28 Tex. Admin. Code § 5.9971 - Homeowners, Dwelling, and Renters Insurance Consumer Bill of Rights
(a) For purposes of
this section, "insurer" means an insurance company, reciprocal or
interinsurance exchange, mutual insurance company, capital stock company,
county mutual insurance company, Lloyd's plan, or other legal entity authorized
to write residential property insurance in this state. The term includes an
affiliate, as described by Insurance Code §
823.003(a),
if that affiliate is authorized to write and is writing residential property
insurance in this state. The term does not include the Texas Windstorm
Insurance Association or the Texas Fair Plan Association.
(b) The Texas Department of Insurance adopts
the 2024 version of the Consumer Bill of Rights - Homeowners, Dwelling, and
Renters Insurance (Homeowners Bill of Rights), and the Spanish language
translation, as developed and submitted by the Office of Public Insurance
Counsel:
(c) All
insurers writing homeowners, dwelling, or renters insurance must provide with
each new policy of any such insurance a copy of the 2024 version of the
Homeowners Bill of Rights. At the consumer's request, the insurer may provide
an electronic copy of the Homeowners Bill of Rights instead of a hard copy. The
insurer must provide the Homeowners Bill of Rights with each renewal notice for
any such insurance unless the insurer has previously provided the policyholder
with the 2024 version of the Homeowners Bill of Rights.
(d) The Homeowners Bill of Rights must appear
in no less than 10-point type and be on separate pages with no other text on
those pages.
(e) The insurer must
provide the Spanish language version of the 2024 version of the Homeowners Bill
of Rights to any consumer who requests it.
(f) Insurers must provide the applicable
Homeowners Bill of Rights included in this section beginning November 1, 2024.
Before that date, insurers may provide the Homeowners Bill of Rights either as
it is currently included in this section or as it was included in the section
as the section was amended to be effective May 16, 2021.
Notes
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