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Texas Statutes (Last Updated: January 4, 2014) |
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INSURANCE CODE |
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Title 5. PROTECTION OF CONSUMER INTERESTS |
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Subtitle C. DECEPTIVE, UNFAIR, AND PROHIBITED PRACTICES |
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Chapter 544. PROHIBITED DISCRIMINATION |
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Subchapter G. MOLD CLAIM OR DAMAGE |
Sec. 544.303. PROHIBITION OF CERTAIN UNDERWRITING DECISIONS BASED ON PREVIOUS MOLD CLAIM OR DAMAGE
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An insurer may not make an underwriting decision regarding a residential property insurance policy based on previous mold damage or a claim for mold damage if:
(1) the applicant for insurance coverage has property eligible for coverage under a residential property policy;
(2) the property has had mold damage;
(3) mold remediation has been performed on the property; and
(4) the property was:
(A) remediated, as evidenced by a certificate of mold remediation issued to the property owner under Section 1958.154, Occupations Code, that establishes with reasonable certainty that the underlying cause of the mold at the property has been remediated; or
(B) inspected by an independent assessor or adjustor who determined, based on the inspection, that the property does not contain evidence of mold damage.