# Insurance (GIN)

## Title 12. Policy Forms and Provisions

### Subtitle 1. General Provisions

#### Section 12-105

Without limitation of any right or defense of an insurer, the following acts by or on behalf of an insurer are not considered to be a waiver of a provision of a policy or of a defense of the insurer under the policy:

(1) acknowledging the receipt of notice of loss or claim under the policy;

(2) furnishing a form for:

  (i) reporting a loss or claim;

  (ii) giving information relating to a loss or claim; or

  (iii) making proof of a loss;

(3) receiving or acknowledging receipt of a form or proof listed in item (2) of this section, completed or uncompleted;

(4) investigating a loss or claim under a policy; or

(5) engaging in negotiations toward settlement of a loss or claim.

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Md. Code Ann., Ins. (as displayed at mgaleg.maryland.gov, October 16, 2026)