reglab/housing_qa huggingface dataset:
CT Gen Stat § 38a-313b (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-313b - Coverage for perishable food donated by certain food establishments.

 (a)(1) Subject to the provisions of subsection (b) of this section, any insurer that delivers, issues for delivery, renews, amends or continues in this state a commercial risk insurance policy or rider to such policy that provides coverage for the spoilage of perishable food shall provide coverage to the same extent for perishable food that is donated to a temporary emergency shelter operated or supervised by a municipality or the state during a state of emergency for a limited time period, if: (A) The Governor proclaims that a state of emergency exists; (B) as a result or as part of such emergency, an electrical outage or interruption of electrical service to an insured under such policy or rider has occurred and is forecast by the electric supplier for such insured to last longer for the insured location than the time period prescribed by the Department of Public Health or local director of health, or an authorized agent thereof, for the safe handling of perishable food; (C) such perishable food is donated prior to the expiration of the time period described in subparagraph (B) of this subdivision; and (D) the insured provides to the insurer written documentation from such shelter that states the date and time of such donation.(2) The provisions of subdivision (1) of this subsection shall apply to an insurance policy or rider delivered, issued for delivery, renewed, amended or continued in this state for a food establishment classified as a class 3 or class 4 food establishment pursuant to regulations adopted under section 19a-36h.(b) No such food establishment shall donate perishable food pursuant to subdivision (1) of subsection (a) of this section if (1) the Department of Public Health or a local director of health, or an authorized agent thereof, has embargoed or ordered destroyed such perishable food, (2) the Department of Consumer Protection or its authorized agent has deemed such perishable food adulterated, as defined in section 21a-101, or (3) such perishable food is not fit for human consumption.(c) To the extent a tax deduction or tax credit is allowed under state law for a donation made pursuant to this section, no food establishment that donates perishable food in accordance with the provisions of this section and receives payment from an insurer for such donation shall avail itself of a tax deduction or tax credit for the amount of such payment.(P.A. 12-123, S. 1; P.A. 17-93, S. 14.)History: P.A. 17-93 amended Subsec. (a)(2) by replacing “class III or class IV” with “a class 3 or class 4 food establishment” and replacing reference to Sec. 19a-36 with reference to Sec. 19a-36h.See Sec. 52-557l re immunity from liability for food establishments donating perishable food.
CT Gen Stat § 38a-314. (Formerly Sec. 38-105) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-314. (Formerly Sec. 38-105) - Conditions to be stated in body of policy.

 No condition in any policy of insurance against loss by fire shall be valid unless stated in the body of the policy.(1949 Rev., S. 6104.)History: Sec. 38-105 transferred to Sec. 38a-314 in 1991.
CT Gen Stat § 38a-315. (Formerly Sec. 38-106) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-315. (Formerly Sec. 38-106) - Form of policies in other states.

 Any domestic property insurance company doing or proposing to do business in another state may frame and issue policies in such other state in accordance with the laws thereof.(1949 Rev., S. 6112; P.A. 90-243, S. 50.)History: P.A. 90-243 substituted “property” for “fire” insurance; Sec. 38-106 transferred to Sec. 38a-315 in 1991.
CT Gen Stat § 38a-316. (Formerly Sec. 38-114) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-316. (Formerly Sec. 38-114) - Premium notes subject to set-off.

 Section 38a-316 is repealed, effective October 1, 1998.(1949 Rev., S. 6122; P.A. 90-243, S. 53; P.A. 98-214, S. 32.)
CT Gen Stat § 38a-316a (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-316a - Failure to install or have on premises storm shutters prohibited as sole basis for refusal to renew or issue homeowners insurance policy. Imposition of hurricane deductibles.

 (a) No insurer that delivers, issues for delivery, renews, amends or endorses a homeowners insurance policy in this state on or after October 1, 2014, shall refuse to renew or issue such a policy solely on the basis that the insured or prospective insured has failed to install storm shutters on, or failed to have storm shutters on the premises of, his or her residential dwelling as a means of mitigating loss from hurricanes or other severe storms.(b) (1) For a (A) personal risk insurance policy, as defined in section 38a-663, other than a private passenger nonfleet automobile insurance policy, (B) condominium association master policy under section 47-83, or (C) unit owners' association property insurance policy under section 47-255, issued or renewed on or after October 1, 2012, an insurer may impose a hurricane deductible in such policy in lieu of an overall policy deductible during the period commencing with the issuance of a hurricane warning by the National Hurricane Center of the National Weather Service in any part of the state if such hurricane results in a maximum sustained surface wind of seventy-four miles per hour or more for any part of this state.(2) Such imposition shall be applied during the period (A) commencing not earlier than the National Weather Service National Hurricane Center's issuance of a hurricane warning for any part of this state, and (B) ending twenty-four hours after said National Hurricane Center's termination of the last hurricane warning for any part of this state or twenty-four hours after said National Hurricane Center's last downgrade of the hurricane from hurricane status for any part of this state, whichever is earlier.(3) The commissioner may adopt regulations, in accordance with the provisions of chapter 54, to implement the provisions of subdivision (1) of this subsection and the most current guidelines and bulletins issued by the Insurance Department and in effect that pertain to hurricane deductibles.(P.A. 07-77, S. 1; June Sp. Sess. P.A. 07-4, S. 26; P.A. 12-162, S. 1; June 12 Sp. Sess. P.A. 12-2, S. 95; P.A. 14-175, S. 1.)History: P.A. 07-77 effective January 1, 2008; June Sp. Sess. P.A. 07-4 changed effective date from January 1, 2008, to July 1, 2007; P.A. 12-162 designated existing provisions as Subsec. (a) and added Subsec. (b) re hurricane deductibles; June 12 Sp. Sess. P.A. 12-2 amended Subsec. (b)(1) to substitute “October 1, 2012” for “July 1, 2012”; P.A. 14-175 amended Subsec. (a) to add “on or after October 1, 2014,” delete “permanent” re storm shutters, and add provision re failure to have storm shutters on premises as prohibited sole basis for refusal to renew or issue homeowners insurance policy.
CT Gen Stat § 38a-316b (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-316b - Premium discount on homeowners insurance policies for installation of permanent storm shutters or impact-resistant glass.

 Each insurer that delivers, issues for delivery, renews, amends or endorses in this state a homeowners insurance policy for a residential dwelling shall offer a premium discount on any such policy to any homeowner who submits to such insurer proof of installation of permanent storm shutters or impact-resistant glass on his or her dwelling as a means of mitigating loss from hurricanes or other severe storms. Such discount shall be based on sound actuarial principles and shall be applicable to premium charges for any such policy delivered, issued for delivery, renewed, amended or endorsed on or after January 1, 2008.(P.A. 07-77, S. 2.)History: P.A. 07-77 effective January 1, 2008.
CT Gen Stat § 38a-316c (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-316c - Coastal market assistance program established to assist coastal area residents to obtain homeowners insurance. Regulations.

 (a) The Insurance Commissioner may establish a coastal market assistance program to assist homeowners to obtain homeowners insurance for their residential dwellings located in proximity to the coastal area of the state. Such program may consist of a network of participating insurers and insurance producers that act on a voluntary basis and operate under the auspices of the commissioner to provide such assistance to homeowners. The commissioner may require any insurer that declines to issue or renew a homeowners insurance policy to provide notice, in writing, to the affected applicant or insured of the existence of such program.(b) The commissioner may adopt regulations, in accordance with chapter 54, to implement the provisions of this section.(P.A. 07-77, S. 3.)History: P.A. 07-77 effective May 30, 2007.
CT Gen Stat § 38a-316d (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-316d - Prohibitions on declination, cancellation and nonrenewal of homeowners insurance policies.

 (a) The declination, cancellation or nonrenewal of a homeowners insurance policy is prohibited if the declination, cancellation or nonrenewal is based solely on any loss incurred as a result of one or more catastrophic events, as declared by a nationally recognized catastrophe loss index provider. For the purposes of this section, an insurer shall not be deemed to have declined, cancelled or nonrenewed a policy if coverage is available through an affiliated insurer.(b) The declination or nonrenewal of a homeowners insurance policy, the addition of a surcharge or any increase in the premium of such policy is prohibited if the declination, nonrenewal, surcharge or increase is based solely on any claim filed on the covered property while such property was owned by anyone other than the current applicant or insured, unless the risk from which such claim originated has not been mitigated.(c) The cancellation or nonrenewal of a homeowners insurance policy or an increase in the premium of such policy is prohibited if the cancellation, nonrenewal or increase is based solely on inquiries made on such policy or a claim filed under such policy that resulted in a loss coverage payment by the insurer of less than five hundred dollars or in no loss coverage payment. Such prohibition shall not apply if the insured filed more than one claim resulting from a noncatastrophic event in the three policy years immediately preceding that resulted in any loss coverage payment by the insurer.(P.A. 13-138, S. 2; P.A. 14-175, S. 2.)History: P.A. 14-175 amended Subsec. (a) to change “a loss incurred as a result of a catastrophic event” to “any loss incurred as a result of one or more catastrophic events,”.
CT Gen Stat § 38a-316e (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-316e - Matching of adjacent items under real property covered loss.

 (a) When a covered loss for real property requires the replacement of an item or items and the replacement item or items do not match adjacent items in quality, color or size, the insurer shall replace all such items with material of like kind and quality so as to conform to a reasonably uniform appearance. This provision shall apply to interior and exterior covered losses.(b) Nothing in this subsection shall be construed to impose liability on an insurer as a warrantor of any work performed pursuant to this subsection.(c) Nothing in this subsection shall be construed to authorize or preclude enforcement of policy provisions relating to settlement disputes.(P.A. 13-138, S. 1.)
CT Gen Stat § 38a-316f (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-316f - Flood insurance coverage offering.

 An insurer licensed to write homeowners or commercial property insurance in this state may offer flood insurance coverage for one-to-four unit owner-occupied residential real property or commercial property, as applicable, on a less than state-wide basis as selected by the insurer.(P.A. 14-175, S. 5.)History: P.A. 14-175 effective June 11, 2014.
CT Gen Stat § 38a-317. (Formerly Sec. 38-114g) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-317. (Formerly Sec. 38-114g) - Owner of mobile home eligible for homeowners policy.

 An owner of a mobile home shall be a homeowner for purposes of sections 38a-72, 38a-73, 38a-285, 38a-305 to 38a-318, inclusive, 38a-328, 38a-663 to 38a-696, inclusive, 38a-827 and 38a-894 to 38a-898, inclusive, and homeowners policies as regulated under said sections shall be offered on the same terms to such an owner as to other homeowners, when such owner of a mobile home owns and occupies a mobile dwelling equipped for year-round living that is permanently attached to a permanent foundation on property owned or leased by such owner of a mobile home, is connected to utilities, is assessed as real property on the tax list of the town in which it is located and is in conformance with applicable state and local laws and ordinances.(1971, P.A. 481; P.A. 73-616, S. 35; P.A. 01-174, S. 7; P.A. 02-89, S. 79; P.A. 07-77, S. 4; P.A. 10-32, S. 119; P.A. 14-123, S. 23.)History: P.A. 73-616 added reference to chapter 682a; Sec. 38-114g transferred to Sec. 38a-317 in 1991; P.A. 01-174 substituted reference to Sec. 38a-696 for Sec. 38a-697 and made technical changes, including changes for the purpose of gender neutrality; P.A. 02-89 deleted reference to Sec. 38a-286, reflecting repeal of said section by the same public act; P.A. 07-77 included Secs. 38a-316a to 38a-316c within scope of section, effective May 30, 2007; P.A. 10-32 substituted “owner of a mobile home” for “mobile homeowner”, effective May 10, 2010; P.A. 14-123 replaced reference to Secs. 38a-72 to 38a-75 with reference to Secs. 38a-72 and 38a-73, and made a technical change, effective June 6, 2014.
CT Gen Stat § 38a-319. (Formerly Sec. 38-31) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-319. (Formerly Sec. 38-31) - Agreement of indemnification for injury from future accident to constitute contract.

 Any agreement in any form, which in effect provides for the indemnification of one person by another for injurious results to property from a future accident or other contingency, shall, to the extent of such provision for indemnification, constitute a contract of insurance within the meaning of the statutes concerning insurance, whether such indemnification is agreed to be by means of a money payment or by means of repair to or replacement of the property injured or any part thereof or by means of any work to be done upon such property; but the provisions of this section shall not apply to an agreement of any seller with a purchaser, guaranteeing workmanship and materials in connection with the sale of such property.(1949 Rev., S. 6090.)History: Sec. 38-31 transferred to Sec. 38a-319 in 1991.
CT Gen Stat § 38a-320. (Formerly Sec. 38-31a) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-320. (Formerly Sec. 38-31a) - Home warranty contract or home warranty service agreement. Definition. Constitutes insurance contract.

 (a) As used in this section, “home warranty contract” or “home warranty service agreement” means any agreement in which any person, firm, corporation or association promises or agrees to repair or replace any structural component of a single or multiple-family dwelling of four or less units, necessitated by (1) wear and tear, (2) deterioration or inherent defect, (3) failure of an inspection to detect the likelihood of wear and tear, deterioration or such defect, or (4) substandard material or workmanship. The provisions of this subsection shall not apply to an agreement of any seller with a purchaser, guaranteeing workmanship and materials in connection with the sale of such property.(b) A home warranty contract or home warranty service agreement as defined in subsection (a) of this section shall constitute a contract of insurance within the meaning of section 38a-319.(P.A. 80-228, S. 1, 2; P.A. 81-314, S. 2, 4; P.A. 97-48.)History: P.A. 81-314 replaced reference to Sec. 38-72(a) with reference to Sec. 38-72(b); Sec. 38-31a transferred to Sec. 38a-320 in 1991; P.A. 97-48 amended Subsec. (a) by deleting reference to appliances, or systems or parts thereof, adding Subdiv. (4) re substandard material or workmanship and making technical changes.
CT Gen Stat § 38a-322. (Formerly Sec. 38-185v) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-322. (Formerly Sec. 38-185v) - Binders for personal and commercial risk insurance.

 Binders or other contracts for temporary insurance may be made, orally or in writing, for a period which shall not exceed sixty days, and shall be deemed to include all the terms and applicable endorsements, approved by the commissioner, as are designated in the policy to which the binder applies. The clause of such policy specifying the hour of the day at which the insurance shall commence may be superseded by the express terms of such contract of temporary insurance. The provisions of this section shall apply to any insurance policy which is subject to the provisions of sections 38a-663 to 38a-696, inclusive, except standard fire insurance policies and automobile liability insurance policies.(P.A. 85-55; P.A. 89-48, S. 3; P.A. 01-174, S. 8.)History: P.A. 89-48 increased to 60 the number of days a binder may be effective; Sec. 38-185v transferred to Sec. 38a-322 in 1991; P.A. 01-174 substituted reference to Sec. 38a-696 for Sec. 38a-697.
CT Gen Stat § 38a-322a (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-322a - Certificate of insurance. Prohibitions. Investigation.

 (a) As used in this section, “certificate of insurance” means a document or instrument that is prepared or issued by an insurer or insurance producer as evidence of personal risk insurance or commercial risk insurance, as both terms are defined in section 38a-663, that is issued on property, operations or risks located in this state. “Certificate of insurance” does not include an insurance policy, a binder, an endorsement or an automobile insurance identification or information card.(b) No person shall (1) prepare, deliver or issue for delivery a certificate of insurance that contains false or misleading information about the coverage provided by the referenced insurance policy, (2) prepare the alteration or amendment of a certificate of insurance or deliver or issue for delivery a new certificate of insurance unless such alteration, amendment or new certificate accurately reflects the provisions of the referenced insurance policy, or (3) represent that (A) a certificate of insurance confers new or additional rights to any person beyond those provided for in the referenced insurance policy, or (B) amending such certificate will alter, amend or extend the coverage provided by the referenced insurance policy.(c) No certificate of insurance shall warrant that the referenced insurance policy complies with the insurance or indemnification requirements of a contract. The inclusion of a contract number or contract description on a certificate of insurance shall not be construed as making such a warranty.(d) No person shall prepare, issue, demand or require, in addition to or in lieu of a certificate of insurance, an opinion letter or other document or correspondence that is inconsistent with the provisions of this section, except that an insurer or insurance producer may prepare or issue an addendum to a certificate of insurance that clarifies and explains the coverage provided by the referenced insurance policy and that otherwise complies with the provisions of this section.(e) No person shall request or require another person to perform any act that violates the provisions of subsection (b) of this section.(f) The commissioner may conduct an investigation, pursuant to section 38a-16, of any person the commissioner reasonably believes has violated or is engaged in a violation of any provision of this section.(P.A. 14-74, S. 1; P.A. 15-118, S. 40.)History: P.A. 15-118 made a technical change in Subsec. (f).
CT Gen Stat § 38a-323b (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-323b - Written notice of personal risk claim denial. Notice to include Insurance Department contact information.

 Each insurer, or designee of an insurer, that denies a claim under a personal risk insurance policy issued in this state shall provide the insured with written notice of the denial. The written notice shall include the following statement, which shall appear in the final paragraph of the notice in not less than twelve point type: “If you do not agree with this decision, you may contact the Division of Consumer Affairs within the Insurance Department”. The notice shall include the address and toll-free telephone number for the division and the Insurance Department's Internet web site address. As used in this section, “personal risk insurance” has the same meaning as provided in section 38a-663.(P.A. 03-55, S. 1; P.A. 17-15, S. 25.)History: P.A. 03-55 effective January 1, 2004; P.A. 17-15 made technical changes.
CT Gen Stat § 38a-323c (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-323c - Notice of late fee amount and applicability re personal risk insurance policies.

 Each insurer that assesses a fee for late payment of premium on a policy for personal risk insurance, as defined in section 38a-663, shall indicate the amount and applicability of the fee in a conspicuous manner on the bill sent to the policyholder.(P.A. 05-162, S. 1.)History: P.A. 05-162 effective January 1, 2006.
CT Gen Stat § 38a-325 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-325 - Notice of cancellation or discontinuation of professional liability insurance to covered employees.

 (a) Any individual, partnership, corporation, or unincorporated association providing professional liability insurance coverage for its employees shall furnish each insured employee, upon cancellation or discontinuation of such professional liability insurance, notice of the cancellation or discontinuation of such insurance. Such notice shall be mailed or delivered to the insured employee not less than forty-five days next preceding the effective date of cancellation or discontinuation. This section shall apply to any such individual, partnership, corporation or unincorporated association which substitutes one policy providing such professional liability insurance coverage for another such policy with no interruption in coverage.(b) If any individual, partnership, corporation, or unincorporated association fails to furnish notice pursuant to subsection (a) of this section, the individual or entity shall be liable for benefits to the same extent as the professional liability insurer would have been liable if coverage had not been cancelled or discontinued.(c) For the purposes of this section, “professional liability insurance” shall be construed as defined in regulations adopted by the commissioner pursuant to subsection (b) of section 38a-393.(P.A. 90-63; P.A. 91-406, S. 8, 29.)History: P.A. 91-406 substituted “professional liability insurance” for “professional” in Subsec. (c).