{"law_id":"783482","section_number":"38.2-2127","catch_line":"Notice of change in deductible","history":"2004, c. 745.","order_by":null,"metadata":false,"court_decisions":{},"official_url":"http:\/\/law.lis.virginia.gov\/vacode\/38.2-2127\/","refers_to":false,"url":"\/38.2-2127\/","token":"38.2\/21\/38.2-2127","structure":{"1":{"id":"849","name":"Fire Insurance Policies","identifier":"21","label":"chapter","url":"\/38.2\/21\/"},"2":{"id":"7","name":"Insurance","identifier":"38.2","label":"title","url":"\/38.2\/"}},"referred_to_by":false,"edition_id":"11","section_id":"783482","structure_id":"849","full_text":"Whenever an insurer unilaterally changes the deductible under a policy written to insure an owner-occupied dwelling, the insurer shall provide a written notice that (i) explicitly states that the deductible has changed and (ii) explains how the new deductible will be applied. Nothing in this section shall allow an insurer to change a deductible except at renewal. This section shall apply to all policies renewed in the Commonwealth on or after October 1, 2004.","text":{"0":{"id":"2526934","text":"Whenever an insurer unilaterally changes the deductible under a policy written to insure an owner-occupied dwelling, the insurer shall provide a written notice that (i) explicitly states that the deductible has changed and (ii) explains how the new deductible will be applied. Nothing in this section shall allow an insurer to change a deductible except at renewal. This section shall apply to all policies renewed in the Commonwealth on or after October 1, 2004.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":{"1":{"id":"849","name":"Fire Insurance Policies","identifier":"21","label":"chapter","url":"\/38.2\/21\/"},"2":{"id":"7","name":"Insurance","identifier":"38.2","label":"title","url":"\/38.2\/"}},"structure_contents":{"0":{"id":"766377","structure_id":"849","section_number":"38.2-2100","catch_line":"Application of chapter","url":"\/38.2-2100\/","token":"38.2\/21\/38.2-2100"},"1":{"id":"787887","structure_id":"849","section_number":"38.2-2101","catch_line":"Policies shall conform to provisions of this chapter","url":"\/38.2-2101\/","token":"38.2\/21\/38.2-2101"},"2":{"id":"765651","structure_id":"849","section_number":"38.2-2102","catch_line":"Excluding loss or damage caused by nuclear reaction, nuclear radiation, or radioactive contamination","url":"\/38.2-2102\/","token":"38.2\/21\/38.2-2102"},"3":{"id":"768331","structure_id":"849","section_number":"38.2-2103","catch_line":"Information to be printed on policy","url":"\/38.2-2103\/","token":"38.2\/21\/38.2-2103"},"4":{"id":"766162","structure_id":"849","section_number":"38.2-2107","catch_line":"Commission may establish guidelines for filing readable fire insurance policy forms","url":"\/38.2-2107\/","token":"38.2\/21\/38.2-2107"},"5":{"id":"796497","structure_id":"849","section_number":"38.2-2108","catch_line":"Standards for content of fire insurance policies","url":"\/38.2-2108\/","token":"38.2\/21\/38.2-2108"},"6":{"id":"771408","structure_id":"849","section_number":"38.2-2109","catch_line":"Execution of policies","url":"\/38.2-2109\/","token":"38.2\/21\/38.2-2109"},"7":{"id":"767565","structure_id":"849","section_number":"38.2-2110","catch_line":"Other matter permitted in the policy","url":"\/38.2-2110\/","token":"38.2\/21\/38.2-2110"},"8":{"id":"792030","structure_id":"849","section_number":"38.2-2111","catch_line":"Special regulations to be added to policy","url":"\/38.2-2111\/","token":"38.2\/21\/38.2-2111"},"9":{"id":"780725","structure_id":"849","section_number":"38.2-2112","catch_line":"Temporary insurance contracts; duration; what deemed to include","url":"\/38.2-2112\/","token":"38.2\/21\/38.2-2112"},"10":{"id":"775586","structure_id":"849","section_number":"38.2-2113","catch_line":"Mailing or electronic delivery of notice of cancellation or refusal to renew","url":"\/38.2-2113\/","token":"38.2\/21\/38.2-2113"},"11":{"id":"784991","structure_id":"849","section_number":"38.2-2114","catch_line":"Grounds and procedure for termination of policy; contents of notice; review by Commissioner; exceptions; immunity from liability","url":"\/38.2-2114\/","token":"38.2\/21\/38.2-2114"},"12":{"id":"765821","structure_id":"849","section_number":"38.2-2114.1","catch_line":"Powers of Commission; replacement policies","url":"\/38.2-2114.1\/","token":"38.2\/21\/38.2-2114.1"},"13":{"id":"770743","structure_id":"849","section_number":"38.2-2115","catch_line":"Discrimination in issuance of fire insurance","url":"\/38.2-2115\/","token":"38.2\/21\/38.2-2115"},"14":{"id":"789653","structure_id":"849","section_number":"38.2-2116","catch_line":"Policies issued by two or more insurers","url":"\/38.2-2116\/","token":"38.2\/21\/38.2-2116"},"15":{"id":"775880","structure_id":"849","section_number":"38.2-2117","catch_line":"Approval of forms or provisions for additional coverage","url":"\/38.2-2117\/","token":"38.2\/21\/38.2-2117"},"16":{"id":"778268","structure_id":"849","section_number":"38.2-2118","catch_line":"(Applicable to new or renewal policies issued on or after January 1, 2017) Required statement on insurance policies for owner-occupied dwellings","url":"\/38.2-2118\/","token":"38.2\/21\/38.2-2118"},"17":{"id":"766195","structure_id":"849","section_number":"38.2-2118","catch_line":"(Applicable to new or renewal policies issued before January 1, 2017) Required statement on insurance policies for owner-occupied dwellings","url":"\/38.2-2118\/","token":"38.2\/21\/38.2-2118"},"18":{"id":"793490","structure_id":"849","section_number":"38.2-2119","catch_line":"(Applicable to new or renewal policies issued on or after January 1, 2017) Approval of forms or provisions for certain risks","url":"\/38.2-2119\/","token":"38.2\/21\/38.2-2119"},"19":{"id":"793796","structure_id":"849","section_number":"38.2-2119","catch_line":"(Applicable to new or renewal policies issued before January 1, 2017) Approval of forms or provisions for certain risks","url":"\/38.2-2119\/","token":"38.2\/21\/38.2-2119"},"20":{"id":"780075","structure_id":"849","section_number":"38.2-2120","catch_line":"(Applicable to new or renewal policies issued on or after January 1, 2017) Optional coverage to be offered with homeowner's policy","url":"\/38.2-2120\/","token":"38.2\/21\/38.2-2120"},"21":{"id":"782742","structure_id":"849","section_number":"38.2-2120","catch_line":"(Applicable to new or renewal policies issued before January 1, 2017) Optional coverage to be offered with homeowner's policy","url":"\/38.2-2120\/","token":"38.2\/21\/38.2-2120"},"22":{"id":"777510","structure_id":"849","section_number":"38.2-2121","catch_line":"When courts may appoint umpires","url":"\/38.2-2121\/","token":"38.2\/21\/38.2-2121"},"23":{"id":"778858","structure_id":"849","section_number":"38.2-2122","catch_line":"Appraisers and umpire to be citizens of Virginia; oath to be taken","url":"\/38.2-2122\/","token":"38.2\/21\/38.2-2122"},"24":{"id":"788307","structure_id":"849","section_number":"38.2-2123","catch_line":"Chapter not applicable to certain mutual insurers","url":"\/38.2-2123\/","token":"38.2\/21\/38.2-2123"},"25":{"id":"781690","structure_id":"849","section_number":"38.2-2124","catch_line":"Optional coverage to be offered with fire insurance policy","url":"\/38.2-2124\/","token":"38.2\/21\/38.2-2124"},"26":{"id":"774966","structure_id":"849","section_number":"38.2-2125","catch_line":"Notice regarding flood exclusion","url":"\/38.2-2125\/","token":"38.2\/21\/38.2-2125"},"27":{"id":"784198","structure_id":"849","section_number":"38.2-2126","catch_line":"Insurance credit score disclosure; use of credit information","url":"\/38.2-2126\/","token":"38.2\/21\/38.2-2126"},"28":{"id":"783482","structure_id":"849","section_number":"38.2-2127","catch_line":"Notice of change in deductible","url":"\/38.2-2127\/","token":"38.2\/21\/38.2-2127"},"29":{"id":"773150","structure_id":"849","section_number":"38.2-2128","catch_line":"Certain exclusions permitted","url":"\/38.2-2128\/","token":"38.2\/21\/38.2-2128"},"30":{"id":"786768","structure_id":"849","section_number":"38.2-2129","catch_line":"Notice regarding earthquake exclusion","url":"\/38.2-2129\/","token":"38.2\/21\/38.2-2129"},"31":{"id":"775830","structure_id":"849","section_number":"38.2-2130","catch_line":"Coverage for volunteer fire department costs","url":"\/38.2-2130\/","token":"38.2\/21\/38.2-2130"}},"previous_section":{"id":"784198","structure_id":"849","section_number":"38.2-2126","catch_line":"Insurance credit score disclosure; use of credit information","url":"\/38.2-2126\/","token":"38.2\/21\/38.2-2126"},"next_section":{"id":"773150","structure_id":"849","section_number":"38.2-2128","catch_line":"Certain exclusions permitted","url":"\/38.2-2128\/","token":"38.2\/21\/38.2-2128"},"references":false,"formats":{"txt":"\/38.2-2127.txt","json":"\/38.2-2127.json","xml":"\/38.2-2127.xml"},"dublin_core":{"Title":"Notice of change in deductible","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-2127","Relation":"Code of Virginia"},"plain_text":"                                 CODE OF VIRGINIA\n\nNOTICE OF CHANGE IN DEDUCTIBLE (\u00a7 38.2-2127)\n\nWhenever an insurer unilaterally changes the deductible under a policy written\nto insure an owner-occupied dwelling, the insurer shall provide a written notice\nthat (i) explicitly states that the deductible has changed and (ii) explains how\nthe new deductible will be applied. Nothing in this section shall allow an\ninsurer to change a deductible except at renewal. This section shall apply to\nall policies renewed in the Commonwealth on or after October 1, 2004.\n\nHISTORY: 2004, c. 745."}