{"id":4235,"date":"2022-04-25T06:08:49","date_gmt":"2022-04-25T06:08:49","guid":{"rendered":"https:\/\/crowdsourcelawyers.com\/texas-statutes\/?page_id=4235"},"modified":"2022-05-15T15:12:24","modified_gmt":"2022-05-15T15:12:24","slug":"texas-insurance-code-2210-207-windstorm-and-hail-insurance-replacement-cost-coverage","status":"publish","type":"page","link":"https:\/\/crowdsourcelawyers.com\/texas-statutes\/texas-insurance-code-2210-207-windstorm-and-hail-insurance-replacement-cost-coverage\/","title":{"rendered":"Texas Insurance Code 2210.207 Windstorm and Hail Insurance: \u2009Replacement Cost Coverage"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l2ebj971-4077d4acb6c147aa11c9e7b0b9a8d416\">\n#top .av-special-heading.av-l2ebj971-4077d4acb6c147aa11c9e7b0b9a8d416{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-l2ebj971-4077d4acb6c147aa11c9e7b0b9a8d416 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l2ebj971-4077d4acb6c147aa11c9e7b0b9a8d416 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l2ebj971-4077d4acb6c147aa11c9e7b0b9a8d416 av-special-heading-h1 blockquote modern-quote  avia-builder-el-0  el_before_av_hr  avia-builder-el-first '><div class='av-subheading av-subheading_above'><p>Texas<\/p>\n<\/div><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Texas Insurance Code &#8211; INS \u00a7 2210.207<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-7mvx9n-3aecb4cf72da28c97c917841b5562b95\">\n#top .hr.hr-invisible.av-7mvx9n-3aecb4cf72da28c97c917841b5562b95{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-7mvx9n-3aecb4cf72da28c97c917841b5562b95 hr-invisible  avia-builder-el-1  el_after_av_heading  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-65ahe3-61deea794d85a18a2977d5eb7aa2b745 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><a href=\"https:\/\/crowdsourcelawyers.com\/\">CrowdSourceLawyers.com<\/a><\/p>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-41u7wb-bfaf5e58b5a33d3d48640238ffe7de0c\">\n#top .avia_search_element.av-41u7wb-bfaf5e58b5a33d3d48640238ffe7de0c .av_searchform_wrapper{\nborder-color:#edae44;\nbackground-color:#edae44;\n}\n#top .avia_search_element.av-41u7wb-bfaf5e58b5a33d3d48640238ffe7de0c #s.av-input-field{\nfont-size:20px;\n}\n#top .avia_search_element.av-41u7wb-bfaf5e58b5a33d3d48640238ffe7de0c .av-input-field-icon.av-search-icon{\nfont-size:20px;\n}\n#top .avia_search_element.av-41u7wb-bfaf5e58b5a33d3d48640238ffe7de0c .av-input-field-icon.av-search-icon.avia-svg-icon svg:first-child{\nheight:20px;\nwidth:20px;\n}\n#top .avia_search_element.av-41u7wb-bfaf5e58b5a33d3d48640238ffe7de0c #searchsubmit{\nbackground-color:#edae44;\n}\n#top .avia_search_element.av-41u7wb-bfaf5e58b5a33d3d48640238ffe7de0c .av_searchsubmit_wrapper{\nbackground-color:#edae44;\n}\n<\/style>\n<div  class='avia_search_element av-41u7wb-bfaf5e58b5a33d3d48640238ffe7de0c  avia-builder-el-3  el_after_av_textblock  el_before_av_hr '><search><form action='https:\/\/crowdsourcelawyers.com\/texas-statutes\/' id='searchform_element' method='get' class='' data-element_id='av-41u7wb-bfaf5e58b5a33d3d48640238ffe7de0c' ><div class='av_searchform_wrapper'><input type='search' value='' id='s' name='s' placeholder='Search Texas Statutes' aria-label='Search Texas Statutes' class='av-input-field ' required \/><div class='av_searchsubmit_wrapper '><input type='submit' value='Find' id='searchsubmit' class='button ' title='View results on search page' aria-label='View results on search page' \/><\/div><input type='hidden' name='numberposts' value='10' \/><input type='hidden' name='results_hide_fields' value='meta,image' \/><\/div><\/form><\/search><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-34b33v-c6128a2d75db23b35650e4fa92c3b4d7\">\n#top .hr.hr-invisible.av-34b33v-c6128a2d75db23b35650e4fa92c3b4d7{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-34b33v-c6128a2d75db23b35650e4fa92c3b4d7 hr-invisible  avia-builder-el-4  el_after_avia_sc_search  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-l2ebjvz2-45e47e0e876dc25e1518ea1d39836f63 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><h2>Texas Insurance Code &#8211; INS \u00a7 2210.207. Windstorm and Hail Insurance: \u2009Replacement Cost Coverage<\/h2>\n<p>(a)\u2002In this section, \u201croof covering\u201d means:<\/p>\n<p style=\"padding-left: 40px\">(1)\u2002the roofing material exposed to the weather;<\/p>\n<p style=\"padding-left: 40px\">(2)\u2002the underlayments applied for moisture protection; \u2009and<\/p>\n<p style=\"padding-left: 40px\">(3)\u2002all flashings required in the replacement of a roof covering.<\/p>\n<p>(b)\u2002Subject to any applicable deductibles and the limits for the coverage purchased by the insured, a windstorm and hail insurance policy issued by the association may include replacement cost coverage for one- and two-family dwellings, including outbuildings, as provided under the dwelling extension coverage in the policy.<\/p>\n<p>(c)\u2002If, on the effective date of an association policy, the total amount of insurance applicable to a dwelling is equal to 80 percent or more of the full replacement cost of the dwelling or equal to the maximum amount of insurance otherwise available through the association, coverage applicable to the dwelling under the policy is extended to include the full cost of repair or replacement, without a deduction for depreciation.<\/p>\n<p>(d)\u2002If, on the effective date of an association policy, the total amount of insurance applicable to a dwelling is equal to less than 80 percent of the full replacement cost of the dwelling and less than the maximum amount of insurance available through the association, liability for loss under the policy may not exceed the replacement cost of the part of the dwelling that is damaged or destroyed, less depreciation.<\/p>\n<p>(e)\u2002Notwithstanding this chapter or any other law, the commissioner, after notice and hearing, may adopt rules to:<\/p>\n<p style=\"padding-left: 40px\">(1)\u2002authorize the association to provide actual cash value coverage instead of replacement cost coverage on the roof covering of a building insured by the association; \u2009and<\/p>\n<p style=\"padding-left: 40px\">(2)\u2002establish:<\/p>\n<p style=\"padding-left: 80px\">(A)\u2002the conditions under which the association may provide that actual cash value coverage;<\/p>\n<p style=\"padding-left: 80px\">(B)\u2002the appropriate premium reductions when coverage for the roof covering is provided on an actual cash value basis; \u2009and<\/p>\n<p style=\"padding-left: 80px\">(C)\u2002the disclosure that must be provided to the policyholder, prominently displayed on the face of the windstorm and hail insurance policy.<\/p>\n<p>(f)\u2002Notwithstanding Chapter 40, a hearing under Subsection (e) shall be held before the commissioner or the commissioner&#8217;s designee.<\/p>\n<p>(g)\u2002The commissioner may adopt rules as necessary to implement this section.<\/p>\n<hr \/>\n<p><a href=\"https:\/\/crowdsourcelawyers.com\/\">CrowdSourceLawyers.com<\/a><\/p>\n<\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":8,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4235","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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