2000 Minnesota Statutes

     65A.34 Application for coverage. 

    Subdivision 1.  Any person having an insurable interest in 
 real or tangible personal property who has been canceled, 
 nonrenewed, or otherwise rejected for coverage in the private 
 market shall be entitled to submit an application for coverage 
 to the facility.  If an inspection of the premises is performed, 
 it must be done at no cost to the applicant. 

    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.  Either during the inspection or immediately 
 thereafter, an employee of the FAIR plan shall inform the 
 applicant as to the features that result in a condition charge 
 if the risk is accepted.  No inspector shall have authority to 
 advise whether the facility will provide the coverage.  

    Subd. 5.  Within ten business days after the inspection, 
 the FAIR plan shall prepare or have prepared a completed 
 inspection report that includes conditions that are subject to a 
 condition charge under the rating plan approved by the 
 commissioner.  A copy of the inspection report must 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; 1999 c 120 s 4-6