Virginia Code Title 38.2. Insurance § 38.2-2131. Assignment of claims prohibited

A. Consistent with the provisions of § 38.2-2104, no person insured under a fire insurance policy or a fire insurance policy in combination with other coverages shall assign or otherwise transfer, in whole or in part, to any other person the duties, rights, or benefits of the insured under the policy arising from a claim or covered loss without written consent of the insurer.

B. Any contract provision entered in violation of this section shall be void and unenforceable.

C. The provisions of this section shall not be construed to prohibit an insured from:

D. Notwithstanding the provisions of § 38.2-2123, the provisions of this section shall apply to (i) mutual assessment property and casualty insurers and (ii) mutual insurers and associations organized under the laws of the Commonwealth conducting business only in the Commonwealth and issuing only policies providing for perpetual insurance.