Amend CSSB 14 by striking SECTION 3.07 of the bill, starting 
at page 43, line 5, and adding a new Article to the bill, 
appropriately numbered, as follows:
	ARTICLE _____ RATE ROLLBACK FOR HOMEOWNERS INSURANCE
	SECTION _____.01. Subchapter C, Chapter 5, Insurance Code, is 
amended by adding Article 5.26-1 to read as follows:
	Article 5.26-1. Rate Rollback                                           
	Sec. 1. No insurer may charge rates for residential property 
insurance on policies issued or renewed during the rollback period 
that are greater than the insurer's rates that were in effect on 
January 1, 2001.
	Sec. 2. "The rollback period" begins September 1, 2003, and 
ends August 31, 2004.
	Sec. 3. In the event of any conflict between this article and 
any other law, this article shall prevail.
	Sec. 4. During the rollback period, the Commissioner may 
permit an insurer to charge higher rates than those provided in 
section (1) of this article only if higher rates are required by the 
Texas or United States Constitution.
	Sec. 5. This article applies to all insurers, including a 
reciprocal or interinsurance exchange, farm mutual, county mutual 
insurance company, Lloyd's plan company, and any other entity 
writing residential property insurance.