Bill Text: CT HB06380 | 2013 | General Assembly | Comm Sub
Bill Title: An Act Concerning Property And Casualty Insurance Policies And Public Adjuster Contracts.
Spectrum: Bipartisan Bill
Status: (Passed) 2013-06-18 - Signed by the Governor [HB06380 Detail]
Download: Connecticut-2013-HB06380-Comm_Sub.html
General Assembly |
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January Session, 2013 |
*_____HB06380INS___031513____* |
AN ACT CONCERNING PROPERTY AND CASUALTY INSURANCE POLICIES.
Be it enacted by the Senate and House of Representatives in General Assembly convened:
Section 1. (NEW) (Effective October 1, 2013) (a) When a covered loss for real property requires the replacement of an item or items and the replacement item or items do not match adjacent items in quality, color or size, the insurer shall replace all such items so as to conform to a reasonably uniform appearance. This provision shall apply to interior and exterior covered losses. The insured shall not bear any cost over the applicable deductible, if any, for such replacement.
(b) Nothing in this subsection shall be construed to impose liability on an insurer as a warrantor of any work performed pursuant to this subsection.
(c) Nothing in this subsection shall be construed to authorize or preclude enforcement of policy provisions relating to settlement disputes.
Sec. 2. (NEW) (Effective October 1, 2013) (a) The declination, cancellation or nonrenewal of a homeowners insurance policy is prohibited if the declination, cancellation or nonrenewal is based solely on a loss incurred as a result of a catastrophic event. For the purposes of this section, an insurer shall not be deemed to have declined, cancelled or nonrenewed a policy if coverage is available through an affiliated insurer.
(b) The declination or nonrenewal of a homeowners insurance policy, the addition of a surcharge or any increase in the premium of such policy is prohibited if the declination, nonrenewal, surcharge or increase is based solely on any claim filed on the covered property while such property was owned by anyone other than the current applicant or insured, unless the risk from which such claim originated has not been mitigated.
(c) The cancellation or nonrenewal of a homeowners insurance policy or an increase in the premium of such policy is prohibited if the cancellation, nonrenewal or increase is based solely on inquiries made on such policy or a claim filed under such policy that resulted in a loss coverage payment by the insurer of less than five hundred dollars or in no loss coverage payment. Such prohibition shall not apply if the insured filed more than one claim resulting from a noncatastrophic event in the three policy years immediately preceding that resulted in any loss coverage payment by the insurer.
This act shall take effect as follows and shall amend the following sections: | ||
Section 1 |
October 1, 2013 |
New section |
Sec. 2 |
October 1, 2013 |
New section |
INS |
Joint Favorable Subst. |