reglab/housing_qa huggingface dataset:
WA Rev Code § 48.27.020 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.27 - Property Insurance.|48.27.020 - Replacement insurance.

RCW 48.27.020 Replacement insurance.By any contract of insurance of property or of any insurable interest therein, the insurer may in connection with a special provision or endorsement made a part of the policy insure the cost of repair or replacement of such property, if damaged or destroyed by a hazard insured against, and without deduction of depreciation, subject to such reasonable rules and regulations as may be made by the commissioner.[ 1951 c 194 § 1; 1947 c 79 § .27.02; formerly Rem. Supp. 1947 § 45.27.02.]
WA Rev Code § 48.27.030 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.27 - Property Insurance.|48.27.030 - Policy does not cover flood damage—Notice to policyholder.

RCW 48.27.030 Policy does not cover flood damage—Notice to policyholder.(1) Every insurer issuing a homeowner, condominium unit owner, residential tenant, and residential fire insurance policy that does not cover damage caused by flood must notify the policyholder that the policy does not cover damage caused by flood. The notice must also inform the policyholder how to contact the national flood insurance program ("NFIP") or one of the NFIP's agents. This notice must be provided:(a) At the time the policy is issued; and(b) At the time the policy is renewed.(2) The following language, when combined with current information about how to contact the NFIP or its agent, satisfies the notice requirements of this section:"This policy does not cover damage to your property caused by flooding. The federal government offers flood insurance through the National Flood Insurance Program to residents of communities that participate in its program. You can learn more about the National Flood Insurance Program at www.floodsmart.gov or by calling (888) 379-9531."(3) Nothing in this section invalidates a flood exclusion, or any other exclusion, in an insurance policy subject to this section.[ 2009 c 14 § 1.]
WA Rev Code § 48.28.010 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.28 - Surety Insurance.|48.28.010 - Requirements deemed met by surety insurer.

RCW 48.28.010 Requirements deemed met by surety insurer.Whenever by law or by rule of any court, public official, or public body, any surety bond, recognizance, obligation, stipulation or undertaking is required or is permitted to be given, any such bond, recognizance, obligation, stipulation, or undertaking which is otherwise proper and the conditions of which are guaranteed by an authorized surety insurer, or by an unauthorized surety insurer as a surplus line pursuant to chapter 48.15 RCW of this code, shall be approved and accepted and shall be deemed to fulfill all requirements as to number of sureties, residence or status of sureties, and other similar requirements, and no justification by such surety shall be necessary.[1947 c 79 § .28.01; Rem. Supp. 1947 § 45.28.01.]
WA Rev Code § 48.28.020 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.28 - Surety Insurance.|48.28.020 - Fiduciary bonds—Premium as lawful expense.

RCW 48.28.020 Fiduciary bonds—Premium as lawful expense.Any fiduciary required by law to give bonds, may include as part of his or her lawful expense to be allowed by the court or official by whom he or she was appointed, the reasonable amount paid as premium for such bonds to the authorized surety insurer or to the surplus line surety insurer which issued or guaranteed such bonds.[ 2009 c 549 § 7117; 1955 c 30 § 1. Prior: 1947 c 79 § .28.02; Rem. Supp. 1947 § 45.28.02.]
WA Rev Code § 48.28.030 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.28 - Surety Insurance.|48.28.030 - Judicial bonds—Premium as part of recoverable costs.

RCW 48.28.030 Judicial bonds—Premium as part of recoverable costs.In any proceeding the party entitled to recover costs may include therein such reasonable sum as was paid to such surety insurer as premium for any bond or undertaking required therein, and as may be allowed by the court having jurisdiction of such proceeding.[ 1955 c 30 § 2. Prior: 1947 c 79 § .28.03; Rem. Supp. 1947 § 45.28.03.]NOTES:Rules of court: Cf. RAP 14.3, 18.22.
WA Rev Code § 48.28.040 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.28 - Surety Insurance.|48.28.040 - Official bonds—Payment of premiums.

RCW 48.28.040 Official bonds—Payment of premiums.The premium for bonds given by such surety insurers for appointive or elective public officers and for such of their deputies or employees as are required to give bond shall be paid by the state, political subdivision, or public body so served.[ 1955 c 30 § 3. Prior: 1947 c 79 § .28.04; Rem. Supp. 1947 § 45.28.04.]
WA Rev Code § 48.28.050 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.28 - Surety Insurance.|48.28.050 - Release from liability.

RCW 48.28.050 Release from liability.A surety insurer may be released from its liability on the same terms and conditions as are provided by law for the release of individuals as sureties.[1947 c 79 § .28.05; Rem. Supp. 1947 § 45.28.05.]
WA Rev Code § 48.29.005 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.005 - Administration of chapter—Rules.

RCW 48.29.005 Administration of chapter—Rules.The commissioner may adopt rules to implement and administer this chapter, including but not limited to:(1) Establishing the information to be included in the report required under RCW 48.29.015;(2) Establishing the information required for the filing of rates for title insurance under RCW 48.29.147;(3) Establishing standards which title insurance rate filings must satisfy under RCW 48.29.147;(4) Establishing a date, which date shall not be earlier than January 1, 2010, by which all title insurers selling policies in this state must file their rates with the commissioner under RCW 48.29.143 and 48.29.147 rather than under RCW 48.29.140 and refile any rates that were in effect prior to the date established by the commissioner;(5) Defining what things of value a title insurance insurer or title insurance agent is permitted to give to any person in a position to refer or influence the referral of title insurance business under RCW 48.29.210(2). In adopting rules under this subsection, the commissioner shall work with representatives of the title insurance and real estate industries and consumer groups in developing the rules;(6) Establishing the fee for a license as a rating organization under RCW 48.29.410;(7) Establishing license requirements that an applicant for a license as a rating organization and a licensee must comply with; and(8) Requiring a rating organization to periodically update the title insurance rates, manuals of rules and rates, rating plans, rate schedules, minimum rates, class rates, or rating rules, filed by the rating organization on behalf of its members or subscribers.[ 2017 c 103 § 23; 2008 c 110 § 9.]
WA Rev Code § 48.29.015 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.015 - Requirement to maintain records—Report to commissioner.

RCW 48.29.015 Requirement to maintain records—Report to commissioner.(1) A title insurance agent shall maintain records of its title orders sufficient to indicate the source of the title orders.(2) Every title insurance agent shall file with the commissioner annually by March 15th of each year for the previous calendar year, unless the commissioner for good cause shown extends the time for filing, a report, on a form prescribed by the commissioner, setting forth:(a) The names and addresses of those persons, if any, who have had a financial interest in the title insurance agent during the calendar year, who are known or reasonably believed by the title insurance agent to be producers of title business or associates of producers; and(b) The percent of title orders originating from each person who owns, or had owned during the preceding calendar year, a financial interest in the title insurance agent.(3) Each title insurance agent shall keep current the information required by that portion of the report required by subsection (2)(a) of this section by reporting all changes or additions within fifteen days after the end of the month in which it learns of each change or addition.(4) Each title insurance agent shall file that portion of the report required by subsection (2)(a) of this section with its application for a license.[ 2017 3rd sp.s. c 25 § 18; 2008 c 110 § 2.]
WA Rev Code § 48.29.017 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.017 - Statistical reporting agent—Duties—Required reports—Costs—Rules—Information and data exchange.

RCW 48.29.017 Statistical reporting agent—Duties—Required reports—Costs—Rules—Information and data exchange.(1) The commissioner must designate one statistical reporting agent to assist him or her in gathering information on title insurance policy issuance, business income, and expenses and making compilations thereof. The costs and expenses of the statistical reporting agent must be borne by all the authorized title insurance companies and title insurance agents licensed to conduct the business of title insurance in this state. The commissioner may adopt rules setting forth how the costs and expenses of the statistical reporting agent are to be paid and apportioned among the authorized title insurers and licensed title insurance agents.(2) Upon designation of a statistical reporting agent by the commissioner under subsection (1) of this section all authorized title insurance companies and licensed title insurance agents must annually, by May 31st, file a report with the statistical reporting agent of their policy issuance, business income, expenses, and loss experience in this state. The report must be filed with the statistical reporting agent in a manner and form prescribed by the commissioner by rule, which must be consistent with the manner and form adopted by the national association of insurance commissioners.(3) The statistical reporting agent must review the information filed with it for completeness, accuracy, and quality within one hundred twenty days of its receipt. All title insurance companies and title insurance agents must cooperate with the statistical reporting agent to verify the completeness, accuracy, and quality of the data that they submitted.(4) Within thirty days after completing its review of the information for quality and accuracy, the statistical reporting agent must file the information for each title insurance company and title insurance agent, individually and in the aggregate, with the commissioner with a copy of the aggregate data from such statistical reporting agent provided to each title insurer and title insurance agent.(5) The commissioner may adopt rules to implement and administer this section.(6) The statistical reporting agent may exchange aggregate information and experience data with title insurance companies and rating organizations in this state in accordance with RCW 48.29.470.[ 2017 c 103 § 22; 2013 c 65 § 1.]
WA Rev Code § 48.29.018 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.018 - Information filed under RCW 48.29.017—Confidentiality.

RCW 48.29.018 Information filed under RCW 48.29.017—Confidentiality.(1) Information filed with the commissioner under RCW 48.29.017 must be kept confidential and is not subject to public disclosure under chapter 42.56 RCW, unless the commissioner finds, after notice and hearing with the affected parties, it is in the public interest to disclose the information.(2) The commissioner may share the information in subsection (1) of this section with the national association of insurance commissioners and its affiliates and subsidiaries, regulatory and law enforcement officials of other states and nations, the federal government, and international authorities, provided that the recipient agrees to maintain the confidentiality and privileged status of the information.(3) This section does not prohibit the commissioner from sharing or publishing the information in an aggregate form.[ 2013 c 65 § 2.]
WA Rev Code § 48.29.020 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.020 - Certificate of authority—Qualifications.

RCW 48.29.020 Certificate of authority—Qualifications.A title insurer is not entitled to have a certificate of authority unless:(1) It is a stock corporation;(2) It owns or leases and maintains a complete set of tract indexes of the county in this state in which its principal office is located; and(3) It has and maintains the capital and surplus requirements set forth in RCW 48.05.340.[ 2005 c 223 § 15; 1990 c 76 § 1; 1955 c 86 § 12; 1947 c 79 § .29.02; Rem. Supp. 1947 § 45.29.02.]NOTES:Effective date—Supervision of transfers—1955 c 86: See notes following RCW 48.05.080.
WA Rev Code § 48.29.040 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.040 - May do business in two or more counties—Restrictions.

RCW 48.29.040 May do business in two or more counties—Restrictions.(1) Subject to the deposit requirements of *RCW 48.29.030, a title insurer having its principal offices in one county may be authorized to transact business in only such additional counties as to which it owns or leases and maintains, or has a duly authorized agent that owns or leases and maintains, a complete set of tract indexes.(2) A title insurer not authorized to transact business in a certain county may purchase a title policy on property located therein from another title insurer which is so authorized in that county. The first title insurer may thereafter issue its own policy of title insurance to the owner of such property. The first title insurer may combine the insurance on the title of such property in a single policy which also insures the title of one or more other pieces of property. The first title insurer must pay the full premium based on filed rates for the policy, and must charge the precise same amount to its own customer for the insurance as to the title of such property. A title insurer using the authority granted by this subsection in a transaction must so notify its customer.[ 1990 c 76 § 2; 1957 c 193 § 17; 1947 c 79 § .29.04; Rem. Supp. 1947 § 45.29.04.]NOTES:*Reviser's note: RCW 48.29.030 was repealed by 2005 c 223 § 35.
WA Rev Code § 48.29.130 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.130 - Investments.

RCW 48.29.130 Investments.A domestic title insurer shall invest its funds as follows:(1) Funds in an amount not less than its reserve required by RCW 48.29.120 must be kept invested in investments eligible for domestic life insurers.(2) Other funds may be invested in:(a) The insurer's plant and equipment, up to a maximum of fifty percent of capital plus surplus.(b) Stocks and bonds of abstract companies when approved by the commissioner.(c) Investments eligible for the investment of funds of any domestic insurer.[ 2005 c 223 § 17; 1967 c 150 § 30; 1947 c 79 § .29.13; Rem. Supp. 1947 § 45.29.13.]
WA Rev Code § 48.29.140 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.140 - Premium rates—Required filings—Transition date set by rule.

RCW 48.29.140 Premium rates—Required filings—Transition date set by rule.(1) Premium rates for the insuring or guaranteeing of titles shall not be excessive, inadequate, or unfairly discriminatory.(2) Each title insurer shall forthwith file with the commissioner a schedule showing the premium rates to be charged by it. Every addition to or modification of such schedule or of any rate therein contained shall likewise be filed with the commissioner, and no such addition or modification shall be effective until expiration of fifteen days after date of such filing.(3) The commissioner may order the modification of any premium rate or schedule of premium rates found by him or her after a hearing to be excessive, or inadequate, or unfairly discriminatory. No such order shall require retroactive modification.(4) The commissioner shall by rule set a date, which shall not be earlier than January 1, 2010, by which title insurers must file every manual of rules and rates, rating plan, rate schedule, minimum rate, class rate, and rating rule, and every modification of any of these filings, under RCW 48.29.143 and 48.29.147, rather than under this section.[ 2008 c 110 § 8; 1947 c 79 § .29.14; Rem. Supp. 1947 § 45.29.14.]
WA Rev Code § 48.29.143 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.143 - Premium rates—Actuarially sound estimates.

RCW 48.29.143 Premium rates—Actuarially sound estimates.(1) Premium rates for the insuring or guaranteeing of titles shall not be excessive, inadequate, or unfairly discriminatory.(2) A rate is not excessive, inadequate, or unfairly discriminatory if it is an actuarially sound estimate of the expected value of all future costs associated with an individual risk transfer. Such costs include claims, claim settlement expenses, operational and administrative expenses, and the cost of capital.[ 2008 c 110 § 4.]
WA Rev Code § 48.29.148 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.148 - Form and rate filings by rating organization.

RCW 48.29.148 Form and rate filings by rating organization.If so authorized by an insurer that is a member or subscriber of a rating organization, the commissioner shall accept, in lieu of filings by the insurer, form and rate filings on its behalf made by a rating organization then licensed as provided in this chapter. Rate filings accepted by the commissioner become effective only as provided in RCW 48.29.147. Form filings accepted by the commissioner become effective only as provided in chapter 48.18 RCW.[ 2017 c 103 § 3.]
WA Rev Code § 48.29.149 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.149 - Form and rate filings by rating organization—Deviation.

RCW 48.29.149 Form and rate filings by rating organization—Deviation.Every member or subscriber to a rating organization shall adhere to the filings made on its behalf by such rating organization. Deviations from the rating organization's filings are permitted only when filed with the commissioner in accordance with this title. A copy of the deviation filing must be sent simultaneously to such rating organization. [ 2017 c 103 § 14.]
WA Rev Code § 48.29.150 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.150 - Taxation of title insurers.

RCW 48.29.150 Taxation of title insurers.Title insurers and their property shall be taxed by this state in accordance with the general laws relating to taxation, and not otherwise.[1947 c 79 § .29.15; Rem. Supp. 1947 § 45.29.15.]
WA Rev Code § 48.29.160 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.160 - Agents—County tract indexes required.

RCW 48.29.160 Agents—County tract indexes required.To be licensed as [an] agent of a title insurer, the applicant must own or lease and maintain a complete set of tract indexes of the county or counties in which such agent will do business.[ 1981 c 223 § 1.]
WA Rev Code § 48.29.170 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.170 - Agents—Separate licenses for individuals not required.

RCW 48.29.170 Agents—Separate licenses for individuals not required.Title insurance agents are exempt from the provisions of *RCW 48.17.180(1) that require that each individual empowered to exercise the authority of a licensed firm or corporation must be separately licensed.[ 2005 c 223 § 18; 1981 c 223 § 2.]NOTES:*Reviser's note: RCW 48.17.180 was amended by 2007 c 117 § 15, deleting subsection (1), effective July 1, 2009.
WA Rev Code § 48.29.180 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.180 - Disclosure of energy conservation payment obligations—Informational note—Liability.

RCW 48.29.180 Disclosure of energy conservation payment obligations—Informational note—Liability.The existence of notices of payment obligations in RCW 80.28.065 may be disclosed as an informational note to a preliminary commitment for policy of title insurance. Neither the inclusion nor the exclusion of any such informational note shall create any liability against such title insurer under any preliminary commitment for title insurance, policy or otherwise.[ 1993 c 245 § 4.]NOTES:Findings—Intent—1993 c 245: See note following RCW 80.28.065.
WA Rev Code § 48.29.193 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.193 - Escrow services—Schedule of fees filed with commissioner.

RCW 48.29.193 Escrow services—Schedule of fees filed with commissioner.(1) Each title insurer and title insurance agent shall immediately file with the commissioner a schedule of its fees for providing escrow services.(2) The schedule shall:(a) Be dated to show the date the fees for providing escrow services are to become effective, which date shall be no earlier than fifteen days after the schedule has been filed with the commissioner; and(b) Set forth the total fees for providing escrow services by clearly stating the amounts to be charged for the escrow services, the manner in which the fees for the escrow services are to be determined, and any charges that will be charged to the consumer that are not included in the total escrow fee.[ 2008 c 110 § 6.]
WA Rev Code § 48.29.195 (2021)
2021 Revised Code of Washington|Title 48 - Insurance|Chapter 48.29 - Title Insurers.|48.29.195 - Escrow services—Schedule of fees made available to public.

RCW 48.29.195 Escrow services—Schedule of fees made available to public.(1) Each title insurer and title insurance agent shall make available to the public schedules of its currently effective title insurance premiums and fees for providing escrow services.(2) The schedules shall:(a) Be dated to show the date the title insurance premiums or fees for providing escrow services became effective;(b) Be made available to the public during normal business hours in each office of the title insurer and its appointed title insurance agents in this state;(c) Be made available on the title insurer's and title insurance agent's website, if the title insurer or title insurance agent has a website;(d) Set forth the total title insurance premium charged for the title insurance policy issued by the title insurer either by stating the premium for each title insurance policy in given amounts of coverage, or by stating the charge per unit amount of coverage, or by a combination of the two; and(e) Set forth the total fees for providing escrow services by clearly stating the amounts to be charged for the escrow services, the manner in which the fees for the escrow services are to be determined, and any charges that will be charged to the consumer that are not included in the total escrow fee.(3) Each title insurer and title insurance agent shall keep a complete file of its schedules of title insurance premiums and fees for providing escrow services and all changes and amendments to those schedules until at least one year after they have ceased to be in effect.[ 2008 c 110 § 7.]