20-270. Residential property insurance;
prohibited acts


A. An insurer shall not charge more premium for residential property insurance
coverage on a property with a single below deductible claim, not exceeding five hundred
dollars in the previous three years, than it would charge for like coverage on the same
property if the property had no below deductible claims. For the purposes of this
subsection, "below deductible claim" means a claim for indemnification for a loss under a
residential property insurance policy that provided coverage for the loss that was closed
without any payment because the amount of the loss was less than the amount of the
deductible provided by the policy.


B. For the purposes of this section, residential property insurance has the same
meaning as the insurance covered under section 20-1651.