{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2026\/code-json\/38.2-2108.1.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2026\/code-text\/38.2-2108.1.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2026\/code-xml\/38.2-2108.1.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2026\/code-html\/38.2-2108.1.html"}],"law_id":361749,"edition_id":2,"section_id":361749,"structure_id":51711,"section_number":"38.2-2108.1","catch_line":"Commercial fire insurance policies; changes to amount of coverage","history":"2019, c. 693.","full_text":"No insurer shall, after a new or renewal contract or policy of fire insurance or fire insurance in combination with other coverage that has been issued or delivered in the Commonwealth to insure commercial property located in the Commonwealth has been in effect for 60 days, initiate and issue any endorsement to the contract or policy that increases or decreases the amount of coverage on such property unless the first named insured has consented in writing to such proposed change in the amount of coverage.\n\n","order_by":null,"text":{"0":{"id":1346816,"text":"No insurer shall, after a new or renewal contract or policy of fire insurance or fire insurance in combination with other coverage that has been issued or delivered in the Commonwealth to insure commercial property located in the Commonwealth has been in effect for 60 days, initiate and issue any endorsement to the contract or policy that increases or decreases the amount of coverage on such property unless the first named insured has consented in writing to such proposed change in the amount of coverage.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":51711,"edition_id":2,"name":"Fire Insurance Policies","identifier":"21","label":"chapter","depth":2,"order_by":21,"parent_id":51644,"metadata":{"child_laws":34,"child_structures":0},"date_created":"2026-08-02 02:46:56","date_modified":"2026-08-02 12:33:06","permalink":{"id":1440409,"object_type":"structure","relational_id":51711,"identifier":"21","token":"38.2\/21","url":"\/38.2\/21\/","edition_id":2,"permalink":0,"preferred":1}},{"id":51644,"edition_id":2,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":88,"parent_id":null,"metadata":{"child_laws":1890,"child_structures":173},"date_created":"2026-08-02 02:45:30","date_modified":"2026-08-02 12:32:55","permalink":{"id":1437663,"object_type":"structure","relational_id":51644,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":2,"permalink":0,"preferred":1}}],"structure_contents":[{"id":361741,"structure_id":51711,"section_number":"38.2-2100","catch_line":"Application of chapter","url":"\/38.2-2100\/","token":"38.2\/21\/38.2-2100","metadata":false},{"id":361742,"structure_id":51711,"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","metadata":false},{"id":361743,"structure_id":51711,"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","metadata":{"court_decisions":""}},{"id":361744,"structure_id":51711,"section_number":"38.2-2103","catch_line":"Information to be printed on policy","url":"\/38.2-2103\/","token":"38.2\/21\/38.2-2103","metadata":false},{"id":361745,"structure_id":51711,"section_number":"38.2-2104","catch_line":"Standard insuring agreement for fire insurance policies","url":"\/38.2-2104\/","token":"38.2\/21\/38.2-2104","metadata":false},{"id":361746,"structure_id":51711,"section_number":"38.2-2105","catch_line":"Standard provisions, conditions, stipulations and agreements for such policies","url":"\/38.2-2105\/","token":"38.2\/21\/38.2-2105","metadata":false},{"id":361747,"structure_id":51711,"section_number":"38.2-2106","catch_line":"Standard form for execution of policies","url":"\/38.2-2106\/","token":"38.2\/21\/38.2-2106","metadata":false},{"id":361748,"structure_id":51711,"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","metadata":false},{"id":361750,"structure_id":51711,"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","metadata":false},{"id":361749,"structure_id":51711,"section_number":"38.2-2108.1","catch_line":"Commercial fire insurance policies; changes to amount of coverage","url":"\/38.2-2108.1\/","token":"38.2\/21\/38.2-2108.1","metadata":false},{"id":361751,"structure_id":51711,"section_number":"38.2-2109","catch_line":"Execution of policies","url":"\/38.2-2109\/","token":"38.2\/21\/38.2-2109","metadata":{"court_decisions":""}},{"id":361753,"structure_id":51711,"section_number":"38.2-2110","catch_line":"Other matter permitted in the policy","url":"\/38.2-2110\/","token":"38.2\/21\/38.2-2110","metadata":false},{"id":361754,"structure_id":51711,"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","metadata":{"court_decisions":""}},{"id":361755,"structure_id":51711,"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","metadata":false},{"id":361756,"structure_id":51711,"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","metadata":false},{"id":361758,"structure_id":51711,"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","metadata":false},{"id":361757,"structure_id":51711,"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","metadata":false},{"id":361759,"structure_id":51711,"section_number":"38.2-2115","catch_line":"Discrimination in issuance of fire insurance","url":"\/38.2-2115\/","token":"38.2\/21\/38.2-2115","metadata":{"court_decisions":""}},{"id":361760,"structure_id":51711,"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","metadata":{"court_decisions":""}},{"id":361761,"structure_id":51711,"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","metadata":false},{"id":361762,"structure_id":51711,"section_number":"38.2-2118","catch_line":"Required statement on insurance policies for owner-occupied dwellings","url":"\/38.2-2118\/","token":"38.2\/21\/38.2-2118","metadata":false},{"id":361763,"structure_id":51711,"section_number":"38.2-2119","catch_line":"Approval of forms or provisions for certain risks","url":"\/38.2-2119\/","token":"38.2\/21\/38.2-2119","metadata":false},{"id":361765,"structure_id":51711,"section_number":"38.2-2120","catch_line":"Optional coverage to be offered with homeowner's policy","url":"\/38.2-2120\/","token":"38.2\/21\/38.2-2120","metadata":false},{"id":361766,"structure_id":51711,"section_number":"38.2-2121","catch_line":"When courts may appoint umpires","url":"\/38.2-2121\/","token":"38.2\/21\/38.2-2121","metadata":false},{"id":361767,"structure_id":51711,"section_number":"38.2-2122","catch_line":"Appraisers and umpires; oath to be taken","url":"\/38.2-2122\/","token":"38.2\/21\/38.2-2122","metadata":false},{"id":361768,"structure_id":51711,"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","metadata":false},{"id":361769,"structure_id":51711,"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","metadata":{"court_decisions":""}},{"id":361770,"structure_id":51711,"section_number":"38.2-2125","catch_line":"Notice regarding flood exclusion","url":"\/38.2-2125\/","token":"38.2\/21\/38.2-2125","metadata":{"court_decisions":""}},{"id":361771,"structure_id":51711,"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","metadata":false},{"id":361772,"structure_id":51711,"section_number":"38.2-2127","catch_line":"Notice of change in deductible","url":"\/38.2-2127\/","token":"38.2\/21\/38.2-2127","metadata":false},{"id":361773,"structure_id":51711,"section_number":"38.2-2128","catch_line":"Certain exclusions permitted","url":"\/38.2-2128\/","token":"38.2\/21\/38.2-2128","metadata":false},{"id":361774,"structure_id":51711,"section_number":"38.2-2129","catch_line":"Notice regarding earthquake exclusion","url":"\/38.2-2129\/","token":"38.2\/21\/38.2-2129","metadata":false},{"id":361776,"structure_id":51711,"section_number":"38.2-2130","catch_line":"Coverage for volunteer fire department costs","url":"\/38.2-2130\/","token":"38.2\/21\/38.2-2130","metadata":{"court_decisions":""}},{"id":361777,"structure_id":51711,"section_number":"38.2-2131","catch_line":"Assignment of claims prohibited","url":"\/38.2-2131\/","token":"38.2\/21\/38.2-2131","metadata":{"court_decisions":""}}],"previous_section":{"id":361750,"structure_id":51711,"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","metadata":false},"next_section":{"id":361751,"structure_id":51711,"section_number":"38.2-2109","catch_line":"Execution of policies","url":"\/38.2-2109\/","token":"38.2\/21\/38.2-2109","metadata":{"court_decisions":""}},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-2108.1\/","history_text":"<p>This law was first created in 2019. The record of its establishment is cataloged in chapter <a href=\"https:\/\/legacylis.virginia.gov\/cgi-bin\/legp604.exe?191+ful+CHAP0693\">693<\/a> of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year.<\/p>","references":false,"refers_to":false,"permalink":{"id":1440447,"object_type":"law","relational_id":361749,"identifier":"38.2-2108.1","token":"38.2\/21\/38.2-2108.1","url":"\/38.2-2108.1\/","edition_id":2,"permalink":0,"preferred":1},"url":"\/38.2-2108.1\/","token":"38.2\/21\/38.2-2108.1","dublin_core":{"Title":"Commercial fire insurance policies; changes to amount of coverage","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-2108.1","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section><p>No <span class=\"dictionary\">insurer<\/span> shall, after a new or renewal <span class=\"dictionary\">contract<\/span> or policy of fire <span class=\"dictionary\">insurance<\/span> or fire <span class=\"dictionary\">insurance<\/span> in combination with other coverage that has been issued or delivered in the Commonwealth to insure commercial property located in the Commonwealth has been in effect for 60 days, initiate and <span class=\"dictionary\">issue<\/span> any endorsement to the <span class=\"dictionary\">contract<\/span> or policy that increases or decreases the amount of coverage on such property unless the first named insured has consented in writing to such proposed change in the amount of coverage.<\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nCOMMERCIAL FIRE INSURANCE POLICIES; CHANGES TO AMOUNT OF COVERAGE (\u00a7\n38.2-2108.1)\n\nNo insurer shall, after a new or renewal contract or policy of fire insurance or\nfire insurance in combination with other coverage that has been issued or\ndelivered in the Commonwealth to insure commercial property located in the\nCommonwealth has been in effect for 60 days, initiate and issue any endorsement\nto the contract or policy that increases or decreases the amount of coverage on\nsuch property unless the first named insured has consented in writing to such\nproposed change in the amount of coverage.\n\nHISTORY: 2019, c. 693.","edition":{"id":2,"name":"2026","slug":"2026","date_created":"2026-07-16 18:40:23","date_modified":"2026-08-02 15:14:36","current":1,"order_by":2,"last_import":"2026-08-02 12:37:30"}}