Section 549.102 - Civil Damages(a) A borrower may recover from a lender who violates this chapter civil damages in an amount equal to three times the annual premium for the insurance policy in force on the property that is security for the loan.(b) If the insurance policy is for a period of more than one year, the annual premium is computed by dividing the total premium specified in the policy for the entire period of the policy by the number of years of the duration of the policy.Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. 4/1/2005.