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Amend CSSB 1007 (Senate committee printing) in ARTICLE 4 of 
the bill by inserting the following appropriately numbered SECTIONS 
and renumbering existing SECTIONS accordingly:
	SECTION 4.___.  Chapter 2006, Insurance Code, is amended by 
adding Subchapter D to read as follows:
	SUBCHAPTER D.  PREMIUM DISCOUNT FOR CERTAIN DWELLINGS
	Sec. 2006.151.  DEFINITIONS.  In this subchapter:                       
		(1)  "Applicant" includes:                                             
			(A)  an applicant for new insurance coverage; and                     
			(B)  a policyholder renewing insurance coverage.                      
		(2)  "Residential property insurance" has the mening 
assigned by Section 2251.002.
		(3)  "Insurer" means:                                                  
			(A)  an insurer subject to Chapter 2251;                              
			(B)  the Texas Windstorm Insurance Association; 
and                 
			(C)  the FAIR Plan Association.                                       
	Sec. 2006.152.  OPTIONAL PREMIUM DISCOUNT.  (a)  The 
commissioner by rule shall authorize an insurer to grant to an 
applicant for residential property insurance a discount on the 
applicant's premium for an insured dwelling that is certified by 
the Institute for Business and Home Safety (IBHS) as and  IBHS 
Fortified Home for the geographic location in which the dwelling is 
located  or by a similar organization as meeting similar home 
fortification standards for the geographic location in which the 
dwelling is located if teh commissioner determines that the 
standards being certified reflect a reduction i the risk being 
insured under the policy.
	(b)  The commissioner shall prescribe requirements for a 
policy applicant to submit verification of the certification of the 
dwelling to the insurer.
	Sec. 2006.153.  DWELLING INSPECTION.  (a)  The rules adopted 
under this subchapter may authorize an insurer to conduct an 
inspection of a dwelling to be insured to confirm that the dwelling 
meets the applicable standards for the geographic location in which 
the dwelling is located.
	(b)  The insurer shall pay the costs of an inspection under 
this section.
	Sec.  2006.154.  PREMIUM DISCOUNT; EXCEPTION.  (a)  The 
commissioner by rule shall establish the premium discount under 
this subchapter based on sound actuarial principles.  The 
commissioner may vary the discount based on the coverage offered or 
excluded under the insurance policy, including windstorm and hail 
coverage.
	(b)  The commissioner may approve a premium discount greater 
or less than the discount established under Subsection (a) if:
		(1)  the insurer files the proposed discount with the 
department; and
		(2)  the commissioner determines that the proposed 
discount is actuarially justified.
	Sec.  2006.155.  RULES.  The commissioner may adopt rules as 
necessary to implement this subchapter in addition to other rules 
specifically required to be adopted under this chapter.
	SECTION 4.___.  Not later than December 1, 2009, the 
commissioner of insurance shall adopt rules required by Subchapter 
D, Chapter 2006, Insurance Code, as added by this article.
	SECTION 4.___.  Subchapter D, Chapter 2006, Insurance Code, 
as added by this article, applies only to a residential property 
insurance policy delivered, issued for delivery, or renewed on or 
after January 1, 2010.  A policy delivered, issued for delivery, or 
renewed before January 1, 2010, 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.