632.45 Contracts providing variable benefits.
632.46 Incontestability and misstated age.
632.47 Assignment of life insurance rights.
632.475 Life insurance policy loans.
632.48 Designation of beneficiary.
632.50 Estoppel from medical examination.
632.56 Required group life insurance provisions.
632.57 Conversion option in group and franchise life insurance.
632.60 Limitation on credit life insurance.
632.62 Participating and nonparticipating policies.
632.64 Certification of disability.
632.66 Annuity contracts without life contingencies.
632.67 Effect of power of attorney for health care.
632.68 Regulation of viatical settlement contracts.
632.695 Applicability of general transfers at death provisions.
SUBCHAPTER VI
DISABILITY INSURANCE
632.71 Estoppel from medical examination, assignability and change of beneficiary.
632.715 Reports of action against health care provider.
632.72 Medical benefits or assistance; assignment.
632.725 Standardization of health care billing and insurance claim forms.
632.73 Right to return policy.
632.74 Reinstatement of individual or franchise disability insurance policies.
632.745 Coverage requirements for group and individual health benefit plans; definitions.
632.746 Preexisting condition; portability; restrictions; and special enrollment periods.
632.747 Guaranteed acceptance.
632.748 Prohibiting discrimination.
632.749 Contract termination and renewability.
632.7495 Guaranteed renewability of individual health insurance coverage.
632.75 Prohibited provisions for disability insurance.
632.755 Public assistance and early intervention services.
632.76 Incontestability for disability insurance.
632.77 Permitted provisions for disability insurance policies.
632.775 Effect of power of attorney for health care.
632.78 Required grace period for disability insurance policies.
632.785 Notice of mandatory risk-sharing plan.
632.79 Notice of termination of group hospital, surgical or medical expense insurance coverage due to cessation of business or default in payment of premiums.
632.793 Notice of loss of primary insurance coverage due to age.
632.795 Open enrollment upon liquidation.
632.797 Disclosure of group health claims experience.
632.80 Restrictions on medical payments insurance.
632.81 Minimum standards for certain disability policies.
632.82 Renewability of long-term care insurance policies.
632.825 Midterm termination of long-term care insurance policy by insured.
632.83 Internal grievance procedure.
632.835 Independent review of adverse and experimental treatment determinations.
632.84 Benefit appeals under certain policies.
632.85 Coverage without prior authorization for treatment of an emergency medical condition.
632.853 Coverage of drugs and devices.
632.855 Requirements if experimental treatment limited.
632.86 Restrictions on pharmaceutical services.
632.87 Restrictions on health care services.
632.875 Independent evaluations relating to chiropractic treatment.
632.88 Policy extension for handicapped children.
632.89 Required coverage of alcoholism and other diseases.
632.895 Mandatory coverage.
632.896 Mandatory coverage of adopted children.
632.897 Hospital and medical coverage for persons insured under individual and group policies.
632.899 Medical savings accounts study.
SUBCHAPTER VII
FRATERNAL INSURANCE
632.93 The fraternal contract.
632.95 Fraud in obtaining membership.
632.96 Beneficiaries in fraternal contracts.
SUBCHAPTER VIII
MISCELLANEOUS
632.97 Application of proceeds of credit insurance policy.
632.98 Worker's compensation insurance.
632.99 Certifications of disability.
Ch. 632 Cross-reference
Cross-reference: See definitions in ss.
600.03 and
628.02.
Ch. 632 Note
NOTE: Chapter 375, laws of 1975, which created subchapters I to VIII of Chapter 632 of the statutes, contains notes explaining the revision.
FIRE AND OTHER PROPERTY INSURANCE
632.05
632.05
Indemnity amounts. 632.05(1)(1)
Replacement cost of coverage. An insurer may agree in a property insurance policy to indemnify the insured for the amount it would cost to repair, rebuild or replace the damaged or destroyed insured property with new materials of like size, kind and quality.
632.05(2)
(2) Total loss. Whenever any policy insures real property which is owned and occupied by the insured as a dwelling and the property is wholly destroyed, without criminal fault on the part of the insured or the insured's assigns, the amount of the loss shall be taken conclusively to be the policy limits of the policy insuring the property.
632.05 History
History: 1975 c. 375;
1979 c. 73,
177.
632.05 Annotation
Arson by one spouse did not bar the other from recovering fire insurance proceeds under a jointly owned policy that insured jointly owned property. Hedtcke v. Sentry Ins. Co.
109 Wis. 2d 461,
326 N.W.2d 727 (1982).
632.05 Annotation
An administrative rule interpretation of sub. (2) that denies benefits solely on the basis of a past rental of the property would be unreasonable. Kohnen v. Wisconsin Mut. Ins. Co.
111 Wis. 2d 584,
331 N.W.2d 598 (Ct. App. 1983).
632.05 Annotation
To have "occupied" a dwelling under sub. (2) requires actual and physical control. An inanimate entity such as an estate is incapable of occupying a dwelling under sub (2). Drangstviet v. Auto-Owners Insurance Co.
195 Wis. 2d 592,
536 N.W.2d 189 (Ct. App. 1995).
632.05 Annotation
Sub. (2) does not exclude any dwellings that are owned and occupied by the insured. A building need not be exclusively residential. Seider v. O'Connell, 2000 WI 76, 236 Wis.2d 211,
612 N.W.2d 659.
632.08
632.08
Mortgage clause. A provision for payment to a mortgagee or other owner of a security interest in property may be contained in or added by endorsement to any insurance policy protecting against loss or destruction of or damage to property. If the insurance covers real property, any loss not exceeding $500 shall be paid to the insured mortgagor despite the provision, unless the mortgagee is a named insured.
632.08 History
History: 1975 c. 375;
1979 c. 102.
632.09
632.09
Choice of law. Every insurance against loss or destruction of or damage to property in this state or in the use of or income from property in this state is governed by the law of this state.
632.09 History
History: 1975 c. 375.
632.10(1)
(1) "Building and safety standards" means the requirements of
chs. 101 and
145 and of any rule promulgated by the department of commerce under
ch. 101 or
145, and standards of a 1st class city relating to the health and safety of occupants of buildings.
