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31.08.14.00.htm 31.08.14.00. Title 31 MARYLAND INSURANCE ADMINISTRATION Subtitle 08 PROPERTY AND CASUALTY INSURANCE Chapter 14 Coverage for Loss Caused by Water That Backs Up Through Sewers or Drains Authority: Insurance Article, §2-109, 19-202, and 19-216(d) Annotated Code of Maryland
31.08.14.01.htm 31.08.14.01. 01 Scope.. This chapter does not apply to loss that is caused by a flood..
31.08.14.02.htm 31.08.14.02. 02 Definitions.. A. In this chapter, the following terms have the meanings indicated.. B. Terms Defined.. 1) “Backs up” means reverses course, discharges, escapes, overfills, or overflows.. 2) “Drain” means a line, pipe, or any other part of a system that:. a) Is located inside or outside of a dwelling; and. b) Drains water away from the dwelling.. 3)Dwelling coverage” means coverage under a policy of homeowner’s insurance for losses resulting from damage to:
31.08.14.03.htm 31.08.14.03. 03 Offer of Coverage.. A. An insurer that issues, sells, or delivers a policy of homeowner’s insurance in the State shall at the 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 into a dwelling or other covered structure through a sewer or drain, regardless of the origin of the water; and2) Is not caused by the negligence of the insured.. B. An insurer that is required to offer coverage u
31.08.14.9999.htm 31.08.14.9999. Administrative History Effective date: January 1, 2015 (41:21 Md. R. 1261). Regulation .03D adopted effective November 6, 2017 (44:22 Md. R. 1038).
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