reglab/housing_qa huggingface dataset:
SC Code § 38-75-380 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-380. Liability for inspections and statements concerning risk.

 There may be no liability on the part of and no cause of action of any nature may arise against the department or any of its staff or the association or its agents, employees, or any participating insurer for any inspections made hereunder or any statements made in good faith by them in any reports or communications concerning risk submitted to the association or at any administrative hearings conducted in connection with it under the provisions of this article.  HISTORY: Former 1976 Code Section 38-39-80 [1962 Code Section 37-782; 1971 (57) 744] recodified as Section 38-75-380 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 793; 2007 Act No. 78, Section 10, eff June 11, 2007, applicable to taxable years beginning after December 31, 2006.
SC Code § 38-75-385 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-385. Liability for acts or omissions under this article.

 There is no liability on the part of, and no cause of action of any nature may arise against, any member insurer, the association's agents or employees, the board of directors, or the director, his designees, or his representatives for any act or omission in the performance of their powers and duties under this article. This section does not relieve the association of any of its liability.  HISTORY: 1988 Act No. 479, Section 1; 1993 Act No. 181, Section 793; 2007 Act No. 78, Section 10, eff June 11, 2007, applicable to taxable years beginning after December 31, 2006.
SC Code § 38-75-386 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-386. Essential property insurance; liability for acts and omissions.

 No liability on the part of, and no cause of action of any nature may arise against, the director, the Department of Insurance or its staff, the association, any member insurer, the association's agents or employees, its board of directors, or the legal representatives of any of the above persons, for any act or omission made in good faith or for any statement made to, or for information provided to, any insurer regarding rates; premiums; classifications; cancellations, determinations, or nonrenewals of coverage; underwriting; inspections; or claims experience history made to facilitate the underwriting of essential property insurance for risks in the coastal area by private insurers or to facilitate competition for the underwriting of essential property insurance for risks in the coastal area among private insurers.  HISTORY: 1996 Act No. 360 Section 2 and 1996 Act No. 378, Section 2; 2007 Act No. 78, Section 10, eff June 11, 2007, applicable to taxable years beginning after December 31, 2006.
SC Code § 38-75-390 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-390. Cession of essential property insurance to Association.

 A member of the association who is designated to receive and write essential property insurance from or through the association shall cede one hundred percent to the association the essential property insurance.  HISTORY: Former 1976 Code Section 38-39-90 [1962 Code Section 37-778; 1971 (57) 744] recodified as Section 38-75-390 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 793; 2007 Act No. 78, Section 10, eff June 11, 2007, applicable to taxable years beginning after December 31, 2006.
SC Code § 38-75-400 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-400. Rates.

 (A) The rates, rating plans, and rating rules applicable to the insurance written by the association are those approved for use of the association by the director or his designee. Surcharges may be used as approved by the director or his designee. Rates may include rules for classification of risks insured under the provisions of this article and rate modifications of it.  (B) As a residual market mechanism, the association is not intended to offer rates competitive with the admitted market. Rates for policies issued by the association must be adequate and established at a level that permits the association to operate as a self-sustaining mechanism. The association shall maintain the necessary rate-making data in order to permit the actuarial determination of rates and rating plans appropriate for the business insured by the association. The association shall monitor rate adequacy and shall notify the director semi-annually to enable the director to take corrective action by an order. Rates adjusted by a corrective action order are exempt from the twelve-month limitation requirement of Section 38-73-920. The corrective action order is subject to judicial review by the Administrative Law Court.  HISTORY: Former 1976 Code Section 38-39-100 [1962 Code Section 37-779; 1971 (57) 744] recodified as Section 38-75-400 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 793; 2007 Act No. 78, Section 10, eff June 11, 2007, applicable to taxable years beginning after December 31, 2006.
SC Code § 38-75-410 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-410. Appeals; hearings upon appeal.

 (A) A person insured pursuant to this article or his representative or a member company who is aggrieved by an act, ruling, or decision of the association:  (1) regarding rates, classification of risks, assessments, voluntary credits, cancellation or termination of policies, or underwriting shall appeal to the director or his designee within sixty days after the act, ruling, or decision;  (2) other than those specified in item (1), may appeal to the director or his designee within thirty days after the act, ruling, or decision.  (B) A hearing held by the director or his designee pursuant to this section must be in accordance with the procedures set forth in Chapter 3, Title 38 and Article 3, Chapter 23, Title 1, "Administrative Procedures".  HISTORY: Former 1976 Code Section 38-39-110 [1962 Code Section 37-780; 1971 (57) 744] recodified as Section 38-75-410 by 1987 Act No. 155, Section 1; 1992 Act No. 342, Section 3; 1993 Act No. 181, Section 793; 2007 Act No. 78, Section 10, eff June 11, 2007, applicable to taxable years beginning after December 31, 2006.
SC Code § 38-75-420 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-420. Reports of inspection by Association.

 All reports of inspection performed by or on behalf of the association must be made available to the members of the association, applicants, agents, brokers, and the department.  All reports of inspection performed by or on behalf of the association must be made available to the members of the association, applicants, agent, broker, and the department.  HISTORY: Former 1976 Code Section 38-39-120 [1962 Code Section 37-781; 1971 (57) 744] recodified as Section 38-75-420 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 793; 2007 Act No. 78, Section 10, eff June 11, 2007, applicable to taxable years beginning after December 31, 2006.
SC Code § 38-75-430 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-430. Association shall file statement of transactions and the like; additional information.

 The association shall file with the department by March thirty-first of each year a statement which summarizes the transactions, conditions, operations, and affairs of the association during the preceding fiscal year ending October thirty-first. The statement must contain any matters and information prescribed by the department and must be in the form required by it. The department may at any time require the association to furnish to it any additional information with respect to its transactions or any other matter which it considers material to assist it in evaluating the operation and experience of the association.  HISTORY: Former 1976 Code Section 38-39-130 [1962 Code Section 37-783; 1971 (57) 744; 1976 Act No. 529] recodified as Section 38-75-430 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 793; 2007 Act No. 78, Section 10, eff June 11, 2007, applicable to taxable years beginning after December 31, 2006.
SC Code § 38-75-440 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-440. Examination into affairs of Association.

 The department may make an examination into the affairs of the association and in undertaking the examination may hold a public hearing. The expense of the examination must be borne and paid by the association.  HISTORY: Former 1976 Code Section 38-39-140 [1962 Code Section 37-784; 1971 (57) 744] recodified as Section 38-75-440 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 793; 2007 Act No. 78, Section 10, eff June 11, 2007, applicable to taxable years beginning after December 31, 2006.
SC Code § 38-75-450 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-450. Regulations.

 The department has authority to make reasonable regulations, not inconsistent with law, to enforce, carry out, and make effective the provisions of this article after notice and hearing before the Administrative Law Court.  HISTORY: Former 1976 Code Section 38-39-150 [1962 Code Section 37-785; 1971 (57) 744] recodified as Section 38-75-450 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 793; 2007 Act No. 78, Section 10, eff June 11, 2007, applicable to taxable years beginning after December 31, 2006.
SC Code § 38-75-480 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-480. Loss mitigation grant program; establishment; purpose.

 (A) There is established within the Department of Insurance a loss mitigation grant program. Funds may be appropriated to the grant program, and any funds appropriated must be used for the purpose of making grants to local governments or for the study and development of strategies for reducing loss of life and mitigating property losses due to hurricane, flood, earthquake, and fire. Grants to local governments must be for the following purposes:  (1) mitigating losses for eligible residential properties within the local jurisdiction in accordance with the guidelines established by the director or his designee; and  (2) providing technical assistance to and acting as an information resource for local governments in the development of proactive hazard mitigation strategies as they relate to reducing the loss of life and mitigating property losses due to natural hazards to include hurricane, flood, earthquake, and fire.  (B) Funds may be appropriated for a particular grant only after a majority affirmative vote on each grant by the advisory committee and submission of a resolution approved by a majority of the members of the relevant local governing body approving the application for grant funds.  (C) The Department of Insurance may make application and enter into contracts for and accept grants in aid from federal and state government and private sources for the purposes of:  (1) mitigating losses for eligible residential properties in accordance with the guidelines established by the director or his designee; and  (2) conducting loss mitigation studies for the development of strategies or measures aimed at reducing loss of life and mitigating property losses due to hurricane, flood, earthquake, and fire; or  (3) any other purposes consistent with this article.  HISTORY: 1997 Act No. 123, Section 5; 2000 Act No. 312, Section 21; 2007 Act No. 78, Section 11, eff June 11, 2007, applicable to taxable years beginning after December 31, 2006; 2017 Act No. 28 (S.315), Section 2, eff May 10, 2017.  Effect of Amendment  2017 Act No. 28, Section 2, rewrote the section, providing that grants may be made to local governments to mitigate losses and provide technical assistance for the development of proactive hazard mitigation strategies and allowing the Department of Insurance to accept grants in aid for the mitigation of losses for eligible properties.
SC Code § 38-75-490 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-490. Development of rating system to evaluate relative ability of coastal property to withstand wind load from hurricane.

 (A) The Department of Insurance, in consultation with the Department of Consumer Affairs, the Department of Commerce, the Federal Alliance for Safe Homes, the Manufactured Housing Institute of South Carolina, South Carolina Building Codes Council, the Home Builders Association of South Carolina, the Civil Engineering Department of Clemson University, and the Institute for Business and Homes Safety shall study and prepare a proposal to develop an objective rating system that will allow homeowners to evaluate the relative ability of South Carolina's coastal properties to withstand the wind load from a hurricane.  (B) The rating system must be designed in a manner the property owner may easily understand, based on proven readily verifiable mitigation techniques and devices, and able to be implemented through a visual inspection program. The rating system must be designed to facilitate a home inspection process to determine a home's existing as well as projected wind resistance capabilities.  (C) The rating system must contemplate the use of certified wind resistance and loss mitigation inspectors.  (D) The department must provide a report to the Governor, the President of the Senate, and the Speaker of the House of Representatives by March 5, 2008, detailing the nature and construction of the rating scale, its projected effectiveness based on implementation in a pilot program, an operational plan for statewide implementation of the rating scale, and any recommendations for additional legislation.  HISTORY: 2007 Act No. 78, Section 11, eff June 11, 2007, applicable to taxable years beginning after December 31, 2006.  Editor's Note  2019 Act No. 1, Section 97, provides as follows:  "SECTION 97. The Code Commissioner is directed to change all references to 'President Pro Tempore', 'President Pro Tempore of the Senate', or 'President of the Senate Pro Tempore' not specifically addressed in this act to 'President of the Senate'."ARTICLE 9  Cancellation, Nonrenewal, and Renewal of Property Insurance and Casualty Insurance
SC Code § 38-75-710 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-710. Scope of article.

 This article applies to all property insurance and casualty insurance, as defined in Section 38-1-20, except for automobile insurance and any other type of property or casualty insurance as to which there are specific statutory provisions of law governing cancellation, nonrenewal, or renewal of policies. This article further applies to policies issued by licensed insurers and to policies issued by eligible surplus lines insurers.  HISTORY: Former 1976 Code Section 38-9-810 [1986 Act No. 338] recodified as Section 38-75-710 by 1987 Act No. 155, Section 1; 1988 Act No. 314, Section 11.
SC Code § 38-75-720 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-720. Definitions.

 For the purposes of this article:  (1) "Renewal" or "to renew" means the issuance of or the offer to issue by an insurer a policy succeeding a policy previously issued and delivered by the same insurer or an insurer within the same group of insurers, or the issuance of a certificate or notice extending the term of an existing policy for a specified period beyond its expiration date.  (2) "Nonpayment of premium" means the failure or inability of the named insured to discharge when due any obligation in connection with the payment of premiums on a policy of insurance subject to this article, whether such payment is payable directly to the insurer or its agent or indirectly payable under a premium finance plan or extension of credit.  (3) "Cancellation" means termination of a policy at a date other than its expiration date.  (4) "Expiration date" means the date upon which coverage under a policy ends. It also means, for a policy written for a term longer than one year or with no fixed expiration date, each annual anniversary date of such policy.  (5) "Nonrenewal" means termination of a policy at its expiration date.  HISTORY: Former 1976 Code Section 38-9-820 [1986 Act No. 338] recodified as Section 38-75-720 by 1987 Act No. 155, Section 1.
SC Code § 38-75-740 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-740. Restrictions on nonrenewal of policies.

 (a) No insurance policy may be nonrenewed by an insurer except in accordance with the provisions of this section or Section 38-75-730, and any nonrenewal attempted which is not in compliance with this section or Section 38-75-730 is ineffective.  (b) A policy written for a term of one year or less may be nonrenewed by the insurer at its expiration date by giving or mailing written notice of nonrenewal to the insured and the agent of record, if any, not less than sixty days prior to the expiration date of the policy.  (c) Subject to subsection (c) of Section 38-75-760, a policy written for a term of more than one year or for an indefinite term may be nonrenewed by the insurer at its anniversary date by giving or mailing written notice of nonrenewal to the insured and the agent of record, if any, not less than sixty days prior to the anniversary date of the policy.  (d) The notice required by this section must be given or mailed to the insured and the agent at their addresses shown in the policy or, if not reflected therein, at their last known addresses. Proof of mailing is sufficient proof of notice.  (e) Any notice of nonrenewal shall state the precise reason for nonrenewal.  HISTORY: Former 1976 Code Section 38-9-840 [1986 Act No. 338] recodified as Section 38-75-740 by 1987 Act No. 155, Section 1; 2007 Act No. 78, Section 14, eff June 11, 2007, applicable to taxable years beginning after December 31, 2006; 2021 Act No. 13 (H.3585), Section 7, eff April 12, 2021.  Effect of Amendment  2021 Act No. 13, Section 7, in (b), deleted "for any nonrenewal that would be effective between November first and May thirty-first and not less than ninety days for any nonrenewal that would be effective between June first and October thirty-first" following "date of the policy"; and in (c), deleted "for any nonrenewal that is effective between November first and May thirty-first and not less than ninety days prior to the anniversary date of the policy for any nonrenewal that is effective between June first and October thirty-first" following "date of the policy".
SC Code § 38-75-750 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-750. Requirements for renewal of policies.

 (a) If an insurer intends to renew a policy, the insurer shall furnish renewal terms and a statement of the amount of premium or estimated premium due for the renewal policy period in the manner required by this section.  (b) If the policy being renewed (hereinafter "original policy") is written for a term of one year or less, the renewal terms and statement of premium or estimated premium due must be furnished to the insured not less than thirty days prior to the expiration date of the original policy.  (c) If the original policy is written for a term of more than one year or for an indefinite term, the renewal terms and statement of premium or estimated premium due must be furnished to the insured not less than thirty days prior to the anniversary date of the original policy.  (d) The insurer may satisfy its obligation to furnish renewal terms and statement of premium or estimated premium due by either of the following methods:  (1) mailing or delivering renewal terms and statement to the insured at his address shown in the policy or, if not reflected therein, at his last known address, not less than thirty days prior to expiration or anniversary; or  (2) mailing or delivering renewal terms and statement to the agent of record, if any, not less than forty-five days prior to expiration or anniversary, along with instructions that the agent furnish the renewal terms and statement to the insured not less than thirty days prior to expiration or anniversary.  (e) If the insurer fails to furnish the renewal terms and statement of premium or estimated premium due in the manner required by this section, the insured may elect to cancel the renewal policy within the thirty-day period following receipt of the renewal terms and statement of premium or estimated premium due. Earned premium for any period of coverage must be calculated pro rata based upon the premium applicable to the original policy and not the premium applicable to the renewal policy.  HISTORY: Former 1976 Code Section 38-9-850 [1986 Act No. 338] recodified as Section 38-75-750 by 1987 Act No. 155, Section 1.
SC Code § 38-75-760 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-760. Unlawful practices involving cancellation, nonrenewal, or renewal of policies.

 (a) It is unlawful for any insurer to cancel, nonrenew, or renew a policy of insurance except in compliance with the requirements of this article.  (b) Midterm cancellation of an entire block, line, or class of business is presumed to be unfair, inequitable, and contrary to the public interest and is unlawful.  (c) If a policy has been issued for a term longer than one year and for additional premium consideration renewal of the policy or an annual premium has been guaranteed, it is unlawful for the insurer to refuse to renew the policy or to increase the annual premium during the term of that policy.  HISTORY: Former 1976 Code Section 38-9-860 [1986 Act No. 338] recodified as Section 38-75-760 by 1987 Act No. 155, Section 1.
SC Code § 38-75-770 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-770. Notice requirements for eligible surplus lines insurers.

 For eligible surplus lines insurers, the timely giving of all notices required by this article to the licensed broker who placed the insurance and represents the insured is considered notice to the insured.  HISTORY: Former 1976 Code Section 38-9-870 [1986 Act No. 338] recodified as Section 38-75-770 by 1987 Act No. 155, Section 1; 1988 Act No. 314, Section 12.