AN ACT TO REQUIRE INSURANCE COMPANIES TO PAY NO LESS THAN TWENTY PERCENT OF THE POLICY LIMITS FOR THE DWELLING WHEN THERE IS A TOTAL LOSS; TO ALLOW THE INSURED TO RECOVER ADDITIONAL AMOUNTS BY FILING A CLAIM; TO PROVIDE A DEFINITION FOR TOTAL LOSS AS IT RELATES TO THIS ACT; TO PROVIDE THAT THE COMMISSIONER OF INSURANCE MAY PROMULGATE RULES AND REGULATIONS; AND FOR RELATED PURPOSES.