§ 26.1-39-20 — Duplicate coverage - Termination of coverage when another policy in force - Notice

force - Notice.
Notwithstanding the failure of an insurer to comply with sections 26.1-39-13 through
26.1-39-16, if an insured obtains a replacement policy providing equal or more extensive
coverage for a property covered in both policies, the first insurer's coverage of that property may
be terminated either by cancellation or nonrenewal. The termination is effective on the effective
date of the second policy providing duplicate replacement coverage. Upon termination, the
insured is entitled to a refund of the premium and written notice must be mailed or delivered to
the named insured.