Authorizing a consumer to request the Insurance Commissioner to review the amount of a premium that the consumer has paid or will pay for residential real property under a homeowner's insurance policy; requiring the Commissioner to determine if the premium may need to be decreased to reflect the loss of value of the property; requiring the Commissioner to consider if certain claims have been denied or approved for an amount that is less than the amount needed to return the property to the condition it was in prior to the event; etc.