(a) After the application and application fee for a certificate of authority under Section 964.057 are filed with the department and the applicant has complied with all legal requirements, the commissioner shall conduct an examination of the applicant to determine whether:
(1) the minimum capital and surplus, or the equivalent, requirements of Section 964.056 are satisfied;
(2) the capital and surplus, or the equivalent, are the bona fide property of the applicant; and
(3) the applicant has fully complied with applicable insurance laws.
(b) The commissioner may appoint a competent and disinterested person to conduct the examination required by this section. The examiner shall file an affidavit of the examiner's findings with the commissioner. The commissioner shall record the affidavit.