WV HB3496

Authorizes property and casualty insurers to send cancellation and renewal notices via first class mail using Intelligent Mail barcode (IMb) technology utilized by the United States Postal Service

Permits insurers to post standard property and casualty policy forms and endorsements on their website instead of mailing or delivering paper copies, provided the documents do not contain personally identifiable information

Requires insurers using website posting to keep policies easily accessible, archive documents for five years after policy expiration, and allow policyholders to print and save electronic copies

Mandates insurers provide notice to policyholders of how to obtain free paper or electronic copies of their policy documents, both at initial issuance and upon renewal

Requires declaration pages to clearly identify all policy and endorsement forms purchased, and insurers must notify policyholders of any form changes along with their right to obtain free copies