Regulation · Washington

Washington FAIR Plan (Fair Access to Insurance Requirements)

Chapter 284-19 WAC

Publisher: Washington State Legislature
Edition: Online WAC as published by the Washington State Legislature's Code Reviser
Last checked: 2026-09-17
Status: WA administrative rules, public domain

Edition and licensing notes

Publisher. Washington State Legislature (app.leg.wa.gov)

Edition. Online WAC as published by the Washington State Legislature's Code Reviser; each section carries its own [Statutory Authority: ... filed ... effective ...] trailer, and sections with a pending amendment are printed twice, headed "(Effective until October 18, 2026)" and "(Effective October 18, 2026)".

Status. WA administrative rules, public domain (state government edict).

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What this document is

Chapter 284-19 WAC - Washington FAIR Plan (Fair Access to Insurance Requirements) is a regulation published by Washington State Legislature (app.leg.wa.gov). It is one of the Washington documents that insurance license exam questions are written from, including washington property & casualty, washington 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.

WAC 284-19-110(1) (Cancellation and nonrenewal under this program)
“The facility shall not cancel or nonrenew a policy issued under this program except: (a) For cause which would have been grounds for nonacceptance of the risk under the program had the cause been known to the insurer at the time of acceptance; or (b) For nonpayment of premium; or (c) With the...”
WAC 284-19-070(2)(a)-(b) (FAIR plan business, Distribution and placement)
“The maximum limit of liability that may be placed through this program on any one property at one location is $1,500,000. The facility undertakes the responsibility of seeking to place that portion of a risk that exceeds $1,500,000. (b) The term "at one location" as used in this chapter refers to...”
WAC 284-19-080(1), (2) (Procedure after inspection and submission)
“(1) Within three business days after receipt of the inspection report, the facility shall notify the insured and the agent that: (a) The risk is acceptable; or (b) The risk will be acceptable if the improvements noted in the action report are made by the applicant and confirmed by reinspection; or...”
WAC 284-19-050(2) (Definitions)
“"Essential property insurance" means the coverage against direct loss to real and tangible personal property at a fixed location that is provided in the standard fire policy and extended coverage endorsement, and shall include also the perils of vandalism and malicious mischief and such additional...”
WAC 284-19-120(6) (Right of appeal)
“The committee shall make decisions in writing on appeals within fifteen business days after notification of appeal is received, unless delayed by mutual consent. The majority of committee members must concur in all decisions adverse to the party seeking appeal.”
WAC 284-19-080(3)(a), (3)(b) and (3)(c) (Procedure after inspection and submission)
“Reasonable underwriting standards shall include the following: (a) Physical condition of the property, such as its construction, heating, wiring, evidence of previous fires or general deterioration; (b) Its present use or housekeeping, such as vacancy, overcrowding, storage of rubbish or flammable...”
WAC 284-19-060(1) (FAIR plan, Inspections and reports)
“(1) Any person having an insurable interest in real or tangible personal property at a fixed location is entitled to an inspection of the property by the inspection bureau at no cost, upon application to the facility. The inspection may be requested by the property owner, a representative of the...”
WAC 284-19-110(2) and (3) (Cancellation and nonrenewal under this program)
“(2) Notice of cancellation or nonrenewal, together with a statement of the reason, shall be sent to the insured. (3) Any cancellation or nonrenewal notice to the insured shall be accompanied by a statement that the insured has a right of appeal as provided in WAC 284-19-120.”
WAC 284-19-070(1) (FAIR plan business, Distribution and placement)
“The facility shall not require that the applicant demonstrates that he or she is unable to obtain insurance in the normal market, as a precondition to the placement of business under the FAIR plan. The facility, however, may require an insurance producer to furnish copies of documents or...”

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Questions about this source

Chapter 284-19 WAC - Washington FAIR Plan (Fair Access to Insurance Requirements) is a regulation published by Washington State Legislature (app.leg.wa.gov). Edition: Online WAC as published by the Washington State Legislature's Code Reviser; each section carries its own [Statutory Authority: ... filed ... effective ...] trailer, and sections with a pending amendment are printed twice, headed "(Effective until October 18, 2026)" and "(Effective October 18, 2026)"..

No. This page summarizes the document and links to the official version. Always rely on the text published by Washington State Legislature (app.leg.wa.gov) for the current law.

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

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