Illinois Compiled Statutes
215 ILCS 5/143.21 (2026)
Cancellation of Fire and Extended Coverage Policy - Grounds
✓ current as of May 2026
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(215 ILCS 5/143.21)
(from Ch. 73, par. 755.21)
Sec. 143.21.
Cancellation of Fire and Extended Coverage Policy -
Grounds. After a policy of fire and extended coverage insurance, as defined
in paragraph (b) of Section 143.13, has been effective for 60 days, or if
such policy is a renewal policy, the company shall not exercise its right
to cancel except for one or more of the following reasons:
a. For nonpayment of premium;
b. When a policy was obtained by misrepresentation or fraud; or
c. For any act which measurably increases the risk originally
accepted.
(Source: P.A. 86-437.)
Notes of Decisions
Cited in 2
cases, 2004–2004 · leading case: Vill. of Itasca v. Vill. of Lisle, 817 N.E.2d 160 (Ill. App. Ct. 2004).
Vill. of Itasca v. Vill. of Lisle, 817 N.E.2d 160 (Ill. App. Ct. 2004). “21 of the Illinois Insurance Code (215 ILCS 5/143.21 (West 2002)), which provided that, after a policy had been in effect for one year, or if the policy was a renewal policy, an insurance company could not cancel the insurance policy except for one of three specified reasons.”
Vill. of Itasca v. Vill. of Lisle, 352 Ill. App. 3d 847 (Ill. App. Ct. 2004). “21 of the Illinois Insurance Code (215 ILCS 5/143.21 (West 2002)), which provided that, after a policy had been in effect for one year, or if the policy was a renewal policy, an insurance company could not cancel the insurance policy except for one of three specified reasons.”
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