                                 CODE OF VIRGINIA

EXCLUDING LOSS OR DAMAGE CAUSED BY NUCLEAR REACTION, NUCLEAR RADIATION, OR
RADIOACTIVE CONTAMINATION (§ 38.2-2102)

A. The standard policy of fire insurance prescribed by this chapter shall not
cover loss or damage caused by nuclear reaction, nuclear radiation, or
radioactive contamination, whether resulting directly or indirectly from a peril
insured under the policy. Insurers issuing the standard policy of fire insurance
are authorized to affix to the policy or include therein a written statement
that the policy does not cover loss or damage caused by nuclear reaction,
nuclear radiation, or radioactive contamination, whether resulting directly or
indirectly from a peril insured under the policy. However, an endorsement or
endorsements specifically assuming coverage for loss or damage caused by nuclear
reaction, nuclear radiation, or radioactive contamination may be attached to the
standard policy of fire insurance.

B. Notwithstanding the provisions of &#xA7; 38.2-2105, for the purposes of
commercial property and casualty insurance policies, the standard policy of fire
insurance prescribed by this chapter shall not cover loss or damage caused by
certified acts of terrorism as defined in the Terrorism Risk Insurance Act (15
U.S.C. &#xA7; 6701) whether resulting directly or indirectly from a peril
insured under the policy if the insured has refused coverage offered pursuant to
the Terrorism Risk Insurance Act.

HISTORY: 1960, c. 117, § 38.1-363.1; 1986, c. 562; 2003, c. 930.