by a disinterested person. Such signed exclusions, evidence of the insured's consent, and the insurer's documentation substantiating the reason for the exclusion shall be made available to the Commission upon request. Upon completion of the notarized or witnessed signed exclusion, the insurer shall not be required to obtain the insured's written consent for any subsequent policy renewals.2004, c. 751.
VA Code § 38.2-2129 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 38.2-2129. Notice regarding earthquake exclusion

Any insurer that issues or delivers in the Commonwealth a new or renewal contract or policy of fire insurance, or a new or renewal contract or policy of fire insurance in combination with other insurance coverages, which policy or contract excludes coverage for damage due to earthquake shall provide written notice that (i) explicitly states that "earthquake coverage is excluded unless purchased by endorsement" and (ii) if such coverage is otherwise available from the insurer, states that information regarding earthquake insurance is available from the insurer or the insurance agent.2012, cc. 235, 346.
VA Code § 38.2-2130 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 38.2-2130. Coverage for volunteer fire department costs

Every insurer writing a fire policy or fire policy in combination with other insurance coverages shall provide coverage for the cost charged by a volunteer fire department that is not fully funded by real estate taxes or other property taxes for service charges where the fire department is called in to save or protect property insured under such policy from a peril insured against. The limit of such coverage shall be no less than $250. Higher coverage limits may be offered by an insurer for an additional premium. Any bill for such service charges shall be sent to the owner of the property for which the services were rendered. The amount billed shall not exceed the limit of such coverage. This coverage shall not apply to service charges made in response to a call outside of the volunteer fire department's fire protection district, city, or municipality pursuant to a contract.2012, cc. 371, 561.
VA Code § 38.2-2200 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2200. Required provisions as to insolvency or bankruptcy, and as to when action maintained against insurer

No policy or contract insuring or indemnifying against liability for injury to or the death of any person, liability for injury to or destruction of property, or liability for injury to the economic interests of any person, shall be issued or delivered in the Commonwealth unless it contains in substance the following provisions or other provisions that are at least equally favorable to the insured and to judgment creditors:1. That the insolvency or bankruptcy of the insured, or the insolvency of the insured's estate, shall not relieve the insurer of any of its obligations under the policy or contract.2. That if execution on a judgment against the insured or his personal representative is returned unsatisfied in an action brought to recover damages for injury sustained or for loss or damage incurred during the life of the policy or contract, then an action may be maintained against the insurer under the terms of the policy or contract for the amount of the judgment not exceeding the amount of the applicable limit of coverage under the policy or contract.Code 1950, § 38-238; 1952, c. 317, § 38.1-380; 1986, c. 562; 2005, c. 290.
VA Code § 38.2-2203 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 22 - Liability Insurance Policies|§ 38.2-2203. Policy providing for reimbursement for services that may be performed by certain practitioners other than physicians

Notwithstanding any provision of any policy or contract of bodily injury liability insurance, when the policy or contract provides for reimbursement for any service that may be legally performed by a person licensed in this Commonwealth for the practice of chiropractic, reimbursement under the policy shall not be denied because the service is rendered by a licensed chiropractor.1984, c. 441, § 38.1-380.3; 1986, c. 562.