State issued emergency orders

As a result of the Federal Government Shutdown several states (Alabama, AlaskaCalifornia, Colorado, DC, Delaware, Georgia, LouisianaMaine, Mississippi, New Jersey, New MexicoNew York, Oklahoma, and Washington) have issued bulletins encouraging insurance carriers to work with affected policyholders prior to issuing a cancellation or non-renewal of policies due to the non-payment of premiums.

Please review the attached bulletins for provisions which may affect your business and take appropriate action.

Affected Lines of Business:    All Lines (including Surplus Lines) 

Impacted policyholders:  consumers affected by the federal government shutdown

As a result of the Federal Government Shutdown several states (Alabama, AlaskaCalifornia, Colorado, DC, Delaware, Georgia, LouisianaMaine, Mississippi, New Jersey, New MexicoNew York, Oklahoma, and Washington) have issued bulletins encouraging insurance carriers to work with affected policyholders prior to issuing a cancellation or non-renewal of policies due to the non-payment of premiums.

Please review the attached bulletins for provisions which may affect your business and take appropriate action.

Affected Lines of Business:    All Lines (including Surplus Lines) 

Impacted policyholders:  consumers affected by the federal government shutdown




As a result of the 7.0 earthquake on 11/30/18, the Alaska Governor issued a state of emergency proclamation.  The emergency proclamation requests premium grace period extension of at least one week.
 
Affected Lines of Business:    All Lines (including Surplus Lines) 
 
Impacted policyholders are located in the South Central Alaska.
 

On June 6, 2019, the Arkansas DOI issued Bulletin No. 4-2019A ( amendment to Bulletin No. 4-2019) to add the following 16 counties:

Arkansas, Chicot, Conway, Crawford, Desha, Faulkner, Franklin, Jefferson, Johnson, Lincoln, Logan, Perry, Pope, Pulaski, Sebastian, and Yell.

According to the DOI, insurers may grant a 60-day moratorium on the cancellation/nonrenewal of policies for the nonpayment of premiums by policyholders in these 16 counties who suffered significant property damage, injuries, or a related loss of life resulting from the storms and flooding that began on 5/21/19. As stated in the original bulletin, the moratorium is not automatic and must be requested by policyholders. In addition, the moratorium is not a waiver; it is only an extension or grace period in which policyholders may pay premiums.




Due to severe weather and flooding which began on 5/21/19, Arkansas issued Bulletin 2019-04, establishing a 60-day moratorium on cancellations and non-renewals for non-payment of premiums for all lines of insurance. To be eligible for the moratorium the policyholder must request the extension and must have suffered significant property damage, injuries or related loss of life as a result of the storms and flooding.

Affected Lines of Business: All Lines (including Surplus Lines)

Impacted policyholders are located in the following counties: not specified

Please see the attached bulletin for details.

As a result of the numerous wildfires, California issued a 11/20/19 NOTICE reviewing Claims Handling and Billing Grace Periods procedures. “All insurers should grant billing leniency for at least 60 days for customers in designated wildfire disaster areas. Whenever there is widespread wildfire loss, some victims lose their insurance renewal notices or may not have the ability to have mail forwarded.”

Affected Lines of Business: All (including Surplus Lines)

Impacted policyholders are located in the following counties: Los Angeles, Riverside and Sonoma, for which the Governor has declared states of emergency

Please see the attached bulletin for Claims handling and further details.

 


 

As a result of the numerous wildfires, California has passed new laws which go into effect with the current State of Emergencies. Please see the attachment for details. While many provisions specifically reference ‘residential property’, please review the law changes for possible impact to other exposures.

One notable change: “After a covered loss under a policy covered by Section 2071, an insurer shall provide to the insured, free of charge, a complete, current copy of his or her policy within 30 calendar days of receipt of a request from the insured. The policy must include the full insurance policy, any endorsements, and the declarations page.”

It is expected that all residential property insurers and insurance adjusters comply with these new laws for any residential property insurance claims arising from these fires and any subsequent claims arising from future states of emergency.

Affected Lines of Business: Residential Property (including Surplus Lines)

Impacted policyholders are located in: State of Emergency areas, currently:

  • Riverside and Los Angeles Counties due to the following fires: Saddleridge, Eagle, Sandalwood, Reche, Wolf
  • Sonoma and Los Angeles Counties due to the following fires: Kincade & Tick
  • Across the state due to the effects of unprecedented high-wind events which have resulted in additional fires and evacuations.

Please see the attached bulletin for details.

 


 

As a result of the Federal Government Shutdown several states (California, Colorado, DC, Delaware, Georgia, Maine, Mississippi, New Jersey, New York, Oklahoma, and Washington) have issued bulletins encouraging insurance carriers to work with affected policyholders prior to issuing a cancellation or non-renewal of policies due to the non-payment of premiums.

Please review the attached bulletins for provisions which may affect your business and take appropriate action.

Affected Lines of Business:    All Lines (including Surplus Lines) 

Impacted policyholders:  consumers affected by the federal government shutdown




CA Notice 11-15-18
CA Notice 11-14-18
CDI Emergency Declaration 11-14-18

As a result of multiple wildfires, including the Camp, Hill, and Woolsey fires, the California Governor issued state of emergency proclamations commencing November 9, 2018.  Among claims processing procedures, the emergency proclamations requests billing leniency for affected policyholders for at least a 30 day period, 11/15/18 – 12/15/18.
 
Additionally, page 4 of the attached 11/14/18 Notice outlines Underwriting related laws regarding the renewal of affected policyholders.
 
Affected Lines of Business:    All Lines (including Surplus Lines)
 
Impacted policyholders are located in the following counties:  Butte, Los Angeles, and Ventura




Declaration of Emergency Situation - August 1, 2018
Expedited Claim Handling Billing Grace Period Procedures for California Wildfires - August 1, 2018
Important California Laws that Pertain to Property Insurance Policies after a Declared Disaster - August 1, 2018

Due to the effects of multiple fires, including the Carr, Cranston, Ferguson, Holiday, Holy, Pawnee, River, Ranch, Steele, and West fires, the Governor of the State of California issued state of emergency proclamations commencing July 6, 2018. On August 1, 2018 the CDI issued an emergency declaration and two notices to all insurers to speed recovery efforts:
  • Declaration of Emergency Situation
  • Notice of Important California Laws that Pertain to Property Insurance Policies after a Declared Disaster, and
  • Notice of Expedited Claim Handling Billing Grace Period Procedures for California Wildfires (Notice).
All insurers should grant billing leniency for at least 30 days for customers in designated wildfire disaster areas. Whenever there is widespread wildfire loss, some victims lose their insurance renewal notices or may not have the ability to have mail forwarded. This can result in victims losing their insurance coverage for nonpayment of premium. Many insurers already voluntarily grant payment leniency for wildfire victims.

The Notice grants at least a 30 day period, 8/1/18 – 9/1/18, however, consideration for policyholders impacted by the disaster may be applied beyond this period based on underwriter judgement.

Affected Lines of Business:    All Lines (including Surplus Lines)

Impacted policyholders are located in Lake, Mendocino, Mariposa, Napa, Orange, Riverside, Santa Barbara, San Diego, Shasta, and Siskiyou counties

As a result of the Federal Government Shutdown several states (California, Colorado, DC, Delaware, Georgia, Maine, Mississippi, New Jersey, New York, Oklahoma, and Washington) have issued bulletins encouraging insurance carriers to work with affected policyholders prior to issuing a cancellation or non-renewal of policies due to the non-payment of premiums.

Please review the attached bulletins for provisions which may affect your business and take appropriate action.

Affected Lines of Business:    All Lines (including Surplus Lines) 

Impacted policyholders:  consumers affected by the federal government shutdown

As a result of the Federal Government Shutdown several states (California, Colorado, DC, Delaware, Georgia, Maine, Mississippi, New Jersey, New York, Oklahoma, and Washington) have issued bulletins encouraging insurance carriers to work with affected policyholders prior to issuing a cancellation or non-renewal of policies due to the non-payment of premiums.

Please review the attached bulletins for provisions which may affect your business and take appropriate action.

Affected Lines of Business:    All Lines (including Surplus Lines) 

Impacted policyholders:  consumers affected by the federal government shutdown

As a result of the Federal Government Shutdown several states (California, Colorado, DC, Delaware, Georgia, Maine, Mississippi, New Jersey, New York, Oklahoma, and Washington) have issued bulletins encouraging insurance carriers to work with affected policyholders prior to issuing a cancellation or non-renewal of policies due to the non-payment of premiums.

Please review the attached bulletins for provisions which may affect your business and take appropriate action.

Affected Lines of Business:    All Lines (including Surplus Lines) 

Impacted policyholders:  consumers affected by the federal government shutdown

As a result of Hurricane Michael, Florida has issued an Emergency Order which suspends cancellations and nonrenewal for period between October 7th, 2018 and January 7, 2019.  Any cancellation or non-renewal notices issued or mailed on or after September 27 must be withdraw and re-issued after January 7th.  Cancellations and non-renewal effective between October 7, 2018 and January 7, 2019 should be extended to January 7, 2019 or later.
 
Please see the Order for details.
 
Affected Lines of Business:    All Lines (including Surplus Lines)
 
Impacted policyholders are located in the following counties: Bay, Calhoun, Citrus, Columbia, Dixie, Escambia, Franklin, Gadsden, Gilchrist, Gulf, Hamilton, Holmes, Jackson, Jefferson, Lafayette, Leon, Levy, Liberty, Madison, Okaloosa, Santa Rosa, Suwannee, Taylor, Wakulla, Walton, and Washington




Office of Insurance Regulation's Emergency Order -- 9/13/2017

Hurricane Irma -- 17-235/September 4, 2017

From the Florida Office of Insurance Regulations:
"At the Direction of Governor Scott, Insurance Commissioner David Altmaier issued an Emergency Order suspending and activating certain insurance rules and statutes for the health, safety, and welfare of Florida's policyholders. Among other provisions, the Order provides an additional 90 days to policyholders to supply information to their insurance company; prohibits insurance companies from canceling or non-renewing policies covering residential properties damaged by the hurricane for at least 90 days; and freezes any and all efforts to increase rates on policyholders for 90 days. The Order can be found here.
 
Please contact the Office of Insurance Regulation, Communications Office at press@floir.com or 850-413-2515 if you have any questions."

Florida Office of Insurance Regulation (FLOIR) hurricane resource page

As a result of Hurricane Dorian, Georgia has issued an Executive Order declaring a State of Emergency in 21 counties.(See attachments) Accordingly the DOI encourages insurers to provide relief to impacted policyholders, including exercising leniency with premium payments and cancellation/nonrenewals.

Affected Lines of Business: All Lines (including Surplus Lines)

Impacted policyholders are located in: Appling, Bacon, Brantley, Bryan, Bulloch, Camden, Charlton, Chatham, Clinch, Echols, Effingham, Evans, Glynn, Liberty, Long, McIntosh, Pierce, Screven, Tattnall, Ware, and Wayne.

Please see the attached bulletin for details.

Take action as you deem necessary for your business, including forwarding to other interested parties. Feel free to review the PRS SharePoint site for information on this, and other Emergency Orders. http://sharepoint/PLL-PRSSupport/Emergency%20Orders/Forms/AllItems.aspx.



As a result of severe storms on 3/3/19, Georgia issued Directive 19-EX-4, which encourages insures to exercise leniency for premium payments of affected policyholders.

Affected Lines of Business: All Lines

Impacted policyholders are located in the following counties: Grady, Harris, and Talbot



As a result of the Federal Government Shutdown several states (California, Colorado, DC, Delaware, Georgia, Maine, Mississippi, New Jersey, New York, Oklahoma, and Washington) have issued bulletins encouraging insurance carriers to work with affected policyholders prior to issuing a cancellation or non-renewal of policies due to the non-payment of premiums.

Please review the attached bulletins for provisions which may affect your business and take appropriate action.

Affected Lines of Business:    All Lines (including Surplus Lines) 

Impacted policyholders:  consumers affected by the federal government shutdown



Georgia has issued additional Directive-18-EX-4 instructing insurers to provide continued relief to policyholders from October 17, 2018 until November 30, 2018.




As a result of Hurricane Michael, Georgia has issued Directive 18-EX-2 Order which “encourages insurers to provide relief to policyholders, including exercising leniency where premium payments may appear tardy due to the disruption of services resulting from of the storm. Likewise, insurers that have or will process lawful cancellation or nonrenewal notices during the time in which Georgia is in a State of Emergency are encouraged to ensure that policyholders impacted by legal adverse underwriting decisions have sufficient time to address their insurance needs.”

 

Affected Lines of Business:    All Lines (including Surplus Lines) 

 

Impacted policyholders are located in the following counties:  Appling, Atkinson, Bacon, Baker, Baldwin, Ben Hill, Berrien, Bibb, Bleckley, Brantley, Brooks, Bryan, Bulloch, Burke, Butts, Calhoun, Camden, Candler, Clarke, Charlton, Chatham, Chattahoochee, Clay, Clinch, Coffee, Colquitt, Columbia, Cook, Crawford, Crisp, Decatur, Dodge, Dooly, Dougherty, Early, Echols, Effingham, Elbert, Emanuel, Evans, Glascock, Glynn, Grady, Greene, Hancock, Houston, Irwin, Jasper, Jeff Davis, Jefferson, Jenkins, Johnson, Jones, Lamar, Lanier, Laurens, Lee, Liberty, Lincoln, Long, Lowndes, Macon, Marion, McDuffie, McIntosh, Miller, Mitchell, Monroe, Montgomery, Morgan, Muscogee, Oconee, Oglethorpe, Peach, Pierce, Pulaski, Putnam, Quitman, Randolph, Richmond, Schley, Screven, Seminole, Stewart, Sumter, Talbot, Taliaferro, Tattnall, Taylor, Telfair, Terrell, Thomas, Tift, Toombs, Treutlen, Turner, Twiggs, Upson, Ware, Warren, Washington, Wayne, Webster, Wheeler, Wilcox, Wilkes, Wilkinson and Worth.   See Executive Orders 10/9/18 and 10/10/18 for details.




Directive 17-EX-7 - September 14, 2017

As a result of recent storms, Illinois has issued Bulletin 2018-12 which among other things, outlines their Moratorium on cancellations and nonrenewals.   The moratorium is effective 11/23/18 until 1/23/19.
 
Cancellations and nonrenewals – “Insurers shall withdraw any cancellation or nonrenewal notice issued on or after 11/23/18, on any in-force policy issued to an affected policyholder and/or property. In addition, insurers shall not issue any new cancellation or nonrenewal notices to affected policyholders and/or property until 1/23/19, or a later time if deemed reasonable given an individual consumer’s circumstance.”
 
Insurer Websites – “Insurers are directed to post on their websites all actions taken to implement the requirements of this bulletin.”
 
Please review the bulleting for other provisions which may affect your business and take appropriate action.
 
Affected Lines of Business: All Lines (including Surplus Lines)
 
Impacted policyholders are located in: all consumers affected by this disaster, residing in or who have property located in or around Christian County  




Illinois Department of Insurance (July 17, 2017)

Illinois Disaster Declaration Guidelines

Effective July 17, 2017 Governor Bruce Rauner declared Cook, Kane, Lake and McHenry counties state disaster areas.

To help provide safeguards for consumers and to ensure that those affected by this disaster do not suffer unnecessary hardship, the following guidelines will be followed for affected insurance policies issued by Markel Corp.’s subsidiaries and affiliates:

  • Cancellations or nonrenewal notifications issued between July 12, 2017 and September 30, 2017 are hereby withdrawn, and any coverage impacted by such notices is reinstated without any lapse. Newly issued cancellation and non-renewal notices for impacted policyholders will be withheld until September 30, 2017.

  • A minimum 60 day extension (from the last date allowed) will be granted to affected policyholders for any policy provisions or other requirements that impose a time limit for an insured or claimant to perform any act.

  • Late fees and installment fees will be waived during this period.

Consumers may contact the Illinois Department of Insurance if they wish to file a complaint regarding any disaster-related dispute or issue.

Complaints may be filed by calling the Department’s toll-free complaint hotline at 1-866-445-5364 or submitting a complaint online at: https://mc.insurance.illinois.gov/messagecenter.nsf

As a result of severe storms and flooding, Indiana has issued a 60 day policy cancellation moratorium in Bulletin 241.   “The moratorium applies only to cancellations/non-renewals attributed to a failure to pay premiums directly as a result of the Disaster Events during the 60-day period. If a policy is to be cancelled or non-renewed for any other allowable reason, the cancellation or non-renewal may be made pursuant to the statutory notice requirements. However, the Department would request insurance companies take into consideration that persons in the heavily Impacted Areas may be unable to receive notice of cancellation or non-renewal due to evacuation or delayed postal service in that area.”
 
This moratorium will last 60 days, and the Department may request an extension of this moratorium if an extension is deemed appropriate. This moratorium will take effect March 2, 2018. The Department expects insurers to apply this moratorium retroactively to the day before the Disaster Events occurred in each Impacted Area.
 
Affected Lines of Business: All Lines (including Surplus Lines)
 
Impacted policyholders are located in: Benton, Carroll, Clark, Crawford, Dearborn, Elkhart, Floyd, Fulton, Harrison, Jasper, Jefferson, Lake, Marshall, Ohio, Perry, Pulaski, Spencer, St. Joseph, Starke, Switzerland, Warrick, And White.

On 5/1/19, Iowa issued Bulletin 19-03 to remind the insurers to provide a grace period for the payment of premiums to affected policyholders within all counties in which either state or federal disaster declarations have been made, not just the 57 counties that were initially declared as flood disaster areas in March.  Since Bulletin 19-01 was issued, the Governor has issued disaster declarations for additional counties, including Clinton, Greene, Louisa, Muscatine, Scott, and Wapello.



 

As a result of floodingIowa issued Bulletin 19-01which requests insures to exercise leniency in the payment of premiums to policyholders materially impacted by flooding in disaster-declared counties.

 

Affected Lines of Business: All Lines (including Surplus Lines) 

 

Impacted policyholders are located in the following counties: Adair, Audubon, Appanoose, Black Hawk, Bremer, Buena Vista, Butler, Carroll, Cass, Cerro Gordo, Cherokee, Chickasaw, Clay, Clayton, Crawford, Dallas, Davis, Delaware, Dickinson, Emmet, Fayette, Franklin, Fremont, Guthrie, Hamilton, Hancock, Hardin, Harrison, Howard, Humboldt, Ida, Iowa, Kossuth, Lucas, Madison, Mahaska, Marshall, Mitchell, Monroe, Mills, Monona, Montgomery, O'Brien, Page, Palo Alto, Plymouth, Pottawattamie, Shelby, Sioux, Tama, Union, Webster, Winnebago, Winneshiek, Woodbury, Worth, and Wright.

 

Please see the attached bulletin for details.

As a result of the Federal Government Shutdown several states (Alabama, AlaskaCalifornia, Colorado, DC, Delaware, Georgia, LouisianaMaine, Mississippi, New Jersey, New MexicoNew York, Oklahoma, and Washington) have issued bulletins encouraging insurance carriers to work with affected policyholders prior to issuing a cancellation or non-renewal of policies due to the non-payment of premiums.

Please review the attached bulletins for provisions which may affect your business and take appropriate action.

Affected Lines of Business:    All Lines (including Surplus Lines) 

Impacted policyholders:  consumers affected by the federal government shutdown




As a result of the Federal Government Shutdown several states (California, Colorado, DC, Delaware, Georgia, Maine, Mississippi, New Jersey, New York, Oklahoma, and Washington) have issued bulletins encouraging insurance carriers to work with affected policyholders prior to issuing a cancellation or non-renewal of policies due to the non-payment of premiums.

Please review the attached bulletins for provisions which may affect your business and take appropriate action.

Affected Lines of Business:    All Lines (including Surplus Lines) 

Impacted policyholders:  consumers affected by the federal government shutdown

May 23, 2018: As a result of heavy rains, Maryland issued Bulletin 18-07 which encourages insurance companies to provide reasonable accommodations, including a grace period for premium payment, to insureds in the affected areas.
 
Affected Lines of Business:    All Lines (including Surplus Lines)
 
Impacted policyholders are located in:  Frederick and Washington (Zip Codes 21701; 21702; 21703; 21704; 21715; 21718; 21755; 21756; 21758; 21769; 21779; 21782; 21793 and 21770)

May 31, 2018: Maryland has issued Bulletin 18-09 to expand the area affected by flooding (Zip codes 21041, 21042, 21043, 21045, 21228, 21229)

Massachusetts DOI Bulletin 2018-05, due to numerous gas line explosions which created significant disruption with homes and business within that area. In light of the significant damage and in order to provide ongoing support for recovery efforts in these areas, the DOI offers the attached guidance and recommendations.  In part, “The Division would not find it reasonable for:

  • Insurers to re-rate, cancel, non-renew, or refuse to provide insurance coverage due solely to the policyholder’s status as a victim of this incident or as an evacuee of this disaster.

  • A carrier to change policyholders’ rating classifications or increase their insurance rates solely because they are victims of this incident or evacuees of this disaster.
Affected Lines of Business:    All Lines (including Surplus Lines)

Impacted policyholders are located in:  Andover, North Andover, and Lawrence within the Merrimack Valley Region
 
As a result of the Federal Government Shutdown several states (California, Colorado, DC, Delaware, Georgia, Maine, Mississippi, New Jersey, New York, Oklahoma, and Washington) have issued bulletins encouraging insurance carriers to work with affected policyholders prior to issuing a cancellation or non-renewal of policies due to the non-payment of premiums.

Please review the attached bulletins for provisions which may affect your business and take appropriate action.

Affected Lines of Business:    All Lines (including Surplus Lines) 

Impacted policyholders:  consumers affected by the federal government shutdown

Due to severe weather and tornadoes which began on 5/22/19, Missouri issued Bulletin 19-05, which encourages insurers to voluntarily provide grace periods and limit adverse action against policyholders impacted by tornadoes and severe storms.   For details, please review the attached bulletin which is effective until 9/30/19.
 
Affected Lines of Business:    All Lines (including Surplus Lines)
 
Impacted policyholders are located in the following counties:  Barton, Clay, Cole, Jasper and Miller.




As a result of flooding, Missouri issued Bulletin 19-04 which requests insures to exercise leniency with due dates of affected policyholders.
 
Affected Lines of Business: All Lines (including Surplus Lines)
 
Impacted policyholders are located in, but not limited to, the following counties:  Andrew, Atchison, Boone, Buchanan, Callaway, Cape Girardeau, Carroll, Chariton, Clay, Cole, Cooper, Franklin, Gasconade, Holt, Howard, Jackson, Jefferson, Lafayette, Lincoln, Marion, Mississippi, Moniteau, Montgomery, New Madrid, Osage, Pemiscot, Perry, Pike, Platte, Rawls, Ray, Saline, St. Charles, St. Genevieve, City of St. Louis, St. Louis, Scott, Warren.

As a result of winter storm and flooding, Nebraska issued Notice 3/15/19 which requests insures to exercise leniency with due dates of affected policyholders.
 
Affected Lines of Business:    All Lines (including Surplus Lines)
 
Impacted policyholders are located in:  Not specified

As a result of the fire which took place at the Marcal Paper Products facility on 1/31/19, nearly 500 employees lost their jobs. New Jersey has issued a bulletin encouraging insurance carriers to work with affected policyholders prior to issuing a cancellation or non-renewal of policies due to the non-payment of premiums.
 
Please review the attached bulletin for provisions which may affect your business and take appropriate action.
 
Affected Lines of Business:    All Lines
 
Impacted policyholders:  Marcal Paper Products Employees




As a result of the Federal Government Shutdown several states (California, Colorado, DC, Delaware, Georgia, Maine, Mississippi, New Jersey, New York, Oklahoma, and Washington) have issued bulletins encouraging insurance carriers to work with affected policyholders prior to issuing a cancellation or non-renewal of policies due to the non-payment of premiums.

Please review the attached bulletins for provisions which may affect your business and take appropriate action.

Affected Lines of Business:    All Lines (including Surplus Lines) 

Impacted policyholders:  consumers affected by the federal government shutdown

As a result of the Federal Government Shutdown several states (Alabama, AlaskaCalifornia, Colorado, DC, Delaware, Georgia, LouisianaMaine, Mississippi, New Jersey, New MexicoNew York, Oklahoma, and Washington) have issued bulletins encouraging insurance carriers to work with affected policyholders prior to issuing a cancellation or non-renewal of policies due to the non-payment of premiums.

Please review the attached bulletins for provisions which may affect your business and take appropriate action.

Affected Lines of Business:    All Lines (including Surplus Lines) 

Impacted policyholders:  consumers affected by the federal government shutdown

As a result of the Federal Government Shutdown several states (California, Colorado, DC, Delaware, Georgia, Maine, Mississippi, New Jersey, New York, Oklahoma, and Washington) have issued bulletins encouraging insurance carriers to work with affected policyholders prior to issuing a cancellation or non-renewal of policies due to the non-payment of premiums.

Please review the attached bulletins for provisions which may affect your business and take appropriate action.

Affected Lines of Business:    All Lines (including Surplus Lines) 

Impacted policyholders:  consumers affected by the federal government shutdown



New York Circular Letter No. 10 - July 27, 2017

The NC DOI has issued another Amended Bulletin 18-B-12 Amended on 11/7/18 which expands the county listing.  The amended Bulletin did not change the time frames from the original Bulletin.
 
Complete listing of affected counties now includes:  Anson, Beaufort, Bladen, Brunswick, Carteret, Chatham, Columbus, Craven, Cumberland, Duplin, Durham, Greene, Guilford, Harnett, Hoke, Hyde, Johnston, Jones, Lee, Lenoir, Moore, New Hanover, Onslow, Orange, Pamlico, Pender, Pitt, Richmond, Robeson, Sampson, Scotland, Union, Wayne, and Wilson counties.




The NC DOI has issued another Amended Bulletin 18-B-12 Amended on 9/28/18 which expands the county listing to include Greene.
 
Complete listing of affected counties now includes:  Beaufort, Bladen, Brunswick, Carteret, Columbus, Craven, Cumberland, Duplin, Greene, Harnett, Hoke, Hyde, Johnston, Jones, Lee, Lenoir, Moore, New Hanover, Onslow, Pamlico, Pender, Pitt, Richmond, Roberson, Sampson, Scotland, Wayne, and Wilson.




The North Carolina Insurance Department has issued an Amended Order and Amended Bulletin 18-B-12 on 9/19/18 which expands the county listing to include the following additional counties: Bladen, Columbus, Cumberland, Duplin, Harnett, Jones, Lenior, Robeson, Sampson, Wayne
 
The new Amended Order will expire 90 days from 9/19/18.




The North Carolina Insurance Department has issued an Amended Order and Amended Bulletin 18-B-12 on 9/19/18 which expands the county listing to include the following additional counties: Bladen Columbus, Cumberland, Duplin, Harnett, Jones, Lenior, Robeson, Sampson, Wayne
 
The new Amended Order will expire 90 days from 9/19/18. 




As a result of Hurricane Florence, North Carolina has issued an Emergency Order which among other things, requests carriers to offer insureds who reside within the affected areas the option to defer premium payments for 30 days. The Emergency Order was issued on September 17, and will be effective for 90 days unless extended.

Affected Lines of Business:    All Lines (including Surplus Lines)

We recommend consideration before issuing a cancellation to an insured in the affected areas.

Impacted policyholders are located in the following counties:  Beaufort, Brunswick, Carteret, Craven, New Hanover, Onslow, Pamlico, and Pender.  See Order 9/17/18 for details.

Due to severe weather and tornadoes on 5/27 and 5/28, the Ohio issued Bulletin 2019-03 requesting that insurers with affected policyholders defer premium payments and extend provisions imposing time constraints within which insureds must take certain action, pursuant to the Governor's May 28, 2019, State of Emergency declaration.   Insurers should give the affected insureds the option of deferring premium payments coming due, interest free, for up to 60 calendar days from the original premium due date. Insurers should also extend for 60 calendar days time limits that may have been placed on policyholders to perform any act, including the transmittal of information or funds. The 60-day calendar period should not extend beyond July 28, 2019.
 
Affected Lines of Business:    All Lines (including Surplus Lines)
 
Impacted policyholders are located in the following counties:  Greene, Mercer and Montgomery counties, and any other counties that subsequently declare an emergency due to dangerous and damaging conditions resulting from the severe weather and tornadoes.
 
Please see the attached bulletin for details.




As a result of severe storms and heavy rains, Ohio issued Bulletin 2019-01 which requests insurance companies to defer premium payments for affected policyholders.  “All insurance companies and other entities transacting the business of insurance in the State of Ohio are to give their insureds affected by this disaster the option of deferring premium payments coming due, interest free, for up to 60 calendar days from the original premium due date.”  Additionally consideration is to be provided to extend any time limitations within policy provisions for 60 days.  This is effective March 15, 20198 and will expire June 11, 2019.
 
Affected Lines of Business:    All Lines (including Surplus Lines)
 
Impacted policyholders are located in:  Adams, Athens, Brown, Gallia, Guernsey, Hocking, Jackson, Jefferson, Lawrence, Meigs, Monroe, Morgan, Muskingum, Noble, Perry, Pike, Ross, Scioto, Vinton and Washington counties, and any other counties that subsequently declare an emergency due to dangerous and damaging conditions resulting from the severe storms and heavy rains that began February 5, 2019 and lasted through February 13, 2019.




As a result of severe storms and heavy rains, Ohio issued Bulletin 2018-01 which requests insurance companies to defer premium payments for affected policyholders. “All insurance companies … are to give their insureds affected by this disaster the option of deferring premium payments coming due, interest free, for up to 60 calendar days from the original premium due date.” Additionally consideration is to be provided to extend any time limitations within policy provisions for 60 days. This is effective March 7, 2018 and will expire May 24, 2018.

Affected Lines of Business: All Lines (including Surplus Lines)

Impacted policyholders are located in: Columbiana, Jefferson, Belmont, Monroe, Washington, Athens, Meigs, Gallia, Lawrence, Scioto, Adams, Brown, Clermont, Hamilton, Hocking, Jackson, and Muskingum Counties, and any other counties that subsequently declare an emergency.

On 6/5/19, the Oklahoma DOI issued a 3rd revision to Bulletin No. 2019-EXEC-01, which imposes a 30-day moratorium on adverse action by all insurers, including surplus lines carriers, after the May storms. The DOI inserts new language (which is underlined in the attachment) in Paragraph No. 1 on page 2. The new language does the following:

  • makes the moratorium inclusive to any notification period required by Sections 3639.1 and OK ADC 365.15-1-14 for cancellations, nonrenewals, or terminations of coverages in affected areas;
  • requires the notification periods to start when the moratorium period ends (currently June 23, 2019 unless extended); and
  • prohibits an insurer from increasing premium rates, cancelling a policy, or refusing to issue or renew a policy solely on the basis of a policyholder's claim inquiry (including verification of coverage for flood and other types of insurance coverage), if the policyholder does not, in fact, submit a claim.



The Oklahoma Department of Insurance (DOI) issued Amended Bulletin No. 2019-EXEC-01 to revise the flood zip code list in Attachment A of Bulletin No. 2019-EXEC-01 (May 24, 2019). The amended bulletin increases the number of zip codes covered by the 30-day moratorium from 182 to 391. All of the other information addressing the duties of insurers and adjusters in the May bulletin remains unchanged.



As a result of severe damage caused by tornados, thunderstorms and flooding, Oklahoma issued Bulletin 2019-Exec-01 establishing a moratorium on cancellations, non-renewals or policy termination in specified zip codes. This moratorium is effective for 30 days from 5/24/19 and may be extended by the Commissioner if necessary.

Affected Lines of Business: All Lines (including Surplus Lines)

Impacted policyholders are located in zip codes included in Attachment A of the attached bulletin.

Please see the attached bulletin for details.




As a result of the Federal Government Shutdown several states (California, Colorado, DC, Delaware, Georgia, Maine, Mississippi, New Jersey, New York, Oklahoma, and Washington) have issued bulletins encouraging insurance carriers to work with affected policyholders prior to issuing a cancellation or non-renewal of policies due to the non-payment of premiums.

Please review the attached bulletins for provisions which may affect your business and take appropriate action.

Affected Lines of Business:    All Lines (including Surplus Lines) 

Impacted policyholders:  consumers affected by the federal government shutdown

As a result of Hurricane Dorian, South Carolina has declared a State of Emergency and issued Bulletin 2019-08 encouraging insurers to provide relief to affected policyholders. This relief should include the following:

  • Leniency with delayed premium payments
  • Additional time before renewals or cancellations become effective
  • Extensions on proof of loss deadlines
  • Waiver of limitations relating to use of out-of-network providers
  • Waiver of fees, penalties or other charges related to an insured’s temporary inability to submit premium payments or otherwise respond as a result of this disaster

Affected Lines of Business: All Lines (including Surplus Lines)

Impacted policyholders are located in: not specified




As a result of Hurricane Florence, South Carolina has issued an Emergency Order which includes a 60-day moratorium on cancellations for failure to pay premium and nonrenewals for insureds that will end November 13, 2018. The Order also covers claims handling expectations and reasonable exceptions to contractual requirements. The Emergency Order was issued on September 14, and will be effective for 120 days unless extended.
 
Affected Lines of Business:    All Lines (including Surplus Lines)
 
Impacted policyholders are located in all South Carolina counties.  See Emergency Order 2018-EO-001 for details.

As a result of the Federal Government Shutdown several states (California, Colorado, DC, Delaware, Georgia, Maine, Mississippi, New Jersey, New York, Oklahoma, and Washington) have issued bulletins encouraging insurance carriers to work with affected policyholders prior to issuing a cancellation or non-renewal of policies due to the non-payment of premiums.

Please review the attached bulletins for provisions which may affect your business and take appropriate action.

Affected Lines of Business:    All Lines (including Surplus Lines) 

Impacted policyholders:  consumers affected by the federal government shutdown