CT HB06380

Requires insurers to replace damaged items with materials of like kind and quality that match adjacent items in appearance for both interior and exterior covered losses, effective October 1, 2013.

Prohibits insurers from declining, canceling, or nonrenewing homeowners policies based solely on losses from catastrophic events declared by a nationally recognized catastrophe loss index provider.

Prohibits insurers from declining or nonrenewing homeowners policies or imposing surcharges based solely on claims filed when the property was owned by a previous owner, unless the risk has not been mitigated.

Prohibits cancellation, nonrenewal, or premium increases based solely on inquiries or claims resulting in less than $500 in coverage payments, unless the insured filed more than one non-catastrophic claim in the preceding three policy years.

Extends public adjuster contract cancellation period from two calendar days to four calendar days, requires the cancellation provision be prominently displayed in at least twelve-point boldface type on the first page, and voids contracts that fail to include this provision.