<?xml version='1.0' encoding='utf-8'?>
<section article="gin" article_name="Insurance" number="19-704" title_number="19" title_name="Property and Casualty Insurance" subtitle_number="7" subtitle_name="Lead Hazard Coverage for Rental Property">
  <level label="a">
    <text>This section applies only to lead hazard coverage for affected properties.</text>
  </level>
  <level label="b">
    <text>This section does not affect coverage for property damage or any other form of coverage provided in a policy or insurance contract for an affected property.</text>
  </level>
  <level label="c">
    <text>Notwithstanding subsection (g) of this section, whenever an authorized insurer issues or renews a policy for an affected property, the authorized insurer may include in the policy a lead hazard coverage exclusion.</text>
  </level>
  <level label="d">
    <text>If a policy issued or renewed by an authorized insurer on or after February 24, 1996, for an affected property contains a lead hazard coverage exclusion, the authorized insurer shall waive the exclusion to the extent of a qualified offer made or to be made under Title 6, Subtitle 8, Part V of the Environment Article:</text>
    <level label="1">
      <text>if the owner of the affected property complies with Title 6, Subtitle 8, Part III of the Environment Article;</text>
    </level>
    <level label="2">
      <text>if at the election of the insured, and whether or not a change in occupancy has occurred, the affected property:</text>
      <level label="i">
        <text>passes the test for lead-contaminated dust under § 6-816 of the Environment Article; or</text>
      </level>
      <level label="ii">
        <text>has undergone the lead hazard reduction treatments and complies with the risk reduction standard under § 6-815(a)(2) of the Environment Article; and</text>
      </level>
    </level>
    <level label="3">
      <text>if the insured submits to the authorized insurer a current verified report completed by an accredited inspector under § 6-818 of the Environment Article certifying that the affected property complies with the standards set forth in item (2) of this subsection.</text>
    </level>
  </level>
  <level label="e">
    <text>Instead of waiving a lead hazard coverage exclusion as required by subsection (d) of this section, after receiving approval from the Commissioner, an authorized insurer may offer an alternative form of coverage for a qualified offer made or to be made under Title 6, Subtitle 8, Part V of the Environment Article.</text>
  </level>
  <level label="f">
    <text>An authorized insurer may exclude lead hazard coverage for an affected property in excess of the amount of a qualified offer made or to be made under Title 6, Subtitle 8, Part V of the Environment Article.</text>
  </level>
  <level label="g">
    <level label="1">
      <text>An authorized insurer may cancel or nonrenew lead hazard coverage or reimpose a lead hazard coverage exclusion in a policy for an affected property only if:</text>
      <level label="i">
        <text>the insured fails to:</text>
        <level label="1">
          <text>pay the applicable premium;</text>
        </level>
        <level label="2">
          <text>provide the authorized insurer or the authorized insurer’s designee reasonable access to the affected property to inspect for the presence or condition of lead;</text>
        </level>
        <level label="3">
          <text>comply with the terms or conditions of the policy; or</text>
        </level>
        <level label="4">
          <text>perform lead hazard reduction treatments; or</text>
        </level>
      </level>
      <level label="ii">
        <text>the affected property fails to comply or maintain compliance with the risk reduction standard under § 6-815(a)(2) of the Environment Article.</text>
      </level>
    </level>
    <level label="2">
      <level label="i">
        <text>An authorized insurer may cancel or nonrenew lead hazard coverage or reimpose a lead hazard coverage exclusion under paragraph (1)(i)4 or (ii) of this subsection only if the authorized insurer:</text>
        <level label="1">
          <text>mails written notice to the insured that the authorized insurer intends to cancel or nonrenew the coverage or to reimpose the exclusion; and</text>
        </level>
        <level label="2">
          <text>provides an opportunity to the insured to correct the violation within 30 days after the notice is mailed.</text>
        </level>
      </level>
      <level label="ii">
        <text>Coverage is automatically reinstated if the violation is corrected within 30 days after the notice is mailed.</text>
      </level>
      <level label="iii">
        <text>Within 45 days after mailing a notice of cancellation or nonrenewal of coverage or reimposition of an exclusion under this paragraph, the authorized insurer shall send a copy of the notice to the Secretary of the Environment or a designee of the Secretary, and include the results of any inspection of the affected property.</text>
      </level>
    </level>
  </level>
</section>
