Ch. 11

1996 LAWS OF MARYLAND

25-406. INSURANCE AVAILABLE THROUGH ASSOCIATION.

A PERSON WITH AN INSURABLE INTEREST IN REAL OR TANGIBLE PERSONAL
PROPERTY AT A FIXED LOCATION MAY APPLY TO THE ASSOCIATION FOR ESSENTIAL
PROPERTY INSURANCE OR HOMEOWNER'S INSURANCE IF THE PERSON HAS BEEN:

(1)      UNABLE TO OBTAIN ESSENTIAL PROPERTY INSURANCE OR
HOMEOWNER'S INSURANCE;

(2)      ABLE TO OBTAIN ESSENTIAL PROPERTY INSURANCE OR
HOMEOWNER'S INSURANCE ONLY AFTER APPLICATION UNDER §§ XX-XXX OR
XX-XXX [ART. 48A, §§ 242(H)(3) OR 244Q] OF THIS ARTICLE; OR

(3)      ABLE TO OBTAIN ONLY PARTIAL COVERAGE FOR THE VALUE OF
THE PROPERTY.

REVISOR'S NOTE: This section is new language derived without substantive
change from former Art. 48A, § 478D(1).

Defined terms: "Association" § 25-401

"Essential property insurance" § 25-401
"Homeowner's insurance" § 25-401
"Person" § 1-101

25-407. INSPECTION OF PROPERTY.

(A)     IN GENERAL.

THE ASSOCIATION MAY INSPECT THE PROPERTY OF AN APPLICANT FOR
ESSENTIAL PROPERTY INSURANCE OR HOMEOWNER'S INSURANCE COVERAGE.

(B)      COST.

(1)      EXCEPT AS PROVIDED IN PARAGRAPH (2) OF THIS SUBSECTION, THE
ASSOCIATION SHALL INSPECT THE PROPERTY WITHOUT COST TO THE OWNER.

(2)      IF THE ASSOCIATION IS UNABLE TO COMPLETE AN INSPECTION OF
THE PROPERTY DUE TO THE FAULT OF THE OWNER OR APPLICANT, THE
ASSOCIATION MAY REQUIRE THE APPLICANT TO PAY IN ADVANCE THE
REASONABLE COST OF SUBSEQUENT EFFORTS TO INSPECT THE PROPERTY.

(C)     PROCEDURE.

(1)      THE APPLICANT OR REPRESENTATIVE OF THE APPLICANT SHALL BE
AFFORDED THE OPPORTUNITY TO BE PRESENT DURING THE INSPECTION.

(2)      THE INSPECTOR DOES NOT HAVE AUTHORITY TO ADVISE WHETHER
THE ASSOCIATION WILL PROVIDE COVERAGE TO THE PROPERTY BEING INSPECTED.

(3)      THE INSPECTOR MAY TAKE PHOTOGRAPHS OF THE PROPERTY
DURING THE INSPECTION.

(D)     REPORT.

THE INSPECTION REPORT SHALL:

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