§ 19-202. Coverage for water damage

   (a) In general. -- An insurer that issues, sells, or delivers a homeowner's insurance policy shall at time of application and renewal offer in writing to provide coverage for loss that:

   (1) is caused by or results from water that backs up through sewers or drains; and

   (2) is not caused by the negligence of the insured.

(b) Telephone renewals. -- If an application or renewal is made by telephone, the insurer is deemed to be in compliance with subsection (a) of this section if, within 7 calendar days after the date of application or renewal, the insurer sends by certificate of mailing the offer to the applicant or insured.

(c) Internet renewals. -- If an application or renewal is made using the Internet, the insurer is deemed to be in compliance with subsection (a) of this section if the insurer provides the offer to the applicant or insured prior to submission of the application or renewal.

HISTORY: An. Code 1957, art. 48A, § 478 1/2; 1996, ch. 11; 2006, ch. 388, § 1; 2008, ch. 72.