reglab/housing_qa huggingface dataset:
TX Ins Code § 1954.153 (2021)
2021 Texas Statutes|Insurance Code|Title 10 - Property and Casualty Insurance|Subtitle C - Automobile Insurance|Chapter 1954 - Insurance for Transportation Network Company Drivers|Subchapter D. Personal Automobile Insurance|Section 1954.153. Defense or Indemnification of Claim

Sec. 1954.153.  DEFENSE OR INDEMNIFICATION OF CLAIM.  (a)  An automobile insurer that issues a personal automobile insurance policy that includes an exclusion from coverage authorized by Section 1954.151 does not have a duty to defend or indemnify a claim arising from an event subject to the exclusion.(b)  An automobile insurer that defends or indemnifies a claim against a transportation network company driver for which coverage is excluded under the terms of the policy as authorized by this subchapter has a right of contribution against another insurer that provides automobile insurance to the driver in satisfaction of the coverage requirements under Section 1954.052 or 1954.053, as applicable.|Added by Acts 2015, 84th Leg., R.S., Ch. 742 (H.B. 1733), Sec. 1, eff. January 1, 2016.|
TX Ins Code § 1954.154 (2021)
2021 Texas Statutes|Insurance Code|Title 10 - Property and Casualty Insurance|Subtitle C - Automobile Insurance|Chapter 1954 - Insurance for Transportation Network Company Drivers|Subchapter D. Personal Automobile Insurance|Section 1954.154. Assistance in Claim Investigation

Sec. 1954.154.  ASSISTANCE IN CLAIM INVESTIGATION.  In an insurance claim investigation, a transportation network company and any insurer providing coverage under Subchapter B shall assist each insurer involved in the claim by providing information to directly interested persons and an insurer of the transportation network company driver.  Information provided under this section must include:(1)  the precise times that a driver logged on and off of the transportation network company's digital network in the 12-hour period immediately preceding and the 12-hour period immediately following the accident; and(2)  a clear description of the coverage, exclusions, and limits provided under an automobile insurance policy maintained under Subchapter B.|Added by Acts 2015, 84th Leg., R.S., Ch. 742 (H.B. 1733), Sec. 1, eff. January 1, 2016.|
TX Ins Code § 1954.155 (2021)
2021 Texas Statutes|Insurance Code|Title 10 - Property and Casualty Insurance|Subtitle C - Automobile Insurance|Chapter 1954 - Insurance for Transportation Network Company Drivers|Subchapter D. Personal Automobile Insurance|Section 1954.155. Payment of Certain Claims

Sec. 1954.155.  PAYMENT OF CERTAIN CLAIMS.  If there is a lien on a personal vehicle and the transportation network company's insurer covers a claim arising out of an incident that occurred during a prearranged ride, the insurer shall issue payment for the claim:(1)  directly to the person who is repairing the vehicle; or(2)  jointly to the owner of the personal vehicle and the primary lienholder.|Added by Acts 2015, 84th Leg., R.S., Ch. 742 (H.B. 1733), Sec. 1, eff. January 1, 2016.|
TX Ins Code § 2002.001 (2021)
2021 Texas Statutes|Insurance Code|Title 10 - Property and Casualty Insurance|Subtitle D - Fire Insurance and Allied Lines, Including Residential Property Insurance|Chapter 2002 - Policy Provisions and Forms for Fire Insurance and Allied Lines, Including Residential Property Insurance|Subchapter A. Policy Provisions|Section 2002.001. Policy Form or Endorsement Making Material Change to Policy

Sec. 2002.001.  POLICY FORM OR ENDORSEMENT MAKING MATERIAL CHANGE TO POLICY.  (a)  In this section, "material change" means a change to a policy that, with respect to a prior or existing policy:(1)  reduces coverage;(2)  changes conditions of coverage; or(3)  changes the duties of the insured.(b)  An insurer may not use a policy form or endorsement to a policy form to which Article 5.35, Subchapter B of this chapter, or Subchapter B, Chapter 2301, applies that makes a material change to the policy unless:(1)  the insured requests the material change; or(2)  the insurer provides the policyholder in a written notice an explanation of the material change that:(A)  appears in a conspicuous place on the notice of the material change;(B)  clearly indicates each material change to the policy;(C)  is written in plain language; and(D)  is provided to the policyholder not later than the 30th day before the date on which the policy expires.(c)  Notice required by Subsection (b) may be provided to the policyholder in a notice of renewal.(d)  In addition to the notice to the policyholder provided under Subsection (b), if an insurer elects to make a material change to a policy form or use an endorsement to make a material change to a policy form, not later than the 30th day before the earliest date on which the new policy form or endorsement is used, the insurer shall provide written notice to each agent of the insurer that clearly indicates each material change being made to the policy form.  An insurer may provide the notice to the agents in a single notice given to each agent of the insurer that summarizes substantially similar material changes to more than one policy form.|Added by Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 2, eff. April 1, 2007.Amended by: Acts 2011, 82nd Leg., R.S., Ch. 1018 (H.B. 2655), Sec. 1, eff. September 1, 2011.Acts 2017, 85th Leg., R.S., Ch. 60 (S.B. 417), Sec. 4, eff. September 1, 2017.|
TX Ins Code § 2002.002 (2021)
2021 Texas Statutes|Insurance Code|Title 10 - Property and Casualty Insurance|Subtitle D - Fire Insurance and Allied Lines, Including Residential Property Insurance|Chapter 2002 - Policy Provisions and Forms for Fire Insurance and Allied Lines, Including Residential Property Insurance|Subchapter A. Policy Provisions|Section 2002.002. Lien on Insured Property

Sec. 2002.002.  LIEN ON INSURED PROPERTY.  A provision in an insurance policy issued by an insurer subject to this subtitle or Subchapter C, Chapter 5, is void if the provision states that the encumbrance of the insured property by a lien of any character at the time of or after the policy's issuance renders the policy void.|Added by Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 2, eff. April 1, 2007.|
TX Ins Code § 2002.003 (2021)
2021 Texas Statutes|Insurance Code|Title 10 - Property and Casualty Insurance|Subtitle D - Fire Insurance and Allied Lines, Including Residential Property Insurance|Chapter 2002 - Policy Provisions and Forms for Fire Insurance and Allied Lines, Including Residential Property Insurance|Subchapter A. Policy Provisions|Section 2002.003. Coverages for Spouses and Former Spouses

Sec. 2002.003.  COVERAGES FOR SPOUSES AND FORMER SPOUSES.  A homeowners insurance policy or fire insurance policy promulgated under Article 5.35 or filed and in effect as provided by Subchapter B, Chapter 2301, may not be delivered, issued for delivery, or renewed in this state unless the policy contains the following language:  "It is understood and agreed that this policy, subject to all other terms and conditions contained in this policy, when covering residential community property, as defined by state law, shall remain in full force and effect as to the interest of each spouse covered, irrespective of divorce or change of ownership between the spouses unless excluded by endorsement attached to this policy until the expiration of the policy or until canceled in accordance with the terms and conditions of this policy."|Added by Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 2, eff. April 1, 2007.|
TX Ins Code § 2002.004 (2021)
2021 Texas Statutes|Insurance Code|Title 10 - Property and Casualty Insurance|Subtitle D - Fire Insurance and Allied Lines, Including Residential Property Insurance|Chapter 2002 - Policy Provisions and Forms for Fire Insurance and Allied Lines, Including Residential Property Insurance|Subchapter A. Policy Provisions|Section 2002.004. Jewelry Coverage

Sec. 2002.004.  JEWELRY COVERAGE.  (a)  In this section, "personal property insurance" means insurance against damage to or loss of tangible personal property, including coverage provided in a homeowners insurance policy, residential fire and allied lines insurance policy, or farm and ranch owners insurance policy.(b)  This section applies to each insurer that provides personal property insurance in this state, including a county mutual insurance company, farm mutual insurance company, Lloyd's plan, and reciprocal or interinsurance exchange.(c)  An insurer that provides personal property insurance coverage in this state for jewelry may elect to pay either:(1)  the stated value of the jewelry item; or(2)  the actual cost of replacing the jewelry item with one of like kind and quality.|Added by Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 2, eff. April 1, 2007.|
TX Ins Code § 2002.005 (2021)
2021 Texas Statutes|Insurance Code|Title 10 - Property and Casualty Insurance|Subtitle D - Fire Insurance and Allied Lines, Including Residential Property Insurance|Chapter 2002 - Policy Provisions and Forms for Fire Insurance and Allied Lines, Including Residential Property Insurance|Subchapter A. Policy Provisions|Section 2002.005. Coinsurance Clauses

Sec. 2002.005.  COINSURANCE CLAUSES.  (a)  Except as otherwise provided by this section, an insurer subject to this subtitle or Subchapter C, Chapter 5, may not issue an insurance policy or contract covering property in this state that contains a clause that:(1)  requires the insured to obtain or maintain a larger amount of insurance than expressed in the policy or contract; or(2)  in any way provides that the insured is liable as a coinsurer with the insurer issuing the policy or contract for any part of the loss or damage that may be caused by fire to the property described in the policy or contract.(b)  A clause described by Subsection (a) is void.(c)  A coinsurance clause may be included in an insurance policy written on cotton, grain, or other products in the process of marketing, shipping, storing, or manufacturing.(d)  An insured may be given an option to accept an insurance policy or contract that contains a clause described by Subsection (a) covering a class of property other than the property described by Subsection (c), a private dwelling, or a stock of merchandise offered for sale at retail that has a value of less than $10,000, if the insured is allowed a reduction in the premium rate for the policy or contract. A clause to which this subsection applies is valid and binding. The commissioner may promulgate the premium rates that apply to a coinsurance clause under this subsection.(e)  The commissioner by order may authorize or require the use of any form of coinsurance clause in connection with an insurance policy that insures against the hazards of tornado, windstorm, and hail on any class of property. The commissioner may adopt rules with reference to:(1)  coinsurance clauses authorized or required by this subsection and the use of those clauses; and(2)  credits in premium rates for the use of coinsurance clauses authorized or required by this subsection.|Added by Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 2, eff. April 1, 2007.|
TX Ins Code § 2002.051 (2021)
2021 Texas Statutes|Insurance Code|Title 10 - Property and Casualty Insurance|Subtitle D - Fire Insurance and Allied Lines, Including Residential Property Insurance|Chapter 2002 - Policy Provisions and Forms for Fire Insurance and Allied Lines, Including Residential Property Insurance|Subchapter B. Policy Forms|Section 2002.051. Policy Forms and Endorsements for Residential Property Insurance

Sec. 2002.051.  POLICY FORMS AND ENDORSEMENTS FOR RESIDENTIAL PROPERTY INSURANCE.  Notwithstanding Subsections (a)-(j), Article 5.35, policy forms and endorsements for residential property insurance in this state are regulated under Subchapter A, Chapter 2301, and Article 5.13-2.|Added by Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 2, eff. April 1, 2007.|
TX Ins Code § 2002.052 (2021)
2021 Texas Statutes|Insurance Code|Title 10 - Property and Casualty Insurance|Subtitle D - Fire Insurance and Allied Lines, Including Residential Property Insurance|Chapter 2002 - Policy Provisions and Forms for Fire Insurance and Allied Lines, Including Residential Property Insurance|Subchapter B. Policy Forms|Section 2002.052. Applicability of Other Law to Residential Property Insurance

Sec. 2002.052.  APPLICABILITY OF OTHER LAW TO RESIDENTIAL PROPERTY INSURANCE.  An insurer may continue to use a policy form or endorsement promulgated, approved, or adopted by the commissioner under Article 5.35 before June 11, 2003, on notification in writing to the commissioner that the insurer will continue to use the policy form or endorsement.|Added by Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 2, eff. April 1, 2007.|
TX Ins Code § 2002.101 (2021)
2021 Texas Statutes|Insurance Code|Title 10 - Property and Casualty Insurance|Subtitle D - Fire Insurance and Allied Lines, Including Residential Property Insurance|Chapter 2002 - Policy Provisions and Forms for Fire Insurance and Allied Lines, Including Residential Property Insurance|Subchapter C. Items Provided in Connection With Insurance Policy|Section 2002.101. Rate Analysis

Sec. 2002.101.  RATE ANALYSIS.  (a)  On issuing a fire insurance policy, an insurer engaged in the business of fire insurance in this state shall provide the policyholder with a written analysis of the rate or premium charged for the policy showing the items of charge and credit that determine the rate or premium.(b)  Subsection (a) does not apply if the insurer has previously provided the policyholder with an analysis of the rate or premium.|Added by Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 2, eff. April 1, 2007.|
TX Ins Code § 2002.102 (2021)
2021 Texas Statutes|Insurance Code|Title 10 - Property and Casualty Insurance|Subtitle D - Fire Insurance and Allied Lines, Including Residential Property Insurance|Chapter 2002 - Policy Provisions and Forms for Fire Insurance and Allied Lines, Including Residential Property Insurance|Subchapter C. Items Provided in Connection With Insurance Policy|Section 2002.102. Notice of Renewal

Sec. 2002.102.  NOTICE OF RENEWAL.  (a)  In this section, "material change" means a change to a policy that, with respect to a prior or existing policy:(1)  reduces coverage;(2)  changes conditions of coverage; or(3)  changes the duties of the policyholder.(b)  An insurer, including a farm mutual insurance company, county mutual insurance company, Lloyd's plan, or reciprocal or interinsurance exchange, that renews a homeowners insurance policy, fire and residential allied lines insurance policy, farm and ranch owners insurance policy, or farm and ranch insurance policy must provide the policyholder with written notice in accordance with this section of any material change in each form of the policy offered to the policyholder on renewal from the form of the policy held immediately before renewal.(c)  A notice provided under this section must:(1)  appear in a conspicuous place in the notice of renewal;(2)  clearly indicate each material change to the policy being made on renewal;(3)  be written in plain language; and(4)  be provided to the policyholder not later than the 30th day before the renewal date.(d)  In addition to the notice to the policyholder provided under this section, if an insurer elects to make a material change to a policy form on renewal, not later than the 30th day before the earliest renewal date on which the new policy form is used, the insurer shall provide written notice to each agent of the insurer that clearly indicates each material change being made to the policy form.  An insurer may provide the notice to the agents in a single notice given to each agent of the insurer that summarizes substantially similar material changes to more than one policy form.(e)  The commissioner may adopt rules as necessary to implement this section.|Added by Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 2, eff. April 1, 2007.Amended by: Acts 2017, 85th Leg., R.S., Ch. 60 (S.B. 417), Sec. 6, eff. September 1, 2017.|
TX Ins Code § 2002.103 (2021)
2021 Texas Statutes|Insurance Code|Title 10 - Property and Casualty Insurance|Subtitle D - Fire Insurance and Allied Lines, Including Residential Property Insurance|Chapter 2002 - Policy Provisions and Forms for Fire Insurance and Allied Lines, Including Residential Property Insurance|Subchapter C. Items Provided in Connection With Insurance Policy|Section 2002.103. Disclosure Regarding Flood Coverage Required

Sec. 2002.103.  DISCLOSURE REGARDING FLOOD COVERAGE REQUIRED.  (a)  In this section:(1)  "Commercial property insurance" has the meaning assigned by Section 2301.002, except that the term includes a commercial multiperil insurance policy that provides commercial property insurance coverage.(2)  "Residential property insurance" has the meaning assigned by Section 2301.002, except that the term includes a farm and ranch insurance policy and a farm and ranch owners insurance policy.(b)  This section applies to each insurer authorized to engage in the business of commercial or residential property insurance in this state, including a county mutual insurance company, farm mutual insurance company, Lloyd's plan, and reciprocal or interinsurance exchange.(c)  An insurer that issues or renews a commercial or residential property insurance policy that does not provide coverage against loss caused by flooding shall include with the policy documents provided to the policyholder at the time the policy is issued or renewed the following statement:"Flood Insurance:  You may also need to consider the purchase of flood insurance.  Your insurance policy does not include coverage for damage resulting from a flood even if hurricane winds and rain caused the flood to occur.  Without separate flood insurance coverage, you may have uncovered losses caused by a flood.  Please discuss the need to purchase separate flood insurance coverage with your insurance agent or insurance company, or visit www.floodsmart.gov."(d)  The statement described by Subsection (c) must be conspicuous, as defined by Section 1.201, Business & Commerce Code.(e)  An insurer's failure to comply with this section does not invalidate any exclusion, including a flood exclusion, in an insurance policy subject to this section.|Added by Acts 2019, 86th Leg., R.S., Ch. 332 (S.B. 442), Sec. 1, eff. September 1, 2019.|
TX Ins Code § 2003.001 (2021)
2021 Texas Statutes|Insurance Code|Title 10 - Property and Casualty Insurance|Subtitle D - Fire Insurance and Allied Lines, Including Residential Property Insurance|Chapter 2003 - Procedures for Evaluating Fire Loss Risk|Subchapter A. Evaluating Fire Loss Risk|Section 2003.001. Fire Loss Information

Sec. 2003.001.  FIRE LOSS INFORMATION.  (a)  The department shall ascertain as soon as practicable the annual fire loss in this state.(b)  The department shall, in a manner that will aid in determining equitable insurance rates and methods to reduce annual fire loss and insurance rates of this state or subdivisions of this state:(1)  obtain, make, and maintain records regarding the annual fire loss in this state; and(2)  collect data concerning the annual fire loss as necessary to enable the department to classify:(A)  fire losses in this state;(B)  the causes of those fire losses;(C)  the amount of the premiums collected for fire loss for each class of risk; and(D)  the amount paid for the fire losses.(c)  The commissioner may designate one or more advisory organizations or other agencies to gather, audit, and compile the fire loss experience of insurers.  The insurers shall bear the costs incurred under this subsection.(d)  To implement this section, the department may:(1)  employ clerical personnel, inspectors, experts, and other assistants; and(2)  incur other necessary expenses.|Added by Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 2, eff. April 1, 2007.|
TX Ins Code § 2003.002 (2021)
2021 Texas Statutes|Insurance Code|Title 10 - Property and Casualty Insurance|Subtitle D - Fire Insurance and Allied Lines, Including Residential Property Insurance|Chapter 2003 - Procedures for Evaluating Fire Loss Risk|Subchapter A. Evaluating Fire Loss Risk|Section 2003.002. Fire Suppression Ratings for Border Municipalities

Sec. 2003.002.  FIRE SUPPRESSION RATINGS FOR BORDER MUNICIPALITIES.  In assigning or evaluating a fire suppression rating for a municipality at or near the border between this state and another state or the United Mexican States, the commissioner shall consider the existence and capabilities of a fire department or volunteer fire department that:(1)  serves an adjoining or nearby municipality in the other state or the United Mexican States; and(2)  by agreement or by long-standing practice provides fire suppression services to the municipality in this state.|Added by Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 2, eff. April 1, 2007.|
TX Ins Code § 2003.003 (2021)
2021 Texas Statutes|Insurance Code|Title 10 - Property and Casualty Insurance|Subtitle D - Fire Insurance and Allied Lines, Including Residential Property Insurance|Chapter 2003 - Procedures for Evaluating Fire Loss Risk|Subchapter A. Evaluating Fire Loss Risk|Section 2003.003. Credit for Reducing Fire Hazard

Sec. 2003.003.  CREDIT FOR REDUCING FIRE HAZARD.  The commissioner may give a locality, municipality, or other political subdivision credit for:(1)  each fire hazard that the locality, municipality, or other political subdivision reduces or removes;(2)  additional fire-fighting equipment, increased police protection, or any other equipment or improvement that tends to reduce the fire hazard of the locality, municipality, or other political subdivision; and(3)  a good fire record made by the locality, municipality, or other political subdivision.|Added by Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 2, eff. April 1, 2007.|
TX Ins Code § 2003.004 (2021)
2021 Texas Statutes|Insurance Code|Title 10 - Property and Casualty Insurance|Subtitle D - Fire Insurance and Allied Lines, Including Residential Property Insurance|Chapter 2003 - Procedures for Evaluating Fire Loss Risk|Subchapter A. Evaluating Fire Loss Risk|Section 2003.004. Policyholder Credit for Reducing Hazard

Sec. 2003.004.  POLICYHOLDER CREDIT FOR REDUCING HAZARD.  (a)  The commissioner may require an insurer to give credit to a policyholder for a hazard that the policyholder reduces or removes.(b)  For purposes of this section, the following actions constitute a reduction in hazard by a policyholder:(1)  the installation of a new standard fire hydrant approved by the department within the required distance of a risk, as prescribed by the department; or(2)  the use of compressed air foam technology in fire-fighting equipment.(c)  The insurer shall give credit in the proportion that the hazard is reduced or removed and shall refund to the policyholder the proportional part of the unearned premium charged for the hazard that is reduced or removed.|Added by Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 2, eff. April 1, 2007.|
TX Ins Code § 2003.051 (2021)
2021 Texas Statutes|Insurance Code|Title 10 - Property and Casualty Insurance|Subtitle D - Fire Insurance and Allied Lines, Including Residential Property Insurance|Chapter 2003 - Procedures for Evaluating Fire Loss Risk|Subchapter B. Municipal Fire Loss Lists|Section 2003.051. Annual List of Insured Fire Losses by Municipality

Sec. 2003.051.  ANNUAL LIST OF INSURED FIRE LOSSES BY MUNICIPALITY.  (a)  The department shall compile for each municipality in this state a list for distribution to the municipality of the insured fire and lightning losses that:(1)  exceed $100; and(2)  are paid in the municipality for the preceding statistical year under policy forms:(A)  adopted or approved by the commissioner and authorized for use by Section 2301.052(b); or(B)  filed and in effect as provided by Section 2301.052(a).(b)  Each list must include:(1)  the name of each person recovering a loss under a policy form described by Subsection (a);(2)  the address or location where the loss occurred; and(3)  the amount paid by the insurer on the loss.(c)  The department shall develop each list from information obtained from insurer reports of individual losses during the statistical year.|Added by Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 2, eff. April 1, 2007.|