reglab/housing_qa huggingface dataset:
WI Stat § 631.48 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.48 - Nonwaiver clause.

631.48  Nonwaiver clause. An insurer may insert in any insurance policy a provision that no change in the policy is valid unless approved by an executive officer of the insurer, or unless the approval is endorsed on the policy or attached to it, or both, and that no agent has authority to change the policy or waive any of its provisions. This does not preclude a person claiming a right under the policy from relying on waiver or estoppel in an appropriate case.History:  1975 c. 375.
WI Stat § 631.51 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.51 - Dividends on policies.

631.51  Dividends on policies. (1) Life insurance and annuities. Section 632.62 applies to life insurance and annuities. (2)  Insurance, other than life insurance and annuities. Any insurer may distribute a portion of surplus attributable to policies other than life insurance or annuities, in amounts and with classifications the board of directors determines to be fair and reasonable. Such distribution may not be made contingent on the continuation of the policy or of premium payments except under s. 632.75 (2). A schedule explaining the basis for the distribution shall be filed with the commissioner prior to the distribution. (3)  When not specified in policy. Any insurer may distribute surplus to any class of policyholders even if those policies do not so provide. A schedule explaining the basis for the distribution shall be filed with the commissioner at least 30 days prior to the distribution. (4)  Combined dividends. It is permissible to provide an indivisible dividend to classes of policyholders having more than one type of policy, including a combination of life or annuities with other types of insurance.History:  1975 c. 375.
WI Stat § 631.64 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.64 - Corporate name.

631.64  Corporate name. Every insurance policy or annuity contract shall conspicuously display the name of the insurer on its first page.History:  1975 c. 375.
WI Stat § 631.65 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.65 - Assessable policies.

631.65  Assessable policies. Every assessable policy shall conspicuously display on the first page, separately from any other provision and in type at least as large as any used in the body of the policy, the words “This policy is assessable".History:  1975 c. 375; 1981 c. 218.
WI Stat § 631.69 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.69 - Insurance written in connection with finance plans.

631.69  Insurance written in connection with finance plans. Any insurance contract written in connection with a finance plan or other credit transaction shall contain provisions to protect the insured from overreaching by the insurer or by the creditor in connection with the insurance, including a provision that a copy of the complete policy or a certificate containing all of the essential terms be furnished to the debtor and that there shall be an appropriate surrender value or refund of unearned premium to the debtor calculated on a basis approved by the commissioner if the debt is paid or if the insurance contract is rewritten because the original finance plan or credit transaction is altered or a new plan or transaction is entered into with the same or an affiliated lender. This section is satisfied by compliance with the terms of ch. 424, if they are applicable.History:  1975 c. 375.
WI Stat § 631.81 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.81 - Notice and proof of loss.

631.81  Notice and proof of loss. (1) Timeliness of notice. Provided notice or proof of loss is furnished as soon as reasonably possible and within one year after the time it was required by the policy, failure to furnish such notice or proof within the time required by the policy does not invalidate or reduce a claim unless the insurer is prejudiced thereby and it was reasonably possible to meet the time limit. (2)  Method of giving notice. It is a sufficient service of notice or proof of loss if a 1st class postage prepaid envelope addressed to the insurer and containing the proper notice or proof is deposited in any U.S. post office within the time prescribed. The commissioner may expressly approve clauses requiring more expeditious methods of notice where that is reasonable. (3)  Meaning of insurer's acts. The acknowledgment by the insurer of the receipt of notice, the furnishing of forms for filing proofs of loss, the acceptance of such proofs, or the investigation of any claim are not alone sufficient to waive any of the rights of the insurer in defense of any claim arising under the insurance contract.History:  1975 c. 375.An insured's contradictory statements constituted a breach of the contractual duties of notice and cooperation. Dietz v. Hardware Dealers Mutual Fire Insurance Co., 88 Wis. 2d 496, 276 N.W.2d 808 (1979).When the insured fails to give notice within one year after the time required in the policy, there is a rebuttable presumption of prejudice, and the burden of proof shifts to the claimant to prove that the insurer was not prejudiced. Neff v. Pierzina, 2001 WI 95, 245 Wis. 2d 285, 629 N.W.2d 177, 99-1069.An insurer is prejudiced by late notice when it has been denied the opportunity to have input into how the underlying claim is being defended. An insured may not assume that if its insurer had been given the opportunity to make a timely investigation, it would have produced the same result as that produced by the insured's own investigation or that any discovery that the insurer would have conducted would parallel that already conducted by the insured. Phoenix Contractors, Inc. v. Affiliated Capital Corp., 2004 WI App 103, 273 Wis. 2d 736, 681 N.W.2d 310, 03-2259.Wisconsin's notice-prejudice statutes, this section and s. 632.26, do not supersede the reporting requirement specific to claims-made-and-reported policies. Anderson v. Aul, 2015 WI 19, 361 Wis. 2d 63, 862 N.W.2d 304, 13-0500.The Federal Employee Retirement Income Security Act (ERISA) preempts state law related to any covered employee benefit plan, but does not preempt state regulation of insurance. This section regulates insurance and is not preempted. Bogusewski v. Life Insurance Co. of North America, 977 F. Supp. 1357 (1997).
WI Stat § 631.85 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.85 - Appraisal or arbitration.

631.85  Appraisal or arbitration. An insurance policy may contain provisions for independent appraisal and compulsory arbitration, subject to the provisions of s. 631.20. If an approved policy provides for application to a court of record for the appointment of a disinterested appraiser, arbitrator, or umpire, any court of record of this state except the court of appeals or the supreme court may be requested to make an appointment. Upon appropriate request, the court shall make the appointment promptly. This section does not apply to a surplus lines insurance form issued under s. 618.41 before, on, or after April 20, 2012. History:  1975 c. 375; 1977 c. 187; 2011 a. 224.Although s. 631.20 generally refers to forms, its procedure for approval of forms is applicable to arbitration clauses under this section. An arbitration clause not approved under this section is per se invalid. Appleton Papers, Inc. v. Home Indemnity Co., 2000 WI App 104, 235 Wis. 2d 39, 612 N.W.2d 760, 99-1567.
WI Stat § 631.89 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.89 - Restrictions on use of genetic test results.

631.89  Restrictions on use of genetic test results. (1) In this section, “genetic test" means a test using deoxyribonucleic acid extracted from an individual's cells in order to determine the presence of a genetic disease or disorder or the individual's predisposition for a particular genetic disease or disorder. (2) An insurer, the state with respect to a self-insured health plan, or a county, city, village or school board that provides health care services for individuals on a self-insured basis, may not do any of the following:(a) Require or request directly or indirectly any individual or a member of the individual's family to obtain a genetic test.(b) Require or request directly or indirectly any individual to reveal whether the individual or a member of the individual's family has obtained a genetic test or what the results of the test, if obtained by the individual or a member of the individual's family, were.(bm) Require or request directly or indirectly a health care provider, as defined in s. 146.81 (1) (a) to (p), who is or may be providing or who has or may have provided health care services to an individual to reveal whether the individual or a member of the individual's family has obtained a genetic test or what the results of the test, if obtained by the individual or a member of the individual's family, were. (c) Condition the provision of insurance coverage or health care benefits on whether an individual or a member of the individual's family has obtained a genetic test or what the results of the test, if obtained by the individual or a member of the individual's family, were.(d) Consider in the determination of rates or any other aspect of insurance coverage or health care benefits provided to an individual whether an individual or a member of the individual's family has obtained a genetic test or what the results of the test, if obtained by the individual or a member of the individual's family, were. (3) (a) Subsection (2) does not apply to an insurer writing life insurance coverage or income continuation insurance coverage.(b) An insurer writing life insurance coverage or income continuation insurance coverage that obtains information under sub. (2) (a) or (b) may not do any of the following:1. Use the information contrary to sub. (2) (c) or (d) in writing a type of insurance coverage other than life or income continuation for the individual or a member of the individual's family.2. Provide for rates or any other aspect of coverage that is not reasonably related to the risk involved.History:  1991 a. 269; 1997 a. 74; 2009 a. 28.
WI Stat § 631.90 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.90 - Restrictions on use of tests for HIV.

631.90  Restrictions on use of tests for HIV. (1) In this section, “HIV test" has the meaning given in s. 252.01 (2m). (2) With regard to policies issued or renewed on and after July 20, 1985, an insurer may not do any of the following:(a) Require or request directly or indirectly any individual to reveal whether the individual has obtained an HIV test or what the results of this test, if obtained by the individual, were.(b) Condition the provision of insurance coverage on whether an individual has obtained an HIV test or what the results of this test, if obtained by the individual, were.(c) Consider in the determination of rates or any other aspect of insurance coverage provided to an individual whether an individual has obtained an HIV test or what the results of this test, if obtained by the individual, were. (3) (a) Subsection (2) does not apply with regard to an HIV test for use in the underwriting of individual life, accident and health insurance policies that the commissioner finds and designates by rule as sufficiently reliable for use in the underwriting of individual life, accident and health insurance policies.(b) Paragraph (a) does not authorize the use of an HIV test to discriminate in violation of s. 628.34 (3).History:  1985 a. 29, 73; 1987 a. 70 ss. 34, 36; 1989 a. 201 ss. 31, 36; 1995 a. 27 s. 9126 (19); 2007 a. 20 s. 9121 (6) (a); 2009 a. 209.
WI Stat § 631.93 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.93 - Prohibited provisions concerning HIV infection.

631.93  Prohibited provisions concerning HIV infection. (1) Definitions. In this section, “HIV infection" means the pathological state produced by a human body in response to the presence of HIV, as defined in s. 631.90 (1). (2)  Accident and health insurance. An accident or health insurance policy may not contain exclusions or limitations, including deductibles or copayments, for coverage of the treatment of HIV infection or any illness or medical condition arising from or related to HIV infection, unless the exclusions or limitations apply generally to other illnesses or medical conditions covered by the policy. (3)  Life insurance. A life insurance policy may not deny or limit benefits solely because the insured's death is caused, directly or indirectly, by HIV infection or any illness or medical condition arising from or related to HIV infection.History:  1989 a. 201.
WI Stat § 632.07 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 632 - Insurance contracts in specific lines.|632.07 - Prohibiting requiring property insurance in excess of replacement value.

632.07  Prohibiting requiring property insurance in excess of replacement value. A lender may not require a borrower, as a condition of receiving or maintaining a loan secured by real property, to insure the property against risks to improvements on the real property in an amount that exceeds the replacement value or market value of the improvements, whichever is greater.History:  2007 a. 170.
WI Stat § 632.08 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 632 - Insurance contracts in specific lines.|632.08 - Mortgage clause.

632.08  Mortgage clause. A provision for payment to a mortgagee or other owner of a security interest in property may be contained in or added by endorsement to any insurance policy protecting against loss or destruction of or damage to property. If the insurance covers real property, any loss not exceeding $500 shall be paid to the insured mortgagor despite the provision, unless the mortgagee is a named insured.History:  1975 c. 375; 1979 c. 102.
WI Stat § 632.09 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 632 - Insurance contracts in specific lines.|632.09 - Choice of law.

632.09  Choice of law. Every insurance against loss or destruction of or damage to property in this state or in the use of or income from property in this state is governed by the law of this state.History:  1975 c. 375.
WI Stat § 632.10 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 632 - Insurance contracts in specific lines.|632.10 - Definitions applicable to property insurance escrow.

632.10  Definitions applicable to property insurance escrow. In ss. 632.10 to 632.104: (1) “Building and safety standards" means the requirements of chs. 101 and 145 and of any rule promulgated by the department of safety and professional services under ch. 101 or 145, and standards of a 1st class city relating to the health and safety of occupants of buildings.  (2) “Deliver" means delivery in person, or delivery by deposit with the U.S. postal service of certified or 1st class mail addressed to the recipient at the recipient's last-known address. (3) “Final settlement" means the amount that an insurer owes under a property insurance policy to the named insured and other interests named in the policy for loss to any insured building or other structure affixed to land that is caused by fire or explosion, excluding any amount payable for loss to contents or other personal property, for loss of use or business interruption and any amount payable under liability coverage under the policy, and that is determined by any of the following means:(a) Acceptance of a proof of loss by the insurer.(b) Execution of a release by the named insured.(c) Acceptance of an arbitration award by the insurer and named insured.(d) Judgment of a court of competent jurisdiction.History:  1989 a. 347; 1995 a. 27 ss. 7041, 9116 (5); 2011 a. 32.
WI Stat § 632.101 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 632 - Insurance contracts in specific lines.|632.101 - Policy terms.

632.101  Policy terms. (1) Affected policies. Except as provided in sub. (2), every property insurance policy issued or delivered in this state, including property insurance policies issued under the mandatory risk-sharing plan operating under s. 619.01, that insures real property located in a 1st class city against loss caused by fire or explosion shall provide for payment of any final settlement under the policy in the manner described in ss. 632.102 to 632.104. (2)  Excluded policies. Sections 632.10 to 632.104 do not apply to property insurance policies issued in any of the following circumstances:(a) By the local government property insurance fund under ch. 605.(b) On a one- or 2-family dwelling that is occupied by the named insured as a principal residence, if any of the following is satisfied:1. The named insured gives proof of occupancy to the insurer by a valid Wisconsin operator's license.2. If the named insured does not possess a valid Wisconsin operator's license, the named insured gives proof of occupancy to the 1st class city by documentation approved by the 1st class city. Upon acceptance of the proof, the 1st class city shall immediately notify the insurer that a policy issued on the property is exempt from ss. 632.10 to 632.104.History:  1989 a. 347; 1991 a. 315.
WI Stat § 632.104 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 632 - Insurance contracts in specific lines.|632.104 - Funds released to mortgagee.

632.104  Funds released to mortgagee. (1) First mortgage in default. The insurer shall release to a mortgagee funds withheld under s. 632.102, in an amount and within the period provided in sub. (2), if all of the following conditions are satisfied:(a) The mortgagee holds a first mortgage on the real property with respect to which the funds are being withheld, and the mortgage is in default.(b) The mortgage was executed before March 1, 1991.(c) The mortgagee delivers to the insurer a written request for release of the funds within 15 days after delivery of the notice of withholding under s. 632.102 (3). (2)  Amount released; timing. If sub. (1) is satisfied, the insurer shall release to the mortgagee all or any portion of the funds withheld with respect to the mortgaged property as is necessary to satisfy an outstanding first lien mortgage of the mortgagee. The insurer shall release the funds within 10 days after receiving the request under sub. (1) (c).History:  1989 a. 347.
WI Stat § 632.14 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 632 - Insurance contracts in specific lines.|632.14 - Bonds need not be under seal.

632.14  Bonds need not be under seal. No suretyship obligation need be under seal unless a seal is required by the applicable federal law or law of another jurisdiction.History:  1975 c. 375.
WI Stat § 632.17 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 632 - Insurance contracts in specific lines.|632.17 - Validity of surety bonds.

632.17  Validity of surety bonds. (1) Failure to file certificate. No instrument executed by an insurer authorized to do a surety business is ineffective because of failure to file the certificate of its authority to do business in this state or a certified copy thereof; but the officer with whom any instrument so executed has been filed or any person who might claim the benefit thereof may by written notice require the person filing the instrument to have a certified copy of the certificate of authority filed with the officer, and unless the copy is filed within 8 days after receipt of the notice the instrument does not satisfy the requirement that the instrument be supplied. (2)  Satisfaction of obligations to provide surety. An undertaking in appropriate terms issued by an insurer authorized to do a surety business satisfies and is complete compliance with any authorization or requirement in the law of this state respecting surety bonds, undertakings or other similar obligations, and shall be accepted as such by any official authorized to receive or empowered to require such an undertaking, subject to sub. (1).History:  1975 c. 375.
WI Stat § 632.18 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 632 - Insurance contracts in specific lines.|632.18 - Rustproofing warranties insurance.

632.18  Rustproofing warranties insurance. A policy of insurance to cover a warranty, as defined in s. 100.205 (1) (g), shall fully cover the financial integrity of the warranty.History:  1985 a. 29.
WI Stat § 632.185 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 632 - Insurance contracts in specific lines.|632.185 - Vehicle protection product warranty insurance policy.

632.185  Vehicle protection product warranty insurance policy. (1) In this section:(a) “Vehicle protection product" has the meaning given in s. 100.203 (1) (e).(b) “Warrantor" has the meaning given in s. 100.203 (1) (f).(c) “Warranty" has the meaning given in s. 100.203 (1) (g).(d) “Warranty holder" has the meaning given in s. 100.203 (1) (h).(e) “Warranty reimbursement insurance policy" has the meaning given in s. 100.203 (1) (i). (2) A warranty reimbursement insurance policy that is issued, sold, or offered for sale in this state shall meet all of the following conditions:(a) The policy is issued by an insurer authorized to do business in this state.(b) The policy states that the issuer of the policy will reimburse or pay on behalf of the warrantor all covered sums that the warrantor is legally obligated to pay or will provide the service that the warrantor is legally obligated to perform according to the warrantor's contractual obligations under the provisions of the insured warranties sold by the warrantor.(c) The policy states that if the warrantor does not provide payment due under the terms of the warranty within 60 days after the warranty holder has filed proof of loss according to the terms of the warranty, the warranty holder may file for a reimbursement directly with the issuer of the warranty reimbursement insurance policy.(d) The policy provides that the issuer of the warranty reimbursement insurance policy has received payment of the premium if the warranty holder paid for the vehicle protection product covered under the insured warranty and that the insurer's liability under the policy may not be reduced or relieved by a failure of the warrantor to report to the insurer the issuance of a warranty.(e) The policy contains the following provisions regarding cancellation:1. The policy may not be canceled by the issuer until a written notice of cancellation has been mailed or delivered to the commissioner and the insured warrantor.2. The cancellation of the policy does not reduce the issuer's responsibility with respect to warranties that apply to vehicle protection products sold prior to the date of cancellation.3. If the warrantor has filed the policy with the commissioner and the issuer cancels the policy, the warrantor shall do one of the following:a. File a copy of a new policy with the commissioner, before the termination of the prior policy, providing no lapse in coverage following the termination of the prior policy.b. Discontinue acting as a warrantor as of the termination date of the policy until a new policy becomes effective and the commissioner accepts it. History:  2003 a. 302.
WI Stat § 632.22 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 632 - Insurance contracts in specific lines.|632.22 - Required provisions of liability insurance policies.

632.22  Required provisions of liability insurance policies. Every liability insurance policy shall provide that the bankruptcy or insolvency of the insured shall not diminish any liability of the insurer to 3rd parties and that if execution against the insured is returned unsatisfied, an action may be maintained against the insurer to the extent that the liability is covered by the policy.History:  1975 c. 375.