HARRY HUGHES, Governor

3707

(4)  THE APPLICANT'S LOSS HISTORY OVER THE LAST 5
YEARS WITH REGARD TO ANY PROPERTY IN WHICH HE HELD AN EQUITY
A SUBSTANTIAL INTEREST INCLUDING A PARTNERSHIP INTEREST OR A
MORTGAGE AND WHERE ANY FIRE LOSS EXCEEDED $1,000 IN DAMAGES
25 PERCENT OF THE INSURED VALUE;

(5)  ALL TAXES UNPAID OR OVERDUE FOR 1 OR MORE
YEARS; AND ANY MORTGAGE PAYMENTS OVERDUE BY 3 MONTHS OR
MORE;

(6) ALL CURRENT VIOLATIONS OF FIRE, SAFETY,
HEALTH, BUILDING, OR CONSTRUCTION CODES ON THE PROPERTY TO

BE INSURED; AND

(7) (6) THE PRESENT OCCUPANCY OF THE STRUCTURE.
577.

(A)  AN INSURER MAY NOT ENTER INTO A CONTRACT TO BE
ISSUED AFTER JULY 1, 1982 TO INSURE ANY BUILDING, EXCEPT A 1
TO 4 FAMILY OWNER-OCCUPIED DWELLING, AGAINST THE PERIL OF
FIRE UNLESS THE INSURER FIRST RECEIVES AN ANTIARSON
APPLICATION SIGNED AND AFFIRMED BY THE INSURED, IF REQUIRED
BY THE INSURANCE COMMISSIONER IN ACCORDANCE WITH THE
PROVISIONS OF THIS SUBTITLE.

(B)  ANY ANTIARSON APPLICATION REQUIRED BY THIS
SUBTITLE SHALL BE DEEMED A MATERIAL PART OF THE INSURANCE
POLICY TO WHICH THE APPLICATION PERTAINS. A MATERIAL
MISREPRESENTATION CONSTITUTES GROUNDS TO RESCIND THE
INSURANCE POLICY.

(C)  POLICYHOLDERS SHALL NOTIFY THEIR INSURER IN
WRITING OF ANY CHANGE IN THE INFORMATION CONTAINED IN THE
ANTIARSON APPLICATION, WITHIN A REASONABLE PERIOD OF TIME
SPECIFIED BY THE COMMISSIONER. A MATERIAL FAILURE TO NOTIFY
OR A MATERIAL MISREPRESENTATION IN A NOTIFICATION
CONSTITUTES GROUNDS TO RESCIND THE INSURANCE POLICY.

578.

(A) THE INSURANCE COMMISSIONER MAY NOT REQUIRE THE USE
OF ANY APPLICATIONS FOR INSURANCE COVERED BY THIS SUBTITLE
OTHER THAN THE ANTIARSON APPLICATION AS DEFINED IN § 576 OF
THIS SUBTITLE; HOWEVER, THIS DOES NOT PROHIBIT THE
COMMISSIONER FROM REQUIRING ALTERNATIVE ANTIARSON
APPLICATIONS PURSUANT TO A FINDING AFTER A PUBLIC HEARING
THAT:

(1) THERE EXIST CERTAIN TYPES OF POLICIES,
CERTAIN CLASSES OF PROPERTY, AND CERTAIN GEOGRAPHIC AREAS OF
THE STATE WHICH HAVE AN ABNORMALLY HIGH INCIDENCE OF ARSON;
AND