632.36 Accident in the course of business or employment.
632.365 Use of emission inspection data in setting rates.
632.37 Motor vehicle glass repair practices; restriction on specifying vendor.
632.38 Nonoriginal manufacturer replacement parts.
SUBCHAPTER V
LIFE INSURANCE AND ANNUITIES
632.41 Prohibited provisions in life insurance.
632.42 Trustee and deposit agreements in life insurance.
632.43 Standard nonforfeiture law for life insurance.
632.435 Standard nonforfeiture law for individual deferred annuities.
632.44 Required provisions in life insurance.
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.
632.485 Requirement that beneficiary not have intentionally killed the insured.
632.50 Estoppel from medical examination.
632.55 Limitations on group life insurance.
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.
SUBCHAPTER VI
DISABILITY INSURANCE
632.70 Exemption for plan under ch.
635.
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 health benefit plans.
632.747 Guaranteed acceptance.
632.749 Contract termination and renewability.
632.75 Prohibited provisions for disability insurance.
632.755 Public assistance.
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.
632.84 Benefit appeals under certain policies.
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.
632.898 Medical savings accounts.
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
Where spouses owned and insured property jointly, arson by husband did not bar wife from recovering fire insurance proceeds. Hedtcke v. Sentry Ins. Co. 109 W (2d) 461, 326 NW (2d) 727 (1982).
632.05 Annotation
Insured's past rental of property did not preclude recovery under (2). Kohnen v. Wisconsin Mut. Ins. Co. 111 W (2d) 584, 331 NW (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 W (2d) 592, 536 NW (2d) 189 (Ct. App. 1995).
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.
