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First Substitute S.B. 219

Senator Stephen H. Urquhart proposes the following substitute bill:


             1     
DISASTER RECOVERY LIENS

             2     
2013 GENERAL SESSION

             3     
STATE OF UTAH

             4     
Chief Sponsor: Stephen H. Urquhart

             5     
House Sponsor: V. Lowry Snow

             6     
             7      LONG TITLE
             8      General Description:
             9          This bill enacts provisions relating to a lien for mitigation services.
             10      Highlighted Provisions:
             11          This bill:
             12          .    gives a person that provides certain mitigation services to an owner of damaged
             13      property a lien on the proceeds of the insurance policy that covers the mitigation
             14      service for the balance owed to the provider under the governing service agreement;
             15          .    establishes prerequisites to a provider obtaining a lien described in this bill; and
             16          .    provides for enforcement of a lien described in this bill.
             17      Money Appropriated in this Bill:
             18          None
             19      Other Special Clauses:
             20          None
             21      Utah Code Sections Affected:
             22      ENACTS:
             23          38-14-101, Utah Code Annotated 1953
             24          38-14-102, Utah Code Annotated 1953
             25          38-14-103, Utah Code Annotated 1953


             26          38-14-104, Utah Code Annotated 1953
             27          38-14-105, Utah Code Annotated 1953
             28          38-14-106, Utah Code Annotated 1953
             29     
             30      Be it enacted by the Legislature of the state of Utah:
             31          Section 1. Section 38-14-101 is enacted to read:
             32     
CHAPTER 14. MITIGATION SERVICE LIEN ACT

             33     
Part 1. General Provisions

             34          38-14-101. Title.
             35          (1) This chapter is known as the "Mitigation Service Lien Act."
             36          (2) This part is known as "General Provisions."
             37          Section 2. Section 38-14-102 is enacted to read:
             38          38-14-102. Definitions.
             39          As used in this chapter:
             40          (1) "Certificate of satisfactory completion" means a document signed by a named
             41      insured in which the named insured certifies that the provider satisfactorily completed the
             42      mitigation service provided under the service agreement.
             43          (2) "Claims office" means an insurer's office that adjusts an owner's claim for damaged
             44      property.
             45          (3) "Damaged property" means real property that is damaged by a disaster.
             46          (4) "Disaster" means a situation causing, or threatening to cause, widespread damage,
             47      social disruption, or injury or loss of life or property resulting from attack, internal disturbance,
             48      natural phenomena, or technological hazard.
             49          (5) "Insurer" means an insurance company that provides insurance coverage for
             50      damage to real property caused by a disaster.
             51          (6) "Insurance proceeds" means money payable by an insurer under an insurance policy
             52      for a mitigation service.
             53          (7) "Mitigation service" means labor, equipment, or material provided on damaged
             54      property for the purpose of performing:
             55          (a) urgent repairs necessary to prevent further damage; or
             56          (b) services or repairs to mitigate the damage caused by a disaster, including cleanup.


             57          (8) "Mitigation service lien" means a lien on insurance proceeds for the unpaid balance
             58      owing to a provider under a service agreement.
             59          (9) "Provider" means a person that provides a mitigation service under a service
             60      agreement.
             61          (10) "Service agreement" means a written agreement between an owner of property
             62      damaged by a disaster and a provider, under which the provider agrees to perform a mitigation
             63      service for the owner's damaged property.
             64          Section 3. Section 38-14-103 is enacted to read:
             65          38-14-103. Mitigation service lien -- Requirements.
             66          A provider that performs a mitigation service under a service agreement has a
             67      mitigation service lien on the insurance proceeds related to the mitigation service if:
             68          (1) the owner of the damaged property has not paid the provider the amount owed
             69      under the service contract for the mitigation service; and
             70          (2) the provider gives notice to the insurer under Section 38-14-104 .
             71          Section 4. Section 38-14-104 is enacted to read:
             72          38-14-104. Notice of a mitigation service lien.
             73          (1) Within 10 business days after the day on which a provider completes a mitigation
             74      service governed by a service agreement, the provider shall send to the insurer of the damaged
             75      property:
             76          (a) the written notice described in Subsection (2); and
             77          (b) a copy of the certificate of satisfactory completion.
             78          (2) A notice described in Subsection (1) shall:
             79          (a) notify the insurer that the provider claims a mitigation service lien;
             80          (b) state the name, address, and telephone number of the owner of the damaged
             81      property;
             82          (c) state the date of the service agreement; and
             83          (d) state the amount owed to the provider for the mitigation service provided under the
             84      service agreement.
             85          Section 5. Section 38-14-105 is enacted to read:
             86          38-14-105. Payment by insurer -- Proceeds payable to provider.
             87          If a provider satisfies the requirements described in Section 38-14-104 and has not


             88      received the full amount due for the mitigation service, as described in the provider's notice and
             89      certificate of satisfactory completion, the insurer shall include the provider as an additional
             90      payee on each check issued to the insured that is:
             91          (1) for $2,500 or more; and
             92          (2) intended to pay for the mitigation service described in the provider's notice and
             93      certificate of satisfactory completion.
             94          Section 6. Section 38-14-106 is enacted to read:
             95          38-14-106. Enforcement of lien.
             96          (1) A provider may enforce a mitigation service lien by an action filed in a court of
             97      competent jurisdiction.
             98          (2) A provider that prevails in an action described in Subsection (2) is entitled to an
             99      award of costs and reasonable attorney fees.


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