State statute · Rhode Island

R.I. Gen. Laws Title 27, Chapter 76: Weather-Related Losses

Publisher: webserver.rilegislature.gov
Edition: 2026 General Laws
Last checked: 2026-09-25
Status: RI statutes, public domain

Edition and licensing notes

Edition. 2026 General Laws (Rhode Island General Assembly / Legislative Data Systems statutes site, page-stated 'Search the 2026 General Laws', SessionYear=2026 over /Statutes)

Status. RI statutes, public domain (state government edict).

Read the official text Practice questions from this source

What this document is

R.I. Gen. Laws Title 27, Chapter 76: Weather-Related Losses is a state statute published by webserver.rilegislature.gov. It is one of the Rhode Island documents that insurance license exam questions are written from, including rhode island property & casualty, rhode island personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

R.I. Gen. Laws § 27-76-2(c)(1) (Hurricane deductibles, triggers, and policyholder notice)
“The deductible is specifically approved by the director and shall not exceed five percent (5%) of the insured value.”
R.I. Gen. Laws § 27-76-4 (Notice of property loss)
“No insurance policy or contract covering damages to personal lines residential property may be canceled or nonrenewed, nor may the premium for such a policy be increased solely as a result of inquiries or claims made under the policy that resulted in no loss payout or resulted in a loss payout of...”
R.I. Gen. Laws § 27-76-2(e)(6) (Hurricane deductibles, triggers, and policyholder notice)
“No insurer shall subsequently nonrenew an insured who has taken the mitigation steps requested by the insurer for reasons of the insurer's exposure to catastrophe loss, unless for nonpayment of premium, fraud, breach by the insured of a provision of the policy, reversal or a lack of maintenance of...”
R.I. Gen. Laws § 27-76-2(c)(1)-(2) (Hurricane deductibles, triggers, and policyholder notice)
“The insurer may apply a deductible specific to windstorm coverage where: (1) The deductible is specifically approved by the director and shall not exceed five percent (5%) of the insured value. (2) The deductible shall be applicable to losses due to a hurricane during the period commencing with the...”
R.I. Gen. Laws § 27-76-2(c)(4) (Hurricane deductibles, triggers, and policyholder notice)
“The deductible set forth above shall not be applied to any insured, if the insured has installed approved mitigation measures to protect against windstorm damage and the insurer has either inspected the property or the insured has submitted satisfactory proof of installation of the approved...”
R.I. Gen. Laws § 27-76-2(e)(3),(6) (Hurricane deductibles, triggers, and policyholder notice)
“No mandatory deductible for windstorm damage shall be included in the policy; (4) An insurer shall write the requested coverage at the premium rate that includes the premium credit to be realized with the completion of the mitigation efforts; (5) The insurer shall affirmatively state the length of...”
R.I. Gen. Laws § 27-76-3(a)-(b) (Residential property insurance hurricane deductible application)
“For all deductibles as provided for in § 27-76-2, the deductible may only be applied once to all hurricane losses that are subject to the hurricane deductible during the calendar year. (b) If an insured incurs a hurricane loss from more than one hurricane during a calendar year that are subject to...”
R.I. Gen. Laws § 27-76-7 (Use of prior claim experience of insured property)
“No insurer may refuse to insure, cancel, nonrenew, or surcharge an insurance policy covering damages to personal lines residential property based solely upon prior claim experience for property damage claims at the insured property while under the ownership of someone other than the current insured...”
R.I. Gen. Laws § 27-76-8 (Use of claim experience resulting from catastrophic events)
“No insurer may refuse to insure, cancel, nonrenew, or surcharge a policy or contract covering damages to personal lines residential property solely as a result of damages sustained in a catastrophic event.”

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Questions about this source

R.I. Gen. Laws Title 27, Chapter 76: Weather-Related Losses is a state statute published by webserver.rilegislature.gov. Edition: 2026 General Laws (Rhode Island General Assembly / Legislative Data Systems statutes site, page-stated 'Search the 2026 General Laws', SessionYear=2026 over /Statutes).

No. This page summarizes the document and links to the official version. Always rely on the text published by webserver.rilegislature.gov for the current law.

Practice questions for Rhode Island Property & Casualty, Rhode Island Personal Lines cite this document.

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