{"data":{"id":"us-md/md.-code-insurance-11-315","jurisdiction":"us-md","citation":"Md. Code, Insurance § 11–315","heading":"","body":"(a) All homeowner’s insurance rates shall be made in accordance with the principles set forth in this section.\n(b) (1) An insurer under a homeowner’s insurance policy may not classify or maintain an insured for a period longer than 3 years in a classification that entails a higher premium because of a specific claim.\n(2) For the purpose of determining whether to classify an insured in a classification that entails a higher premium, an insurer may review only a period not greater than 3 years before:\n(i) if the policy has not yet been issued:\n1. the date of the application; or\n2. the proposed effective date of the policy; or\n(ii) on renewal of a policy, the effective date of the renewal.\n(3) (i) The removal of, reduction of, or refusal to apply a discount is not a violation of this subsection if the claim resulting in the removal of, reduction of, or refusal to apply the discount was filed not more than 5 years before the removal, reduction, or refusal.\n(ii) Subparagraph (i) of this paragraph may not be construed to prevent an insurer from granting a claim–free discount to an insured.","path":["Article - Insurance"],"source_url":"https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gin\u0026section=11-315","current_through":"2026-01-01","vintage":"","retrieved_at":"2026-09-14T19:59:28Z","sha256":"1560f0c852e11d383e985e2f22018149356c628174f866beb0738ff8b0e073a5","source_id":"us-md","stale":false,"prev":"us-md/md.-code-insurance-11-314","next":"us-md/md.-code-insurance-11-317"},"notice":"GroundRules: Original legal text. Not legal advice."}