1998 Minnesota Statutes

     65A.34 Application for coverage. 

    Subdivision 1.  Any person having an insurable interest in 
 real or tangible personal property shall be entitled upon 
 written application therefor to the facility to a prompt 
 inspection of the property by the inspection bureau without cost.

    Subd. 2.  The manner and scope of the inspections of FAIR 
 plan business shall be prescribed by the facility with the 
 approval of the commissioner.  

    Subd. 3.  An inspection report shall be made for each 
 property inspected.  The report shall cover pertinent structural 
 and occupancy features as well as the general condition of the 
 building and surrounding structures.  A representative 
 photograph of the property may be taken during the inspection.  

    Subd. 4.  During the inspection, the inspector shall point 
 out features of structure and occupancy to the applicant or the 
 applicant's representative and shall indicate those features 
 which may result in condition charges if the risk is accepted.  
 The inspector shall have no authority to advise whether the 
 facility will provide the coverage.  

    Subd. 5.  Within five business days after the inspection, a 
 copy of the completed inspection report, and any photograph, 
 indicating the pertinent features of building, construction, 
 maintenance, occupancy, and surrounding property shall be sent 
 to the facility.  Included with the report shall be a rate 
 make-up statement, including any conditions which are subject to 
 a condition charge under the rating plan approved by the 
 commissioner.  A copy of the inspection report shall be made 
 available to the applicant or the applicant's agent upon request.

    Subd. 6.  Before the facility may deny coverage or write 
 coverage with a condition charge, it must cause an inspection to 
 be made of any risk submitted to it, without cost to the owner.  

    HIST: 1969 c 483 s 4; 1986 c 444; 1986 c 455 s 44; 1993 c 248 
 s 7