76616238.2-2107Virginia Decodedhttps://vacode.org2016InsuranceFire Insurance PoliciesCommission may establish guidelines for filing readable fire insurance policy forms1977, c. 255, § 38.1-367.1; 1979, c. 176; 1986, c. 562; 2003, c. 930; 2013, c. 12. . . . James O. Powell Gwen J. Powell v. United States Fidelity and . . . 94-159588 F.3d 2711996-07-02https://www.courtlistener.com/opinion/721329/james-o-powell-gwen-j-powell-v-united-states-fidelity-and-guaranty/Court of Appeals for the Fourth CircuitZaeno Intern., Inc. v. State Farm Fire and Cas.CIV.A. 01-507-A152 F. Supp. 2d 8822001-08-09https://www.courtlistener.com/opinion/2482883/zaeno-intern-inc-v-state-farm-fire-and-cas/ . . . approved ... prior to issuance." Va.Code § 38.2-2107. The Virginia standard insurance policy form, . . . District Court, E.D. VirginiaStone v. CERTAIN UNDERWRITERS AT LLOYDS LONDONCIV.A. 02-1768-A258 F. Supp. 2d 4362003-04-21https://www.courtlistener.com/opinion/2480334/stone-v-certain-underwriters-at-lloyds-london/ . . . policies.[7]See Va.Code § 38.2-2105. Under Va.Code § 38.2-2107, a fire insurance policy's . . . District Court, E.D. VirginiaWhitaker v. Nationwide Mut. Fire Ins. Co.Civ.A. 2:99CV994115 F. Supp. 2d 6121999-09-19https://www.courtlistener.com/opinion/2580284/whitaker-v-nationwide-mut-fire-ins-co/ . . . drafters of Virginia Code Sections 38.2-2105 and 38.2-2107. See Coker v. State Farm Fire & . . . District Court, E.D. VirginiaAllstate v. Ploutis1415362015-09-17https://www.courtlistener.com/opinion/3150558/allstate-v-ploutis/ . . . Commission prior to . . . <abbr title="Supreme Court of Virginia">SCV</abbr>Allstate v. Ploutis1415362015-09-17https://www.courtlistener.com/opinion/2959685/allstate-v-ploutis/ . . . Commission prior to . . . <abbr title="Supreme Court of Virginia">SCV</abbr>Powell v. U S Fidelity Insur94-15951996-07-02https://www.courtlistener.com/opinion/2966457/powell-v-u-s-fidelity-insur/ . . . Commission prior to issuance." Va. Code Ann.§ 38.2-2107.1 The Vir- . . . Court of Appeals for the Fourth CircuitAllstate Insurance Company v. Charity9706711998-01-09https://www.courtlistener.com/opinion/1059971/allstate-insurance-company-v-charity/ . . . does not require a different result. Section 38.2- . . . <abbr title="Supreme Court of Virginia">SCV</abbr>http://law.lis.virginia.gov/vacode/38.2-2107//38.2-2107/38.2/21/38.2-2107

The Commission may establish guidelines for the filing of simplified and readable policies of insurance. An insurer may issue a simplified and readable policy of insurance that deviates in language from the standard policy form provided for in §§ 38.2-2104, 38.2-2105, and 38.2-2106 if the deviating policy form is (i) in no respect less favorable to the insured than the standard policy form, and is (ii) approved by the Commission prior to issuance.section

A

AA1

Notwithstanding the pro rata liability provision included in § 38.2-2105, such simplified and readable policies or endorsements may be issued to apply on an excess basis if such provisions are clearly stated in the policy form or endorsement.section

B

BB1