Maryland Insurance Section 12-105

      Without limitation of any right or defense of an insurer, the following acts by or on behalf of an insurer are not considered to be a waiver of a provision of a policy or of a defense of the insurer under the policy:

            (1)      acknowledging the receipt of notice of loss or claim under the policy;

            (2)      furnishing a form for:

                  (i)      reporting a loss or claim;

                  (ii)      giving information relating to a loss or claim; or

                  (iii)      making proof of a loss;

            (3)      receiving or acknowledging receipt of a form or proof listed in item (2) of this section, completed or uncompleted;

            (4)      investigating a loss or claim under a policy; or

            (5)      engaging in negotiations toward settlement of a loss or claim.