Amend HB 1453 by striking all below the enacting clause and substituting the following: SECTION 1. Article 9.07A, Insurance Code, is amended by adding Subsection (f) to read as follows: (f) For an owner policy on residential real property that is issued to a natural person, the commissioner may adopt coverages that insure against: (1) ad valorem taxes, including penalties and interest, to be paid with respect to the property for a previous tax year and that are delinquent on the effective date of the policy because of sale, diversion, or change of use, unless excluded because the insured has actual knowledge of the delinquent taxes; and (2) ad valorem taxes, including penalties and interest, to be paid with respect to the property for a previous tax year because of an exemption granted to a previous owner of the property under Section 11.13, Tax Code, or because of improvements not assessed for a previous tax year, unless excluded because the insured has actual knowledge of the taxes. SECTION 2. This Act takes effect September 1, 1999. SECTION 3. Article 9.07A(f), Insurance Code, as added by this Act, applies only to an owner policy of title insurance that is delivered or issued for delivery on or after January 1, 2000. An owner policy of title insurance that is delivered or issued for delivery before January 1, 2000, is governed by the law as it existed immediately before the effective date of this Act, and that law is continued in effect for that purpose. SECTION 4. The importance of this legislation and the crowded condition of the calendars in both houses create an emergency and an imperative public necessity that the constitutional rule requiring bills to be read on three several days in each house be suspended, and this rule is hereby suspended.