Indiana § 27-1-26-5 Flesch reading ease score; procedure to determine; rules of
construction

Indiana Statutes

§ 27-1-26-5 — Flesch reading ease score; procedure to determine; rules of construction

Indiana § 27-1-26-5

Title 27INSURANCE

Art. 1DEPARTMENT OF INSURANCE

Ch. 26Policy Language Simplification

This text of Indiana § 27-1-26-5 (Flesch reading ease score; procedure to determine; rules of construction) is published on Counsel Stack Legal Research, covering Indiana primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Ind. Code § 27-1-26-5 (2026).

Text

(a)The following procedure shall be used in determining the Flesch reading ease score:

(1)First, a sample of the text of the policy shall be chosen for analysis:

(A)For policy forms containing ten thousand (10,000) or less words of text, the entire policy form shall be analyzed.

(B)For policy forms containing ten thousand and one (10,001) or more words of text, two (2) samples of two hundred (200) words from each page, with each sample separated by at least twenty

(20)lines, may be analyzed instead of the entire form.

(2)Second, the number of words and sentences in the text shall be counted and the total number of words shall be divided by the total number of sentences. The figure obtained shall be multiplied by a factor of one and fifteen thousandths (1.015).

(3)Third, the total nu

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(a) The following procedure shall be used in
determining the Flesch reading ease score:
(1) First, a sample of the text of the policy shall be chosen for
analysis:
(A) For policy forms containing ten thousand (10,000) or less
words of text, the entire policy form shall be analyzed.
(B) For policy forms containing ten thousand and one (10,001) or
more words of text, two (2) samples of two hundred (200) words
from each page, with each sample separated by at least twenty
(20) lines, may be analyzed instead of the entire form.
(2) Second, the number of words and sentences in the text shall
be counted and the total number of words shall be divided by the
total number of sentences. The figure obtained shall be multiplied
by a factor of one and fifteen thousandths (1.015).
(3) Third, the total number of syllables shall be counted and
divided by the total number of words. The figure obtained shall be
multiplied by a factor of eighty-four and six tenths (84.6).
(4) Fourth, the sum of the figures computed under subdivisions
(2) and (3) when subtracted from two hundred six and eight
hundred thirty-five thousandths (206.835) equals the Flesch
reading ease score for the policy form.
(b) For the purposes of subsections (a)(2) through (4), the following
rules of construction shall be used:
(1) A contraction, hyphenated word, or numbers and letters, when
separated by spaces, shall be treated as one (1) word.
(2) A unit of words ending with a period, semicolon, or colon, but
excluding headings and captions, shall be counted as a sentence.
(3) The term "syllable" means a unit of spoken language
consisting of one (1) or more letters of a word as divided by a
dictionary approved by the commissioner.
(4) When a dictionary approved by the commissioner shows two
(2) or more equally acceptable pronunciations of a word, the
pronunciation containing fewer syllables may be used.
As added by Acts 1981, P.L.245, SEC.1.