31A-21-202. Explicit approval required.
(1) The following clauses are disapproved unless the commissioner gives them explicit approval: clauses requiring more expeditious notice of loss or proof of loss than is required by Sectionor rules adopted under that section; and 31A-21-312 a schedule of reinstatement fees under Section, if made a part of the policy. This type of schedule need not be included in the policy but may be given approval as a separate document specifically made applicable to particular classes of policies and incorporated in the policy by reference. 31A-22-608
(2) If an insurer fails to obtain explicit approval from the commissioner for the clauses specified in Subsection, the clauses are void. (1)