COVID-19 Procedures: All business with the Commission should be through electronic filing systems, email, or by telephone. For public health safety, in-person visits to SCC offices are suspended. Filings or other deliveries are permitted by drop off at main entrance. On-site staff is minimal and processing of such deliveries may be delayed.
However, you may not be refused insurance solely because of your age, sex, residence, race, color, creed, national origin, ancestry, marital status or lawful occupation, including the military service. Also, you may not be refused insurance:
- solely because of the age of your home;
- because you were denied insurance by another company; or
- because you purchased insurance through the Virginia Property Insurance Association.
The specific reasons for canceling your owner-occupied policy after the first 90 days are:
- failure to pay the premium for the policy when due;
- conviction of a crime arising out of acts increasing the hazard insured against;
- discovery of fraud or material misrepresentation;
- willful or reckless acts or omissions increasing the hazard insured against as determined from a physical inspection of the insured premises; or
- physical changes in the property that result in the property becoming uninsurable as determined from a physical inspection of the insured premises.
An insurance company that intends to cancel or non-renew your homeowners policy must give you notice in writing stating the termination date and the reason for termination. The notice must also tell you that you have a right to appeal to the Insurance Commissioner and that you might be eligible for insurance through the Virginia Property Insurance Association.
The cancellation and non-renewal laws do not apply to renters insurance. Check your renters policy or the applicable termination provisions of call your agent or company if you have any questions.