reglab/housing_qa huggingface dataset:
MO Rev Stat § 379.770 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.770 - Mergers or consolidation of reciprocal exchanges or interinsurers.

Effective - 28 Aug 2001   379.770. Mergers or consolidation of reciprocal exchanges or interinsurers. — Two or more domestic reciprocal exchanges or interinsurers may merge or consolidate on affirmative vote of not less than two-thirds of the subscribers of each exchange or interinsurer who vote on the merger or consolidation, pursuant to due notice and prior approval of the director of the department of commerce and insurance of this state of the terms and manner of the notice and of the manner and form of the voting and of the proposed merger or consolidation. ­­-------- (L. 1959 S.B. 31 § 375.895, A.L. 1967 p. 516, A.L. 2001 H.B. 212)
MO Rev Stat § 379.780 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.780 - Exemption from other insurance laws except retaliatory law, and certain enumerated sections.

Effective - 28 Aug 1975   379.780. Exemption from other insurance laws except retaliatory law, and certain enumerated sections. — 1. Except as provided in this section, no law of this state relating to insurance shall apply to the exchange of indemnity contracts. When any other law is applicable, it shall be construed in accordance with the fundamental nature of a reciprocal or interinsurance exchange. In the event of any conflict between such law and the provisions of this section or the provisions of sections 379.650 to 379.770, the latter shall prevail. The other law may, however, supplement or explain the provisions of this section and sections 379.650 to 379.770, and the laws herein made applicable to reciprocal or interinsurance exchanges.  2. The following laws shall be applicable to reciprocal or interinsurance exchanges:  (1) Chapter 148, wherein applicable to the taxation of insurance companies and associations;  (2) Chapter 374, wherein applicable to insurers or insurance companies except wherein the provisions thereof are specifically or clearly applicable only to a stock or mutual insurer;  (3) Chapter 375, wherein applicable to insurers or insurance companies except wherein the provisions thereof are specifically or clearly applicable only to a stock or mutual insurer;  (4) Sections 379.098, 379.100, 379.125, 379.140, 379.203, 379.420 to 379.510, inclusive, and sections 379.650 to 379.790, inclusive. ­­-------- (RSMo 1939 § 6089, A.L. 1967 p. 516, A.L. 1969 3d Ex. Sess. H.B. 21, A.L. 1975 H.B. 945)  Prior revisions: 1929 § 5977; 1919 § 6385
MO Rev Stat § 379.790 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.790 - Penalty for acting without legal authority.

Effective - 28 Aug 2007   379.790. Penalty for acting without legal authority. — 1. It is unlawful for any attorney to exchange any contracts of indemnity of the kind and character specified in sections 379.650 to 379.790, or directly or indirectly solicit or negotiate any applications for same without first complying with the foregoing provisions. However, the director may, in his discretion and on such terms as he may prescribe, issue a permit for organization purposes, the permit to continue in force or be cancelled at the pleasure of the director.  2. If the director determines that a person has engaged, is engaging in, or has taken a substantial step toward engaging in an act, practice or course of business constituting a violation of this section or a rule adopted or order issued pursuant thereto, or that a person has materially aided or is materially aiding an act, practice, omission, or course of business constituting a violation of this section or a rule adopted or order issued pursuant thereto, the director may issue such administrative orders as authorized under section 374.046. A violation of this section is a level one violation under section 374.049.  3. If the director believes that a person has engaged, is engaging in, or has taken a substantial step toward engaging in an act, practice or course of business constituting a violation of this section or a rule adopted or order issued pursuant thereto, or that a person has materially aided or is materially aiding an act, practice, omission, or course of business constituting a violation of this section or a rule adopted or order issued pursuant thereto, the director may maintain a civil action for relief authorized under section 374.048. A violation of this section is a level one violation under section 374.049. ­­-------- (RSMo 1939 § 6086, A.L. 1967 p. 516, A.L. 2007 S.B. 66)  Prior revisions: 1929 § 5974; 1919 § 6382
MO Rev Stat § 379.800 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.800 - Sections 374.030 to 379.790 intended as a continuation of existing law.

Effective - 28 Aug 1967   379.800. Sections 374.030 to 379.790 intended as a continuation of existing law. — All of the provisions of the law relating to insurance agents, agencies, brokers and companies, and to the administration and enforcement of the laws of the state relating to insurance by the department of commerce and insurance, which are repealed by sections 374.030 to 379.790 and reenacted hereby in part or in whole under new section numbers in the same or a different chapter, so far as they are the same as those of the prior law, shall be construed as a continuation of such law and not as a new enactment. ­­-------- (L. 1967 p. 516 § B)
MO Rev Stat § 379.808 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.808 - Insurance policies on certain real property — beneficiary deemed insured, duration, others covered not affected, when.

Effective - 28 Aug 2004   379.808. Insurance policies on certain real property — beneficiary deemed insured, duration, others covered not affected, when. — In addition to any other coverage provided under an insurance policy on real property transferred by a deed described in section 461.025, the designated grantee beneficiary shall be deemed to be an insured party under the policy for the period from the date of the owner's death until the first to occur of:  (1) The date that is thirty days after the owner's death;  (2) The end of the policy period, determined as if the owner was still living; or  (3) The date the designated grantee beneficiary obtains alternative coverage. ­­Nothing in this section shall affect any coverage provided under the policy to household members or others who are deemed to be insureds upon the death of the owner. ­­-------- (L. 2004 H.B. 1090)
MO Rev Stat § 379.810 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.810 - Program established.

Effective - 28 Aug 1969   379.810. Program established. — There is hereby established the "Missouri Basic Property Insurance Inspection and Placement Program" (hereinafter referred to as "program" ) to make available basic property insurance to persons having property interests in this state who are in good faith entitled to but who are unable to procure such coverage through ordinary methods. Such program shall provide for the equitable distribution and placement of risks among all insurers in the manner and subject to the conditions hereinafter stated. ­­-------- (L. 1969 H.B. 772 § 379.131)
MO Rev Stat § 379.815 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.815 - Definitions.

Effective - 28 Aug 2004   379.815. Definitions. — As used in this section, the following terms mean:  (1) "All-industry placement facility" (hereinafter referred to as "the facility" ), the organization formed by insurers to assist applicants in securing basic property insurance, to issue policies and to administer the program and the joint reinsurance association;  (2) "Basic property insurance", the coverage against direct loss to real and tangible personal property at a fixed location that is provided in the standard fire policy and extended coverage endorsement, including builders' risk, and such vandalism and malicious mischief endorsements, and such other classes of insurance as may be added to the program with respect to the property by amendment as hereinafter provided. Basic property insurance does not include automobile risks or such types of manufacturing risks as the governing committee may exclude with the approval of the director. Any contract, as defined in section 375.918, of the facility shall be subject to the provisions of section 375.918;  (3) "Commercial", basic property insurance not included under the personal lines statistical plan;  (4) "Director", the director of the department of commerce and insurance of the state of Missouri;  (5) "Habitational", basic property insurance included under the personal lines statistical plan;  (6) "Inspection bureau", the rating bureau or other organization designated by the facility with the approval of the director to make inspections as required under the program and to perform such other duties as may be authorized by the facility;  (7) "Insurer", any insurance company, reciprocal or interinsurance exchange or other organization licensed and authorized by the director to write property insurance, including the property insurance components of multiperil policies, on a direct basis, in this state;  (8) "Person" includes any individual or group of individuals, corporation, partnership, or association, or any other organized group of persons;  (9) "Premiums written", gross direct premiums (excluding that portion of premium on risks ceded to the joint reinsurance association) charged during the second preceding calendar year with respect to property in this state on all policies of basic property insurance and the basic property insurance premium components of all multiperil policies, as computed by the facility, less return premiums, dividends paid or credited to policyholders, or the unused or unabsorbed portions of premium deposits;  (10) "Property owner", with respect to any real, personal, or mixed real and personal property, means any person having an insurable interest in such property;  (11) "Secretary", the Secretary of the United States Department of Housing and Urban Development. ­­-------- (L. 1969 H.B. 772 § 379.131, A.L. 1986 S.B. 701, A.L. 2004 S.B. 1299)
MO Rev Stat § 379.820 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.820 - Inspections and reports.

Effective - 28 Aug 1986   379.820. Inspections and reports. — 1. Any property owner or his representative, the insurer, or the insurance agent or other producer may request an inspection by the inspection bureau. Such requests need not be in writing. The absence of a building owner or his representative during an inspection shall not preclude a tenant seeking insurance from obtaining an inspection under the program.  2. The manner and scope of the inspections of program business shall be prescribed by the facility with the approval of the director.  3. An inspection report shall be made for each property inspected. The report shall cover pertinent structural and occupancy features as well as the general condition of the building and surrounding structures. A representative photograph of the property may be taken during the inspection.  4. During the inspection, the inspector shall point out features of structure and occupancy to the applicant or his representative and shall indicate those features which may result in condition charges if the risk is accepted. The inspector shall have no authority to advise whether the facility will provide the coverage.  5. Within five business days after the inspection, a copy of the completed inspection report, and any photograph indicating the pertinent features of the building, construction, maintenance, occupancy and surrounding property shall be sent promptly to the facility. Included with the report shall be a rate makeup statement, including any condition charges or surcharges proposed as a result of the inspection and permitted by filings approved by the director. A copy of the inspection report shall be made available to the applicant upon request. ­­-------- (L. 1969 H.B. 772 § 379.131, A.L. 1986 S.B. 701)
MO Rev Stat § 379.825 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.825 - Issuance of policy, when — appointment of liability assumed — expenses — limits on liability.

Effective - 28 Aug 2004   379.825. Issuance of policy, when — appointment of liability assumed — expenses — limits on liability. — 1. The facility, upon receipt of an application for coverage and the corresponding inspection report from the inspection bureau, shall, after it finds that the property is eligible for insurance under this program, issue a policy.  2. The facility shall apportion the liability so assumed to the insurers in the manner hereinafter provided in section 379.835.  3. Assessments upon each insurer in the program for expenses in connection with program business shall be levied and assessed by the governing committee of the facility in the manner hereinafter provided in section 379.835, subject to such minimum assessment as shall be established by the governing committee.  4. Subject to the insurable value thereof, the maximum limits of liability which may be placed through this program are: on any habitational property at one location, two hundred thousand dollars; and on any commercial property at one location, one million dollars. The facility will endeavor to assist in placement when the requested amount of insurance exceeds the maximum limit of liability available under this program. The word "location" as used herein means real and personal property consisting of and contained in a single building or consisting of and contained in contiguous buildings under one ownership. ­­-------- (L. 1969 H.B. 772 § 379.131, A.L. 1986 S.B. 701, A.L. 2004 H.B. 1253 merged with S.B. 1299)
MO Rev Stat § 379.827 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.827 - Sinkhole loss policies authorized.

Effective - 28 Aug 2014   379.827. Sinkhole loss policies authorized. — 1. As used in this section, the term "sinkhole loss" means actual physical damage to a building or property arising out of sudden settlement or collapse of the earth supporting the building, and only when the sudden settlement or collapse results directly from subterranean voids created by the action of water on limestone or similar rock formation and is evidenced by:  (1) The abrupt collapse of the ground cover;  (2) A depression in the ground cover clearly visible to the naked eye;  (3) Structural damage to the covered building, including the foundation; and  (4) The insured structure is uninhabitable, which is evidenced by an order of condemnation by a governmental agency authorized to issue such an order for that structure, where applicable.  2. Upon application, beginning January 1, 2015, the plan may issue a policy exclusively for sinkhole loss on habitational property owned by the applicant in accordance with this section to supplement the applicant's primary coverage for loss on such property issued by an insurer authorized to do business in this state. Coverage shall be only for habitational structures and shall not cover driveways or nonhabitational detached structures. Contents coverage shall apply only if there is covered sinkhole loss on the habitational structure in which the contents were located. Sinkhole coverage under this section shall not include loss for the value of the land or for the costs associated with filling a sinkhole.  3. The provisions of sections* 379.810 to 379.880 shall apply to policies issued under this section; however the plan may establish specific procedures designed to expedite approval for policies covering sinkhole loss and premiums charged therefor shall be based only on the risk for sinkhole loss applicable to such property. The plan may establish specific claims investigation procedures for sinkhole losses necessary to determine whether any claimed loss was the result of sinkhole activity rather than due to some other form of earth subsidence not covered under the policy. ­­-------- (L. 2014 S.B. 691)  *Word "section" appears in original rolls.
MO Rev Stat § 379.835 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.835 - Joint reinsurance association.

Effective - 28 Aug 1986   379.835. Joint reinsurance association. — 1. A "Joint Reinsurance Association" (hereinafter referred to as "the association" ) shall be created consisting of all insurers. The association shall assume from the facility one hundred percent reinsurance on behalf of insurers and shall distribute the liability in accordance with section 379.825.  2. Each insurer shall participate in the writings, expenses, profits and losses of the association in the following manner:  (1) For habitational risks, the same proportion as its habitational premiums written bear to the aggregate habitational premiums written by all insurers in the program;  (2) For commercial risks, the same proportion as its commercial premiums written bear to the aggregate commercial premiums written by all insurers in the program.  3. Such association shall adopt a plan of operation and rules of procedure which, prior to being placed in effect, shall be filed with and approved by the director. Any amendments to the plan of operation or rules of procedure so adopted shall also be filed with and approved by the director prior to being placed into effect. ­­-------- (L. 1969 H.B. 772 § 379.131, A.L. 1986 S.B. 701)
MO Rev Stat § 379.840 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.840 - Standard policy coverage and rating procedure.

Effective - 28 Aug 1969   379.840. Standard policy coverage and rating procedure. — All policies issued shall be for basic property insurance on the forms and in accordance with the rate or rating procedures approved by the director for use with the program. Such policies shall be issued for a term of one year. ­­-------- (L. 1969 H.B. 772 § 379.131)
MO Rev Stat § 379.845 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.845 - Cancellation or nonrenewal.

Effective - 28 Aug 1986   379.845. Cancellation or nonrenewal. — 1. The facility shall not cancel a policy or binder issued under the program without approval of the governing committee except in case of:  (1) Evidence of incendiarism (meaning arson by or at the direction of the insured); or  (2) For nonpayment of premium; or  (3) Fraud or material misrepresentation; or  (4) A finding by the facility on the basis of satisfactory evidence that changes in the physical condition of the property or other changed conditions make the risk uninsurable.  2. Any notice of cancellation or notice of nonrenewal of a policy or binder issued under the program, together with a statement of the reason therefor, shall be sent to the insured and a copy retained by the facility. Any such notice shall be sent not less than thirty days prior to the cancellation or nonrenewal of any risk under the program to allow ample time for an application for new coverage to be made and a new policy to be written under the program.  3. Any cancellation or nonrenewal notice to the insured relating to a policy or binder issued under the program shall contain the procedures for obtaining an inspection under the program and shall be accompanied by a statement that the insured has a right of appeal as hereinafter provided. ­­-------- (L. 1969 H.B. 772 § 379.131, A.L. 1986 S.B. 701)
MO Rev Stat § 379.850 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.850 - Right of appeal.

Effective - 28 Aug 1986   379.850. Right of appeal. — 1. Any applicant may appeal a decision of the facility relating to the conditions for acceptance of coverage to the director, in writing, within thirty days from the decision of the facility.  2. Other than as provided in subsection 1 of this section, any applicant or insurer shall have the right of appeal to the governing committee. A decision of the committee may be appealed to the director, in writing, within thirty days from the action or decision of the committee. ­­-------- (L. 1969 H.B. 772 § 379.131, A.L. 1986 S.B. 701)
MO Rev Stat § 379.855 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.855 - Commissions.

Effective - 28 Aug 1969   379.855. Commissions. — 1. Commission under the program shall be twelve percent on new business and ten percent on renewal business on the policy premium and shall be paid to the licensed producer designated by the applicant.  2. If a licensed producer is not designated, the commission shall be deposited by the facility in a fund to be held by the director to be applied to the state of Missouri contribution as provided in Section 1223, Para (1), of U.S. Public Law 90-448. One year after termination of the program, any funds so held by the director and not applied as above set out shall be paid over to the treasurer of the state of Missouri as general revenue. ­­-------- (L. 1969 H.B. 772 § 379.131)
MO Rev Stat § 379.860 (2021)
2021 Missouri Revised Statutes|Title XXIV - Business and Financial Institutions|Chapter 379 - Insurance Other Than Life|Section 379.860 - Administration of program — governing committee, members, vacancies — immunity from liability, when.

Effective - 28 Aug 2020, 2 histories   379.860. Administration of program — governing committee, members, vacancies — immunity from liability, when. — 1. This program shall be administered by a governing committee (hereinafter referred to as "the committee") of the facility, subject to the supervision of the director, and operated by a manager appointed by the committee.  2. The committee shall consist of thirteen members:  (1) Ten members shall be elected as prescribed in the plan of operation;  (2) Three members shall be appointed by the director from each of the following: Missouri insurer, one; Licensed agent of an insurer, two. ­­Not more than one insurer in a group under the same management or ownership shall serve on the committee at the same time.  3. In case of a vacancy on the governing committee the director shall appoint a representative to such vacancy pending the designation or election as provided in the program.  4. There shall be no liability imposed on the part of and no cause of action of any nature shall arise against any member insurer or any member of the governing committee for any omission or action taken in the performance of their powers and duties under sections 379.810 to 379.880. ­­-------- (L. 1969 H.B. 772 § 379.131, A.L. 1986 S.B. 701, A.L. 2006 S.B. 837, A.L. 2020 S.B. 551)