On this page
Property and casualty rate, rule and form filings in West Virginia are reviewed by the West Virginia Offices of the Insurance Commissioner. This page summarizes how filing works there from public sources: where to search filings that are already public, and the statutes, regulations and department guidance that set the rules, grouped by line of business. Every entry links to the official source.
At a glance
| Regulator | West Virginia Offices of the Insurance Commissioner |
|---|---|
| Filing system | SERFF (department source) |
| Public filings | Freedom of Information Act request to the Insurance Commissioner (how to search) |
| Lines summarized | Homeowners, Personal auto, Property and dwelling fire, Workers' compensation, Commercial multi-peril, Inland marine, Earthquake, Fidelity, Burglary and theft |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in West Virginia, each linked to the official text.
- W. Va. Code 33-20-4 - Filing of ratesStatute
- W. Va. Code 33-20-4(a)(3) to (a)(5) - Commercial lines coverages exempt from rate filingStatute
- W. Va. Code 33-6-8 - Filing and approval of policy formsStatute
- W. Va. Code 33-17-6A - Notice of non-coverage of flood damageHomeowners · Statute
- W. Va. Code 33-20-4(l) - State Register notice on a fifteen percent automobile liability increasePersonal auto · Statute
- W. Va. Code 33-17-8 - filing of fire and marine policy formsProperty and dwelling fire · Statute
How to search West Virginia's public rate and form filings
- Under West Virginia law, a rate filing and its supporting information are open to public inspection as soon as the Insurance Commissioner receives the filing. Source
- The Commissioner's fee schedule for Freedom of Information Act requests lists usual copying costs at ten cents per page. Source
Start from the department's page: West Virginia Offices of the Insurance Commissioner.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- W. Va. Code 33-20-11 - Rate information furnished to insuredsStatute
- W. Va. Code 33-20-3 - Making of ratesStatute
- W. Va. Code 33-20-4 - Filing of ratesStatute
- W. Va. Code 33-20-4(a)(3) to (a)(5) - Commercial lines coverages exempt from rate filingStatute
- W. Va. Code 33-20-5 - Disapproval of filingsStatute
- W. Va. Code 33-20-7 - Deviations from rating organization filingsStatute
- W. Va. Code 33-6-34 - Filing feesStatute
- W. Va. Code 33-6-8 - Filing and approval of policy formsStatute
Last reviewed
Homeowners
West Virginia sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- W. Va. Code 33-17-2 to 33-17-6 - Standard fire policyStatute
- W. Va. Code 33-17-6A - Notice of non-coverage of flood damageStatute
- W. Va. Code 33-17-9 and Informational Letter 10 - Valued policy lawStatute
- W. Va. Code 33-17-9b - Debris removal on a total lossStatute
- W. Va. Code 33-30-6 - Mine subsidence insurance in fire policiesStatute
- West Virginia OIC Review Requirements Checklist - Homeowners InsuranceDepartment guidance
Last reviewed
Personal auto
West Virginia sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- W. Va. Code 17D-4-2 and 17D-4-12 - the financial responsibility limits and policy contentsStatute
- W. Va. Code 33-20-18 - reduction of premium charges for persons fifty-five years of age or olderStatute
- W. Va. Code 33-20-4(l) - State Register notice on a fifteen percent automobile liability increaseStatute
- W. Va. Code 33-6-31 - motor vehicle policy; omnibus clause; uninsured and underinsured motorists' coverageStatute
- W. Va. Code 33-6-31d and 33-6-31f - the prescribed uninsured and underinsured offer formsStatute
- W. Va. Code 33-6A-4a and 33-6A-4b - the automobile nonrenewal method electionStatute
Last reviewed
Property and dwelling fire
West Virginia sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- W. Va. Code 33-17-2 to 33-17-6 - the West Virginia standard fire policyStatute
- W. Va. Code 33-17-8 - filing of fire and marine policy formsStatute
- W. Va. Code 33-17-9 - Measure of liability on real property, total and partial lossStatute
- W. Va. Code 33-20-3(d) - fire and marine ratemaking, conflagration hazard and five-year experienceStatute
- W. Va. Code 33-20-4(a)(3) to (a)(5) - commercial lines coverages exempt from rate filingStatute
- W. Va. Code 33-30-3 and 33-30-6 - mine subsidence insurance in every policy insuring a structureStatute
Last reviewed
Workers' compensation
West Virginia sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- W. Va. Code 23-2C-18 - Ratemaking; Insurance CommissionerStatute
- W. Va. Code 23-2C-18a - Designation of rating organizationStatute
- W. Va. Code 23-2C-3, 23-2C-10, 23-2C-15 and 23-2C-17 - the competitive market, the surcharge and the assigned risk planStatute
- W. Va. Code 33-20-4 and 33-6-8 - the commercial rate and form tracks for this lineStatute
- W. Va. Code 33-20-7 - deviations from a rating organization filingStatute
- W. Va. C.S.R. 85-8 - workers compensation policies, rating organizations and ratemakingRegulation
Last reviewed
Commercial multi-peril
West Virginia sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- W. Va. Code 33-20-4(a)(3) to (a)(5), Commercial lines coverages exempt from rate filingStatute
- W. Va. Code 33-20-4, Filing of ratesStatute
- W. Va. Code 33-20-4, Filing of rates and the commercial lines filing exemptionsStatute
- W. Va. Code 33-20-7, Deviations from rating organization filingsStatute
- W. Va. Code 33-6-34, Policy form and rate filing feesStatute
- W. Va. Code 33-6-8, Filing and approval of forms, noncommercial and commercialStatute
Last reviewed
Inland marine
West Virginia sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- W. Va. Code 33-20-2 - Inland marine within Article 20Statute
- W. Va. Code 33-20-3 - Inland marine rate standardStatute
- W. Va. Code 33-20-4 - Inland marine filing tracksStatute
- W. Va. Code 33-6-8 - Inland marine form filingStatute
- W. Va. Code 33-6-9 and 33-6-11 - Form standardsStatute
- W. Va. Code 33-62-6 - Travel insurance filed as inland marineStatute
Last reviewed
Earthquake
West Virginia sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- W. Va. Code 33-20-4, Filing of ratesDepartment guidance
- W. Va. Code 33-20-7, Deviations from rating organization filingsDepartment guidance
- W. Va. Code 33-6-8, Filing and approval of policy formsDepartment guidance
- West Virginia OIC Review Requirements Checklist - Homeowners Insurance (March 2026)Department guidance
Last reviewed
Fidelity
West Virginia sources for fidelity filings (SERFF type of insurance 23.0 Fidelity).
- W. Va. Code 33-20-3Statute
- W. Va. Code 33-20-4Statute
- W. Va. Code 33-6-8Statute
Last reviewed
Burglary and theft
West Virginia sources for burglary and theft filings (SERFF type of insurance 26.0 Burglary and Theft).
- W. Va. Code 33-20-3Statute
- W. Va. Code 33-20-4Statute
- W. Va. Code 33-6-8Statute
Last reviewed
Not legal advice. This is a summary of public sources, last reviewed September 18, 2026. Requirements change and differ by line and filing: verify them with the West Virginia Offices of the Insurance Commissioner before you file. All states