reglab/housing_qa huggingface dataset:
WA Rev Code § 48.50.055 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.50 - Insurance Fraud Reporting Immunity Act.|48.50.055 - Release of information to requesting insurer.

RCW 48.50.055 Release of information to requesting insurer.An insurer providing information to an authorized agency or agencies under RCW 48.50.030 or 48.50.040 may request that an authorized agency furnish to the insurer any or all relevant information possessed by the agency relating to the particular fire loss. At their discretion, and unless prohibited by any other provision of law, the agency or agencies may release or provide information to the requesting insurer.[ 2000 c 254 § 4.]
WA Rev Code § 48.50.070 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.50 - Insurance Fraud Reporting Immunity Act.|48.50.070 - Immunity from liability for releasing information.

RCW 48.50.070 Immunity from liability for releasing information.Any licensed insurance producer, title insurance agent, or insurer or person acting in the insurer's behalf, health maintenance organization or person acting in behalf of the health maintenance organization, health care service contractor or person acting in behalf of the health care service contractor, or any authorized agency which releases information, whether oral or written, to the commissioner, the national insurance crime bureau, the national association of insurance commissioners, other law enforcement agent or agency, or another insurer under RCW 48.50.030, 48.50.040, 48.50.050, 48.50.055, or 48.135.050 is immune from liability in any civil or criminal action, suit, or prosecution arising from the release of the information, unless actual malice on the part of the insurance producer, title insurance agent, insurer, health care maintenance organization, health care service contractor, or authorized agency against the insured is shown.[ 2008 c 217 § 59; 2006 c 284 § 14; 2000 c 254 § 5; 1980 c 102 § 9; 1979 ex.s. c 80 § 7.]NOTES:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.Effective date—2006 c 284: See RCW 48.135.901.
WA Rev Code § 48.50.075 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.50 - Insurance Fraud Reporting Immunity Act.|48.50.075 - Immunity from liability for denying claim based on written opinion of authorized agency.

RCW 48.50.075 Immunity from liability for denying claim based on written opinion of authorized agency.In denying a claim, an insurer, health maintenance organization, or health care service contractor who relies upon a written opinion from an authorized agency specifically enumerated in RCW 48.50.020(1) (a) through (g) that criminal activity that is related to that claim is being investigated, or a crime has been charged, and that the claimant is a target of the investigation or has been charged with a crime, is not liable for bad faith or other noncontractual theory of damages as a result of this reliance.Immunity under this section shall exist only so long as the incident for which the claimant may be responsible is under active investigation or prosecution, or the authorized agency states its position that the claim includes or is a result of criminal activity in which the claimant was a participant.[ 2006 c 284 § 15; 1995 c 285 § 24; 1981 c 320 § 2.]NOTES:Effective date—2006 c 284: See RCW 48.135.901.Effective date—1995 c 285: See RCW 48.30A.900.
WA Rev Code § 48.50.090 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.50 - Insurance Fraud Reporting Immunity Act.|48.50.090 - Local ordinances not preempted.

RCW 48.50.090 Local ordinances not preempted.This chapter does not preempt or preclude any county or municipality from enacting ordinances relating to fire prevention or control of arson.[ 1979 ex.s. c 80 § 9.]
WA Rev Code § 48.53.010 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.53 - Fire Insurance—Arson Fraud Reduction.|48.53.010 - Purpose.

RCW 48.53.010 Purpose.It is the purpose of this chapter to reduce the incidence of arson fraud by requiring insurers to obtain specified information prior to issuing a fire insurance policy for certain structures and by authorizing insurers to cancel fire insurance policies when characteristics frequently associated with arson fraud are present.[ 1982 c 110 § 1.]
WA Rev Code § 48.53.030 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.53 - Fire Insurance—Arson Fraud Reduction.|48.53.030 - Cancellation of policy—Conditions required for.

RCW 48.53.030 Cancellation of policy—Conditions required for.Notwithstanding the provisions of RCW 48.18.290, where two or more of the following conditions exist, an insurer may, under RCW 48.53.040, cancel a fire insurance policy for any structure:(1) Which, without reasonable explanation, is unoccupied for more than sixty consecutive days, or in which at least sixty-five percent of the rental units are unoccupied for more than one hundred twenty consecutive days unless the structure is maintained for seasonal occupancy or is under construction or repair;(2) On which, without reasonable explanation, progress toward completion of permanent repairs has not occurred within sixty days after receipt of funds following satisfactory adjustment or adjudication of loss resulting from a fire;(3) Which, because of its physical condition, is in danger of collapse;(4) For which, because of its physical condition, a vacation or demolition order has been issued, or which has been declared unsafe in accordance with applicable law;(5) From which fixed and salvageable items have been removed, indicating an intent to vacate the structure;(6) For which, without reasonable explanation, heat, water, sewer, and electricity are not furnished for sixty consecutive days; and(7) Which is not maintained in substantial compliance with fire, safety, and building codes.[ 1982 c 110 § 3.]
WA Rev Code § 48.53.040 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.53 - Fire Insurance—Arson Fraud Reduction.|48.53.040 - Cancellation of policy—Procedure.

RCW 48.53.040 Cancellation of policy—Procedure.An insurer may cancel a fire insurance policy when the requirements of RCW 48.53.030 are met only in accordance with the following procedure:(1) The insurer shall, not less than five days prior to cancellation, issue written notice of cancellation to the insured or the insured's representative in charge of the policy. The notice shall contain at least the following:(a) The date that the policy will be canceled;(b) A description of the specific facts justifying the cancellation;(c) A copy of this chapter; and(d) The name, title, address, and telephone number of the insurer's employee who may be contacted regarding cancellation of the policy.(2) The notice required by this section shall be actually delivered or mailed to the insured by certified mail, return receipt requested, and in addition by first-class mail. A copy of the notice shall, at the time of delivery or mailing to the insured, or the insured's representative in charge of the policy, be mailed to the insurance commissioner.(3) The insurer shall also comply with the requirements of *RCW 48.18.290 (1)(b), (2) and (3), and shall provide not less than twenty days notice of cancellation to each mortgagee, pledgee, or other person shown by the policy to have an interest in any loss which may occur thereunder except as provided in subsection (1) of this section.(4) The portion of any premium paid to the insurer on account of the policy, unearned because of the cancellation and in an amount as computed on a pro rata basis, must be actually paid or mailed to the insured or other person entitled thereto as shown by the policy or any endorsement thereon, as soon as possible, and no later than thirty days after the date that the notice of cancellation was issued.[ 1982 c 110 § 4.]NOTES:*Reviser's note: RCW 48.18.290 was amended by 2006 c 8 § 212, changing subsection (1)(b) to subsection (1)(e).
WA Rev Code § 48.53.050 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.53 - Fire Insurance—Arson Fraud Reduction.|48.53.050 - Issuance or cancellation of policy in violation of chapter.

RCW 48.53.050 Issuance or cancellation of policy in violation of chapter.(1) Any fire insurance policy issued in violation of this chapter shall not be canceled by the insurer under the procedures authorized by this chapter.(2) Cancellation of a fire insurance policy in violation of this chapter shall constitute a violation of this title.[ 1982 c 110 § 5.]
WA Rev Code § 48.53.060 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.53 - Fire Insurance—Arson Fraud Reduction.|48.53.060 - Adoption of rules.

RCW 48.53.060 Adoption of rules.Rules designating geographic areas or classes of occupancy as having an abnormally high incidence of arson, and any other rules necessary to implement this chapter shall be adopted by the chief of the Washington state patrol, through the director of fire protection, under chapter 34.05 RCW.[ 1995 c 369 § 39; 1986 c 266 § 93; 1982 c 110 § 6.]NOTES:Effective date—1995 c 369: See note following RCW 43.43.930.Severability—1986 c 266: See note following RCW 38.52.005.
WA Rev Code § 48.56.010 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.56 - Insurance Premium Finance Company Act.|48.56.010 - Short title.

RCW 48.56.010 Short title.This chapter shall be known and may be cited as "The Insurance Premium Finance Company Act".[ 1969 ex.s. c 190 § 1.]
WA Rev Code § 48.56.020 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.56 - Insurance Premium Finance Company Act.|48.56.020 - Definitions.

RCW 48.56.020 Definitions.As used in this chapter:(1) "Insurance premium finance company" means a person engaged in the business of entering into insurance premium finance agreements.(2) "Premium finance agreement" means an agreement by which an insured or prospective insured promises to pay to a premium finance company the amount advanced or to be advanced under the agreement to an insurer or to an insurance producer in payment of premiums on an insurance contract together with a service charge as authorized and limited by this chapter and as security therefor the insurance premium finance company receives an assignment of the unearned premium.(3) "Licensee" means a premium finance company holding a license issued by the insurance commissioner under this chapter.[ 2008 c 217 § 60; 1969 ex.s. c 190 § 2.]NOTES:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
WA Rev Code § 48.56.040 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.56 - Insurance Premium Finance Company Act.|48.56.040 - Investigation of applicant—Qualifications—Hearing.

RCW 48.56.040 Investigation of applicant—Qualifications—Hearing.(1) Upon the filing of an application and the payment of the license fee the commissioner shall make an investigation of each applicant and shall issue a license if the applicant is qualified in accordance with this chapter. If the commissioner does not so find, he or she shall, within thirty days after he or she has received such application, at the request of the applicant, give the applicant a full hearing.(2) The commissioner shall issue or renew a license as may be applied for when he or she is satisfied that the person to be licensed—(a) is competent and trustworthy and intends to act in good faith in the capacity involved by the license applied for,(b) has a good business reputation and has had experience, training, or education so as to be qualified in the business for which the license is applied for, and(c) if a corporation, is a corporation incorporated under the laws of the state or a foreign corporation authorized to transact business in the state.[ 2009 c 549 § 7155; 1969 ex.s. c 190 § 4.]
WA Rev Code § 48.56.050 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.56 - Insurance Premium Finance Company Act.|48.56.050 - Revocation, suspension, or refusal to renew.

RCW 48.56.050 Revocation, suspension, or refusal to renew.(1) The commissioner may revoke or suspend the license of any premium finance company when and if after investigation it appears to the commissioner that—(a) any license issued to such company was obtained by fraud,(b) there was any misrepresentation in the application for the license,(c) the holder of such license has otherwise shown himself or herself untrustworthy or incompetent to act as a premium finance company, or(d) such company has violated any of the provisions of this chapter.(2) Before the commissioner shall revoke, suspend, or refuse to renew the license of any premium finance company, he or she shall give to such person an opportunity to be fully heard and to introduce evidence in his or her behalf. In lieu of revoking or suspending the license for any of the causes enumerated in this section, after hearing as herein provided, the commissioner may subject such company to a penalty of not more than two hundred dollars for each offense when in his or her judgment he or she finds that the public interest would not be harmed by the continued operation of such company. The amount of any such penalty shall be paid by such company through the office of the commissioner to the state treasurer. At any hearing provided by this section, the commissioner shall have authority to administer oaths to witnesses. Anyone testifying falsely, after having been administered such oath, shall be subject to the penalty of perjury.(3) If the commissioner refuses to issue or renew any license or if any applicant or licensee is aggrieved by any action of the commissioner, said applicant or licensee shall have the right to a hearing and court proceeding as provided by statute.[ 2009 c 549 § 7156; 1969 ex.s. c 190 § 5.]
WA Rev Code § 48.56.060 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.56 - Insurance Premium Finance Company Act.|48.56.060 - Records.

RCW 48.56.060 Records.(1) Every licensee shall maintain records of its premium finance transactions and the said records shall be open to examination and investigation by the commissioner. The commissioner may at any time require any licensee to bring such records as he or she may direct to the commissioner's office for examination.(2) Every licensee shall preserve its records of such premium finance transactions, including cards used in a card system, for at least three years after making the final entry in respect to any premium finance agreement. The preservation of records in photographic form shall constitute compliance with this requirement.[ 2009 c 549 § 7157; 1969 ex.s. c 190 § 6.]
WA Rev Code § 48.56.070 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.56 - Insurance Premium Finance Company Act.|48.56.070 - Rules and regulations.

RCW 48.56.070 Rules and regulations.The commissioner shall have authority to make and enforce such reasonable rules and regulations as may be necessary in making effective the provisions of this chapter, but such rules and regulations shall not be contrary to nor inconsistent with the provisions of this chapter.[ 1969 ex.s. c 190 § 7.]
WA Rev Code § 48.56.080 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.56 - Insurance Premium Finance Company Act.|48.56.080 - Premium finance agreement.

RCW 48.56.080 Premium finance agreement.(1) A premium finance agreement shall:(a) Be dated, signed by or on behalf of the insured, and the printed portion thereof shall be in at least eight point type;(b) Contain the name and place of business of the insurance producer negotiating the related insurance contract, the name and residence or the place of business of the premium finance company to which payments are to be made, a description of the insurance contracts involved and the amount of the premium therefor; and(c) Set forth the following items where applicable:(i) The total amount of the premiums;(ii) The amount of the down payment;(iii) The principal balance (the difference between items (i) and (ii));(iv) The amount of the service charge;(v) The balance payable by the insured (sum of items (iii) and (iv)); and(vi) The number of installments required, the amount of each installment expressed in dollars, and the due date or period thereof.(2) The items set out in subsection (1)(c) of this section need not be stated in the sequence or order in which they appear in that subsection, and additional items may be included to explain the computations made in determining the amount to be paid by the insured.(3) The information required by subsection (1) of this section shall only be required in the initial agreement where the premium finance company and the insured enter into an open end credit transaction, which is defined as follows: A plan prescribing the terms of credit transactions which may be made thereunder from time to time and under the terms of which a finance charge may be computed on the outstanding unpaid balance from time to time thereunder.(4) A copy of the premium finance agreement shall be given to the insured at the time or within ten days of its execution, except where the application has been signed by the insured and all the finance charges are one dollar or less per payment. In addition, the premium finance company shall deliver or mail a copy of the premium finance agreement or notice identifying policy, insured, and insurance producer to each insurer that has premiums involved in the transaction, within thirty days of the execution of the premium finance agreement.(5) It shall be illegal for a premium finance company to offset funds of an insurance producer with funds belonging to an insured. Premiums advanced by a premium finance company are funds belonging to the insured and shall be held in a fiduciary relationship.[ 2008 c 217 § 61; 1975-'76 2nd ex.s. c 119 § 6; 1969 ex.s. c 190 § 8.]NOTES:Severability—Effective date—2008 c 217: See notes following RCW 48.03.020.
WA Rev Code § 48.56.090 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.56 - Insurance Premium Finance Company Act.|48.56.090 - Service charge.

RCW 48.56.090 Service charge.(1) A premium finance company shall not charge, contract for, receive, or collect a service charge other than as permitted by this chapter.(2) The service charge is to be computed on the balance of the premiums due (after subtracting the down payment made by the insured in accordance with the premium finance agreement) from the effective date of the insurance coverage, for which the premiums are being advanced, to and including the date when the final installment of the premium finance agreement is payable.(3) The service charge shall be a maximum of ten dollars per one hundred dollars per year plus an acquisition charge of ten dollars per premium finance agreement which need not be refunded upon cancellation or prepayment.[ 1969 ex.s. c 190 § 9.]
WA Rev Code § 48.56.100 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.56 - Insurance Premium Finance Company Act.|48.56.100 - Delinquency charge—Cancellation charge.

RCW 48.56.100 Delinquency charge—Cancellation charge.A premium finance agreement may provide for the payment by the insured of a delinquency charge of one dollar to a maximum of five percent of the delinquent installment that is in default for a period of five days or more except that if the loan is primarily for personal, family, or household purposes the delinquency charge shall not exceed five dollars.If the default results in the cancellation of any insurance contract listed in the agreement, the agreement may provide for the payment by the insured of a cancellation charge equal to the difference between any delinquency charge imposed with respect to the installment in default and five dollars.[ 1995 c 72 § 1; 1969 ex.s. c 190 § 10.]
WA Rev Code § 48.56.110 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.56 - Insurance Premium Finance Company Act.|48.56.110 - Cancellation of insurance contract.

RCW 48.56.110 Cancellation of insurance contract.(1) When a premium finance agreement contains a power of attorney enabling the premium finance company to cancel any insurance contract or contracts listed in the agreement, the insurance contract or contracts shall not be canceled by the premium finance company unless such cancellation is effectuated in accordance with this section.(2) Not less than ten days' written notice shall be mailed to the insured of the intent of the premium finance company to cancel the insurance contract unless the default is cured within such ten-day period.(3) After expiration of such ten-day period, the premium finance company may thereafter request in the name of the insured, cancellation of such insurance contract or contracts by mailing to the insurer a notice of cancellation, and the insurance contract shall be canceled as if such notice of cancellation had been submitted by the insured himself or herself, but without requiring the return of the insurance contract or contracts. The premium finance company shall also mail a notice of cancellation to the insured at his or her last known address.(4) All statutory, regulatory, and contractual restrictions providing that the insurance contract may not be canceled unless notice is given to a governmental agency, mortgagee, or other third party shall apply where cancellation is effected under the provisions of this section. The insurer shall give the prescribed notice in behalf of itself or the insured to any governmental agency, mortgagee, or other third party on or before the second business day after the day it receives the notice of cancellation from the premium finance company and shall determine the effective date of cancellation taking into consideration the number of days notice required to complete the cancellation.[ 2010 c 8 § 11006; 2009 c 549 § 7158; 1969 ex.s. c 190 § 11.]
WA Rev Code § 48.56.120 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.56 - Insurance Premium Finance Company Act.|48.56.120 - Cancellation of insurance contract—Return of unearned premiums.

RCW 48.56.120 Cancellation of insurance contract—Return of unearned premiums.(1) Whenever a financed insurance contract is canceled, the insurer shall return whatever gross unearned premiums are due under the insurance contract to the premium finance company for the account of the insured or insureds.(2) In the event that the crediting of return premiums to the account of the insured results in a surplus over the amount due from the insured, the premium finance company shall refund such excess to the insured: PROVIDED, That no such refund shall be required if it amounts to less than one dollar.[ 1969 ex.s. c 190 § 12.]
WA Rev Code § 48.56.130 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.56 - Insurance Premium Finance Company Act.|48.56.130 - Filing of agreement.

RCW 48.56.130 Filing of agreement.No filing of the premium finance agreement shall be necessary to perfect the validity of such agreement as a secured transaction as against creditors, subsequent purchasers, pledgees, encumbrancers, successors, or assigns.[ 1969 ex.s. c 190 § 13.]
WA Rev Code § 48.56.900 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.56 - Insurance Premium Finance Company Act.|48.56.900 - Effective date—1969 ex.s. c 190.

RCW 48.56.900 Effective date—1969 ex.s. c 190.This act is necessary for the immediate preservation of the public peace, health and safety, the support of the state government and its existing public institutions, and shall take effect on the sixtieth day following passage by the legislature and submission to the governor for action.[ 1969 ex.s. c 190 § 15.]