(a) A borrower may recover from a lender who violates this chapter civil damages in
an amount equal to three times the annual premium for the insurance policy in force
on the property that is security for the loan.
(b) If the insurance policy is for a period of more than one year, the annual premium
is computed by dividing the total premium specified in the policy for the entire period
of the policy by the number of years of the duration of the policy.
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