reglab/housing_qa huggingface dataset:
TX Ins Code § 551.001 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter A. General Provisions|Section 551.001. Rules

Sec. 551.001.  RULES.  (a)  The commissioner may, as necessary, adopt and enforce reasonable rules, including notice requirements, relating to the cancellation and nonrenewal of any insurance policy regulated by the department under:(1)  Chapter 5;(2)  Chapter 1804, 1805, 2171, or 2301; or(3)  Subtitle C, D, E, or F, Title 10.(a-1)  Notwithstanding Subsection (a), Subsection (a) does not apply to:(1)  an insurance policy subject to Subchapter B or C of this chapter; or(2)  a marine insurance policy other than inland marine.(b)  In adopting rules under this section, the commissioner shall consider the reasonable needs of the public and the operations of the insurers.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2007, 80th Leg., R.S., Ch. 730 (H.B. 2636), Sec. 2D.012, eff. April 1, 2009.|
TX Ins Code § 551.002 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter A. General Provisions|Section 551.002. Written Statement of Reasons for Declination, Cancellation, or Nonrenewal

Sec. 551.002.  WRITTEN STATEMENT OF REASONS FOR DECLINATION, CANCELLATION, OR NONRENEWAL.  (a)  The commissioner shall require an insurer, on request by an applicant for insurance or a policyholder, to provide to the applicant or policyholder a written statement of the reasons for the declination, cancellation, or nonrenewal of an insurance policy to which Section 551.001 applies.(b)  An insurer's written statement giving the reasons for the declination, cancellation, or nonrenewal of an insurance policy must fully explain a decision that adversely affects an applicant for insurance or a policyholder by denying the applicant or policyholder insurance coverage or continued coverage.(c)  The statement must:(1)  state the precise incident, circumstance, or risk factors applicable to the applicant for insurance or the policyholder that violates any applicable guidelines;(2)  state the source of information on which the insurer relied regarding the incident, circumstance, or risk factors;  and(3)  specify any other information considered relevant by the commissioner.(d)  The commissioner shall adopt rules as necessary to implement this section.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 551.003 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter A. General Provisions|Section 551.003. Immunity From Liability

Sec. 551.003.  IMMUNITY FROM LIABILITY.  An insurer or agent or an employee of an insurer or agent is not liable, and a cause of action does not arise against that individual or entity, for a statement, disclosure, or communication made in good faith under this subchapter.  Immunity under this section does not apply to:(1)  disclosure of information known to be false;  or(2)  a disclosure made with malice or the wilful intent to injure any person.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 551.004 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter A. General Provisions|Section 551.004. Transfer Not Considered a Refusal to Renew

Sec. 551.004.  TRANSFER NOT CONSIDERED A REFUSAL TO RENEW.  For purposes of this chapter and Subchapters C and D, Chapter 1952, the transfer of a policyholder between admitted companies within the same insurance group is not considered a refusal to renew.|Added by Acts 2005, 79th Leg., Ch. 1295 (H.B. 2614), Sec. 4, eff. September 1, 2005.Amended by: Acts 2007, 80th Leg., R.S., Ch. 730 (H.B. 2636), Sec. 3B.024, eff. September 1, 2007.|
TX Ins Code § 551.005 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter A. General Provisions|Section 551.005. Membership Dues

Sec. 551.005.  MEMBERSHIP DUES.  (a)  In this section, "insurer" includes a county mutual insurance company, a Lloyd's plan, and a reciprocal or interinsurance exchange.(b)  Except as otherwise provided by law, an insurer may require that membership dues in its sponsoring organization be paid as a condition for issuance or renewal of a policy.|Added by Acts 2007, 80th Leg., R.S., Ch. 730 (H.B. 2636), Sec. 3B.0245, eff. September 1, 2007.Added by Acts 2007, 80th Leg., R.S., Ch. 921 (H.B. 3167), Sec. 9.0245(a), eff. September 1, 2007.|
TX Ins Code § 551.051 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter B. Cancellation and Nonrenewal of Certain Liability and Commercial Property Insurance Policies|Section 551.051. Definitions

Sec. 551.051.  DEFINITIONS.  In this subchapter:(1)  "Commercial property insurance" has the meaning assigned by Section 2251.002.(1-a)  "Insurer" means an insurance company or other entity admitted to engage in business and authorized to write liability insurance or commercial property insurance in this state, including a county mutual insurance company, a Lloyd's plan, and a reciprocal or interinsurance exchange.  The term does not include a county mutual fire insurance company that writes exclusively industrial fire insurance as described by Section 912.310 or a farm mutual insurance company.(2)  "Liability insurance" means:(A)  general liability insurance;(B)  professional liability insurance other than medical professional liability insurance;(C)  commercial automobile liability insurance;(D)  commercial multiperil insurance;  and(E)  any other type or line of liability insurance designated by the department.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2019, 86th Leg., R.S., Ch. 72 (S.B. 590), Sec. 2, eff. September 1, 2019.|
TX Ins Code § 551.052 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter B. Cancellation and Nonrenewal of Certain Liability and Commercial Property Insurance Policies|Section 551.052. Cancellation Prohibited; Exceptions

Sec. 551.052.  CANCELLATION PROHIBITED; EXCEPTIONS.  (a)  An insurer may not cancel a liability insurance or commercial property insurance policy that is a renewal or continuation policy.(b)  An insurer may not cancel a liability insurance or commercial property insurance policy during the initial policy term after the 60th day following the date on which the policy was issued.(c)  Notwithstanding Subsections (a) and (b), an insurer may cancel a liability insurance or commercial property insurance policy at any time during the term of the policy for:(1)  fraud in obtaining coverage;(2)  failure to pay premiums when due;(3)  an increase in hazard within the control of the insured that would produce a rate increase; or(4)  loss of the insurer's reinsurance covering all or part of the risk covered by the policy.(d)  Notwithstanding Subsections (a) and (b), an insurer may cancel a liability insurance or commercial property insurance policy at any time during the term of the policy if the insurer is placed in supervision, conservatorship, or receivership and the cancellation or nonrenewal is approved or directed by the supervisor, conservator, or receiver.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2019, 86th Leg., R.S., Ch. 72 (S.B. 590), Sec. 3, eff. September 1, 2019.|
TX Ins Code § 551.053 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter B. Cancellation and Nonrenewal of Certain Liability and Commercial Property Insurance Policies|Section 551.053. Written Notice of Cancellation Required

Sec. 551.053.  WRITTEN NOTICE OF CANCELLATION REQUIRED.  Not later than the 10th day before the date on which the cancellation of a liability insurance or commercial property insurance policy takes effect, an insurer must deliver or mail written notice of the cancellation to the first-named insured under the policy at the address shown on the policy.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2019, 86th Leg., R.S., Ch. 72 (S.B. 590), Sec. 3, eff. September 1, 2019.|
TX Ins Code § 551.054 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter B. Cancellation and Nonrenewal of Certain Liability and Commercial Property Insurance Policies|Section 551.054. Written Notice of Nonrenewal Required

Sec. 551.054.  WRITTEN NOTICE OF NONRENEWAL REQUIRED.  (a)  An insurer may refuse to renew a liability insurance or commercial property insurance policy if the insurer delivers or mails written notice of the nonrenewal to the first-named insured under the policy at the address shown on the policy.(b)  The notice must be delivered or mailed not later than the 60th day before the date on which the policy expires.  If the notice is delivered or mailed later than the 60th day before the date on which the policy expires, the coverage remains in effect until the 61st day after the date on which the notice is delivered or mailed.(c)  Earned premium for any period of coverage that extends beyond the expiration date of the policy shall be computed pro rata based on the previous year's rate.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2019, 86th Leg., R.S., Ch. 72 (S.B. 590), Sec. 4, eff. September 1, 2019.|
TX Ins Code § 551.055 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter B. Cancellation and Nonrenewal of Certain Liability and Commercial Property Insurance Policies|Section 551.055. Reason for Cancellation or Nonrenewal Required

Sec. 551.055.  REASON FOR CANCELLATION OR NONRENEWAL REQUIRED.  In a notice to an insured relating to cancellation or refusal to renew, an insurer must state the reason for the cancellation or nonrenewal.  The statement must comply with:(1)  Sections 551.002(b) and (c);  and(2)  rules adopted under Section 551.002(d).|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 551.056 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter B. Cancellation and Nonrenewal of Certain Liability and Commercial Property Insurance Policies|Section 551.056. Changes to Policy on Renewal

Sec. 551.056.  CHANGES TO POLICY ON RENEWAL.  (a)  In this section, "material change" means a change to a policy that, with respect to a previous or existing policy:(1)  reduces coverage;(2)  changes conditions of coverage; or(3)  changes the duties of the insured.(b)  A change to a liability insurance or commercial property insurance policy provision on renewal is not a nonrenewal or cancellation under this subchapter if the insurer provides the insured with written notice in accordance with this section of any material change in each form of the policy offered to the insured on renewal from the form of the policy held immediately before renewal.(c)  Notice provided under Subsection (b) must:(1)  appear in a conspicuous place in the notice of renewal;(2)  clearly indicate each material change to the policy being made on renewal;(3)  be written in plain language; and(4)  be provided to the insured not later than the 30th day before the renewal date.(d)  In addition to the notice to the insured provided under Subsection (b), if an insurer elects to make a material change to a policy form on renewal, not later than the 30th day before the earliest renewal date on which the new policy form is used, the insurer shall provide written notice to each agent of the insurer that clearly indicates each material change being made to the policy form.  An insurer may provide the notice to the agents in a single notice given to each agent of the insurer that summarizes substantially similar material changes to more than one policy form.(e)  This section does not apply if:(1)  the policy form meets at least one of the conditions in Section 2301.004 both before and after renewal of the policy; or(2)  before the renewal date:(A)  the insured requests the change; or(B)  the insured and the insurer agree to the change.|Added by Acts 2019, 86th Leg., R.S., Ch. 72 (S.B. 590), Sec. 5, eff. September 1, 2019.|
TX Ins Code § 551.101 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter C. Declination, Cancellation, and Nonrenewal Of|Section 551.101. Definition

Sec. 551.101.  DEFINITION.  In this subchapter, "insurer" means any authorized insurer writing property and casualty insurance in this state, including:(1)  a county mutual insurance company;(2)  a Lloyd's plan;(3)  a reciprocal or interinsurance exchange;  and(4)  a farm mutual insurance company.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 551.102 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter C. Declination, Cancellation, and Nonrenewal Of|Section 551.102. Applicability of Subchapter

Sec. 551.102.  APPLICABILITY OF SUBCHAPTER.  This subchapter applies only to:(1)  a personal automobile insurance policy, other than a policy written through the Texas Automobile Insurance Plan Association;(2)  a homeowners or farm or ranch owners insurance policy;(3)  a standard fire insurance policy insuring:(A)  a one-family dwelling or a duplex;  or(B)  the contents of a one-family dwelling, a duplex, or an apartment;  or(4)  an insurance policy providing property and casualty coverage, other than a fidelity, surety, or guaranty bond, to:(A)  this state;(B)  an agency of this state;(C)  a political subdivision of this state, including:(i)  a municipality or county;(ii)  a school district or junior college district;(iii)  a levee improvement district, drainage district, or irrigation district;(iv)  a water improvement district, water control and improvement district, or water control and preservation district;(v)  a freshwater supply district;(vi)  a navigation district;(vii)  a conservation and reclamation district;(viii)  a soil conservation district;(ix)  a communication district;  and(x)  a river authority;  or(D)  any other governmental agency whose authority is derived from the laws or constitution of this state.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 551.103 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter C. Declination, Cancellation, and Nonrenewal Of|Section 551.103. Cancellation

Sec. 551.103.  CANCELLATION.  For the purposes of this subchapter, an insurer has canceled an insurance policy if the insurer, without the consent of the insured:(1)  terminates coverage provided under the policy;(2)  refuses to provide additional coverage to which the insured is entitled under the policy; or(3)  except as provided by Section 551.1055, reduces or restricts coverage under the policy by endorsement or other means.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2017, 85th Leg., R.S., Ch. 60 (S.B. 417), Sec. 1, eff. September 1, 2017.|
TX Ins Code § 551.1041 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter C. Declination, Cancellation, and Nonrenewal Of|Section 551.1041. Rulemaking Authority Relating to Notice of Cancellation of Certain Personal Automobile Insurance Coverages

Sec. 551.1041.  RULEMAKING AUTHORITY RELATING TO NOTICE OF CANCELLATION OF CERTAIN PERSONAL AUTOMOBILE INSURANCE COVERAGES.  The commissioner shall exercise the commissioner's rulemaking authority to adopt rules under which an insurer that cancels a personal automobile insurance policy that provides comprehensive or collision physical damage coverage for an automobile that is subject to a purchase money lien is required to notify the lienholder, if known, that the coverage will be canceled.|Added by Acts 2017, 85th Leg., R.S., Ch. 752 (S.B. 1450), Sec. 3, eff. September 1, 2017.|
TX Ins Code § 551.105 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter C. Declination, Cancellation, and Nonrenewal Of|Section 551.105. Nonrenewal of Policies; Notice Required

Sec. 551.105.  NONRENEWAL OF POLICIES; NOTICE REQUIRED. Unless the insurer has mailed written notice of nonrenewal or renewal with written notice of change in coverage as provided by Section 2002.001 to the insured not later than the 30th day before the date on which the insurance policy expires, an insurer must renew an insurance policy, at the request of the insured, on the expiration of the policy. Notwithstanding the failure of an insurer to comply with this section, the policy shall terminate on the effective date of any replacement or succeeding insurance policy with another carrier with respect to the insured (a)  personal automobile, (b)  home, farm, ranch, dwelling, duplex, or apartment, or (c)  other real or personal property.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2011, 82nd Leg., R.S., Ch. 527 (H.B. 2382), Sec. 1, eff. September 1, 2011.Acts 2011, 82nd Leg., R.S., Ch. 1018 (H.B. 2655), Sec. 2, eff. September 1, 2011.|
TX Ins Code § 551.1053 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter C. Declination, Cancellation, and Nonrenewal Of|Section 551.1053. Mandatory Nonrenewal of Private Passenger Automobile Insurance Policies

Sec. 551.1053.  MANDATORY NONRENEWAL OF PRIVATE PASSENGER AUTOMOBILE INSURANCE POLICIES.  (a)  If an insured under a private passenger automobile insurance policy fails or refuses to cooperate with an insurer in the investigation, settlement, or defense of a claim or action or the insurer is unable to contact the insured using reasonable efforts for those purposes, the insurer shall provide written notice to the named insured that states:(1)  how the insured failed or refused to cooperate, including failure as a result of the insurer's inability to contact the insured;(2)  the claim or action for which the insurer is requesting cooperation; and(3)  the insurer will not renew the policy if the insured continues to fail or refuse to cooperate.(b)  Notwithstanding Sections 551.105 and 551.106, an insurer may not renew a private passenger automobile insurance policy if the named insured fails or refuses to cooperate with the insurer in the investigation, settlement, or defense of the claim or action described by the notice provided under Subsection (a).|Added by Acts 2021, 87th Leg., R.S., Ch. 886 (S.B. 1602), Sec. 1, eff. September 1, 2021.|
TX Ins Code § 551.1055 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter C. Declination, Cancellation, and Nonrenewal Of|Section 551.1055. Changes to Policy on Renewal

Sec. 551.1055.  CHANGES TO POLICY ON RENEWAL.  (a)  In this section, "material change" means a change to a policy that, with respect to a prior or existing policy:(1)  reduces coverage;(2)  changes conditions of coverage; or(3)  changes the duties of the insured.(b)  Notwithstanding Section 551.103, a change to a policy provision on renewal is not a nonrenewal or cancellation under this subchapter if the insurer provides the insured with written notice in accordance with this section of any material change in each form of the policy offered to the insured on renewal from the form of the policy held immediately before renewal.(c)  Notice provided under Subsection (b) must:(1)  appear in a conspicuous place in the notice of renewal;(2)  clearly indicate each material change to the policy being made on renewal;(3)  be written in plain language; and(4)  be provided to the insured not later than the 30th day before the renewal date.(d)  In addition to the notice to the insured provided under Subsection (b), if an insurer elects to make a material change to a policy form on renewal, not later than the 30th day before the earliest renewal date on which the new policy form is used, the insurer shall provide written notice to each agent of the insurer that clearly indicates each material change being made to the policy form.  An insurer may provide the notice to the agents in a single notice given to each agent of the insurer that summarizes substantially similar material changes to more than one policy form.(e)  Notwithstanding this section, for a personal automobile insurance policy, an insurer must comply with Sections 551.105 and 551.106(b).|Added by Acts 2017, 85th Leg., R.S., Ch. 60 (S.B. 417), Sec. 2, eff. September 1, 2017.|