(1) En adición a la reserva para contingencias requeridas en la sec. 2302 de este título, todo asegurador de préstamos hipotecarios establecerá una reserva para pérdidas para el pago de reclamaciones estimadas y gastos de ajuste en los siguientes casos:
(a) Préstamos en los cuales el asegurado tiene título de propiedad adquirido como requisito previo a la presentación de una reclamación.
(b) Préstamos en proceso de ejecución.
(c) Préstamos atrasados por cuatro (4) pagos mensuales o más.
(d) Gastos de ajuste de pérdidas en todos los casos antes indicados.
(2) Propiedades adquiridas en pago de reclamaciones se entrarán en los libros del asegurador a un valor que no exceda del valor razonable en el mercado. Cuando el costo de adquisición de la reclamación exceda a dicho valor, el exceso se cargará a pérdidas de suscripción.
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