Educational notes for homeowners. Not an insurer, not an agent, and not advice about your policy.
GUIDE
Pick the state. Read the notice rule we could cite. Then work the list before you call around for quotes. Cancelling the old policy first is how people end up with a gap.
NEEDS VERIFICATION
Alabama’s homeowners nonrenewal notice period was not re-read from the code for this review.
Needs verificationNeeds verification. This state does not appear in the fiscal-year 2024 FAIR-plan table the Insurance Information Institute republished from the Property Insurance Plans Service Office. A beach or wind pool can exist without appearing in that table. Needs verification on the department site.
NEEDS VERIFICATION
Alaska’s homeowners nonrenewal notice period was not re-read from the statutes for this review.
Needs verificationNeeds verification. This state does not appear in the fiscal-year 2024 FAIR-plan table the Insurance Information Institute republished from the Property Insurance Plans Service Office. A beach or wind pool can exist without appearing in that table. Needs verification on the department site.
CITED RULE
A.R.S. § 20-1654
Unless the insurer sends the named insured notice at least 30 days before the end of the policy period that it will not renew, or that renewal is conditioned on reduced limits or eliminated coverages, it may not fail to renew if the renewal premium is paid. The notice has to state the specific facts behind a nonrenewal. Mid-term cancellation is a different, narrower event: the department says insurers are required to give 5 days’ notice and may cancel only for listed grounds. If a nonrenewal is based on the condition of the premises, the insured gets 30 days to remedy it. This section does not apply if the insured has accepted replacement coverage or agreed to nonrenewal.
No FAIR plan named by DIFI. Arizona does not appear in the fiscal-year 2024 FAIR-plan table Triple-I republished. The department’s homeowners FAQ, read for this review, points people who cannot find coverage to a list of insurers willing to consider higher-wildfire-risk areas. That page does not name a state FAIR plan or a state insurer of last resort. Ask DIFI before you assume a residual-market policy exists.
Open the Arizona file · Arizona Department of Insurance and Financial Institutions
NEEDS VERIFICATION
Arkansas’s homeowners nonrenewal notice period was not re-read from the code for this review.
Needs verificationArkansas FAIR plan. The Insurance Information Institute’s fiscal-year 2024 table says it excludes the FAIR plans of Arkansas, which is a sign a plan exists. The policy count was not published in that table. Needs verification of the current plan name, perils, and eligibility.
CITED RULE
Cal. Ins. Code § 678(c)
For a nonrenewal of a policy that expires on or after 1 July 2020, the insurer must deliver or mail notice at least 75 days before expiration. The notice has to include the reason and the department contact information required in the statute. If the insurer misses the 75 days, the existing policy stays in effect, with no change in terms, for 75 days from the date the notice is delivered or mailed. A residential nonrenewal for a policy expiring on or after 1 July 2021 must also include the department’s statement pointing people to the California Home Insurance Finder and the California FAIR Plan. Mailing time under Code of Civil Procedure § 1013 applies when the notice is mailed on or after 1 July 2022.
California FAIR Plan. PIPSO counted 417,310 California habitational FAIR policies in fiscal year 2024, with $1.42 billion of direct premium written across habitational and commercial policies in the same table. The Department of Insurance requires nonrenewal notices to point insureds to the FAIR Plan. FAIR Plan coverage is not a standard homeowners package. Compare the perils, especially fire-only forms, before you treat it as a replacement.
Open the California file · California Department of Insurance
CITED RULE
C.R.S. § 10-4-110.7(3)
An insurer may not cancel or refuse to renew a homeowners policy unless it mails notice by first-class mail to the named insured, at the last address in its records, at least 60 days in advance. The notice must state the specific reasons. Cancellation for nonpayment is a 10-day notice with the reasons. House Bill 23-1174 changed the advance notice from 30 days to 60. House Bill 25-1205 says the Colorado FAIR plan association must comply with § 10-4-110.7, so the same notice rule is written into the plan’s duties.
Needs verificationColorado FAIR Plan Association. House Bill 25-1205 describes the FAIR plan association as a nonprofit unincorporated legal entity that provides property coverage when it is not available from admitted companies. Member insurers must participate. Colorado is not in the PIPSO fiscal-year 2024 policy-count table republished by Triple-I, so a current policy count needs verification.
NEEDS VERIFICATION
Connecticut’s homeowners nonrenewal notice period was not re-read from the statutes for this review.
Connecticut FAIR plan. PIPSO counted 1,187 Connecticut habitational policies in fiscal year 2024. The consumer-facing plan name and the perils covered need verification.
Open the Connecticut file · Connecticut Insurance Department
NEEDS VERIFICATION
Delaware’s homeowners nonrenewal notice period was not re-read from the code for this review.
Delaware FAIR plan. PIPSO counted 1,170 Delaware habitational policies in fiscal year 2024. The plan name and perils need verification.
NEEDS VERIFICATION
The District’s homeowners nonrenewal notice period was not re-read from the code for this review.
District of Columbia FAIR plan. PIPSO counted 116 District habitational policies in fiscal year 2024. The plan name and perils need verification.
Open the District of Columbia file · Department of Insurance, Securities and Banking
CITED RULE
Fla. Stat. § 627.4133(2)(b)
For a personal-lines residential property policy, including a homeowners policy, the insurer must give the first-named insured written notice of nonrenewal, cancellation, or termination at least 120 days before the effective date. The notice must include the reason. Cancellation for nonpayment of premium is a 10-day written notice with the reason. The same section has a shorter clock for some cancellations early in the policy. Read the subsection that matches your letter before you count on any other number. Other timing rules in § 627.4133, including what happens if notice is late, should be read on the statute page.
Citizens Property Insurance Corporation. Citizens is Florida’s residual market, not a typical voluntary carrier. On 4 March 2026 Citizens said regulators approved an average 8.8% decrease for homeowners multiperil policyholders and an average 5.5% decrease for homeowners wind-only policyholders, with at least a 2% decrease for all personal-lines policyholders. The rates take effect 1 July 2026 for new policies and at renewal for policies already on the books. Citizens said its policy count was 336,000, down 76% from a peak of 1.41 million in October 2023. A PIPSO fiscal-year 2024 table republished by Triple-I still shows 1,321,953 Florida habitational policies; that is an earlier snapshot, not a contradiction of the March 2026 count. A January 2026 CFO release described an 8.7% statewide average Citizens reduction. Use Citizens’ own 8.8% multiperil figure for the multiperil program, and treat 8.7% as the administration’s earlier statewide description.
Open the Florida file · Florida Office of Insurance Regulation
CITED RULE
O.C.G.A. § 33-24-46(d)(1), as amended by SB 35
Senate Bill 35, signed in 2025, changed the homeowners nonrenewal notice in O.C.G.A. § 33-24-46(d)(1) from 30 days to 60 days. It took effect 1 January 2026 and applies to policies issued, delivered, issued for delivery, or renewed on or after that date. The insurer must mail or personally deliver written notice stating when nonrenewal will be effective, which cannot be less than 60 days from mailing or delivery, and must provide the reason or reasons. Notice also goes to the lienholder where applicable. A policy renewed before that effective date can sit under the old 30-day clock. Match the date on your declarations page.
Georgia FAIR plan. PIPSO counted 8,778 Georgia habitational policies in fiscal year 2024. The plan’s consumer name and covered perils need verification.
Open the Georgia file · Georgia Office of the Commissioner of Insurance
NEEDS VERIFICATION
Hawaii’s homeowners nonrenewal notice period was not re-read from the statutes for this review.
Hawaii FAIR plan. PIPSO counted 2,402 Hawaii habitational policies in fiscal year 2024. Triple-I notes the Hawaii FAIR plan does not offer a commercial policy. Perils and eligibility need verification.
NEEDS VERIFICATION
Idaho’s homeowners nonrenewal notice period was not re-read from the code for this review.
Needs verificationNeeds verification. This state does not appear in the fiscal-year 2024 FAIR-plan table the Insurance Information Institute republished from the Property Insurance Plans Service Office. A beach or wind pool can exist without appearing in that table. Needs verification on the department site.
CITED RULE
215 ILCS 5/143.17 and 215 ILCS 5/143.21.1
Section 143.17 says a company may not fail to renew a policy of the personal fire, extended-coverage, and related kinds defined in section 143.13 unless it mails the named insured at least 30 days’ advance notice, and keeps proof of mailing. The nonrenewal is not effective until at least 30 days after that mailing date. Section 143.21.1 adds a second rule after a fire and extended-coverage policy has been effective or renewed for five years: the company may nonrenew only for misrepresentation or fraud, a measurably increased risk, or 60 days’ notice under section 143.17. The department’s consumer page matches that split and says the notice has to give the factual reason, the appeal right, and that the Illinois FAIR Plan may be available. Do not quote 215 ILCS 5/143.17a for a typical homeowners policy. That section excepts the personal-lines definitions in section 143.13.
Illinois FAIR Plan. The Department of Insurance tells nonrenewed homeowners they may be eligible for the Illinois FAIR Plan. PIPSO counted 1,961 Illinois habitational policies in fiscal year 2024. What the plan covers still needs a look at the plan’s own materials.
NEEDS VERIFICATION
Indiana’s homeowners nonrenewal notice period was not re-read from the code for this review.
Indiana FAIR plan. PIPSO counted 810 Indiana habitational policies in fiscal year 2024. The plan name and perils need verification.
NEEDS VERIFICATION
Iowa’s homeowners nonrenewal notice period was not re-read from the code for this review.
Iowa FAIR plan. PIPSO counted 1,021 Iowa habitational policies in fiscal year 2024. The plan name and perils need verification.
NEEDS VERIFICATION
Kansas’s homeowners nonrenewal notice period was not re-read from the statutes for this review.
Kansas FAIR plan. PIPSO counted 11,507 Kansas habitational policies in fiscal year 2024. The plan name and perils need verification.
NEEDS VERIFICATION
Kentucky’s homeowners nonrenewal notice period was not re-read from the statutes for this review.
Kentucky FAIR plan. PIPSO counted 4,102 Kentucky habitational policies in fiscal year 2024. The plan name and perils need verification.
CITED RULE
La. R.S. 22:1335(A)
Act 182 of 2025 rewrote the homeowners nonrenewal clock. From 1 July 2026, an insurer may not fail to renew unless it mails or delivers written notice to the named insured at the policy address at least 60 days before expiration. The notice has to include the cause. If the notice is mailed with fewer than 60 days left, coverage stays in effect until 60 days after the notice is mailed or delivered. Before 1 July 2026 the statute’s clock was 30 days. A notice is not required if the insurer, or a company in the same group, has offered a renewal, or if the named insured has said in writing that they will not renew. Today’s reviews use the 60-day text.
Louisiana Citizens Property Insurance Corporation. Triple-I describes Louisiana Citizens as the state’s residual market, combining FAIR and beach plans. PIPSO counted 151,075 Louisiana habitational policies in fiscal year 2024. Confirm current eligibility on Citizens’ own site before you apply.
NEEDS VERIFICATION
Maine’s homeowners nonrenewal notice period was not re-read from the statutes for this review.
Needs verificationNeeds verification. This state does not appear in the fiscal-year 2024 FAIR-plan table the Insurance Information Institute republished from the Property Insurance Plans Service Office. A beach or wind pool can exist without appearing in that table. Needs verification on the department site.
NEEDS VERIFICATION
Maryland’s homeowners nonrenewal notice period was not re-read from the code for this review.
Maryland FAIR plan. PIPSO counted 678 Maryland habitational policies in fiscal year 2024. The plan name and perils need verification.
NEEDS VERIFICATION
Massachusetts’s homeowners nonrenewal notice period was not re-read from the General Laws for this review.
Massachusetts FAIR plan. PIPSO counted 213,928 Massachusetts habitational policies in fiscal year 2024, one of the larger residual books in the table. The plan’s legal name is commonly the Massachusetts Property Insurance Underwriting Association. Needs verification of that name against the plan’s current site.
Open the Massachusetts file · Massachusetts Division of Insurance
NEEDS VERIFICATION
Michigan’s homeowners nonrenewal notice period was not re-read from the code for this review.
Michigan FAIR plan. PIPSO counted 15,981 Michigan habitational policies in fiscal year 2024. The plan name and perils need verification.
Open the Michigan file · Michigan Department of Insurance and Financial Services
CITED RULE
Minn. Stat. § 65A.29
An insurer may not refuse to renew, reduce limits, or eliminate a coverage in a homeowners policy unless it mails or delivers notice to the insured at the policy address at least 60 days in advance. The notice must give the specific underwriting or other reason, the insurer’s name, and the date the notice is issued. The statute also lets the insured appeal a nonrenewal to the commissioner. If the commissioner finds the nonrenewal unjustified, arbitrary, or capricious, the commissioner orders the insurer to renew, and the policy continues in force while that appeal is pending. The notice has to tell the insured about the appeal. Read the section for the cancellation grounds and the first-59-days window, which are separate from nonrenewal.
Minnesota FAIR plan. PIPSO counted 4,160 Minnesota habitational policies in fiscal year 2024. The plan name and perils need verification.
NEEDS VERIFICATION
Mississippi’s homeowners nonrenewal notice period was not re-read from the code for this review.
Mississippi FAIR plan. PIPSO counted 2,237 Mississippi habitational policies in fiscal year 2024. Triple-I notes the Mississippi FAIR plan does not offer a commercial policy. A separate wind pool may exist. Needs verification.
Open the Mississippi file · Mississippi Insurance Department
NEEDS VERIFICATION
Missouri’s homeowners nonrenewal notice period was not re-read from the statutes for this review.
Missouri FAIR plan. PIPSO counted 2,041 Missouri habitational policies in fiscal year 2024. The plan name and perils need verification.
Open the Missouri file · Missouri Department of Commerce and Insurance
NEEDS VERIFICATION
Montana’s homeowners nonrenewal notice period was not re-read from the code for this review.
Needs verificationNeeds verification. This state does not appear in the fiscal-year 2024 FAIR-plan table the Insurance Information Institute republished from the Property Insurance Plans Service Office. A beach or wind pool can exist without appearing in that table. Needs verification on the department site.
Open the Montana file · Montana Commissioner of Securities and Insurance
NEEDS VERIFICATION
Nebraska’s homeowners nonrenewal notice period was not re-read from the statutes for this review.
Needs verificationNeeds verification. This state does not appear in the fiscal-year 2024 FAIR-plan table the Insurance Information Institute republished from the Property Insurance Plans Service Office. A beach or wind pool can exist without appearing in that table. Needs verification on the department site.
NEEDS VERIFICATION
Nevada’s homeowners nonrenewal notice period was not re-read from the statutes for this review.
Needs verificationNeeds verification. This state does not appear in the fiscal-year 2024 FAIR-plan table the Insurance Information Institute republished from the Property Insurance Plans Service Office. A beach or wind pool can exist without appearing in that table. Needs verification on the department site.
NEEDS VERIFICATION
New Hampshire’s homeowners nonrenewal notice period was not re-read from the statutes for this review.
Needs verificationNeeds verification. This state does not appear in the fiscal-year 2024 FAIR-plan table the Insurance Information Institute republished from the Property Insurance Plans Service Office. A beach or wind pool can exist without appearing in that table. Needs verification on the department site.
Open the New Hampshire file · New Hampshire Insurance Department
NEEDS VERIFICATION
New Jersey’s homeowners nonrenewal notice period was not re-read from the statutes for this review.
New Jersey FAIR plan. PIPSO counted 7,029 New Jersey habitational policies in fiscal year 2024. The plan name and perils need verification.
Open the New Jersey file · New Jersey Department of Banking and Insurance
NEEDS VERIFICATION
New Mexico’s homeowners nonrenewal notice period was not re-read from the statutes for this review.
New Mexico FAIR plan. PIPSO counted 7,506 New Mexico habitational policies in fiscal year 2024. The plan name and perils need verification.
Open the New Mexico file · New Mexico Office of Superintendent of Insurance
CITED RULE
N.Y. Ins. Law § 3425(d)(1)
Unless the insurer mails or delivers written notice at least 45 and not more than 60 days before the end of the policy period, the named insured is entitled to renew on timely payment of the billed premium. The specific reason has to be in the notice or with it. The Department of Financial Services tells homeowners the same 45-to-60-day window. During the required three-year policy period, a personal-lines nonrenewal generally has to rest on a ground that would have allowed cancellation. A phone call from an agent is not a substitute for the written notice. The statute also says notices in areas served by a market-assistance program must tell people about that program or the New York Property Insurance Underwriting Association.
New York Property Insurance Underwriting Association. Insurance Law § 3425 names the New York Property Insurance Underwriting Association as the residual-market referral in covered notices. PIPSO counted 20,669 New York habitational policies in fiscal year 2024. Confirm eligibility on the association’s site.
Open the New York file · New York Department of Financial Services
CITED RULE
N.C. Gen. Stat. § 58-41-20
Where Article 41 applies, an insurer that wants to nonrenew a policy of one year or less must give or mail written notice at least 45 days before expiration. Longer or indefinite terms use the anniversary date, with the same 45 days. A nonrenewal that misses the section is not effective. The notice must state the precise reason and must go to the insured and any designated mortgagee or loss payee. A separate subsection generally requires 30 days’ notice when the insurer lowers limits or raises deductibles or premium rates, other than at the policyholder’s request, subject to G.S. 58-41-25. Article 41’s scope in § 58-41-10 excludes some residential risks, including certain policies written with auto. Needs verification that your homeowners form is inside the article before you treat 45 days as the only clock.
North Carolina Joint Underwriting Association and coastal pool. PIPSO counted 235,990 North Carolina habitational policies in fiscal year 2024, and Triple-I’s table note says North Carolina is included after 2010. The state runs both a FAIR plan (the Joint Underwriting Association) and a coastal pool. Needs verification of which one a given beach or inland property would use.
Open the North Carolina file · North Carolina Department of Insurance
NEEDS VERIFICATION
North Dakota’s homeowners nonrenewal notice period was not re-read from the code for this review.
Needs verificationNeeds verification. This state does not appear in the fiscal-year 2024 FAIR-plan table the Insurance Information Institute republished from the Property Insurance Plans Service Office. A beach or wind pool can exist without appearing in that table. Needs verification on the department site.
Open the North Dakota file · North Dakota Insurance Department
NEEDS VERIFICATION
Ohio’s homeowners nonrenewal notice period was not re-read from the Revised Code for this review.
Ohio FAIR plan. PIPSO counted 13,942 Ohio habitational policies in fiscal year 2024. The plan name and perils need verification.
CITED RULE
OAC 365:15-1-14 and 36 O.S. § 3639.1
Oklahoma Insurance Department Bulletin 2026-02 says permanent rules effective 25 July 2026 require at least 60 days’ notice before cancellation or nonrenewal of a homeowners policy or other personal residential coverage. If the reason is one listed in 36 O.S. § 3639.1(A), the same rule shortens that to 10 days for cancellation and 30 days for nonrenewal. A separate sentence in § 3639.1 requires written notice of a new premium, deductible, limit, or coverage at least 30 days before expiration. Commercial section 36 O.S. § 3639 is a different statute. Do not quote its 45-day commercial nonrenewal rule for a homeowners policy. Mail counts as given on the day it is mailed.
Needs verificationNeeds verification. This state does not appear in the fiscal-year 2024 FAIR-plan table the Insurance Information Institute republished from the Property Insurance Plans Service Office. A beach or wind pool can exist without appearing in that table. Needs verification on the department site.
NEEDS VERIFICATION
Oregon’s homeowners nonrenewal notice period was not re-read from the statutes for this review.
Oregon FAIR plan. PIPSO counted 2,377 Oregon habitational policies in fiscal year 2024. The plan name and perils need verification.
Open the Oregon file · Oregon Division of Financial Regulation
NEEDS VERIFICATION
Pennsylvania’s homeowners nonrenewal notice period was not re-read from the statutes for this review.
Pennsylvania FAIR plan. PIPSO counted 8,982 Pennsylvania habitational policies in fiscal year 2024. The plan name and perils need verification.
Open the Pennsylvania file · Pennsylvania Insurance Department
NEEDS VERIFICATION
Rhode Island’s homeowners nonrenewal notice period was not re-read from the statutes for this review.
Rhode Island FAIR plan. PIPSO counted 16,029 Rhode Island habitational policies in fiscal year 2024, a large book for the state’s size. The plan name and perils need verification.
Open the Rhode Island file · Rhode Island Department of Business Regulation
NEEDS VERIFICATION
South Carolina’s homeowners nonrenewal notice period was not re-read from the code for this review.
Needs verificationNeeds verification. South Carolina is not in the fiscal-year 2024 FAIR-plan table. The state has long operated a coastal wind pool separate from a statewide FAIR plan. Needs verification of the current wind-pool name, territory, and eligibility.
Open the South Carolina file · South Carolina Department of Insurance
NEEDS VERIFICATION
South Dakota’s homeowners nonrenewal notice period was not re-read from the code for this review.
Needs verificationNeeds verification. This state does not appear in the fiscal-year 2024 FAIR-plan table the Insurance Information Institute republished from the Property Insurance Plans Service Office. A beach or wind pool can exist without appearing in that table. Needs verification on the department site.
Open the South Dakota file · South Dakota Division of Insurance
NEEDS VERIFICATION
Tennessee’s homeowners nonrenewal notice period was not re-read from the code for this review.
Needs verificationNeeds verification. This state does not appear in the fiscal-year 2024 FAIR-plan table the Insurance Information Institute republished from the Property Insurance Plans Service Office. A beach or wind pool can exist without appearing in that table. Needs verification on the department site.
Open the Tennessee file · Tennessee Department of Commerce and Insurance
CITED RULE
Tex. Ins. Code § 551.105
Unless the insurer has mailed written notice of nonrenewal, or of renewal with a material change in coverage, at least 60 days before expiration, it must renew the policy at the insured’s request. The policy still ends if a replacement policy with another carrier takes effect. House Bill 1900 changed this clock from 30 days to 60 and applies to policies delivered, issued for delivery, or renewed on or after 1 January 2024. A policy last renewed before that date can still sit under the old clock. Section 551.105 is the personal-lines rule. Do not quote the commercial nonrenewal section in its place.
Texas FAIR Plan Association. PIPSO counted 126,680 Texas FAIR Plan habitational policies in fiscal year 2024. Triple-I notes that the Texas FAIR Plan does not offer a commercial policy. Wind and hail in designated coastal counties are written by the Texas Windstorm Insurance Association, which is not the FAIR Plan. The county list needs verification on TWIA’s site before you assume a property is inside or outside it.
NEEDS VERIFICATION
Utah’s homeowners nonrenewal notice period was not re-read from the code for this review.
Needs verificationNeeds verification. This state does not appear in the fiscal-year 2024 FAIR-plan table the Insurance Information Institute republished from the Property Insurance Plans Service Office. A beach or wind pool can exist without appearing in that table. Needs verification on the department site.
NEEDS VERIFICATION
Vermont’s homeowners nonrenewal notice period was not re-read from the statutes for this review.
Needs verificationNeeds verification. This state does not appear in the fiscal-year 2024 FAIR-plan table the Insurance Information Institute republished from the Property Insurance Plans Service Office. A beach or wind pool can exist without appearing in that table. Needs verification on the department site.
Open the Vermont file · Vermont Department of Financial Regulation
NEEDS VERIFICATION
A Virginia Code section published as effective 1 January 2027 was not used as the current rule. The notice period in force for a 2026 expiration needs verification on the Legislative Information System’s current text of § 38.2-2114.
Virginia FAIR plan. PIPSO counted 22,622 Virginia habitational policies in fiscal year 2024. The plan name and perils need verification.
Open the Virginia file · Virginia State Corporation Commission, Bureau of Insurance
NEEDS VERIFICATION
Washington’s homeowners nonrenewal notice period was not re-read from the code for this review.
Washington FAIR plan. PIPSO counted 306 Washington habitational policies in fiscal year 2024. The plan name and perils need verification.
Open the Washington file · Washington Office of the Insurance Commissioner
NEEDS VERIFICATION
West Virginia’s homeowners nonrenewal notice period was not re-read from the code for this review.
West Virginia FAIR plan. PIPSO counted 260 West Virginia habitational policies in fiscal year 2024. The plan name and perils need verification.
Open the West Virginia file · West Virginia Offices of the Insurance Commissioner
NEEDS VERIFICATION
Wisconsin’s homeowners nonrenewal notice period was not re-read from the statutes for this review.
Wisconsin FAIR plan. PIPSO counted 5,246 Wisconsin habitational policies in fiscal year 2024. The plan name and perils need verification.
Open the Wisconsin file · Wisconsin Office of the Commissioner of Insurance
NEEDS VERIFICATION
Wyoming’s homeowners nonrenewal notice period was not re-read from the statutes for this review.
Needs verificationNeeds verification. This state does not appear in the fiscal-year 2024 FAIR-plan table the Insurance Information Institute republished from the Property Insurance Plans Service Office. A beach or wind pool can exist without appearing in that table. Needs verification on the department site.
Open the document. The sentence above is only as current as that reading.