reglab/housing_qa huggingface dataset:
Ohio Rev Code § 3929.20 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.20 | Rates of Cancellation for Cash Policies.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|When a policy issued on the cash plan is canceled, in accordance with section 3929.19 of the Revised Code, the company issuing such policy may retain customary short rates, as established and charged by companies doing a cash business, for the time the policy has been in force, and return to the insured the unearned premium on the policy for the unexpired time.
Ohio Rev Code § 3929.21 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.21 | Rates of Cancellation for Policies on the Mutual Plan.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|When a policy issued on the mutual plan is canceled in accordance with section 3929.19 of the Revised Code, the company issuing such policy must surrender to the insured the note received from him for premium or payment of losses. Such policy shall first be sent to the secretary or agent of the company, and, within sixty days after receipt thereof for cancellation, the premium note shall be returned. The insured shall first pay his proportion of all losses which actually occurred up to the date when the policy was received. The company is not liable for any loss under any such policy after it is returned for cancellation.
Ohio Rev Code § 3929.22 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.22 | Rates of Cancellation for Policies on Installment Plan.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|When a policy issued on the installment plan is canceled, in accordance with section 3929.19 of the Revised Code, the company issuing such policy may collect of the insured the customary short rates for the time the policy has been in force, said rates to be computed on the full term of insurance mentioned in the policy as charged by such company. On receipt of such short rates, it must return all installment notes then unpaid and refund to the insured any premium collected in excess of the short rates.
Ohio Rev Code § 3929.24 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.24 | Enforcement by Superintendent.

Effective: September 24, 1963|Latest Legislation:  House Bill 397 - 105th General Assembly|When it comes to the knowledge of the superintendent of insurance, or an officer having charge of the division of insurance, that any one of sections 3929.19 to 3929.22, inclusive, of the Revised Code, has been violated, he shall at once make a thorough investigation in regard to it, and on sufficient proof of such violation, shall revoke the certificate of authority of the company guilty of such violation.
Ohio Rev Code § 3929.25 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.25 | Extent of Liability Under Policy.

Effective: June 18, 1992|Latest Legislation:  Senate Bill 221 - 119th General Assembly|A person, company, or association insuring any building or structure against loss or damage by fire or lightning shall have such building or structure examined by his or its agent, and a full description thereof made, and its insurable value fixed, by such agent. In the absence of any change increasing the risk without the consent of the insurers, and in the absence of intentional fraud on the part of the insured, in the case of total loss the whole amount mentioned in the policy or renewal, upon which the insurer received a premium, shall be paid. However, if the policy of insurance requires actual repair or replacement of the building or structure to be completed in order for the policyholder to be paid the cost of such repair or replacement, without deduction for depreciation or obsolescence, up to the limits of the policy, then the amount to be paid shall be as prescribed by the policy.The cellar and foundation walls shall not be considered a part of such building or structure in settling losses, despite any contrary provisions in the application or policy.
Ohio Rev Code § 3929.26 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.26 | More Than One Policy on Same Property.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|When there are two or more insurance policies upon the same property, each policy shall contribute to the payment of the whole or of the partial loss in proportion to the amount of insurance mentioned in each policy. In no case shall the insurer be required to pay more than the amount mentioned in its policy.
Ohio Rev Code § 3929.27 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.27 | Solicitor Agent of Company.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|A person who solicits insurance and procures the application therefor shall be considered as the agent of the party, company, or association thereafter issuing a policy upon such application or a renewal thereof, despite any contrary provisions in the application or policy.
Ohio Rev Code § 3929.28 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.28 | Execution of Contracts.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|Policies or contracts of insurance made or entered into by a company may be made either with or without its seal. They shall be subscribed by the president of said company, or such other officer as the directors designate for that purpose, and shall be attested by the secretary. When such policies or contracts are subscribed and attested, they shall be obligatory on the company.
Ohio Rev Code § 3929.29 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.29 | Restrictions in Advertisements - Forfeiture.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|No fire insurance company organized under the laws of this state, or admitted to do business in this state, shall include in a statement of assets in any public advertisement, card, or circular, any item of value of a class or character not admitted by the superintendent of insurance in the annual report of such company. Every such advertisement, card, or circular, containing such a statement of assets of said company, must contain a full statement of all the liabilities of the company, including the reinsurance reserve, which in no case shall be less than that required by law for its annual report.Any violation of this section, after a second notice from the superintendent, will render such company liable to a forfeiture of one thousand dollars, and each subsequent violation to a like forfeiture, to be recovered in an action instituted against such company by the prosecuting attorney in the name of the state and paid to the county treasurer for the use of the schools as provided in sections 3315.31 and 3315.32 of the Revised Code.
Ohio Rev Code § 3929.30 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.30 | Annual Report.

Effective: May 26, 2010|Latest Legislation:  House Bill 300 - 128th General Assembly|The president or the vice-president and the secretary of each insurance company organized under the laws of this or any other state and doing business in this state, annually, on the first day of January or within sixty days thereafter, shall prepare, under oath, and deposit in the office of the superintendent of insurance a statement of the condition of such company on the next preceding thirty-first day of December. The statement shall be submitted on the forms adopted by the superintendent pursuant to section 3901.77 of the Revised Code, and shall exhibit the following facts and items: (A) The amount of the capital stock of the company, specifying the amount paid and unpaid;(B) A detailed statement of all the assets of the company and the manner of their investment.(C) The liabilities of the company, specifying:(1) The amount of losses due and unpaid;(2) The amount of claims for losses resisted by the company;(3) The amount of losses incurred during the year, including those claimed and not due, and those reported to the company upon which no action has been taken;(4) The amount of dividends declared, due, and unpaid;(5) The amount of dividends, either cash or scrip, declared but not due;(6) The amount of money borrowed and the security given for its payment;(7) The amount required for reinsurance, being a pro rata of all premiums, received and receivable, on unexpired risks and policies, provided that as to fire insurance business, a company may, at its option, maintain a sum equal to fifty per cent of the whole amount of premiums received and receivable on unexpired risks and policies running one year and less from the date of the policy. In the case of marine insurance, premiums on trip risks not terminated shall be deemed unearned, and the superintendent may require a reserve to be carried thereon equal to one hundred per cent of the premiums on trip risks written during the month ended as of the date of statement.(8) The amount of all other existing claims against the company.(D) The income of the company during the preceding year, specifying:(1) The amount of cash premiums received;(2) The amount of notes or contingent assets received for premiums;(3) The amount of interest money received;(4) The amount of income received from other sources.(E) The expenditure during the preceding year, specifying:(1) The amount of losses paid during the year, stating how much of them accrued prior, and how much accrued subsequent, to the date of the preceding statement, and the amount at which losses were estimated in each preceding statement;(2) The amount of dividends paid during the year;(3) The amount of expenses paid during the year, including commissions and fees to agents and officers of the company;(4) The amount paid for taxes;(5) The amount of all payments and expenditures;(6) The amount of scrip dividend declared.
Ohio Rev Code § 3929.31 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.31 | Special Report.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|The annual statement required by section 3929.30 of the Revised Code of a company, whose capital is composed in whole or part of notes, shall exhibit, in addition to the information specified in said section, the amount of notes which originally formed its capital, and what proportion of such notes is still held by the company and considered capital.
Ohio Rev Code § 3929.32 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.32 | Prohibition Against Failure to Make Statement.

Effective: October 26, 1989|Latest Legislation:  House Bill 105 - 118th General Assembly|No company organized under a law of this state, another state, or a foreign government shall fail to make and deposit the statement required by sections 3929.30 and 3929.31 of the Revised Code, or to reply to an inquiry of the superintendent of insurance with respect to that statement.Whoever violates this section shall be subject to a forfeiture of five hundred dollars, and an additional five hundred dollars for every month it thereafter continues to transact any business of insurance, to be recovered by action in the name of the state, and, on collection, paid into the state treasury.
Ohio Rev Code § 3929.34 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.34 | Distribution of Unallocated Payments.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|(A) All unallocated payments in division (B) of section 3929.33 of the Revised Code made in a given calendar year subsequent to the first four years in which a corporation has been issuing such policies shall be distributed as follows:(1) Thirty-five per cent shall be charged to the policies written in that year;(2) Forty per cent to the policies written in the preceding year;(3) Ten per cent of the policies written in the second year preceding;(4) Ten per cent to the policies written in the third year preceding;(5) Five per cent to the policies written in the fourth year preceding.(B) Such payments made in the first four calendar years in which a corporation has been issuing such policies shall be distributed as follows:(1) In the first calendar year one hundred per cent shall be charged to the policies written in that year;(2) In the second calendar year fifty per cent shall be charged to the policies written in that year and fifty per cent to the policies written in the preceding year;(3) In the third calendar year forty per cent shall be charged to the policies written in that year, forty per cent to the policies written in the preceding year, and twenty per cent to the policies written in the second year preceding;(4) In the fourth calendar year thirty-five per cent shall be charged to the policies written in that year, forty per cent to the policies written in the preceding year, fifteen per cent to the policies written in the second year preceding, and ten per cent to the policies written in the third year preceding.(C) A schedule showing such distribution of unallocated payments shall be included in its annual statement.
Ohio Rev Code § 3929.36 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.36 | Schedule Requirements for Corporations Issuing Certain Policies.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|A corporation which has been issuing policies covering the kinds of insurance described in section 3929.33 of the Revised Code for a period of less than ten years shall include in its annual statement a schedule as required by sections 3929.33 to 3929.35, inclusive, of the Revised Code, for the years in which it has issued such policies, and shall be charged with an indebtedness determined in the same manner; but in determining the indebtedness for policies written in the five years immediately preceding the date as of which the statement is made, the minimum ratios prescribed by said sections shall be used, subject to the same deductions and provisions as in the case of corporations that have been issuing such policies for ten years or more.
Ohio Rev Code § 3929.37 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.37 | Action by Attorney General.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|On the request of the superintendent of insurance, the attorney general shall institute the action authorized by section 3929.32 of the Revised Code against a delinquent company in the court of appropriate jurisdiction in Franklin county, or in the court of appropriate jurisdiction of the county in which such company is located or has its principal place of business.
Ohio Rev Code § 3929.41 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.41 | Purposes.

Effective: July 18, 1980|Latest Legislation:  House Bill 792 - 113th General Assembly|The purposes of sections 3929.41 to 3929.49 of the Revised Code are to:(A) Assure stability in the property insurance market for property located in urban areas of the state;(B) Assure the availability of basic property insurance as defined by sections 3929.41 to 3929.49 of the Revised Code;(C) Assure the availability, at the option of the applicant, of homeowners insurance as defined in division (B) of section 3929.42 of the Revised Code;(D) Encourage maximum use, in obtaining basic property insurance, of the normal insurance market provided by authorized insurers;(E) Provide for the equitable distribution among authorized insurers of the responsibility for insuring eligible property, for which basic property insurance cannot be obtained through the normal insurance market;(F) Authorize the establishment of a FAIR plan (fair access to insurance requirements), and the Ohio fair plan underwriting association.
Ohio Rev Code § 3929.42 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.42 | Urban Homeowners Insurance Definitions.

Effective: July 18, 1980|Latest Legislation:  House Bill 792 - 113th General Assembly|As used in sections 3929.41 to 3929.49 of the Revised Code, or any regulations adopted pursuant thereto:(A) "Basic property insurance" means insurance against direct loss to property as defined and limited in standard fire policies and extended coverage endorsements thereon, as approved by the superintendent of insurance, and insurance for such types, classes and locations of property against the perils of vandalism, malicious mischief, burglary, or theft, as the superintendent shall designate. Such insurance shall not include automobile insurance nor insurance on such types of manufacturing risks as may be excluded by the superintendent.(B) "Homeowners insurance" means insurance on owner-occupied dwellings providing personal multi-peril property and liability coverages commonly known as homeowners insurance, and is subject to such reasonable underwriting standards, exclusions, deductibles, rates, and conditions as are customarily used by member insurers for similar coverages.(C) "Insurer" includes any insurance company or group of companies under common ownership which is authorized to engage in the business of property insurance in this state.(D) "Association" means the Ohio fair plan underwriting association created by section 3929.43 of the Revised Code.(E) "Urban area" means this state or any municipality, or any other political subdivision or part thereof, as designated by the superintendent of insurance, or by the association with the approval of the superintendent.(F) "Fair plan" means a plan to assure fair access to insurance requirements.(G) "Premiums written" means gross direct premiums, including that portion of premium which is attributable to a riot loading or factor, excluding that portion of premium on risks ceded to the association, charged with respect to property in the state on all policies of basic property insurance and homeowners insurance and the basic property insurance premium components of all multi-peril policies, as computed by the association, covering property in this state, less all premiums and dividends returned, paid, or credited to policyholders, or the unused or unabsorbed portions of premium deposits.(H) "Inspection bureau" means any fire insurance rating bureau or other organization designated by the association, with the approval of the superintendent of insurance, to perform inspections to determine the condition of the properties for which the basic property insurance or homeowners insurance is sought and to perform such other duties as may be authorized by the association with the approval of the superintendent.
Ohio Rev Code § 3929.45 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.45 | Examination Into Operation of Association.

Effective: July 31, 1969|Latest Legislation:  House Bill 465 - 108th General Assembly|The superintendent of insurance or any person designated by him may visit and examine into the operation of the Ohio fair plan underwriting association and shall have free access to all the books, records, files, papers, and documents that relate to the operation of the association, and may summon, qualify, and examine as witnesses all persons having knowledge of such operations, including officers, agents, or employees thereof.
Ohio Rev Code § 3929.46 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.46 | Superintendent May Require Reports From Insurers.

Effective: July 18, 1980|Latest Legislation:  House Bill 792 - 113th General Assembly|The superintendent of insurance may require such reports from insurers concerning risks insured under any plan approved pursuant to sections 3929.41 to 3929.49 of the Revised Code, as he finds necessary.
Ohio Rev Code § 3929.47 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.47 | Appeals - Judicial Review.

Effective: July 31, 1969|Latest Legislation:  House Bill 465 - 108th General Assembly|Any person or insurer aggrieved by any action or decision of the administrator of the plan, the Ohio fair plan underwriting association, or of any insurer as a result of its participation therein, may appeal to the board of governors. The decision of the board of governors may be appealed to the superintendent of insurance within thirty days from the date of the action or the decision. The superintendent shall, after hearing held upon proper notice, issue an order approving or disapproving the action or decision, with respect to the matter which is the subject of appeal. All final orders and decisions of the superintendent are subject to judicial review as provided in Chapter 119. of the Revised Code.
Ohio Rev Code § 3929.48 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.48 | Immunity.

Effective: July 31, 1969|Latest Legislation:  House Bill 465 - 108th General Assembly|There shall be no liability on the part of, and no cause of action of any nature shall arise against any insurer, inspection bureau, or the Ohio fair plan underwriting association, or a director, agent, or employee of any of these, or the superintendent of insurance or his authorized representatives, for any inspections undertaken or statements made by any of them concerning the property to be insured, or any acts or omissions in connection therewith. Any reports and communications in connection therewith are not public documents.
Ohio Rev Code § 3929.481 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3929 | Domestic and Foreign Insurance Companies Other Than Life|Section 3929.481 | Issuing Fair Plan Policies.

Effective: July 1, 1979|Latest Legislation:  House Bill 590 - 112th General Assembly|The Ohio fair plan underwriting association is authorized to issue fair plan policies of insurance in its own name and to perform acts relative thereto in accordance with the plan of operation. The association is exempt from all license fees, and income, franchise, premium, and privilege taxes levied or assessed by this state or any political subdivision of this state, except that premium receipts from policies issued directly by the association are subject to the tax imposed by section 3737.71 of the Revised Code, computed upon the basis of a statement to be filed annually on or before the first day of March by the association with the superintendent of insurance in the form prescribed by him, and that annually on the first day of March the association shall pay to the superintendent a fee of one cent for each policy issued by it and then outstanding.