| (a) Personal automobile and residential property insurance
forms are subject to this subsection.
(1) Filed forms must meet the plain-language requirements
described in Insurance Code §2301.053, concerning Requirements
for Forms; Plain-Language Requirement, and Commissioner's Order No.
92-0573. Filings must also include the Flesch Reading Ease Test readability
score for the forms.
(2) When filing an endorsement form with provisions
that do not apply to every policy to which the endorsement will be
attached, the provisions must be enclosed with brackets to reflect
that the provisions are variable text. The filing must also indicate
that when the endorsement is attached to a policyholder's specific
policy, the endorsement will not include any provisions that are inapplicable
to that specific policy. For example, an insurer may file an endorsement
with provisions that amend an HO-3 policy and an HO-5 policy. If certain
provisions apply only to the HO-5, those must be bracketed in the
filed form, and must not be visible to the policyholder when the form
is used to endorse the HO-3. This paragraph applies to new or amended
endorsements filed on or after January 1, 2025.
(b) Insurers must file residential property policy
declarations page forms for approval.
(1) Declarations pages include renewal declarations
pages, renewal certificates, amended declarations pages, and separate
disclosure pages allowed under §5.9700 of this title (relating
to Residential Property Declarations Pages and Deductible Disclosures).
(2) Filed declarations page forms must be completed
with sample--not actual--policyholder information sufficient to demonstrate
how the insurer will comply with this rule and Insurance Code §2301.056,
concerning Requirement for Forms; Declarations Page Requirement.
(c) Insurers must file personal automobile insurance
application forms as follows:
(1) new or amended application forms that are part
of the insurance policy must be filed for approval; and
(2) application forms that are not part of the insurance
policy must be filed for informational purposes when an insurer files
a new personal automobile policy form.
|
