(a) For the purposes of this section, “personal risk insurance” means homeowners, tenants, mobile manufactured home and other property and casualty insurance for personal, family or household needs except workers' compensation and automobile insurance.
(b) Any policy of personal risk insurance, master policy obtained pursuant to section 47-83 or property insurance policy maintained pursuant to section 47-255 shall allow suit against the insurer not later than one year after the date the insured receives written denial for all or any part of a claim under the property coverage provisions of the policy for foundation deterioration due to the presence of pyrrhotite.