1.1 	A bill for an act
1.2 	relating to insurance; prohibiting nonrenewal of homeowner's insurance based 
1.3 	upon a claim that the insurer denied or did not make a payment on; amending 
1.4 	Minnesota Statutes 2006, section 65A.29, subdivision 11.
1.5 	BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

1.6 	Section 1. Minnesota Statutes 2006, section 65A.29, subdivision 11, is amended to read:
1.7 		Subd. 11.Nonrenewal. Every insurer shall establish a plan that sets out the 
1.8 	minimum number and amount of claims during an experience period that may result 
1.9 	in a nonrenewal. For purposes of the plan, the insurer may not consider as a claim the 
1.10 	insured's inquiry about a hypothetical claim, or the insured's inquiry to the insured's agent 
1.11 	regarding a potential claim, or a claim submitted to the insurer that the insurer denied or 
1.12 	upon which the insurer did not make a payment.
1.13 	No homeowner's insurance policy may be nonrenewed based on the insured's loss 
1.14 	experience unless the insurer has sent a written notice that any future losses may result in 
1.15 	nonrenewal due to loss experience.
1.16 	Any nonrenewal of a homeowner's insurance policy must, at a minimum, comply 
1.17 	with the requirements of subdivision 8 and the rules adopted by the commissioner.

1.18 	EFFECTIVE DATE. This section is effective August 1, 2008.