reglab/housing_qa huggingface dataset:
WI Stat § 630.10 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 630 - General public policy provisions applicable to insurers and others.|630.10 - Lobbying.

630.10  Lobbying. Subchapter III of ch. 13 applies to all persons subject to regulation under chs. 600 to 655.History:  1979 c. 102; 1981 c. 314; 1989 a. 187 s. 29.Legislative Council Note, 1979: This section provides a convenient cross-reference to the laws regulating lobbying generally and makes clear that it applies to persons regulated under the insurance code.It replaces s. 610.57 which applied only to life insurance companies. Section 610.57 has been a part of the statutes since passage of ch. 131, laws of 1907. It has been largely ignored in the belief that the general lobbying laws applied to insurance companies and others concerned with insurance matters, especially since adoption of ch. 609, laws of 1947, creating ss. 13.60 to 13.73. [Bill 146-S]
WI Stat § 630.15 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 630 - General public policy provisions applicable to insurers and others.|630.15 - Prohibited relationships between life insurers and funeral directors or cemeteries.

630.15  Prohibited relationships between life insurers and funeral directors or cemeteries. No life insurer may invest directly in or, except as a loan secured by a mortgage on real estate or as a policy loan, lend money to a funeral director or cemetery or any association of funeral directors or cemeteries. No funeral director or cemetery or association of funeral directors or cemeteries may control a life insurer.History:  1979 c. 102.
WI Stat § 631.02 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.02 - Definition.

631.02  Definition. “Interest of the insured," when used in an insurance policy, includes the interest of the named insured and of any other person with whom the named insured holds the insured property in joint tenancy or as marital property. History:  1979 c. 102; 1983 a. 186; 2015 a. 196.
WI Stat § 631.03 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.03 - Insurance in mutuals.

631.03  Insurance in mutuals. Any mutual under ch. 611 or 612 and any service corporation under ch. 613 may issue policies to any public or private corporation, board or association or to any unit of government, in any place in this state or elsewhere where it is authorized to do an insurance business. Any public or private corporation, board or association or unit of government in this state that is authorized to acquire insurance may make applications, enter into agreements for and hold policies in any mutual insurer or service corporation authorized under ch. 611, 612, 613 or 618.History:  1975 c. 375.
WI Stat § 631.05 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.05 - Oral contracts of insurance and binders.

631.05  Oral contracts of insurance and binders. No provision of chs. 600 to 646 and 655 may be interpreted to forbid an oral contract of insurance or issuance of a written binder. The insurer shall issue a policy as soon as reasonably possible after issuance of any binder or negotiation of an oral contract.History:  1975 c. 375; 1979 c. 89; 1989 a. 187 s. 29.
WI Stat § 631.08 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.08 - Mistakes in contracts.

631.08  Mistakes in contracts. (1) General. Except as otherwise provided in chs. 600 to 646 and 655, general contract law applies to mistakes in insurance contracts. (2)  Person to whom proceeds payable in property insurance. Mistake in designating the person to whom the insurance is payable in a policy of property insurance does not void the policy nor constitute a defense for the insurer unless the mistake was due to misrepresentation or concealment by the owner of the property or someone representing the owner in procuring the policy, or unless the company would not have issued or continued the policy if it had known the truth.History:  1975 c. 375, 421; 1979 c. 89; 1989 a. 187 s. 29.
WI Stat § 631.09 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.09 - Knowledge and acts of agents.

631.09  Knowledge and acts of agents. (1) Imputation of knowledge. An insurer is deemed to know any fact material to the risk or which breaches a condition of the policy, if the agent who bound the insurer or issued the policy or transmitted the application to the insurer knew it at the time the agent acted, or if thereafter any of the insurer's agents with whom the policyholder is then dealing as agent of the insurer learns it in the course of the agent's dealing with the policyholder, and knows that it pertains to a policy written by the insurer. (2)  Acts of agent. A failure by any policyholder or insured to perform an act required to perfect his or her rights under the policy, or failure to perform the act in the time and manner prescribed, does not affect the insurer's obligations under the policy if the failure was caused by an act, statement or representation or omission to perform a duty by an agent of the insurer who has apparent authority, whether or not the agent was within the actual scope of the agent's authority. (3)  Effect of notice to agent. Notice given by or on behalf of the policyholder or insured to any authorized agent of the insurer with particulars sufficient to identify the policy is notice to the insurer. (4)  Collusion. Subsections (1) and (2) do not apply if the agent and the policyholder or insured acted in collusion to deceive or defraud the insurer, or if the policyholder or insured knew the agent was acting beyond the scope of the agent's authority. (5)  Group policyholder not agent. No person is an agent of an insurer merely because the person is a policyholder of a group insurance policy. (6)  Liability under common law. This section does not diminish any liability of the insurer that would exist under common law.History:  1975 c. 375, 421.Absent proof that an agent knew, or should have known, of financial problems of a reinsurer from whom the agent procured insurance, the agent is not liable when the reinsurer later becomes insolvent. Master Plumbers Mut. Liab. v. Cormany & Bird, 79 Wis. 2d 308, 255 N.W.2d 533 (1977).When an insured elected to have open heart surgery after an agent indicated that the insurer would probably pay the bills, that action was sufficient reliance to estop the insurer from denying coverage. Nolden v. Mutual Benefit Life Insurance Co., 80 Wis. 2d 353, 259 N.W.2d 75 (1977).
WI Stat § 631.13 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.13 - Incorporation by reference.

631.13  Incorporation by reference. No insurance contract may contain any agreement or incorporate any provision not fully set forth in the policy or in an application or other document attached to and made a part of the policy at the time of its delivery except that: (1)  Rates. Any policy may by reference incorporate rate schedules and classifications of risks and short-rate tables filed with the commissioner; and (2)  Complex contracts. By rule or order or by approval of a form the commissioner may authorize for complex contracts incorporation by reference of provisions for administrative arrangements, premium schedules and payment procedures.History:  1975 c. 375.
WI Stat § 631.15 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.15 - Contract rights under noncomplying policies.

631.15  Contract rights under noncomplying policies. (1) Enforcement of policy terms. Except as otherwise specifically provided by statute, a policy is enforceable against the insurer according to its terms, even if it exceeds the authority of the insurer. (3m)  Enforcement of statute and rule requirements. A policy that violates a statute or rule is enforceable against the insurer as if it conformed to the statute or rule. (4)  Reformation of contract. Upon written request of the policyholder or an insured whose rights under the policy are continuing and not transitory, an insurer shall reform and reissue its written policy to comply with the requirements of the law existing at the date of issue or last renewal of the policy.History:  1975 c. 375; 1987 a. 247.When uninsured motorist coverage in the amount of $25,000 was contracted for, in violation of the requirement for $50,000 coverage under s. 632.32 (4m) (d), the higher level of coverage was read into the policy under sub. (3m), even though it was not reflected in the premium paid. Brunson v. Ward, 2001 WI 89, 245 Wis. 2d 163, 629 N.W.2d 140, 98-3002.
WI Stat § 631.17 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.17 - Written reason for coverage denial.

631.17  Written reason for coverage denial. (1) In this section, “disability insurance policy" has the meaning given in s. 632.895 (1) (a). (2) An insurer that denies coverage under an individual or group life or disability insurance policy or a certificate of group life or disability insurance shall advise the applicant or proposed insured in writing of the reasons for the denial.History:  1999 a. 95.
WI Stat § 631.21 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.21 - Explicit approval required.

631.21  Explicit approval required. (1) Required approval. Despite filing or general approval of a form under s. 631.20, the following clauses may not be used even if contained in the form unless the commissioner gives explicit approval to them:(a)  Expeditious notice. Clauses requiring more expeditious notice than 1st class mail, as provided in s. 631.81 (2).(c)  Reinstatement fees. A schedule of reinstatement fees under s. 632.74, if made a part of the policy. Such a schedule need not be included in the contract but may be given approval as a separate document specifically made applicable to particular classes of policies. (2)  Effect of failure to obtain explicit approval. If an insurer fails to obtain explicit approval from the commissioner for the clauses under sub. (1), the clauses shall be null and void.History:  1975 c. 375; 1985 a. 280; 2007 a. 168.
WI Stat § 631.22 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.22 - Consumer insurance policy readability.

631.22  Consumer insurance policy readability. (1) In this section “consumer insurance policy" means a life, disability, property or casualty insurance policy, or a certificate or a substitute for a certificate for group life, disability, property or casualty insurance coverage, which is issued to a person for a personal, family or household purpose and a copy of which is customarily, in the insurance industry, delivered or is required by law, rule or agreement to be delivered to the person obtaining insurance coverage. (2) An insurer may provide a consumer insurance policy which is delivered to a person obtaining insurance coverage and is not exempt under sub. (5) only if the consumer insurance policy is coherent, written in commonly understood language, legible, appropriately divided and captioned by its various sections and presented in a meaningful sequence. The commissioner shall promulgate rules establishing standards for the determination of compliance with this subsection. (3) This section does not apply to specific language or format required by state or federal law, rule or regulation. (4) This section applies only to consumer insurance policies delivered on or after the date which is 6 months after May 8, 1980 except the commissioner may provide by rule that this section will not apply to specific types of consumer insurance policies until a later date which is not later than the date which is 2 years after May 8, 1980 if the commissioner determines that delayed application is necessary to prevent an unreasonable burden upon insurers issuing those types of consumer insurance policies. (5) The commissioner may by rule exempt a type of consumer insurance policy from the application of this section if the commissioner finds that type of consumer insurance policy is generally understood by persons to whom it is delivered or that those persons are otherwise adequately protected. (6) A violation of this section does not void or render voidable any portion of an insurance policy and is not a defense to an action under the insurance policy.History:  1979 c. 218.
WI Stat § 631.23 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.23 - Authorized clauses for insurance forms.

631.23  Authorized clauses for insurance forms. (1) Promulgation of clauses. The commissioner may not promulgate mandatory uniform clauses that preclude an insurer from filing its own forms under s. 631.20; the commissioner may only disapprove such forms on the basis of the criteria stated in that section. Subject thereto, the commissioner may promulgate authorized clauses by rule upon a finding that:(a) Price or coverage competition is ineffective because diversity in language or content makes comparison difficult;(b) Provision of language, content or form of specific clauses is necessary to provide certainty of meaning of those clauses;(c) Regulation of contract forms would be more effective or litigation would be substantially reduced if there were increased standardization of certain clauses; or(d) Reasonable minimum standards of insurance protection are needed for policies to serve a useful purpose. (2)  Degree of specificity. Any rule creating an authorized clause may prescribe that to be treated as an authorized clause there must be verbatim or substantial adherence to prescribed language, that certain standards or criteria must be met, or that certain drafting principles must be followed. The rules may also permit liberalization of prescribed language. If the proposed rule prescribed verbatim adherence, the commissioner shall make a finding that substantial adherence to the prescribed language is not sufficient and that liberalization of prescribed language will frustrate the purposes of the prescription. If an insurer uses authorized clauses as part of filed forms the commissioner may only disapprove those clauses under s. 631.20 upon a finding that improper combination of clauses makes them violate the criteria of s. 631.20.History:  1975 c. 375, 421; 1979 c. 221; 2007 a. 168.
WI Stat § 631.24 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.24 - Credit life and disability insurance.

631.24  Credit life and disability insurance. Section 631.20 does not apply to credit life and disability insurance forms which are subject to approval under s. 424.209.History:  1979 c. 102.
WI Stat § 631.27 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.27 - Rules of law as provisions of contracts.

631.27  Rules of law as provisions of contracts. By rule, the commissioner may require an insurer to insert in a policy any rule of law stated in chs. 600 to 646 and 655 that is applicable to the contents or interpretation of an insurance contract.History:  1975 c. 375; 1979 c. 89; 1989 a. 187 s. 29.
WI Stat § 631.28 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.28 - Notice of right to file complaint.

631.28  Notice of right to file complaint. (1) Requirement to provide notice. Every insurer shall provide notice to its policyholders and its insureds of the right to file a complaint with the office in the manner prescribed by rule under sub. (2). (2)  Contents by rule. The commissioner shall promulgate rules specifying the contents of a notice that insurers must disseminate under sub. (1), and when and in what manner the notice must be provided. The rules shall describe how a policyholder, insured or other person may make a complaint with the office about an insurer, an intermediary or other insurance matter. The rules may also specify the form, including the type size, in which insurers must present the notice.History:  1991 a. 154.
WI Stat § 631.31 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.31 - Clauses required to be on first page.

631.31  Clauses required to be on first page. (1) List of clauses. The following clauses of insurance policies shall appear on the first page of the policy:(a)  Corporate name. The name of the insurer as required by s. 631.64;(b)  Several liability. Information that 2 or more insurers undertake only several liability, as required by s. 631.41;(c)  Assessability. That the policy is assessable as required by s. 631.65;(d)  Variable benefits. A statement that benefits are variable, as required by s. 632.45 (1); and(e)  Right to return policy. The right to return a disability insurance policy under s. 632.73, except that this clause may be conspicuously attached to the first page rather than printed on it. (2)  Manner of display. Clauses listed in sub. (1) shall be displayed conspicuously and separately from any other clauses.History:  1975 c. 375; 1981 c. 218.
WI Stat § 631.37 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.37 - Special cancellation provisions.

631.37  Special cancellation provisions. The following cancellation provisions apply to the policies specified, whether or not s. 631.36 is also applicable to them. (1)  Cancellation upon request of premium finance company. Section 138.12 (12) applies to cancellation on request of a premium finance company. (2)  Cancellation upon request of creditor. Section 424.303 applies to cancellation upon request of a creditor. (3)  Worker's compensation insurance. Sections 102.31 (2) and 102.315 (10) apply to the termination of worker's compensation insurance.  (3m)  Health care liability insurance. Section 655.24 (2) (b), (3) and (4) applies to the termination of a health care liability insurance policy. (4)  Special limitations on cancellation.  (a)  School bus insurance. Section 121.53 (4) applies to school bus insurance.(b)  Insurance on common carriers. Section 194.41 (2) applies to insurance on common carriers.(c)  Driver education motor vehicles. Section 341.267 (6) applies to motor vehicles used for driver education.(d)  Insurance of juveniles. Section 343.15 (4) (a) applies to motor vehicle policies covering juveniles as described therein.(e)  Motor vehicle liability policy. Section 344.34 applies to motor vehicle liability policies certified under s. 344.31.(f)  Health care liability policy. Section 655.25 applies to insurance issued by the mandatory health care liability risk-sharing plan established under s. 619.04.(g)  Warranty reimbursement insurance policy. Section 632.185 (2) (e) applies to warranty reimbursement insurance policies. History:  1979 c. 102 ss. 165, 166; 1985 a. 83; 1989 a. 187; 1991 a. 315; 1993 a. 363; 2003 a. 302; 2007 a. 185; 2009 a. 245.
WI Stat § 631.39 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.39 - Renewals in affiliates.

631.39  Renewals in affiliates. (1) Scope. This section applies to property and casualty lines of insurance, excluding disability insurance, as defined in s. 645.675 (1) (h). (2)  Renewal requirements. An insurer may renew a policy in an affiliate without having to comply with s. 102.31 (2) (a) or 631.36 (4) or s. INS 21.01 (6), Wis. Adm. Code, if all of the following are satisfied:(a) All of the stock of, interest in, or control of the affiliate is held by one or more persons in the same insurance holding company system, as defined in s. 622.03 (2), that includes the insurer.(b) The affiliate holds a valid certificate of authority in this state for the kind of business necessary to write the policy being renewed.(c) If the policy renewed in the affiliate contains terms and conditions, except for the rates and rating plan, that are less advantageous to the policyholder than the policyholder's current policy, the insurer complies with the requirements of s. 631.36 (5).(d) The insurer provides notice to the policyholder at least 60 days before the renewal date that the policy will be renewed in an affiliate.(e) The notice under par. (d) includes or states all of the following information:1. The name and contact information of the company in which the policy will be renewed and that it is affiliated with the insurer.2. That there will be no interruption of coverage.3. That the premium for the renewal policy will be determined according to the rates and rating plan of the affiliate.4. If the policy currently held by the policyholder is written by a mutual company and will be renewed in an affiliate that is a stock insurance company, that the policy will be renewed in an affiliate that is a stock insurance company and the policyholder will no longer have the rights that are granted to a mutual policyholder.5. The A.M. Best or similar rating of the affiliate, if that rating is lower than the current A.M. Best or similar rating of the insurer.6. If the amount of the premium for the policy after it is renewed in the affiliate will increase 25 percent or more from the amount of the premium prior to being renewed in the affiliate, notice of the increased premium.(f) If the policy is a worker's compensation insurance policy under ch. 102, the insurer provides notice to the department of workforce development at least 60 days prior to renewal of the policy in an affiliate notifying the department of the name of the affiliate in which the policy is to be renewed. (3)  Applicability of other law. Sections 611.78 and 618.32 do not apply to renewals under this section.History:  2017 a. 241.
WI Stat § 631.41 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.41 - Policies jointly issued.

631.41  Policies jointly issued. Two or more insurers may together issue a policy in which their liability is either several or joint and several. If it is several, the heading of the policy shall conspicuously so state and the policy shall conspicuously state the proportion or amount of premium to be paid to each insurer and the type and the proportion or amount of liability each insurer agrees to assume.History:  1975 c. 375.
WI Stat § 631.45 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 631 - Insurance contracts generally.|631.45 - Limitations on loss to be borne by insurer.

631.45  Limitations on loss to be borne by insurer. (1) General. An insurance policy indemnifying an insured against loss may by clear language limit the part of the loss to be borne by the insurer to a specified or determinable maximum amount, to loss in excess of a specified or determinable amount, to a specified percentage of the loss, which may vary with the amount of the loss, or by a combination of these methods. If the policy covers various risks, different limitations may be provided separately for each risk if the policy clearly so states. (2)  Property coinsurance. A policy indemnifying an insured against loss of or damage to property may limit the part of the loss to be borne by the insurer to a percentage of the total loss that corresponds to the ratio of the insured sum to a specified percentage of the value of the insured property.History:  1975 c. 375.Public policy does not prohibit insurance coverage for statutorily imposed multiple damages. Cieslewicz v. Mutual Service Casualty Insurance Co., 84 Wis. 2d 91, 267 N.W.2d 595 (1978).Under the facts of the case, the insurer's tender of the policy limits into court did not relieve the insurer of its duty to defend the insured in the lawsuit. Gross v. Lloyds of London Insurance Co., 121 Wis. 2d 78, 358 N.W.2d 266 (1984).Although a policy's limit of liability language has been held invalid under s. 631.43 for the purpose of preventing stacking, it is still valid for determining each policy's limit of liability. Schaefer v. General Cas. Co., 175 Wis. 2d 80, 498 N.W.2d 859 (Ct. App. 1993).