ÿWPC› ´Pp}wïÊ͈· ^q$­Šž¬XˆˆÄˆç«uGàÚ¾Ì̈·Kè,›!ªQÉ <¼¢öw|=Ø2?Xô¥ûwTƒoXÅnòUêg6Gý[`¤Ü¼'_1ñUeðÓz>ºÄ%Ð[F´;•¨1¹³ÂÑH7âZÅ2pO²c¸ãË 8ÙŽWk¢(3gQ¶Ä°$þ<’¶Ÿé^²:éà!ÿcól8ZÅ|ÍûóŠÁò&dº¨G·L–^£D‹„ÖHPÃü]¯Ò¿=Ê»Ïê‰äΚ3Uú´ý7'#À_ìât.>¨­ªÉG Ö!`’( ?7v`¦š‘ßÕãmÒf«F”?A¨¹pBï æÎqÞöÚ\’áN@ú1¹á?l´ò ]+Í!q1+S”ÿÕ¯ƒà ’ÿϸœV:[ê&förˆ†•^×ÙIAêE¶gˆDI(Yï”VQd¶doº|¾xù0+å°bƉ®µLWæ|ü&a\·dB­£Ú,ÑZ|Ƨ“ŒûȀț7aq-”§Ý\g4—tNRBªÑ<¾B/ÝQý³¶Zð08ÞzB#ÉPUN %g 0:mU8§ 0Uß L4nX€UFØ> N\ N^ ^ ¬ 0V¸ w 4 & 5 m7 nXN n­¦ NSUFU˜HP LaserJet 5200 PCL 6ÈÈÈÈÈÈÈÈ0(ÖÃ9 Z‹6Times New Roman RegularX(üœ$¡¡ÔUSUS.,Ô<4šÛ 9Z+‹ Courier New (-2†æ$©©Ý ƒüœ!ÝÔUSUS.,ÔÝ  Ý ˜\\SPOCK\SESSIONS\BOILER~1\HTOP.WPT«<þ6X9`("Courier 10cpiXôxþ6X@É“8Ç;X@*Ͼ¦ `(CG TimesScalableXXxϾ¦ P쉊7ûXP<¾½Q 9Z ‹.Courier New Regular 4Ý ƒ½Þ'ÝÔUSUS.,ÔÝ  ÝÔ_ÔÔ‡Xc¬XXXÔà€ððB(#àÔ#†X÷ÜXXXc¬=#ÔÔ‡Xc¬XXX÷ÜÔ2009RÔ#†X÷ÜXXXc¬‘#ÔÔ‡Xc¬XXX÷ÜÔ3051Ô#†X÷ÜXXXc¬Ø#ԈР° Ð\\Spock\sessions\Boilerplates\HTop.wptqt:Z (.3½Þ$§§Ý ƒüœ!ÝÔUSUS.,ÔÝ  Ý%ŒP:Zê:i¢×+003|x ÿU‹ÿÀÀÀ«< Œ €`(XÛx Œ @ÉX@<þ6X€`(Xôxþ6X@ÉÇ;X@«<þ6X9`("Courier 10cpiXôxþ6X@É“8Ç;X@.Courier New RegularÝ ƒüœ!ÝÔUSUS.,ÔÝ  ÝÔ_ÔÔ€Xc¬XXXÔÓ  ÓÑX°ÑÑ8€ c¬ XXdÖdÈ8ÑÓ=€ c¬ X8XdÐd=ÓÓÓÖ€ ÿÿÖà@””%ìàò òH.€B.€3274ó óˆÐ : ÐÌÓÓÓ  Óà @ àà @` à(By€Delegates€Morgan,€Craig,€Skaff,€Ð ® t Ðà @ àà @` à€Reynolds,€Swartzmiller,€C.€Miller,€Ð „ J ÐÓKÓà @ àà @` àà @¸ àà @ àà @h àand€Miley)Ð Z  Ðà @ àà @` à[Introduced€March€23,€2009;€referred€to€theÐ Ì Ðà @ àà @` àCommittee€on€the€Judiciary.]Ð ²x  ÐÓ]ÓÌÌà0  àà ° àA€BILL€to€repeal€ðð33-17-9a€of€the€Code€of€West€Virginia,€1931,€asÐ ¶| Ðamended;€and€to€amend€and€reenact€ðð33-17-9€and€ðð33-17-9b€ofÐ b( Ðsaid€code,€all€relating€to€fire€and€marine€insurance;€andÐ Ô Ðdisbursement€of€proceeds€for€total€and€partial€fire€loss.к€(#(# ÐòòBe€it€enacted€by€the€Legislature€of€West€Virginia:óóÐ f, Ðà  àThat€ðð33-17-9a€of€the€Code€of€West€Virginia,€1931,€as€amended,Ð ä Ðbe€repealed;€and€that€ðð33-17-9€and€ðð33-17-9b€of€said€code€beÐ Ê Ðamended€and€reenacted,€all€to€read€as€follows:Ð v < Ðò òARTICLE€17.€€FIRE€AND€MARINE€INSURANCE.Ð ""è  Ððð33-17-9.€€Total€or€partial€fire€loss.ó óÐ ê#°" ÐÓ °X°œXÓà  àAll€insurers€providing€fire€insurance€on€real€property€in€WestÐ ²%x$ ÐVirginia€shall€be€liable,€in€case€of€total€loss€by€fire€orÐ ^'$ & Ðotherwise,€as€stated€in€the€policy,€for€the€whole€amount€ofÐ  )Ð!( Ðinsurance€stated€in€the€policy,€upon€òòsuchóó€òòtheóó€real€property;€and€inÐ ¶*|#* Ðcase€of€partial€loss€by€fire€or€otherwise,€as€aforesaid,€of€theÐ b,(%, Ðreal€property€insured,€the€liability€shall€be€for€the€total€amountÐ .Ô&. Ðof€the€partial€loss,€not€to€exceed€the€whole€amount€of€insuranceÐ : Ðupon€the€real€property€as€stated€in€the€policyòò:€€òòProvided,óó€That€ifÐ æ¬ Ðthe€insurance€policy€requires€actual€repair€or€replacement€of€theÐ ž d Ðproperty€to€be€completed€in€order€for€the€policyholder€to€be€paidÐ J  Ðthe€full€cost€of€repair€or€replacement,€up€to€the€limits€of€theÐ ö¼ Ðpolicy,€then€the€amount€to€be€paid€shall€be€that€as€prescribed€byÐ ¢h  Ðthe€terms€of€the€insurance€policy€contractóó.€€This€section€does€notÐ N  Ðapply€where€such€insurance€has€been€procured€from€two€or€moreÐ úÀ  Ðinsurers€covering€the€same€interest€in€such€real€property.Ð ¦l Ðò òðð33-17-9b.€€Disbursement€of€insurance€proceeds.Ð R Ðó óà  àòòNo€proceeds€shall€be€paid€by€an€insurance€company€which€hasÐ à Ðissued€a€policy€which€provides€coverage€for€debris€removal€forÐ ÆŒ Ðcleanup,€removal€of€refuse,€debris,€remnants,€or€remains€of€aÐ r8 Ðdwelling€or€structure€upon€a€claim€of€total€loss€unless€and€untilÐ ä Ðthe€insurance€company€receives€certification€that€the€refuse,Ð Ê Ðdebris,€remnants,€or€remains€of€the€dwelling€or€structure€have€beenÐ v < Ðcleaned€up,€removed€or€otherwise€disposed€of.€€In€the€event€theÐ ""è  Ðinsurance€company€receives,€within€six€months€of€the€date€of€loss,Ð Î#”" Ðcertification€that€such€cleanup,€removal€or€disposal€costs€haveÐ z%@$ Ðbeen€incurred€by€a€municipality,€county€or€other€governmentalÐ &'ì& Ðentity,€rather€than€the€policyholder,€such€debris€removal€andÐ Ò(˜!( Ðcleanup€proceeds€shall€be€paid€to€the€municipality,€county€or€otherÐ ~*D#* Ðgovernment€entity€which€has€incurred€such€costs.Ð *,ð$, Ðóóà  àòòNo€insurance€company€subject€to€this€section€which€compliesÐ Ö-œ&. Ðwith€this€section€may€be€held€liable€for€any€claim€that€may€ariseÐ : Ðout€of€the€cleanup,€removal€or€disposal€of€debris€pursuant€to€thisÐ æ¬ Ðsection.Ð ’ X Ðóóà  àòòAn€insurance€company€subject€to€this€section€which€compliesÐ >  Ðwith€this€section€shall€be€deemed€to€have€fully€satisfied€allÐ ê° Ðcontractual€obligations€to€the€policyholder€regarding€debrisÐ –\  Ðremoval.Ð B  Ðóóà  àòòIn€no€event€shall€an€insurance€company€be€required€to€payÐ î´  Ðmoneys€in€excess€of€policy€limits€for€debris€removal.óóÐ š` Ðà  àòò(a)€An€insurer€licensed€under€this€chapter€may€not€pay€a€claimÐ F  Ðof€a€named€insured€for€fire€damage€to€a€structure€located€within€aÐ ò¸ Ðmunicipality€where€the€amount€recoverable€for€the€fire€loss€to€theÐ žd Ðstructure€equals€or€exceeds€sixty€percent€of€the€aggregate€limitsÐ J Ðof€liability€on€all€fire€policies€covering€the€building€orÐ ö¼ Ðstructure,€commonly€referred€to€as€ð ðCoverage€Aðð€limits,€unless€theÐ ¢h Ðinsurer€is€furnished€with€a€certificate€pursuant€to€subsection€(b)Ð N  Ðof€this€section€and€unless€there€is€compliance€with€the€proceduresÐ ú!À  Ðset€forth€in€subsections€(c)€and€(d)€of€this€section.Ð ¦#l" Ðà  à(b)€(1)€This€section€applies€to€those€insured€fire€lossesÐ R%$ Ðlocated€in€municipalities€which€have€adopted€an€ordinanceÐ þ&Ä& Ðauthorizing€the€procedure€described€in€subdivisions€(c)€and€(d)€ofÐ ª(p!( Ðthis€section€and€have€filed€a€certified€copy€of€the€ordinance€forÐ V*#* Ðpublic€record€with€the€Offices€of€the€Insurance€Commissioner,€andÐ ,È$, Ðapplies€only€to€insured€fire€losses€that€occur€after€the€filing€ofÐ ®-t&. Ðthe€certified€copy€of€the€ordinance.€€The€ordinance€shall€designateÐ : Ðthe€municipal€officer€authorized€to€carry€out€the€duties€of€thisÐ æ¬ Ðsection.Ð ’ X Ðà  à(2)€The€municipal€treasurer,€upon€the€written€request€of€theÐ >  Ðnamed€insured€or€the€insurer€which€contains€the€tax€description€ofÐ ê° Ðthe€property,€the€name€and€address€of€the€insurer,€and€the€dateÐ –\  Ðagreed€upon€by€the€insurer€and€the€named€insured€as€the€date€of€theÐ B  Ðreceipt€of€a€loss€report€of€the€claim,€shall€furnish€the€insurerÐ î´  Ðwith€one€of€the€following€certificates€within€fourteen€working€daysÐ š` Ðof€receipt€of€the€request:Ð F  Ðà  à(A)€A€certificate€or,€at€the€discretion€of€the€municipality,Ð ò¸ Ða€verbal€notification€which€shall€be€confirmed€in€writing€to€theÐ žd Ðinsurer€to€the€effect€that,€as€of€the€date€specified€in€theÐ J Ðrequest,€the€municipality€has€not€incurred€any€costs€for€theÐ ö¼ Ðremoval,€repair€or€securing€of€a€building€or€structure€on€theÐ ¢h Ðproperty;€orÐ N  Ðà  à(B)€A€certificate€and€bill€showing€the€amount,€as€of€the€dateÐ ú!À  Ðof€the€Treasurerððs€certificate,€the€amount€of€the€total€costs,€ifÐ ¦#l" Ðany,€certified€to€the€Treasurer€that€have€been€incurred€by€theÐ R%$ Ðmunicipality€for€the€removal,€repair€or€securing€of€a€building€orÐ þ&Ä& Ðstructure€on€the€property.€€For€the€purposes€of€this€paragraph€Ô_Ô(B),Ô_ÔÐ ª(p!( Ðthe€municipality€shall€certify€to€the€Treasurer€the€total€amount,Ð V*#* Ðif€any,€of€the€costs.Ð ,È$, Ðà  à(3)€The€insurer€shall€pay€the€claim€of€the€named€insured€inÐ ®-t&. Ðaccordance€with€subsections€(c)€and€(d)€of€this€section,€upon€theÐ : Ðreceipt€of€a€certificate€pursuant€to€subdivision€(2)€of€thisÐ æ¬ Ðsection.€€This€section€may€not€be€construed€to€prevent€any€insurerÐ ’ X Ðfrom€making€payment€to€an€insured€for€personal€property,€loss€ofÐ >  Ðuse,€liability,€living€expenses€or€any€other€claims€not€directlyÐ ê° Ðrelated€to€the€loss€of€the€insured€building€or€structure€itself.Ð –\  Ðà  à(c)€When€the€loss€agreed€to€between€the€named€insured€and€theÐ B  Ðinsurer€equals€or€exceeds€sixty€percent€of€the€aggregate€limits€ofÐ î´  Ðliability€on€all€fire€policies€covering€the€building€or€structure,Ð š` Ðcommonly€referred€to€as€ð ðCoverage€Aðð€limits,€the€insurer€shallÐ F  Ðtransfer€from€the€insurance€proceeds€to€the€designated€officer€ofÐ ò¸ Ðthe€municipality€in€the€aggregate€$2,000€for€each€$15,000€and€eachÐ žd Ðfraction€of€that€amount€of€a€claim,€or,€if€at€the€time€of€a€lossÐ J Ðreport€the€named€insured€or€insurer€has€submitted€a€contractorððsÐ ö¼ Ðsigned€estimate€of€the€costs€of€removing,€repairing€or€securing€theÐ ¢h Ðbuilding€or€structure€in€an€amount€less€than€the€amount€calculatedÐ N  Ðunder€the€foregoing€transfer€formula,€the€insurer€shall€transferÐ ú!À  Ðfrom€the€insurance€proceeds€the€amount€specified€in€the€estimate.Ð ¦#l" Ðà  à(A)€The€transfer€of€proceeds€shall€be€on€a€pro€rata€basis€byÐ R%$ Ðall€insurers€insuring€the€building€or€structure.€€Policy€proceedsÐ þ&Ä& Ðremaining€after€the€transfer€to€the€municipality€shall€be€disbursedÐ ª(p!( Ðin€accordance€with€the€policy€terms.Ð V*#* Ðà  àÔ_Ô(B)Ô_Ô€The€named€insured€or€insurer€may€submit€a€contractorððsÐ ,È$, Ðsigned€estimate€of€the€costs€of€removing,€repairing€or€securing€theÐ ®-t&. Ðbuilding€or€structure€after€the€transfer,€and€the€designatedÐ : Ðofficer€shall€return€the€amount€of€the€fund€in€excess€of€theÐ æ¬ Ðestimate€to€the€named€insured€if€the€municipality€has€not€commencedÐ ’ X Ðto€remove,€repair€or€secure€the€building€or€structure.Ð >  Ðà  à(d)€The€designated€officer€shall€place€the€proceeds€in€aÐ ê° Ðseparate€fund€to€be€used€solely€as€security€against€the€total€costÐ –\  Ðof€removing,€repairing€or€securing€incurred€by€the€municipality,Ð B  Ðupon€receipt€of€proceeds€by€the€municipality€as€authorized€by€thisÐ î´  Ðsection.€€When€transferring€the€funds€as€required€in€subsection€(c)Ð š` Ðof€this€section,€an€insurer€shall€provide€the€municipality€with€theÐ F  Ðname€and€address€of€the€named€insured,€whereupon€the€municipalityÐ ò¸ Ðshall€contact€the€named€insured,€certify€that€the€proceeds€haveÐ žd Ðbeen€received€by€the€municipality€and€notify€the€named€insured€thatÐ J Ðthe€procedures€under€this€subsection€shall€be€followed.€€The€fundsÐ ö¼ Ðshall€be€returned€to€the€named€insured€when€repairs,€removal€orÐ ¢h Ðsecuring€of€the€building€or€structure€have€been€€completed€and€theÐ N  Ðrequired€proof€received€by€the€designated€officer€if€theÐ ú!À  Ðmunicipality€has€not€incurred€any€costs€for€Ô_Ôrepairs,Ô_Ô€removal€orÐ ¦#l" Ðsecuring€of€the€building€or€structure.€If€the€municipality€hasÐ R%$ Ðincurred€costs€for€repairs,€removal€or€securing€of€the€building€orÐ þ&Ä& Ðstructure,€the€costs€shall€be€paid€from€the€fund,€and,€if€excessÐ ª(p!( Ðfunds€remain,€the€municipality€shall€transfer€the€remaining€fundsÐ V*#* Ðto€the€named€insured.€€Nothing€in€this€section€may€be€construed€toÐ ,È$, Ðlimit€the€ability€of€a€municipality€to€recover€any€deficiency.€Ð ®-t&. ÐFurther,€nothing€in€this€subsection€may€be€construed€to€prohibitÐ : Ðthe€municipality€and€the€named€insured€from€entering€into€anÐ æ¬ Ðagreement€that€permits€the€transfer€of€funds€to€the€named€insuredÐ ’ X Ðif€some€other€reasonable€disposition€of€the€damaged€property€hasÐ >  Ðbeen€negotiated.€€The€designated€officer€shall€provide€anÐ ê° Ðaccounting€to€the€named€insured€within€thirty€days€after€theÐ –\  Ðrepairs,€removal€or€securing€of€the€building€or€structure€have€beenÐ B  Ðcompleted.Ð î´  Ðà  à(e)€Proof€of€payment€by€the€insurer€of€proceeds€under€a€policyÐ š` Ðin€accordance€with€subsection€(c)€of€this€section€is€conclusiveÐ F  Ðevidence€of€the€discharge€of€its€obligation€to€the€insured€underÐ ò¸ Ðthe€policy€to€the€extent€of€the€payment€and€of€compliance€by€theÐ žd Ðinsurer€with€subsection€(c)€of€this€section.Ð J Ðà  à(f)€Nothing€in€this€section€may€be€construed€to€make€anÐ ö¼ Ðinsurer€liable€for€any€amount€in€excess€of€proceeds€payable€underÐ ¢h Ðits€insurance€policy€or€for€any€other€act€performed€pursuant€toÐ N  Ðthis€section€or€to€make€a€municipality€or€public€official€anÐ ú!À  Ðinsured€under€a€policy€of€insurance€or€to€create€an€obligation€toÐ ¦#l" Ðpay€delinquent€property€taxes€or€unpaid€removal€liens€or€expenses.Ð R%$ Ðà  à(g)€An€insurer€making€payments€of€policy€proceeds€under€thisÐ þ&Ä& Ðsection€for€structure€removal€liens€or€removal€expenses€incurred€byÐ ª(p!( Ða€municipality€shall€have€a€full€benefit€of€such€payment,€includingÐ V*#* Ðall€rights€of€subrogation€and€of€assignment.Ð ,È$, Ðà  à(h)€This€section€shall€apply€only€to€municipalities€that€haveÐ ®-t&. Ðadopted€an€ordinance€authorizing€the€procedure€set€forth€inÐ : Ðsubsections€(b)€through€(d)€and€only€to€insured€fire€losses€thatÐ æ¬ Ðoccur€after€the€effective€date€of€the€ordinance.Ð ’ X Ðà  à(i)€When€an€ordinance€is€passed,€adopted€or€amended€by€aÐ >  Ðmunicipality€in€accordance€with€this€section,€an€exact€copy€of€theÐ ê° Ðordinance€shall€be€filed€with€the€Offices€of€the€InsuranceÐ –\  ÐCommissioner€together€with€the€name,€position,€mailing€address,Ð B  ÐE-mail€address,€and€phone€number€of€the€municipal€officialÐ î´  Ðresponsible€for€compliance€with€this€section€shall€supply€theÐ š` Ðinformation€required€by€this€subsection€to€the€Offices€of€theÐ F  ÐInsurance€Commissioner€as€part€of€the€implementation€of€itsÐ ò¸ Ðordinance.€€The€Offices€of€the€Insurance€Commissioner€shallÐ žd Ðperiodically€produce€a€register€listing€those€municipalities€filingÐ J Ðthe€ordinance.€€This€register€shall€be€made€available€to€the€publicÐ ö¼ Ðat€no€cost.€€An€insurer€may€not€be€required€to€comply€with€anyÐ ¢h Ðmunicipal€ordinance€if€the€municipality€fails€to€provide€a€copy€ofÐ N  Ðthe€ordinance€to€the€Offices€of€the€Insurance€Commissioner.Ð ú!À  Ðà  à(j)€The€term€ð ðmunicipality,ðð€as€used€in€this€section,€meansÐ ¦#l" Ðany€incorporated€city,€town,€or€home€rule€municipality.€€The€termÐ R%$ Ðð ðTreasurer,ðð€as€used€in€this€section,€means€an€elected€Ô_ÔTreasurerÔ_Ô€orÐ þ&Ä& Ðother€appropriate€municipal€officer€authorized€to€collect€realÐ ª(p!( Ðproperty€taxes.Ð V*#* Ðà  à(k)€This€section€shall€be€liberally€construed€to€accomplishÐ ,È$, Ðits€purpose€to€deter€the€commission€of€arson€and€related€crimes,€toÐ ®-t&. Ðdiscourage€the€abandonment€of€property,€and€to€prevent€urban€blightÐ : Ðand€deterioration.óóÐ æ¬ ÐÓÓÓ=€c¬XÐXd X8Xd=ÓÌÌÌà  àNOTE:€The€purpose€of€this€bill€is€to€regulate€the€disbursementÐ Ú Ðof€proceeds€for€total€and€partial€fire€loss€for€fire€damage€to€aÐ ê° Ðstructure€located€within€a€municipality€and€deter€the€commission€ofÐ À†  Ðarson€and€related€crimes,€discourage€the€abandonment€of€property,Ð –\  Ðand€to€prevent€urban€blight€and€deterioration.Ð l2  ÐÌà  àStrike-throughs€indicate€language€that€would€be€stricken€fromÐ Þ  Ðthe€present€law,€and€underscoring€indicates€new€language€that€wouldÐ î´  Ðbe€Ô_Ôadded.Ô_ÔÔ_ÔÔ_ÔÔ_ÔÔ_Ô