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<section article="gin" article_name="Insurance" number="19-214" title_number="19" title_name="Property and Casualty Insurance" subtitle_number="2" subtitle_name="Homeowner's Insurance Policies">
  <level label="a">
    <text>An insurer that offers homeowner’s insurance in the State shall provide a written notice to the insured at the time of application or issuance and at each renewal of the policy that states, in substantially similar language, that, in addition to the other allowable reasons for cancellation or refusal to renew under Maryland law:</text>
    <level label="1">
      <text>the insurer may cancel or refuse to renew coverage on the basis of the number of claims made by the policyholder within the preceding 3–year period; and</text>
    </level>
    <level label="2">
      <text>the insurer may cancel or refuse to renew coverage on the basis of:</text>
      <level label="i">
        <text>three or more weather–related claims made within the preceding 3–year period;</text>
      </level>
      <level label="ii">
        <text>one or more weather–related claims made within the preceding 3–year period if the insurer has provided written notice to the insured for reasonable or customary repairs or replacement specific to the insured’s premises or dwelling that:</text>
        <level label="1">
          <text>the insured failed to make; and</text>
        </level>
        <level label="2">
          <text>if made, would have prevented the loss for which a claim was made; and</text>
        </level>
      </level>
      <level label="iii">
        <text>a change in the physical condition or contents of the premises that:</text>
        <level label="1">
          <text>increases the hazard insured against; and</text>
        </level>
        <level label="2">
          <text>if present and known to the insurer before the issuance of the policy, would have caused the insurer to refuse to issue the policy.</text>
        </level>
      </level>
    </level>
  </level>
  <level label="b">
    <text>In order to support cancellation or refusal to renew under subsection (a)(2)(ii) of this section, the written notice:</text>
    <level label="1">
      <text>must refer to specific conditions known to the insurer concerning the insured’s specific premises or dwelling; and</text>
    </level>
    <level label="2">
      <text>may not be a general notification of repairs or replacements common to that type of premises or dwelling.</text>
    </level>
  </level>
  <level label="c">
    <text>A notice required by this section may be delivered by electronic means if the insurer complies with the requirements of § 27–601.2 of this article.</text>
  </level>
  <level label="d">
    <text>An insurer may comply with the renewal notice requirements of this section by sending the notice authorized by § 19–216 of this subtitle.</text>
  </level>
</section>
