reglab/housing_qa huggingface dataset:
TX Ins Code § 544.156 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter D. Family Violence|Section 544.156. Health Benefit Plan Issuer or Life Insurer Not Liable for Death or Bodily Injury

Sec. 544.156.  HEALTH BENEFIT PLAN ISSUER OR LIFE INSURER NOT LIABLE FOR DEATH OR BODILY INJURY.  A health benefit plan issuer or life insurer that delivers, issues for delivery, or renews a health benefit plan or a life insurance policy or contract for an individual who has been or may become a victim of family violence may not be held civilly or criminally liable for the death of or bodily injuries incurred by that individual as a result of family violence.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 544.157 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter D. Family Violence|Section 544.157. Right to Continued Coverage Unaffected

Sec. 544.157.  RIGHT TO CONTINUED COVERAGE UNAFFECTED.  This subchapter does not affect the right of an individual to continued coverage under Subchapter G, Chapter 1251.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 544.158 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter D. Family Violence|Section 544.158. Unfair or Deceptive Act or Practice

Sec. 544.158.  UNFAIR OR DECEPTIVE ACT OR PRACTICE.  A violation of this subchapter is an unfair or deceptive act or practice under Chapter 541.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 544.201 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter E. Fibrocystic Breast Condition|Section 544.201. Definition

Sec. 544.201.  DEFINITION.  In this subchapter, "health benefit plan issuer" means an insurer, a group hospital service corporation operating under Chapter 842, or a health maintenance organization operating under Chapter 843 that delivers or issues for delivery or renews any health insurance policy or contract in this state, including a group policy, contract, or certificate of health insurance or evidence of coverage.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 544.202 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter E. Fibrocystic Breast Condition|Section 544.202. Prohibition

Sec. 544.202.  PROHIBITION.  A health benefit plan issuer may not, solely or in part because an individual has been diagnosed with or has a history of a fibrocystic breast condition:(1)  deny coverage to the individual;(2)  refuse to renew the individual's coverage;(3)  cancel the individual's coverage;(4)  limit the amount, extent, or kind of coverage available to the individual for any other breast condition;  or(5)  charge the individual or a group to which the individual belongs a rate that is different from the rate charged to other individuals or groups, respectively, for the same coverage.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 544.203 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter E. Fibrocystic Breast Condition|Section 544.203. Unfair or Deceptive Act or Practice

Sec. 544.203.  UNFAIR OR DECEPTIVE ACT OR PRACTICE.  A violation of this subchapter is an unfair or deceptive act or practice under Chapter 541.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 544.204 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter E. Fibrocystic Breast Condition|Section 544.204. Payment for Disease Not Required

Sec. 544.204.  PAYMENT FOR DISEASE NOT REQUIRED.  This subchapter does not require a health benefit plan issuer to pay benefits for fibrocystic breast disease.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 544.251 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter F. Church Property|Section 544.251. Definitions

Sec. 544.251.  DEFINITIONS.  In this subchapter:(1)  "Church" means a facility that is owned by a religious organization and is used primarily for religious services.(2)  "Religious organization" means a church, synagogue, or other organization or association organized primarily for religious purposes.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 544.252 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter F. Church Property|Section 544.252. Applicability of Subchapter

Sec. 544.252.  APPLICABILITY OF SUBCHAPTER.  This subchapter applies to an insurer that is admitted to engage in the business of insurance and authorized to write an insurance policy providing coverage for losses resulting from fire in this state, including a county mutual insurance company, a Lloyd's plan, a reciprocal or interinsurance exchange, or a farm mutual insurance company.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 544.253 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter F. Church Property|Section 544.253. Prohibition

Sec. 544.253.  PROHIBITION.  An insurer writing insurance for a church may not cancel or decline to renew an insurance policy solely because of:(1)  an occurrence of arson against the church, if the religious organization that owns the church cooperated with police, fire, and other authorities in the investigation of the arson and in the prosecution of those responsible for the arson;  or(2)  a verbal or written threat of arson against the church that was directed to the religious organization or an official of the religious organization and that the organization or official reported to the appropriate law enforcement agency within a reasonable amount of time.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 544.254 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter F. Church Property|Section 544.254. Unfair or Deceptive Act or Practice

Sec. 544.254.  UNFAIR OR DECEPTIVE ACT OR PRACTICE.  A violation of this subchapter is an unfair or deceptive act or practice in the business of insurance under Chapter 541.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 544.301 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter G. Mold Claim or Damage|Section 544.301. Definitions

Sec. 544.301.  DEFINITIONS.  In this subchapter:(1)  "Insurer" means an insurance company, reciprocal or interinsurance exchange, mutual insurance company, capital stock company, county mutual insurance company, farm mutual insurance company, Lloyd's plan, or other legal entity authorized to write residential property insurance in this state.  The term includes an affiliate, as described by Section 823.003(a), if that affiliate is authorized to write and is writing residential property insurance in this state.  The term does not include:(A)  an eligible surplus lines insurer regulated under Chapter 981;(B)  the Texas Windstorm Insurance Association under Chapter 2210; or(C)  the FAIR Plan Association under Chapter 2211.(2)  "Mold" means any living or dead fungi or related products or parts, including spores, hyphae, and mycotoxins.(3)  "Mold remediation" means the removal, cleaning, sanitizing, demolition, or other treatment, including preventive activities, of mold or mold-contaminated matter that was not purposely grown at that location.(4)  "Residential property insurance" means insurance against damage to or loss of real or tangible personal property at a fixed location provided in a homeowners insurance policy or residential fire and allied lines insurance policy.|Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.014(a), eff. September 1, 2005.Amended by: Acts 2007, 80th Leg., R.S., Ch. 730 (H.B. 2636), Sec. 2D.011, eff. April 1, 2009.|
TX Ins Code § 544.302 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter G. Mold Claim or Damage|Section 544.302. Applicability of Subchapter

Sec. 544.302.  APPLICABILITY OF SUBCHAPTER.  This subchapter applies to each insurer that writes residential property insurance in this state.|Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.014(a), eff. September 1, 2005.|
TX Ins Code § 544.303 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter G. Mold Claim or Damage|Section 544.303. Prohibition of Certain Underwriting Decisions Based on Previous Mold Claim or Damage

Sec. 544.303.  PROHIBITION OF CERTAIN UNDERWRITING DECISIONS BASED ON PREVIOUS MOLD CLAIM OR DAMAGE.  An insurer may not make an underwriting decision regarding a residential property insurance policy based on previous mold damage or a claim for mold damage if:(1)  the applicant for insurance coverage has property eligible for coverage under a residential property policy;(2)  the property has had mold damage;(3)  mold remediation has been performed on the property; and(4)  the property was:(A)  remediated, as evidenced by a certificate of mold remediation issued to the property owner under Section 1958.154, Occupations Code, that establishes with reasonable certainty that the underlying cause of the mold at the property has been remediated; or(B)  inspected by an independent assessor or adjustor who determined, based on the inspection, that the property does not contain evidence of mold damage.|Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.014(a), eff. September 1, 2005.Amended by: Acts 2007, 80th Leg., R.S., Ch. 730 (H.B. 2636), Sec. 3B.021(a), eff. September 1, 2007.|
TX Ins Code § 544.304 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter G. Mold Claim or Damage|Section 544.304. Rules

Sec. 544.304.  RULES.  The commissioner shall adopt rules as necessary to implement this subchapter.|Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.014(a), eff. September 1, 2005.|
TX Ins Code § 544.305 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter G. Mold Claim or Damage|Section 544.305. Penalty

Sec. 544.305.  PENALTY.  An insurer that violates this subchapter is subject, after notice and opportunity for hearing, to sanctions as provided by Chapters 82, 83, and 84.|Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.014(a), eff. September 1, 2005.|
TX Ins Code § 544.351 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter H. Water Damage Claims|Section 544.351. Purpose

Sec. 544.351.  PURPOSE.  The purpose of this subchapter is to protect persons and property from being unfairly stigmatized in obtaining residential property insurance by the filing of a water damage claim or claims under a residential property insurance policy.|Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.015(a), eff. September 1, 2005.|
TX Ins Code § 544.352 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter H. Water Damage Claims|Section 544.352. Definitions

Sec. 544.352.  DEFINITIONS.  In this subchapter:(1)  "Appliance" means a household device operated by gas or electric current, including hoses directly attached to the device.  The term includes air conditioning units, heating units, refrigerators, dishwashers, icemakers, clothes washers, water heaters, and disposals.(2)  "Insurer" means an insurance company, reciprocal or interinsurance exchange, mutual insurance company, capital stock company, county mutual insurance company, farm mutual insurance company, association, Lloyd's plan, or other entity writing residential property insurance in this state.  The term includes an affiliate, as described by Section 823.003(a), if that affiliate is authorized to write and is writing residential property insurance in this state.  The term does not include:(A)  the Texas Windstorm Insurance Association created and operated under Chapter 2210; or(B)  the FAIR Plan created and operated under Chapter 2211.(3)  "Residential property insurance" means insurance against loss to residential real property at a fixed location or tangible personal property provided in a homeowners policy, which includes a tenant policy, a condominium owners policy, or a residential fire and allied lines policy.(4)  "Underwriting guideline" means a rule, standard, guideline, or practice, whether written, oral, or electronic, that is used by an insurer or an agent of an insurer to:(A)  decide whether to accept or reject an application for a residential property insurance policy; or(B)  determine how to classify the risks that are accepted for the purpose of determining a rate.|Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.015(a), eff. September 1, 2005.Amended by: Acts 2007, 80th Leg., R.S., Ch. 730 (H.B. 2636), Sec. 3B.022(a), eff. September 1, 2007.Acts 2007, 80th Leg., R.S., Ch. 921 (H.B. 3167), Sec. 9.022(a), eff. September 1, 2007.|
TX Ins Code § 544.353 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter H. Water Damage Claims|Section 544.353. Restrictions on Use of Claims History for Water Damage

Sec. 544.353.  RESTRICTIONS ON USE OF CLAIMS HISTORY FOR WATER DAMAGE.  (a)  Underwriting guidelines relating to a water damage claim or claims used by an insurer shall be governed by rules adopted by the commissioner in accordance with the purpose of this subchapter.  An insurer may not use an underwriting guideline relating to a water damage claim or claims that is not in accordance with the rules adopted by the commissioner under this subchapter.(b)  An insurer shall file with the department its underwriting guidelines relating to a water damage claim or claims in accordance with the rules adopted by the commissioner.(c)  Except as provided by Subsection (e), an insurer may not use a prior appliance-related claim filed by a person as a basis for determining the rate to be paid by the person for insurance coverage or for determining whether to issue, renew, or cancel an insurance policy to or for the person if the person:(1)  properly remediated the prior appliance-related claim; and(2)  had the remediation inspected and certified by a person or entity knowledgeable and experienced in the remediation of water damage.(d)  Except as provided by Subsection (e), an insurer may not use a prior appliance-related claim filed regarding specific property as a basis for determining the rate to be paid by a person for insurance coverage for that property or for determining whether to issue, renew, or cancel an insurance policy to or for a person seeking insurance coverage for that property if the prior appliance-related claim was properly remediated and was inspected and certified by a person knowledgeable and experienced in remediation of water damage.(e)  Subsections (c) and (d) do not apply to:(1)  a person who has made and has received payment for three or more appliance-related claims within a three-year period; or(2)  specific property that has been the subject of three or more appliance-related claims within a three-year period.|Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.015(a), eff. September 1, 2005.|
TX Ins Code § 544.354 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter H. Water Damage Claims|Section 544.354. Rules

Sec. 544.354.  RULES.  The commissioner shall adopt rules to accomplish the purposes of this subchapter, including rules with regard to the definition of a water damage claim.|Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.015(a), eff. September 1, 2005.|
TX Ins Code § 544.401 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter I. Criminal Offenses|Section 544.401. Offense: Certain Discrimination

Sec. 544.401.  OFFENSE:  CERTAIN DISCRIMINATION.  (a)  In this section, "person" means a legal entity listed below and engaged in the business of life insurance or an officer or director of one of those entities: (1)  a capital stock insurance company; (2)  a mutual insurance company;(3)  a local mutual aid association;(4)  a statewide mutual assessment company; or(5)  a stipulated premium company.(b)  A person commits an offense if the person recklessly:(1)  offers insurance coverage at a premium based on a rate that is, because of race, color, religion, ethnicity, or national origin, different from another premium rate offered or used by the person for the same coverage, other than for classifications applicable alike to persons of every race, color, religion, ethnicity, or national origin; or(2)  collects an insurance premium based on a rate that is, because of race, color, religion, ethnicity, or national origin, different from another premium rate offered or used by the person for the same coverage, other than for classifications applicable alike to persons of every race, color, religion, ethnicity, or national origin.(c)  An offense under this section is a state jail felony.|Added by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018), Sec. 11.016(a), eff. September 1, 2005.|
TX Ins Code § 544.451 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter J. Prohibited Practices Relating to Exposure to Asbestos or Silica|Section 544.451. Definition

Sec. 544.451.  DEFINITION.  In this subchapter, "health benefit plan" means a plan that provides benefits for medical, surgical, or other treatment expenses incurred as a result of a health condition, a mental health condition, an accident, sickness, or substance abuse, including an individual, group, blanket, or franchise insurance policy or insurance agreement, a group hospital service contract, or an individual or group evidence of coverage or similar coverage document.  The term includes:(1)  a small employer health benefit plan or a health benefit plan written to provide coverage with a cooperative under Chapter 1501;(2)  a standard health benefit plan offered under Subchapter A or Subchapter B, Chapter 1507; and(3)  a health benefit plan offered under Chapter 1551, 1575, 1579, or 1601.|Added by Acts 2007, 80th Leg., R.S., Ch. 730 (H.B. 2636), Sec. 3B.023(a), eff. September 1, 2007.Added by Acts 2007, 80th Leg., R.S., Ch. 921 (H.B. 3167), Sec. 9.023(a), eff. September 1, 2007.|
TX Ins Code § 544.452 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter J. Prohibited Practices Relating to Exposure to Asbestos or Silica|Section 544.452. Applicability of Subchapter

Sec. 544.452.  APPLICABILITY OF SUBCHAPTER.  This subchapter applies to any entity that offers a health benefit plan or an annuity or life insurance policy or contract in this state, including:(1)  a stock or mutual life, health, or accident insurance company;(2)  a group hospital service corporation operating under Chapter 842;(3)  a fraternal benefit society operating under Chapter 885;(4)  a stipulated premium insurance company operating under Chapter 884;(5)  a Lloyd's plan operating under Chapter 941;(6)  an exchange operating under Chapter 942;(7)  a health maintenance organization operating under Chapter 843;(8)  a multiple employer welfare arrangement that holds a certificate of authority under Chapter 846;(9)  an approved nonprofit health corporation that holds a certificate of authority under Chapter 844;(10)  a statewide mutual assessment company operating under Chapter 881;(11)  a local mutual aid association operating under Chapter 886; and(12)  a local mutual burial association operating under Chapter 888.|Added by Acts 2007, 80th Leg., R.S., Ch. 730 (H.B. 2636), Sec. 3B.023(a), eff. September 1, 2007.Added by Acts 2007, 80th Leg., R.S., Ch. 921 (H.B. 3167), Sec. 9.023(a), eff. September 1, 2007.|
TX Ins Code § 544.453 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter J. Prohibited Practices Relating to Exposure to Asbestos or Silica|Section 544.453. Prohibition

Sec. 544.453.  PROHIBITION.  An entity that offers a health benefit plan or an annuity or life insurance policy or contract may not use the fact that a person has been exposed to asbestos fibers or silica or has filed a claim governed by Chapter 90, Civil Practice and Remedies Code, to reject, deny, limit, cancel, refuse to renew, increase the premiums for, or otherwise adversely affect the person's eligibility for or coverage under the policy or contract.|Added by Acts 2007, 80th Leg., R.S., Ch. 730 (H.B. 2636), Sec. 3B.023(a), eff. September 1, 2007.Added by Acts 2007, 80th Leg., R.S., Ch. 921 (H.B. 3167), Sec. 9.023(a), eff. September 1, 2007.|
TX Ins Code § 544.501 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 544 - Prohibited Discrimination|Subchapter K. Previous Denial of Health Benefit Plan Coverage|Section 544.501. Definition

Sec. 544.501.  DEFINITION.  In this subchapter, "individual health benefit plan" means:(1)  an individual accident and health insurance policy to which Chapter 1201 applies; or(2)  individual health maintenance organization coverage.|Added by Acts 2005, 79th Leg., Ch. 748 (H.B. 2810), Sec. 1, eff. September 1, 2005.Renumbered from Insurance Code, Section 544.301 by Acts 2009, 81st Leg., R.S., Ch. 87 (S.B. 1969), Sec. 27.001(61), eff. September 1, 2009.|