Enforce Insurer Compliance Requests Insurance Policy

The bill modifies current law regarding the process by which a policyholder may request a certified copy of their insurance policy (policy) from a homeowner's insurance carrier (carrier) and the carrier's duty to comply. The bill clarifies that such a request must be in written form and received by the carrier's registered agent (agent) and that the carrier's window of time to make the policy available begins when the agent receives the request.

The bill also creates civil liability for imposes a penalty against a carrier that fails to comply with a policyholder's request for a certified copy of their policy by imposing damages in the amount of $50 per day for each day the carrier is late.

(Note: Italicized words indicate new material added to the original summary; dashes through words indicate deletions from the original summary.)

(Note: This summary applies to the reengrossed version of this bill as introduced in the second house.)