reglab/housing_qa huggingface dataset:
CO Code § 10-4-106.5 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 1 - General|§ 10-4-106.5. Medical Malpractice Insurers - Requirement to Provide Information to the Department of Public Health and Environment

 Upon request by the department of public health and environment pursuant to section 25-52-104 (5)(e) , an insurer offering a policy of medical malpractice insurance shall provide the department with information regarding the insurer's policies related to labor and delivery services.   History. Source: L. 2021: Entire section added,(SB 21-193), ch. 433, p. 2859, § 1, effective September 7.    Editor's note:   Section 12 of chapter 433 (SB 21-193), Session Laws of Colorado 2021, provides that this section takes effect only if section 25-52-104 (5)(e) as enacted in section 5 of SB 21-194 (chapter 434) becomes law and takes effect either upon the effective date of SB 21-193 or SB 21-194, whichever is later. SB 21-194 became law and both bills have an effective date of September 7, 2021.
CO Code § 10-4-107 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 1 - General|§ 10-4-107. Cancellation of Medical Malpractice Policies

  A notice of cancellation of a medical malpractice policy shall be valid only if it is based on one or more of the following reasons:   Nonpayment of premiums; or    The license of the insured health-care provider has been suspended or revoked by the appropriate state regulatory authority; or    The insured knowingly made a false statement on the application for insurance; or    There has been a substantial change in the exposure or risk other than that indicated in the application and underwritten as of the effective date of the policy unless the insured has notified the insurer of the change and the insurer accepts such change.       This section shall not apply to any policy or coverage which has been in effect less than sixty days at the time the notice of cancellation is mailed or delivered by the insurer, unless it is a renewal policy.    This section shall not apply to nonrenewal of a policy.    This section shall not apply to insurers providing coverage for exempt commercial policyholders, as defined pursuant to section 10-4-1402 and rules adopted by the commissioner pursuant to that section.     History. Source: L. 76: Entire section added, p. 365, § 1, effective May 21. L. 86: (1)(c) amended and (1)(d) added, p. 572, § 1, effective July 1. L. 99: (4) added, p. 389, § 12, effective January 15, 2000.
CO Code § 10-4-108 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 1 - General|§ 10-4-108. Notice

  No notice of the cancellation of a policy to which section 10-4-107 applies shall be valid unless mailed or delivered by the insurer to the named insured at least ninety days prior to the effective date of cancellation; but, where cancellation is for nonpayment of premium, at least ten days' notice of cancellation accompanied by the reasons therefor shall be given. Unless the reasons of the company are included in the notice of cancellation, the notice of cancellation shall state or be accompanied by a statement that, upon written request of the named insured mailed or delivered to the insurer not less than fifteen days prior to the effective date of cancellation, the insurer will specify the reasons for such cancellation.    When the reason for cancellation does not accompany or is not included in the notice of cancellation, the insurer shall, upon written request of the named insured mailed or delivered to the insurer not less than fifteen days prior to the effective date of cancellation, specify in writing the reason for such cancellation. Such reason shall be mailed or delivered to the named insured within five days after receipt of such request.    This section shall not apply to nonrenewal of a policy.    This section shall not apply to insurers providing coverage for exempt commercial policyholders, as defined pursuant to section 10-4-1402 and rules adopted by the commissioner pursuant to that section.     History. Source: L. 76: Entire section added, p. 365, § 1, effective May 21. L. 86: (1) amended, p. 572, § 2, effective July 1. L. 99: (4) added, p. 389, § 13, effective January 15, 2000.
CO Code § 10-4-109 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 1 - General|§ 10-4-109. Nonrenewal of Medical Malpractice Policies

  No insurer shall refuse to renew a policy of medical malpractice insurance unless such insurer or its agent mails or delivers to the named insured, at the last address shown in the insurer's records, at least ninety days' advance notice of its intention not to renew. This section shall not apply:   If the insurer has already manifested its willingness to renew;    Repealed.    If the insured fails to pay any premium deposit required by the insurer for renewal.       Notwithstanding the failure of an insurer to comply with this section, the policy shall terminate on the effective date of any other malpractice liability insurance policy with respect to the particular insured, if such policy has substantially the same limits and provisions of coverage.    Renewal of a policy shall not constitute a waiver or estoppel with respect to grounds for cancellation which existed before the effective date of such renewal.    In the event an insurer refuses to renew, the insured may, by written request, demand a written notification of the reasons for nonrenewal. Such notification shall be given the insured within twenty days after receipt of such request.    Any statement of reasons contained in the notice pursuant to subsection (4) of this section shall be privileged and shall not constitute grounds for any action against the insurer or its representatives or any person who in good faith furnished to the insurer the information upon which the statement is based.    This section shall not apply to insurers providing coverage for exempt commercial policyholders, as defined pursuant to section 10-4-1402 and rules adopted by the commissioner pursuant to that section.     History. Source: L. 76: Entire section added, p. 365, § 1, effective May 21. L. 86: IP(1) amended and (1)(b) repealed, pp. 573, 575, §§ 3, 7, effective July 1. L. 99: (6) added, p. 389, § 14, effective January 15, 2000.    ANNOTATION   Effect of notice requirements on duty of insurer to renew policies. This section requires that insurer give at least ninety days' advance notice of its intention not to renew a policy. Bad faith cause of action can not be based on insurer's nonrenewal of policies where this section and other policy terms provided that insurer had no duty to renew policies. Ballow v. PHICO Ins. Co., 841 P.2d 344 (Colo. App. 1992).
CO Code § 10-4-109.5 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 1 - General|§ 10-4-109.5. Notice of Intent Prior to Unilateral Increase in Premium or Decrease in Coverage Previously Provided in Medical Malpractice Policies

  No insurer shall increase the premium unilaterally or decrease the coverage benefits previously provided as contained in a medical malpractice policy unless such insurer mails by first-class mail to the named insured, at the last address shown in the insurer's records, at least ninety days' advance notice, accompanied by the reason therefor, of the company's intention to increase the premium unilaterally or decrease the coverage benefits provided on renewal.    A notice of a decrease in coverage benefits previously provided pursuant to this section shall be valid only if it sets forth the reason for the decrease and is based on one or more of the following reasons:   Nonpayment of premium;    A false statement knowingly made by the insured on the application for insurance;    A substantial change in the exposure or risk other than that indicated in the application and underwritten as of the effective date of the policy unless the insured has notified the insurer of the change and the insurer accepts such change.       This section shall not apply to insurers providing coverage for exempt commercial policyholders, as defined pursuant to section 10-4-1402 and rules adopted by the commissioner pursuant to that section.     History. Source: L. 86: Entire section added, p. 573, § 4, effective July 1. L. 99: (3) added, p. 389, § 15, effective January 15, 2000.
CO Code § 10-4-109.7 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 1 - General|§ 10-4-109.7. Notice of Intent Prior to Cancellation of Certain Policies of Insurance

  No insurer shall cancel a policy of insurance that provides coverages on commercial exposures such as general comprehensive liability, municipal liability, automobile liability and physical damage, fidelity and surety, fire and allied lines, inland marine, errors and omissions, excess liability, products liability, police liability, professional liability, or false arrest insurance unless such insurer mails by first-class mail to the named insured, at the last address shown in the insurer's records, at least forty-five days in advance a notice of the company's intention to cancel; but, where cancellation is for nonpayment of premium, at least ten days' notice of cancellation accompanied by the reasons therefor shall be given.    A notice of cancellation pursuant to this section shall be valid only if it is based on one or more of the following reasons:   Nonpayment of premium;    A false statement knowingly made by the insured on the application for insurance;    A substantial change in the exposure or risk other than that indicated in the application and underwritten as of the effective date of the policy unless the insured has notified the insurer of the change and the insurer accepts such change.       This section shall not apply to insurance companies authorized to write surplus line insurance in Colorado.    This section shall not apply to insurers providing coverage for exempt commercial policyholders, as defined pursuant to section 10-4-1402 and rules adopted by the commissioner pursuant to that section.     History. Source: L. 86: Entire section added, p. 573, § 4, effective July 1. L. 87: (1) amended and (3) added, p. 425, § 2, effective May 1. L. 99: (4) added, p. 389, § 16, effective January 15, 2000.
CO Code § 10-4-110 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 1 - General|§ 10-4-110. Notice of Intent Prior to Nonrenewal of Certain Policies of Insurance

  No insurer shall refuse to renew a policy of insurance that provides coverages on commercial exposures such as general comprehensive liability, municipal liability, automobile liability and physical damage, fidelity and surety, fire and allied lines, inland marine, errors and omissions, excess liability, products liability, police liability, professional liability, or false arrest insurance unless such insurer mails by first-class mail to the named insured, at the last address shown in the insurer's records, at least forty-five days in advance a notice of the company's intention not to renew.    Repealed.    The provisions of this section shall not apply:   Repealed.    If the insured fails to pay any premium deposit required by the insurer for renewal;    To any policy or coverage which has been in effect less than sixty days, unless it is a renewal policy.       An insurer's failure to mail notice of intent shall be considered a manifestation of its willingness to renew.    Renewal of a policy shall not constitute a waiver or estoppel with respect to grounds for cancellation which existed before the effective date of such renewal.    This section shall not apply to insurance companies authorized to write surplus line insurance in Colorado.    This section shall not apply to insurers providing coverage for exempt commercial policyholders, as defined pursuant to section 10-4-1402 and rules adopted by the commissioner pursuant to that section.     History. Source: L. 77: Entire section added, p. 511, § 1, effective July 1. L. 86: (1) amended and (2) and (3)(a) repealed, pp. 574, 575, §§ 5, 7, effective July 1. L. 87: (1) amended and (6) added, p. 426, § 3, effective May 1. L. 99: (7) added, p. 390, § 17, effective January 15, 2000.
CO Code § 10-4-110.3 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 1 - General|§ 10-4-110.3. Exclusions Where Claim Involves Sexual Misconduct - Void

  No insurer, in a policy of professional malpractice insurance, shall attempt to nullify or limit its stated liability with regard to claims not relating to sexual misconduct in cases where:   There is an allegation or proof of a claim of sexual misconduct by the insured; and    The policy requires aggregation of all damages under the liability limit for sexual misconduct.       Any policy provision that violates subsection (1) of this section is hereby declared contrary to public policy and is void and unenforceable.    This section shall not apply to nonadmitted insurers approved pursuant to article 5 of this title.     History. Source: L. 95: Entire section added, p. 865, § 1, effective May 24.    ANNOTATION   Unambiguous exclusion from insurance policy for sexual misconduct of perpetrator did not violate the public policy concerns that gave rise to this section where such insurance policy did not require aggregation of claims or subject claims unrelated to sexual misconduct to a smaller liability limit. Church Mut. Ins. Co. v. Klein, 940 P.2d 1001 (Colo. App. 1996).
CO Code § 10-4-110.4 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 1 - General|§ 10-4-110.4. Exclusion - Claims Involving Loss in Progress Not Known to Insured

  A provision in a liability insurance policy issued to a construction professional excluding or limiting coverage for one or more claims arising from bodily injury, property damage, advertising injury, or personal injury that occurs before the policy's inception date and that continues, worsens, or progresses when the policy is in effect is void and unenforceable if the exclusion or limitation applies to an injury or damage that was unknown to the insured at the policy's inception date.    Any provision in an insurance policy issued in violation of this section is void and unenforceable as against public policy. A court shall construe an insurance policy containing a provision that is unenforceable under this section as if the provision was not a part of the policy when the policy was issued.    This section applies only to an insurance policy that covers occurrences of damage or injury during the policy period and that insures a construction professional for liability arising from construction-related work.     History. Source: L. 2010: Entire section added,(HB 10-1394), ch. 253, p. 1128, § 2, effective May 21.    ANNOTATION   Law reviews. For article, “H.B. 10-1394: New Law Governing Insurance Coverage for Construction Defect Claims”, see 39 Colo. Law. 89 (Aug. 2010). For article, “Greystone and Insurance Coverage for ‘Get To' and ‘Rip and Tear' Expenses”, see 41 Colo. Law. 69 (March 2012).
CO Code § 10-4-110.6 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 1 - General|§ 10-4-110.6. Homeowner's Insurance - Definition

 For the purposes of this article, “homeowner's insurance” means insurance that covers damage or loss to all types of homes, including, but not limited to, site-built homes, manufactured homes, factory-built homes, and mobile homes.   History. Source: L. 2004: Entire section added, p. 1972, § 2, effective August 4; entire section added, p. 1981, § 2, effective January 1, 2005.
CO Code § 10-4-110.9 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 1 - General|§ 10-4-110.9. Fire Insurance - Issuance and Renewal of Policies Within Federally Designated Disaster Areas

  No insurer shall refuse to issue a fire insurance policy for any property located within a federally designated disaster area, so designated because of wildfire, where such refusal is based on such property's zip code, county location, or distance from any wildfire. This section shall not apply to property that is located within an immediately threatened area as designated by the appropriate state, local, or federal official.    An insurer shall not refuse to renew an existing fire insurance policy for property that is within an area that has been declared a federally designated disaster area for any reason that is related to wildfire. As a condition of such renewal, an insurer may require a property owner to take reasonable actions to reduce the risk of fire to such property.    If a property owner refinances a mortgage on an insured property that falls within an area that has been declared a federally designated disaster area because of wildfire, the insurer of such property shall continue to provide coverage for the remaining term of the existing fire insurance policy, adjusted as required by the mortgage lender for any increase or decrease in the value of such property. Such required adjustment shall not conflict with the requirements of section 10-4-114.    The commissioner of insurance may adopt rules as necessary for implementation of this section.     History. Source: L. 2002, 3rd Ex. Sess.: Entire section added, p. 50, § 1, effective July 18.
CO Code § 10-4-111 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 1 - General|§ 10-4-111. Summary Disclosure Forms Required

  Every insurer issuing policies of dwelling fire insurance, homeowners insurance, or automobile insurance subject to the provisions of part 6 of this article shall, as a condition of doing business in this state, have on file for public inspection at the division a summary disclosure form that contains a simple explanation of the major coverages and exclusions of such policies of insurance together with a recitation of general factors considered in cancellation, nonrenewal, and increase in premium situations. Each summary disclosure form shall provide notice in bold face letters that the policyholder should read the policy for complete details, and such disclosure form shall not be construed to replace any provision of the policy itself. In the event of any conflict between the policy and the disclosure form, the provisions of the policy shall prevail.    Every insurer shall update disclosure forms periodically subject to changes in major coverages and exclusions of such policies of insurance and changes in factors considered in cancellation, nonrenewal, and increase in premium situations.    Every insurer or its designated agent shall furnish the required disclosure form to:   Applicants for insurance coverage at the time of the initial insurance purchase;    Policyholders of any renewal policy when there are changes in major coverages and exclusions or changes in factors considered in cancellation, nonrenewal, and increase in premium situations; and    Homeowner's insurance policyholders at least annually.       Any insurer who violates the provisions of subsection (1) of this section shall be deemed to have engaged in unfair or deceptive acts or practices prohibited by section 10-3-1104 (1)(a)(I) and shall be subject to the penalties provided in section 10-3-1108 and 10-3-1109.    In addition to the disclosure requirements in this section, every insurer or producer who issues automobile insurance policies pursuant to part 6 of this article shall comply with the disclosure requirements in section 10-4-636.     History. Source: L. 79: Entire section added, p. 360, § 6, effective July 1. L. 92: Entire section amended, p. 1557, § 55, effective May 20. L. 2006: (1) amended, p. 1490, § 11, effective June 1; (1) amended and (5) added, p. 37, § 1, effective January 1, 2007. L. 2013: (3) amended,(HB 13-1225), ch. 183, p. 675, § 3, effective January 1, 2014.    Editor's note:   Amendments to subsection (1) by House Bill 06-1391 and House Bill 06-1030 were harmonized.   Cross references:   In 2013, subsection (3) was amended by the “Homeowner's Insurance Reform Act of 2013”. For the short title, see section 1 of chapter 183, Session Laws of Colorado 2013.   ANNOTATION   Homeowners' policy, which excluded coverage for intentional conduct of “any insured”, did not provide coverage for property damage intentionally caused by the insureds' minor son, where policy defined “insured” to include son. Chacon v. Am. Family Mut. Ins. Co., 762 P.2d 732 (Colo. App. 1988).
CO Code § 10-4-113 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 1 - General|§ 10-4-113. Exemptions

  The commissioner shall have authority to grant reasonable exemptions from the provisions of sections 10-4-107, 10-4-108 (1), 10-4-109 (1), 10-4-109.5, 10-4-109.7, 10-4-110 (1), and 10-4-110.5 if compliance therewith is shown to be impracticable. Such exemptions may be granted to individual companies or by insurance line, type, or class and may be based on any of the following reasons:   If the primary insurer, due to forces outside its control, has lost all or a significant portion of its reinsurance and the insurer can provide proof that the continuance of coverage or the continuance of the same premium and coverage would endanger the direct insurer's solvency;    If a policy issued in this state covers risks with multistate locations, except with respect to coverages applicable to locations within this state;    If the insurer is obligated and fails to send advance notice of cancellation or nonrenewal to any designated mortgagee or loss payee or motor carrier commission;    If the insured has replaced his coverage or has specifically requested cancellation. The insurer must maintain in its file properly documented proof that termination was made at the request of the insured. This applies also to reduction in coverage specifically requested by the insured.    If the policy has been in effect for less than sixty days at the time the notice is mailed or delivered, unless the policy is a renewal policy, and there has been a material misrepresentation or nondisclosure to the insurer of a material fact at the time of acceptance of the risk;    If the policy is a policy written for a period of less than six months or a binder with a specific expiration date and the insured knows in advance that coverage will not be continued on expiration;    If an insurer has become insolvent and cancellation is ordered by a rehabilitator or liquidator;    If a risk is canceled and rewritten with the same insurer in order to obtain common expiration dates;    If a named insured fails to comply with loss control recommendations which the insured agreed would be implemented as a condition of issuance of the policy;    Such other exemptions as the commissioner may determine are reasonable and necessary; or    If the insurer is providing coverage for exempt commercial policyholders, as defined pursuant to section 10-4-1402 and rules adopted by the commissioner pursuant to that section.        History. Source: L. 86: Entire section added, p. 578, § 1, effective July 1. L. 99: (1)(k) added, p. 390, § 18, effective January 15, 2000.
CO Code § 10-4-114 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 1 - General|§ 10-4-114. Requirements on Hazard Insurance Coverage for Loans Secured by Real Property

  No lender shall require a borrower under a loan secured by real property to provide hazard insurance coverage on that property in an amount exceeding the replacement value of the improvements on the property.    Any person harmed by a violation of this section shall be entitled to obtain injunctive relief and may recover damages and reasonable attorney fees and costs.    A violation of this section does not affect the validity of the loan or the mortgage or deed of trust.     History. Source: L. 88: Entire section added, p. 403, § 2, effective April 29.    ANNOTATION   Law reviews. For article, “The Standard Mortgage Clause”, see 20 Colo. Law. 731 (1991).