Sec. 13. (a) A person is not entitled to notice of:
(1) cancellation of;
(2) nonrenewal of; or
(3) a material change in;
a policy of property or casualty insurance unless the person has notice rights under the terms of the policy of property or casualty insurance or an endorsement to the policy.
(b) The terms and conditions of notice described in subsection (a) are governed by the policy of property or casualty insurance or an endorsement to the policy and are not altered by a certificate of insurance.