(a) Except as provided by Section 2006.053, an insurer that issues a residential property insurance policy may:
(1) discount the premiums that would otherwise be charged for the policy by not less than three percent if the policyholder:
(A) has continuously been a residential property insurance policyholder with the insurer or an affiliate of the insurer; and
(B) has not filed a residential property insurance claim during the three years before the effective date of the policy; and
(2) increase the amount of the discount by one percent for each subsequent year in which the policyholder:
(A) has been a residential property insurance policyholder with the insurer or an affiliate of the insurer; and
(B) has not filed a residential property insurance claim.
(b) This section applies to an insurer that uses a tier classification or discount program that has a premium consequence based in whole or in part on claims experience, regardless of whether any of the policies that continuously covered the policyholder was a different kind of residential property insurance policy from the policy eligible for the premium discount.
(c) A residential property insurance claim under this section does not include a claim:
(1) resulting from a loss caused by natural causes;
(2) that is filed but is not paid or payable under the policy; or
(3) that an insurer is prohibited from using under Section 544.353.