<?xml version='1.0' encoding='utf-8'?>
<section article="gin" article_name="Insurance" number="19-215" 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 issues a policy of homeowner’s insurance in the State that contains an anti–concurrent causation (ACC) clause shall provide a policyholder each year with a notice that:</text>
    <level label="1">
      <text>is clear and specific;</text>
    </level>
    <level label="2">
      <text>describes the ACC clause;</text>
    </level>
    <level label="3">
      <text>informs the insured to read the policy for complete information on the exclusions; and</text>
    </level>
    <level label="4">
      <text>states that the insured should communicate with the insurance producer or the insurer for additional information regarding the scope of the exclusions.</text>
    </level>
  </level>
  <level label="b">
    <text>The notice under subsection (a) of this section:</text>
    <level label="1">
      <text>is not part of the policy or contract of insurance; and</text>
    </level>
    <level label="2">
      <text>does not create a private right of action.</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>The Commissioner may adopt regulations to implement this section.</text>
  </level>
</section>
