Insurance; Revises calculation of amount of losses below which insurer is not entitled to reimbursement from FHCF for certain contract years; requires formula for determining actuarially indicated premiums to include cash build-up factor in certain contract years; authorizes insurers to file certain insurance rating plans based on certain windstorm mitigation construction standards under certain circumstances; revises conditions for determining ineligibility of condominiums for wind-only coverage; authorizes licensed personal lines or general lines agents to solicit, negotiate, advertise, or sell motor vehicle service agreements, home warranty contracts, & service warranty contracts without sales representative license.