Part 1.
TEXAS DEPARTMENT OF INSURANCE
Chapter 5.
PROPERTY AND CASUALTY INSURANCE
Subchapter E. TEXAS WINDSTORM INSURANCE ASSOCIATION
The Commissioner of Insurance adopts amendments to §§5.4101,
5.4201, 5.4401 and 5.4501 concerning the adoption by reference of Texas Windstorm
Insurance Association (TWIA) dwelling, commercial, and mobile home policy
forms, new increased cost of construction endorsements for use with the dwelling
and commercial policy forms, and manual rules and rates applicable to the
two new endorsements. The proposed amendments were published in the September
23, 2005, issue of the
Texas Register
(30
TexReg 6030). The amendments to §5.4101, which adopt by reference the
amended dwelling policy and commercial policy forms, are adopted with changes
to the proposed text of both the amendments to §5.4101 and to the policy
forms. The amendments to §5.4401, which adopt by reference the amended
mobile home policy form, are adopted with changes to the proposed text of
both the amendments to §5.4401 and to the policy form. The amendments
to §5.4201, which adopt by reference two new endorsements, Form No. TWIA-431,
Extension of Coverage Increased Cost of Construction (Dwelling) and Form No.
TWIA-432, Extension of Coverage Increased Cost of Construction (Commercial)
are adopted with changes to the proposed text of the amendments to §5.4201
and without changes to the proposed text of the two endorsements. The amendment
to §5.4201, which proposed to adopt by reference an amended endorsement
Form No. TWIA-320, Extensions of Coverage, is withdrawn. The amendments to §5.4501,
which adopt by reference new manual rules and rates for use with the increased
cost of construction endorsements are adopted with changes to the proposed
text of the amendments to §5.4501 and without changes to the proposed
text of the manual rules and rates.
The adoption of the amendments to §§5.4101, 5.4201, 5.4401 and
5.4501 was proposed by the TWIA in a petition filed with the Texas Department
of Insurance (Department) on December 1, 2004 (Ref. No. P-1204-22). The Commissioner
held a public hearing on the proposed amendments on October 20, 2005, Docket
No. 2624. The purpose of the TWIA, which was created pursuant to the Insurance
Code Article 21.49, is to provide windstorm and hail insurance coverage to
residents and businesses in the designated catastrophe areas along the Texas
coast that are unable to obtain such coverage in the voluntary market. The
availability of such coverage encourages economic development and stability
in the designated areas. The amendments to the TWIA dwelling and commercial
policy forms, which are adopted by reference in §5.4101, exclude coverage
under the dwelling and commercial policies for any loss or damage caused by
or resulting from asbestos as well as for any additional cost or expense to
test for, clean up, or remove the effects of asbestos or asbestos-containing
materials. The amendments are necessary in order to clarify that the coverage
provided under each policy is for direct physical loss caused by windstorm
or hail to covered property containing asbestos materials. The petition filed
by the TWIA requested an exclusion in the coverage in the dwelling and commercial
policies for asbestos that included a provision that the TWIA would not in
any way respond to or assess the effects of asbestos or asbestos-containing
materials. A commenter objected to this part of the exclusion because the
proposed language is overly broad and could potentially exclude coverage that
should be provided in the TWIA policies. In response to the comment, the proposed
exclusion is changed to delete the language that provided that TWIA would
not in any way respond to or assess the effects of asbestos or asbestos-containing
materials. Also in response to comment, the proposed exclusion is changed
to clarify that TWIA does provide coverage for direct physical loss caused
by windstorm or hail to covered property containing asbestos materials. This
change is necessary to clarify coverage because windstorm reconstruction may
involve the removal of components of a building that were made of asbestos
or asbestos-containing materials, therefore, it is necessary to provide coverage
for direct physical loss caused by windstorm or hail to covered property containing
asbestos materials. The exclusion as adopted is consistent with the proposed
exclusion in that it excludes coverage for the additional cost or expense
to test for, monitor, clean up, remove, contain, treat, abate or assess the
effects of asbestos or asbestos-containing materials. The amendments to the
dwelling and commercial policy forms also make the current mold, fungi and
other microorganisms exclusion in both policy forms more consistent in wording
with the other exclusions contained in the policies. This is necessary for
consistency in policy exclusions and for purposes of clarity; no change in
coverage results from the amendment. The proposed amendment to the rain exclusion
in the dwelling policy, which was also part of the proposed changes to the
dwelling policy adopted by reference in §5.4101, was withdrawn by the
TWIA. The petition filed by the TWIA proposed to change the rain exclusion
in the dwelling policy to exclude rain damage unless direct force of wind
or hail first makes an opening in the walls or roof, and the loss is caused
"immediately" by rain entering a hole created by direct force of wind or hail.
A commenter objected to the use of the term "immediately" because the current
rain exclusion already eliminates coverage for the types of losses targeted
by the expanded exclusion. The commenter also expressed concerns that the
additional language would conflict with other areas of the policy, specifically
coverage for mold damaged material that must be repaired or replaced due to
a loss caused by windstorm or hail, including a loss that is hidden and concealed
for a period of time until detectable. As a result of the comment, the TWIA
withdrew the proposed amendment, and the current rain exclusion in the dwelling
policy is unchanged. This exclusion provides that loss or damage caused by
rain, whether driven by wind or not, is not covered unless the direct force
of wind or hail makes an opening in a roof or wall and rain enters through
the opening and causes the damage. The commercial policy currently has a rain
exclusion similar to the one proposed by the TWIA for the dwelling policy.
The new increased cost of construction endorsements, which are adopted
by reference in §5.4201, and the manual rules and rates for use with
the endorsements, which are adopted by reference in §5.4501, are necessary
to make available windstorm and hail coverage that is sufficient to pay for
windstorm and hail losses resulting from the increased cost of construction
due to an ordinance or law or the windstorm building code. Another proposed
amendment to §5.4201, which would have amended Form No. TWIA 320, Extensions
of Coverage, to provide additional coverage to rain-damaged property, was
withdrawn by the TWIA. The petition filed by the TWIA proposed the amendment
which provided that in consideration of additional premium, coverage would
be provided for sudden and accidental loss to the dwelling and personal property
caused immediately by wind-driven rain during a windstorm whether or not an
opening was first made in the dwelling by the direct force of wind or hail.
A commenter opposed the amendment because of the addition of the "sudden and
accidental" language to the cause of loss and the provision that the loss
must occur "immediately" during a windstorm. The commenter opined that because
the policy is limited to providing coverage for windstorm losses, the additional
language is redundant and would conflict with other provisions of the policy.
As a result of the comment, the TWIA withdrew the proposed amendment to Form
No. TWIA-320, Extensions of Coverage.
The amendments to §5.4401, which adopt by reference a revised Texas
Special Mobile Home Windstorm and Hail Insurance Policy (Mobile Home Policy)
add an asbestos exclusion and non-substantively amend the mold, fungi, or
other microorganism exclusion currently in the policy. The asbestos exclusion,
which is the same as the asbestos exclusion adopted for inclusion in the commercial
and dwelling policies, excludes coverage for any loss or damage caused by
or resulting from asbestos as well as any additional cost or expense to test
for, clean up, or remove the effects of asbestos or asbestos-containing materials.
This amendment to the policy form is necessary to clarify that the coverage
provided under the mobile home policy is for direct physical loss caused by
windstorm or hail to covered property containing asbestos materials. The petition
filed by the TWIA requested an exclusion in the mobile home policy for asbestos
that included the provision that the TWIA would not in any way respond to
or assess the effects of asbestos or asbestos-containing materials. A commenter
objected to this part of the exclusion because the proposed language is overly
broad and could potentially exclude coverage that should be provided in the
TWIA policies. In response to the comment, the proposed exclusion is changed
to delete the language that provided that TWIA would not in any way respond
to or assess the effects of asbestos or asbestos-containing materials. Also
in response to comment, the proposed exclusion is changed to clarify that
TWIA does provide coverage for direct physical loss caused by windstorm or
hail to covered property containing asbestos materials. This change is necessary
because covered windstorm reconstruction may involve the removal of components
of a building that were made of asbestos or asbestos-containing materials,
and therefore, it is necessary to continue coverage for direct physical loss
caused by windstorm or hail to covered property containing asbestos materials.
The exclusion as adopted is consistent with the proposed exclusion in that
it excludes coverage for the additional cost or expense to test for, monitor,
clean up, remove, contain, treat, abate or assess the effects of asbestos
or asbestos-containing materials. The amendment to the mold, fungi, or other
microorganism exclusion in the mobile home policy, which is the same as the
amendment adopted for inclusion in the commercial and dwelling policies, adds
introductory language to the exclusion that makes the wording more consistent
with the other exclusions contained in the mobile home policy. This is necessary
for consistency in policy exclusions and for purposes of clarity; no change
in coverage results from the amendment.
Lastly, amendments to the sections are needed to update titles and addresses;
incorporate consistent language in the rules: indicate a change in the effective
dates of the policy forms, endorsements, and manual rules and rates for use
with the endorsements; and eliminate obsolete references. The proposed effective
date for the amended dwelling, commercial, and mobile home policies; the two
new endorsements, Form No. TWIA-431 and Form No. TWIA-432; and the manual
rules and rates applicable to the new endorsements is changed from January
1, 2006 to July 15, 2006. This change is in response to a comment by the TWIA
and is necessary to enable the TWIA to send out renewals 90 days in advance
with the correct rates and premiums. None of the changes that have been made
to the proposal as published introduce new subject matter or affect additional
persons other than those subject to the proposal as originally published.
The amendment to §5.4101 adopts by reference an amended TWIA dwelling
policy form and an amended TWIA commercial policy form. The amendments to
the dwelling policy add an Exclusion No. 10 entitled "Asbestos" and add non-substantive
clarifying language to Exclusion No. 9, entitled "Mold, Fungi, or Other Microorganisms."
The amendments to the commercial policy add an Exclusion No. 11 entitled "Asbestos"
and add non-substantive clarifying language to Exclusion No. 10 entitled "Mold,
Fungi, or Other Microorganisms." The language in the exclusions is essentially
the same for both policies. The asbestos exclusion adopted in both policy
forms specifies that coverage is not provided for loss or damage caused by
or resulting from asbestos, including additional cost or expense to test for,
monitor, clean up, remove, contain, treat, abate or assess the effects of
asbestos or asbestos-containing materials. The exclusion, however, clarifies
that coverage is provided for direct physical loss caused by windstorm or
hail to covered property containing asbestos materials. The amendment to the
mold, fungi, or other microorganisms exclusion adds introductory language
to the exclusion to make the exclusion more consistent with the other exclusions
contained in the policies. The introductory language does not result in any
substantive change in policy provisions and reads as follows: "We do not cover
loss or damage caused by or resulting from fungi or mold, and other microorganisms,
except as provided [below]." The substantive provisions of the policy then
follow.
The amendments to §5.4201 adopt by reference two new increased cost
of construction endorsements and repeal the current increased cost of construction
endorsement. The new endorsements, Form No. TWIA-431, Extension of Coverage
- Increased Cost of Construction, for use on dwelling policies and Form No.
TWIA-432, Extension of Coverage - Increased Cost of Construction, for use
on commercial policies, provide coverage for increased cost of construction
to rebuild to current building laws or ordinances, including the increased
cost of construction to rebuild to the applicable windstorm building code.
The new endorsements also provide coverage for the demolition or repair of
an undamaged portion of a covered structure if necessary to meet the requirements
of the law or ordinance. Form No. TWIA-430, Extension of Coverage - Increased
Cost in Construction is repealed because it is replaced by the two new endorsements.
The amendments to §5.4401 adopt by reference an amended Texas Special
Mobile Home Windstorm and Hail Insurance Policy (Mobile Home Policy). The
amendments to the mobile home policy add a new exclusion entitled "Asbestos"
and non-substantively amend the exclusion for mold, fungi, or other microorganisms.
The language in the exclusions is essentially the same as the exclusions in
the dwelling and commercial policies. The asbestos exclusion specifies that
coverage is not provided for loss or damage caused by or resulting from asbestos
or the cost to test for, monitor, clean up, remove, contain, treat, abate
or in any way respond to or assess the effects of asbestos or asbestos-containing
materials. However, coverage continues to be provided for direct physical
loss caused by windstorm or hail to covered property containing asbestos materials.
The amendment to the mold, fungi, or other microorganisms exclusion adds introductory
language to the exclusion to make the exclusion more consistent in wording
with the other exclusions contained in the policies. The introductory language
does not result in any substantive change in policy provisions.
The amendments to §5.4501 adopt by reference the manual rules for
the attachment of the new increased cost of construction endorsements and
the corresponding rates for each of the new endorsements based on the limit
of liability for each building item selected by the insured. The limits of
liability available for both policies is 5%, 10%, 15%, or 25% of Coverage
A limit of liability. The rates for both policies are 7.0% of structure premium,
if 5% of Coverage A limit of liability is selected; 11.6% of structure premium,
if 10% of Coverage A limit of liability is selected; 14.0% of structure premium,
if 15% of Coverage A limit of liability is selected; and 15.7% of structure
premium, if 25% of Coverage A limit of liability is selected.
Comment: A commenter opposes the proposed amendment to the rain exclusion
in the dwelling policy, which would exclude rain damage unless direct force
of wind or hail first made an opening in the walls or roof of the described
building, and loss is caused "immediately" by rain entering through such openings.
The commenter asserts that the additional term "immediately" is unnecessary
because the exclusion already eliminates coverage for the types of losses
targeted by the additional language. The commenter also expresses concerns
that the additional language would conflict with other areas of the policy,
specifically coverage for mold damaged material that must be repaired or replaced
due to a loss caused by windstorm or hail, including a loss that is hidden
and concealed for a period of time until detectable.
Agency Response: The Department staff drafted alternative language to address
the commenter's concerns; however, as a result of the comment, the TWIA withdrew
the proposed amendment to the dwelling policy.
Comment: A commenter opposes the proposed amendment to Form No. TWIA-320,
Extensions of Coverage, which would have added "sudden and accidental" language
to the cause of loss and specified that the loss must occur "immediately"
by wind-driven rain "during a windstorm." The commenter opines that because
the policy is limited to providing coverage for windstorm losses, the additional
language is redundant and would conflict with other provisions of the policy.
Agency Response: Based on the comment, the TWIA withdrew the proposed amendments
to the wind-driven rain coverage provided in Form No. TWIA-320, Extensions
of Coverage.
Comment: A commenter opposes language in the proposed asbestos exclusion
in the commercial policy, the dwelling policy, and the mobile home policy,
because it is overly broad, and could potentially exclude coverage that should
be provided in the TWIA policies. The specific language in question reads:
"[TWIA would not] in any way respond to or assess the effects of asbestos
or asbestos-containing material."
Agency Response: The Department agrees. The Department staff worked with
the TWIA and the commenter to resolve this concern. TWIA agreed to delete
the phrase "in any way respond to or assess the effects of asbestos or asbestos-containing
materials" from the proposed amendment to the commercial policy, the dwelling
policy and the mobile home policy. In addition, the proposed exclusion is
changed to specify that the TWIA does provide coverage for direct physical
loss caused by windstorm or hail to covered property containing asbestos materials.
The exclusion as adopted is consistent with the proposed exclusion in that
it excludes coverage for the additional cost or expense to test for, monitor,
clean up, remove, contain, treat, abate or assess the effects of asbestos
or asbestos-containing materials.
Comment: The Texas Windstorm Insurance Association requests that the effective
date of the new policy forms and endorsements be changed from May 1, 2006
to July 15, 2006 in order for the Association to send out renewals 90 days
in advance with the correct rates and premiums.
Agency Response: The Department agrees, and the effective date for the
dwelling, commercial, and mobile home policies, the endorsements Form No.
TWIA-431 and Form No. TWIA-432, and the manual rules and corresponding rates
for the new endorsements is changed to July 15, 2006.
For with changes: Office of Public Insurance Counsel and Texas Windstorm
Insurance Association.
3.
POLICY FORMS
28 TAC §5.4101
The amendments are adopted pursuant to Insurance Code Article
21.49 and §36.001. Pursuant to Article 21.49 §8, the Commissioner
is authorized to promulgate policy forms and endorsements for use by the TWIA
in providing windstorm and hail insurance coverage without regard to other
forms filed with, approved by, or promulgated by the Commissioner for use
in this state, and further, the Commissioner is authorized to approve, modify,
or disapprove every manual of classifications, rules, rates, rating plans,
and every modification of any of the foregoing used by the TWIA. Article 21.49 §5A
provides that the Commissioner may, after notice and hearing, issue any orders
which the Commissioner considers necessary to carry out the purposes of Article
21.49, including, but not limited to, maximum rates, competitive rates, and
policy forms. Section 36.001 of the Insurance Code provides that the Commissioner
of Insurance may adopt any rules necessary and appropriate to implement the
powers and duties of the Texas Department of Insurance under the Insurance
Code and other laws of this state.
§5.4101.TWIA Dwelling and Commercial Policy Forms.
The Texas Department of Insurance adopts by reference the Texas Windstorm
Insurance Association Dwelling Policy and the Texas Windstorm Insurance Association
Commercial Policy as amended effective July 15, 2006. Specimen copies of these
policy forms are available from the Texas Windstorm Insurance Association,
P.O. Box 99090, Austin, Texas 78709-9090. They may also be obtained by contacting
the Personal Lines Division, Mail Code 104-1A, Texas Department of Insurance,
333 Guadalupe Street, Austin, Texas 78701.
This agency hereby certifies that the adoption has been reviewed
by legal counsel and found to be a valid exercise of the agency's legal authority.
Filed with the Office of
the Secretary of State on March 6, 2006.
TRD-200601422
Gene C. Jarmon
General Counsel and Chief Clerk
Texas Department of Insurance
Effective date: July 15, 2006
Proposal publication date: September 23, 2005
For further information, please call: (512) 463-6327
28 TAC §5.4201
The amendments are adopted pursuant to Insurance Code Article
21.49 and §36.001. Pursuant to Article 21.49 §8, the Commissioner
is authorized to promulgate policy forms and endorsements for use by the TWIA
in providing windstorm and hail insurance coverage without regard to other
forms filed with, approved by, or promulgated by the Commissioner for use
in this state, and further, the Commissioner is authorized to approve, modify,
or disapprove every manual of classifications, rules, rates, rating plans,
and every modification of any of the foregoing used by the TWIA. Article 21.49 §5A
provides that the Commissioner may, after notice and hearing, issue any orders
which the Commissioner considers necessary to carry out the purposes of Article
21.49, including, but not limited to, maximum rates, competitive rates, and
policy forms. Section 36.001 of the Insurance Code provides that the Commissioner
of Insurance may adopt any rules necessary and appropriate to implement the
powers and duties of the Texas Department of Insurance under the Insurance
Code and other laws of this state.
§5.4201.Endorsements for Use with TWIA Policy Forms.
The Texas Department of Insurance adopts by reference endorsements
for use with the Texas Windstorm Insurance Association (TWIA) Policy Forms.
Specimen copies of these endorsements are available from the Texas Windstorm
Insurance Association, P.O. Box 99090, Austin, Texas 78709-9090. They are
also available from the Personal Lines Division, Mail Code 104-1A, Texas Department
of Insurance, 333 Guadalupe Street, Austin, Texas 78701. The endorsement forms
are more specifically identified as follows.
(1)
Endorsements for use with the TWIA Dwelling Policy and
the TWIA Commercial Policy. Form No. TWIA-1, Blank Schedule Form, effective
June 15, 1999.
(2)
Endorsements for use with the TWIA Dwelling Policy and
the TWIA Commercial Policy and the Texas Special Mobile Home Windstorm and
Hail Insurance Policy.
(A)
Form No. TWIA-12, Assignment of Interest or Change in Mortgagee
or Trustee, effective June 15, 1999.
(B)
Form No. TWIA-23, Cancellation Report, effective June 15,
1999.
(C)
Form No. TWIA-77, General Change Endorsement, effective
June 15, 1999.
(D)
Form No. TWIA-112, Loss Payable Clause, effective June
15, 1999.
(E)
Form No. TWIA-113, Lost Policy Voucher, effective June
15, 1999.
(F)
Form No. TWIA-130, Mortgage Clause (Without Contribution),
effective June 15, 1999.
(G)
Form No. TWIA-151A, Premium Assignment Clause, effective
June 15, 1999.
(H)
Form No. TWIA-175, Sale Contract Clause, effective June
15, 1999.
(I)
Form No. TWIA-195, Sworn Statement in Proof of Loss, effective
June 15, 1999.
(3)
Endorsements for use with the TWIA Commercial Policy.
(A)
Form No. TWIA-18, Builders Risk--Stated Value Form, effective
June 15, 1999.
(B)
Form No. TWIA-21, Builders Risk--Actual Completed Value
Form, effective June 15, 1999.
(C)
Form No. TWIA-26, Church Form, effective June 15, 1999.
(D)
Form No. TWIA-65, Large Deductible Endorsement, effective
June 15, 1999.
(E)
Form No. TWIA-115, Lumber Form--Specific--Retail Yard,
effective June 15, 1999.
(F)
Form No. TWIA-164, Replacement Cost Endorsement, effective
June 15, 1999.
(G)
Form No. TWIA-176, School Form, effective June 15, 1999.
(H)
Form No. TWIA-280, Condominium Property Form--Additional
Policy Provisions, effective June 15, 1999.
(I)
Form No. TWIA-282, Condominium Property Form--Additional
Property Provisions, amended June 15, 1999.
(J)
Form No. TWIA-17, Business Income Coverage, effective May
1, 2001.
(K)
Form No. TWIA-432, Extension of Coverage--Increased Cost
of Construction (Commercial) effective July 15, 2006.
(4)
Endorsements for use with the TWIA Dwelling Policy.
(A)
Form No. TWIA-310, Extensions of Coverage, amended June
15, 1999.
(B)
Form No. TWIA-315, Extensions of Coverage, amended June
15, 1999.
(C)
Form No. TWIA-320, Extensions of Coverage, amended June
15, 1999.
(D)
Form No. TWIA-325, Extensions of Coverage, amended June
15, 1999.
(E)
Form No. TWIA-326, Extensions of Coverage, amended June
15, 1999.
(F)
Form No. TWIA-328, Extensions of Coverage, amended June
15, 1999.
(G)
Form No. TWIA-410, Conversion to Farm and Ranch Dwelling
Policy, effective June 15, 1999.
(H)
Form No. TWIA-431, Extension of Coverage--Increased Cost
of Construction (Dwelling), effective July 15, 2006.
(5)
Endorsements for use with the TWIA Dwelling Policy.
(A)
Form No. TWIA-330, Extensions of Coverage, amended June
15, 1999.
(B)
Form No. TWIA-335, Extensions of Coverage, amended June
15, 1999.
(C)
Form No. TWIA-340, Extensions of Coverage, amended June
15, 1999.
(D)
Form No. TWIA-345, Extensions of Coverage, amended June
15, 1999.
(E)
Form No. TWIA-350, Extensions of Coverage, amended June
15, 1999.
(F)
Form No. TWIA-365, Replacement Cost Endorsement--Personal
Property, amended June 15, 1999.
(G)
Form No. TWIA-400, Actual Cash Value--Roofs (One or Two
Family Dwellings), effective June 15, 1999.
(H)
Form No. TWIA-420, Exclusion of Cosmetic Damage to Roof
Coverings Caused by Hail, effective June 15, 1999.
(6)
Endorsements for use with the Texas Special Mobile Home
Windstorm and Hail Insurance Policy.
(A)
Form No. TWIA-29, Mandatory Endorsement, amended June 15,
1999.
(B)
Form No. TWIA-570, Mobile Home Percentage Deductible Clause
(Coastal Area), amended June 15, 1999.
(C)
Form No. TWIA-575, Mobile Home Percentage Deductible Clause
(Beach Area), amended June 15, 1999.
This agency hereby certifies that the adoption
has been reviewed by legal counsel and found to be a valid exercise of the
agency's legal authority.
Filed
with the Office of the Secretary of State on March 6, 2006.
TRD-200601423
Gene C. Jarmon
General Counsel and Chief Clerk
Texas Department of Insurance
Effective date: July 15, 2006
Proposal publication date: September 23, 2005
For further information, please call: (512) 463-6327
28 TAC §5.4401
The amendments are adopted pursuant to Insurance Code Article
21.49 and §36.001. Pursuant to Article 21.49 §8, the Commissioner
is authorized to promulgate policy forms and endorsements for use by the TWIA
in providing windstorm and hail insurance coverage without regard to other
forms filed with, approved by, or promulgated by the Commissioner for use
in this state, and further, the Commissioner is authorized to approve, modify,
or disapprove every manual of classifications, rules, rates, rating plans,
and every modification of any of the foregoing used by the TWIA. Article 21.49 §5A
provides that the Commissioner may, after notice and hearing, issue any orders
which the Commissioner considers necessary to carry out the purposes of Article
21.49, including, but not limited to, maximum rates, competitive rates, and
policy forms. Section 36.001 of the Insurance Code provides that the Commissioner
of Insurance may adopt any rules necessary and appropriate to implement the
powers and duties of the Texas Department of Insurance under the Insurance
Code and other laws of this state.
§5.4401.Texas Special Mobile Home Windstorm and Hail Insurance Policy--Deductible Coverage.
The Texas Department of Insurance adopts by reference the Texas Special
Mobile Home Windstorm and Hail Insurance Policy--Deductible Coverage, as amended
effective July 15, 2006. Specimen copies of this policy are available from
the Texas Windstorm Insurance Association, P.O. Box 99090, Austin, Texas 78709-9090.
Copies may also be obtained by contacting the Personal Lines Division, Mail
Code 104-1A, Texas Department of Insurance, 333 Guadalupe Street, Austin,
Texas 78701.
This agency hereby certifies that the adoption has been reviewed
by legal counsel and found to be a valid exercise of the agency's legal authority.
Filed
with the Office of the Secretary of State on March 6, 2006.
TRD-200601424
Gene C. Jarmon
General Counsel and Chief Clerk
Texas Department of Insurance
Effective date: July 15, 2006
Proposal publication date: September 23, 2005
For further information, please call: (512) 463-6327
4.
ENDORSEMENTS
5.
TEXAS SPECIAL MOBILE HOME WINDSTORM AND HAIL INSURANCE POLICY
6.
MANUAL