reglab/housing_qa huggingface dataset:
NE Code § 44-8502 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-8502 - Terms, defined.

44-8502.  Terms, defined.For purposes of the Portable Electronics Insurance Act:(1) Customer means a person who purchases portable electronics;(2) Covered customer means a customer who elects coverage pursuant to a portable electronics insurance policy issued to a vendor of portable electronics;(3) Director means the Director of Insurance;(4) Location means any physical location in this state or any website, call center, or other site or similar location to which Nebraska customers may be directed;(5) Portable electronics means any nonstationary electronic equipment and its accessories capable of communications or data processing or utility including, but not limited to, a laptop, a tablet, a wearable computer, a personal communications device such as a cellular or mobile telephone, a hand-held smart phone, a media player, an e-reader, a personal digital assistant, devices used for data collection, global positioning, or monitoring, and other devices that may or may not incorporate wireless transmitters and receivers. Portable electronics does not include telecommunications switching equipment, transmission wires, cellular site transceiver equipment, or other equipment or system used by a telecommunications company to provide telecommunications service to consumers;(6)(a) Portable electronics insurance means insurance that provides coverage for the repair or replacement of portable electronics and may provide coverage for portable electronics that are lost, stolen, damaged, or inoperable due to mechanical failure or malfunction or suffer other similar causes of loss; and(b) Portable electronics insurance does not include:(i) A service contract under the Motor Vehicle Service Contract Reimbursement Insurance Act;(ii) A service contract or extended warranty providing coverage as described in subdivision (2) of section 44-102.01;(iii) A policy of insurance providing coverage for a seller's or manufacturer's obligations under a warranty; or(iv) A homeowner's, renter's, private passenger automobile, commercial multiperil, or other similar policy;(7) Portable electronics transaction means the sale or lease of portable electronics by a vendor to a customer or the sale of a service related to the use of portable electronics by a vendor to a customer;(8) Supervising entity means a business entity that is a licensed insurance producer or insurer; and(9) Vendor means a person in the business of engaging in portable electronics transactions directly or indirectly.Source  Laws 2011, LB535, § 2;  Laws 2017, LB306, § 1.  Cross References  Motor Vehicle Service Contract Reimbursement Insurance Act, see section 44-3520.
NE Code § 44-8503 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-8503 - Vendor; limited lines insurance license; issuance; application; contents.

44-8503.  Vendor; limited lines insurance license; issuance; application; contents.(1) A vendor shall hold a limited lines insurance license issued under the Portable Electronics Insurance Act to sell or offer coverage under a policy of portable electronics insurance.(2) The director may issue a limited lines insurance license under the act. Such license shall authorize an employee or authorized representative of a vendor to sell or offer coverage under a policy of portable electronics insurance to a customer at each location at which the vendor engages in a portable electronics transaction.(3) The vendor shall submit an application for a limited lines insurance license pursuant to section 44-8504 to the director, and a list of all locations in this state at which the vendor intends to offer such insurance coverage shall accompany the application. A vendor shall maintain such list and make it available for the director upon request.(4) Notwithstanding any other provision of law, a limited lines insurance license issued under the act shall authorize the vendor and its employees or authorized representatives to engage in the activities permitted by the act.Source Laws 2011, LB535, § 3.
NE Code § 44-8504 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-8504 - Limited lines insurance license; application; contents; period valid; fees.

44-8504.  Limited lines insurance license; application; contents; period valid; fees.(1) An application for a limited lines insurance license shall be made to and filed with the director on forms prescribed and furnished by the director.(2) An application for an initial or a renewal license shall:(a) Provide the name, residence address, and other information required by the director for an employee or authorized representative of the vendor that is designated by the vendor as the person responsible for the vendor's compliance with the Portable Electronics Insurance Act. If the vendor derives more than fifty percent of its revenue from the sale of portable electronics insurance, the information required by this subdivision shall be provided for all persons of record having beneficial ownership of ten percent or more of any class of securities of the vendor registered under federal securities law; and(b) Provide the location of the vendor's home office.(3) Any application for licensure under the act for an existing vendor shall be made within ninety days after the application is made available by the director.(4) An initial license issued pursuant to the act shall be valid for one year and expires on April 30 of each year.(5) Any vendor licensed under the act shall pay an initial license fee to the director in an amount prescribed by the director but not to exceed one hundred dollars and shall pay a renewal fee in an amount prescribed by the director but not to exceed one hundred dollars.Source Laws 2011, LB535, § 4.
NE Code § 44-8505 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-8505 - Brochure or written material; available to customer; contents; certificate of insurance; powers of insurer.

44-8505.  Brochure or written material; available to customer; contents; certificate of insurance; powers of insurer.(1) At each location at which portable electronics insurance is offered to a customer, a brochure or other written material shall be available to the customer which:(a) Discloses the fact that portable electronics insurance may provide a duplication of coverage already provided by a customer's homeowner's insurance policy, renter's insurance policy, or other similar insurance coverage;(b) States that the enrollment by the customer in a portable electronics insurance coverage program is not required in order to purchase or lease portable electronics or services;(c) Summarizes the material terms of the portable electronics insurance, including:(i) The identity of the insurer;(ii) The identity of the supervising entity;(iii) The amount of any applicable deductible and how it is to be paid;(iv) The benefits of the coverage; and(v) The key terms and conditions of the coverage, including whether portable electronics may be repaired or replaced with a similar reconditioned make or model or with nonoriginal manufacturer parts or equipment;(d) Summarizes the process for filing a claim, including a description of how to return the portable electronics and the maximum fee applicable if the customer fails to comply with any equipment return requirements; and(e) States that the customer may cancel enrollment for portable electronics insurance coverage at any time and receive any applicable unearned premium refund on a pro rata basis.(2) Portable electronics insurance may be offered on a month-to-month or other periodic basis as a group or master commercial inland marine policy issued to a vendor for its covered customers. A covered customer who elects to enroll for coverage shall receive a certificate of insurance and an explanation of coverage or instructions on how to obtain such materials upon request.(3) Eligibility and underwriting standards for customers who elect to enroll in portable electronics insurance coverage shall be established by the insurer for each portable electronics insurance program.Source Laws 2011, LB535, § 5.
NE Code § 44-8507 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-8507 - Violations; director; powers; administrative fine.

44-8507.  Violations; director; powers; administrative fine.If a vendor violates any provision of the Portable Electronics Insurance Act, the director may, after notice and a hearing:(1) Revoke or suspend a limited lines insurance license issued under the act;(2) Impose such other penalties, including suspension of the transaction of insurance at specific vendor locations where violations have occurred, as the director deems necessary or convenient to carry out the purposes of the act; and(3) Impose an administrative fine of not more than one thousand dollars per violation or five thousand dollars in the aggregate.Source Laws 2011, LB535, § 7.
NE Code § 44-8508 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-8508 - Insurer; rights; duties; notice; policy; termination; vendor; duties.

44-8508.  Insurer; rights; duties; notice; policy; termination; vendor; duties.Notwithstanding any other provision of law:(1) An insurer may terminate or otherwise change the terms and conditions of a policy of portable electronics insurance only upon providing the vendor and enrolled customers with at least thirty days' notice, except that:(a) An insurer may terminate an enrolled customer's insurance policy upon fifteen days' notice for:(i) Discovery of fraud or material misrepresentation in obtaining coverage or in the presentation of a claim under such policy; or(ii) Nonpayment of premium; or(b) An insurer may immediately terminate an enrolled customer's insurance policy:(i) If the enrolled customer ceases to have active service with the vendor of portable electronics; or(ii) If an enrolled customer exhausts the aggregate limit of liability, if any, under the portable electronics insurance policy and the insurer sends notice of termination to the customer within thirty days after exhaustion of the limit. If such notice is not sent within the thirty-day period, the customer shall continue to be enrolled in such insurance policy notwithstanding the aggregate limit of liability until the insurer sends notice of termination to the customer;(2) If the insurer changes the terms and conditions, the insurer shall provide the vendor with a revised policy or endorsement and each enrolled customer with a revised certificate, endorsement, updated brochure, or other evidence indicating a change in the terms and conditions has occurred and a summary of the material changes;(3) If a portable electronics insurance policy is terminated by a vendor, the vendor shall mail or deliver written notice to each enrolled customer at least thirty days prior to the termination advising the customer of such termination and of the effective date of termination; and(4) If notice is required under this section, it shall be:(a) In writing and may be mailed or delivered to a vendor at the vendor's mailing address and to an enrolled customer at such customer's last-known mailing address on file with the insurer. The insurer or vendor, as applicable, shall maintain proof of mailing in a form authorized or accepted by the United States Postal Service or a commercial mail delivery service; or(b) In electronic form. Disclosure of notice in electronic form to the enrolled customer shall be provided within thirty days after the purchase of the portable electronics. If notice is delivered in electronic form, the insurer or vendor, as applicable, shall maintain proof that the notice was sent.Source  Laws 2011, LB535, § 8;  Laws 2017, LB306, § 2.
NE Code § 44-8509 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-8509 - Records; maintenance.

44-8509.  Records; maintenance.Any records pertaining to transactions under the Portable Electronics Insurance Act shall be kept available and open to inspection by the director or his or her representatives with notice and during business hours. Records shall be maintained for three years following the completion of transactions under the act.Source Laws 2011, LB535, § 9.
NE Code § 44-8601 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-8601 - Act, how cited.

44-8601.  Act, how cited.Sections 44-8601 to 44-8608 shall be known and may be cited as the Insured Homeowners Protection Act.Source  Laws 2012, LB943, § 1;  Laws 2018, LB743, § 30.
NE Code § 44-8602 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-8602 - Terms, defined.

44-8602.  Terms, defined.For purposes of the Insured Homeowners Protection Act:(1) Residential contractor means a person in the business of contracting or offering to contract with an owner or possessor of residential real estate to:(a) Repair or replace a roof system or perform any other exterior repair, replacement, construction, or reconstruction work on residential real estate;(b) Perform interior or exterior cleanup services on residential real estate;(c) Arrange for, manage, or process the work referred to in subdivision (1)(a) or (b) of this section; or(d) Serve as a representative, agent, or assignee of the owner or possessor of residential real estate;(2) Residential real estate means a new or existing building, including a detached garage, constructed for habitation by at least one but no more than four families; and(3) Roof system means and includes roof coverings, roof sheathing, roof weatherproofing, and insulation.Source  Laws 2012, LB943, § 2;  Laws 2018, LB743, § 31.
NE Code § 44-8603 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-8603 - Contract to be paid from proceeds of property and casualty insurance policy; right to cancel; notice; residential contractor; duties.

44-8603.  Contract to be paid from proceeds of property and casualty insurance policy; right to cancel; notice; residential contractor; duties.(1) A person who has entered into a written contract with a residential contractor to provide goods or services to be paid from the proceeds of a property and casualty insurance policy may cancel the contract prior to midnight on the later of the third business day after the person has (a) entered into the written contract or (b) received written notice from the person's insurer that all or part of the claim or contract is not a covered loss under the insurance policy. Cancellation shall be evidenced by the person giving written notice of the cancellation to the residential contractor at the address of the residential contractor's place of business as stated in the contract. Written notice of cancellation may be given by delivering or mailing a signed and dated copy of the written notice of cancellation to the residential contractor at the address of the residential contractor's place of business as stated in the contract. The notice of cancellation shall include a copy of the written notice from the person's insurer, if applicable, to the effect that all or part of the claim or contract is not a covered loss under the insurance policy. Notice of cancellation given by mail shall be effective upon deposit in the United States mail, postage prepaid, if properly addressed to the residential contractor. Notice of cancellation is not required to be in any particular form and is sufficient if the notice indicates, by any form of written expression, the intent of the insured not to be bound by the contract.(2) Within ten days after a contract to provide goods or services to be paid from the proceeds of a property and casualty insurance policy has been canceled by notification pursuant to this section, the residential contractor shall tender to the person canceling the contract any payments, partial payments, or deposits made by the person and any note or other evidence of indebtedness, except that if the residential contractor has provided any goods or services agreed to by such person in writing to be necessary to prevent damage to the premises, the residential contractor shall be entitled to be paid the reasonable value of such goods or services. Any provision in a contract to provide goods or services to be paid from the proceeds of a property and casualty insurance policy that requires the payment of any fee which is not for such goods or services shall not be enforceable against any person who has canceled a contract pursuant to this section.Source Laws 2012, LB943, § 3.
NE Code § 44-8604 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-8604 - Residential contractor; prohibited acts.

44-8604.  Residential contractor; prohibited acts.A residential contractor shall not promise to rebate any portion of an insurance deductible as an inducement to the sale of goods or services. A promise to rebate any portion of an insurance deductible includes granting any allowance or offering any discount against the fees to be charged or paying an insured or a person directly or indirectly associated with the residential real estate any form of compensation, except for any item of nominal value.Source Laws 2012, LB943, § 4.
NE Code § 44-8605 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-8605 - Post-loss assignment of rights or benefits; requirements; Department of Insurance; duties.

44-8605.  Post-loss assignment of rights or benefits; requirements; Department of Insurance; duties.(1) A post-loss assignment of rights or benefits to a residential contractor under a property and casualty insurance policy insuring residential real estate shall comply with the following:(a) The assignment may authorize a residential contractor to be named as a copayee for the payment of benefits under a property and casualty insurance policy covering residential real estate;(b) The assignment shall be provided to the insurer of the residential real estate within five business days after execution;(c) The assignment shall include a statement that the residential contractor has made no assurances that the claimed loss will be fully covered by an insurance contract and shall include the following notice in capitalized fourteen-point type:YOU ARE AGREEING TO ASSIGN CERTAIN RIGHTS YOU HAVE UNDER YOUR INSURANCE POLICY. WITH AN ASSIGNMENT, THE RESIDENTIAL CONTRACTOR SHALL BE ENTITLED TO PURSUE ANY RIGHTS OR REMEDIES THAT YOU, THE INSURED HOMEOWNER, HAVE UNDER YOUR INSURANCE POLICY. PLEASE READ AND UNDERSTAND THIS DOCUMENT BEFORE SIGNING.THE INSURER MAY ONLY PAY FOR THE COST TO REPAIR OR REPLACE DAMAGED PROPERTY CAUSED BY A COVERED PERIL, SUBJECT TO THE TERMS OF THE POLICY.(d) The assignment shall not impair the interest of a mortgagee listed on the declarations page of the property and casualty insurance policy which is the subject of the assignment; and(e) The assignment shall not prevent or inhibit an insurer from communicating with the named insured or mortgagee listed on the declarations page of the property and casualty insurance policy that is the subject of the assignment.(2) The Department of Insurance shall strictly enforce the provisions of subdivision (13) of section 44-1540, which requires insurers to provide a named insured a reasonable and accurate explanation of the basis for the denial of a claim or an offer of a compromise settlement.Source Laws 2018, LB743, § 32.
NE Code § 44-8606 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-8606 - Residential contractor; furnish itemized description; contents.

44-8606.  Residential contractor; furnish itemized description; contents.Prior to commencement of repair or replacement work, a residential contractor shall furnish the insured and insurer with an itemized description of the work to be done and the materials, labor, and fees for repair or replacement of the damaged residential real estate and the total itemized amount agreed to be paid for the work to be performed, except that the description shall not limit the insured or residential contractor from identifying other goods and services necessary to complete repairs or replacement associated with a covered loss.Source Laws 2018, LB743, § 33.
NE Code § 44-8607 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-8607 - Notice required.

44-8607.  Notice required.Any written contract, repair estimate, or work order prepared by a residential contractor to provide goods or services to be paid from the proceeds of a property and casualty insurance policy shall include the following notice of the prohibition contained in section 44-8604 in capitalized fourteen-point type which shall be signed by the named insured and sent to the named insured's insurer prior to payment of proceeds under the applicable insurance policy:IT IS A VIOLATION OF THE INSURANCE LAWS OF NEBRASKA TO REBATE ANY PORTION OF AN INSURANCE DEDUCTIBLE AS AN INDUCEMENT TO THE INSURED TO ACCEPT A RESIDENTIAL CONTRACTOR'S PROPOSAL TO REPAIR DAMAGED PROPERTY. REBATE OF A DEDUCTIBLE INCLUDES GRANTING ANY ALLOWANCE OR OFFERING ANY DISCOUNT AGAINST THE FEES TO BE CHARGED FOR WORK TO BE PERFORMED OR PAYING THE INSURED HOMEOWNER THE DEDUCTIBLE AMOUNT SET FORTH IN THE INSURANCE POLICY.THE INSURED HOMEOWNER IS PERSONALLY RESPONSIBLE FOR PAYMENT OF THE DEDUCTIBLE. THE INSURANCE FRAUD ACT AND NEBRASKA CRIMINAL STATUTES PROHIBIT THE INSURED HOMEOWNER FROM ACCEPTING FROM A RESIDENTIAL CONTRACTOR A REBATE OF THE DEDUCTIBLE OR OTHERWISE ACCEPTING ANY ALLOWANCE OR DISCOUNT FROM THE RESIDENTIAL CONTRACTOR TO COVER THE COST OF THE DEDUCTIBLE. VIOLATIONS MAY BE PUNISHABLE BY CIVIL OR CRIMINAL PENALTIES.Source Laws 2018, LB743, § 34. Cross References  Insurance Fraud Act, see section 44-6601.
NE Code § 44-8608 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-8608 - Violation of act; void contract.

44-8608.  Violation of act; void contract.A contract entered into with a residential contractor is void if the residential contractor violates any provision of the Insured Homeowners Protection Act.Source Laws 2018, LB743, § 35.
NE Code § 44-8801 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-8801 - Act, how cited.

44-8801.  Act, how cited.Sections 44-8801 to 44-8808 shall be known and may be cited as the Health Insurance Exchange Navigator Registration Act.Source Laws 2013, LB568, § 1.
NE Code § 44-8802 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-8802 - Terms, defined.

44-8802.  Terms, defined.For purposes of the Health Insurance Exchange Navigator Registration Act:(1) Director means the Director of Insurance;(2) Exchange means any health insurance exchange established or operating in this state, including any exchange established or operated by the United States Department of Health and Human Services; and(3) Navigator means any individual or entity, other than an insurance producer or consultant, that receives any funding, directly or indirectly, from an exchange, the state, or the federal government to perform the duties identified in 42 U.S.C. 18031(i)(3), as such section existed on January 1, 2013.Source Laws 2013, LB568, § 2.
NE Code § 44-8803 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-8803 - Navigator; registration required; prohibited acts.

44-8803.  Navigator; registration required; prohibited acts.(1) No individual or entity shall perform, offer to perform, or advertise any service as a navigator in this state unless registered as a navigator by the director.(2) A navigator shall not:(a) Engage in any activities that would require an insurance producer license;(b) Violate section 44-4050;(c) Recommend or endorse a particular health plan;(d) Accept any compensation or consideration from an insurance company, broker, or consultant that is dependent, in whole or in part, on whether a person enrolls in or purchases a qualified health plan; or(e) Fail to respond to any written inquiry from the director regarding the navigator's duties as a navigator or fail to request additional reasonable time to respond within fifteen working days.Source Laws 2013, LB568, § 3.