Compliance

On August 14, 2026, the California Department of Insurance released Bulletin 2026-6 to all admitted and non-admitted insurers in the state to issue a mandatory moratorium on the cancellation and nonrenewal of residential and commercial property insurance following the emergency declaration due to the Gann Fire.

On August 12, 2026, the New Hampshire Insurance Department (NHID) issued Bulletin INS 26-052-AB reminding all personal lines automobile insurers to maintain legal compliance with policy termination notices for nonpayment of a renewal premium. Such termination notices should provide a cure period of at least 10 days, during which the insured may pay the overdue premium and seamlessly continue coverage. If the insured fails to cure the premium nonpayment within the required notice period, the insurer may terminate the policy.

On July 8, 2026, the North Carolina Department of Insurance (NCDOI) issued Bulletin 26-B-07 outlining procedures for catastrophic motor vehicle damage appraisers. Unless carrying proper identification, no motor vehicle damage appraisers will be allowed access to a declared disaster area.

Illinois has enacted Senate Bill 2910 which, among other provisions, amends certain statutes related to the Illinois FAIR Plan Association (Association).

Florida has amended Rule 69O-137.008 to update the link to Form OIR-B1-588 and change the corresponding effective date to 6/26. Insurers authorized to transact any of the specified lines of insurance in the state must report their individually rated risks and excess rates to the Office of Insurance Regulation using Form OIR B1-588. This form must be filed electronically at floir.gov/iportal within 45 days of the closing of each quarter. A separate report must be completed each quarter, even if no individually rated risks or risks subject to excess rates have been written in the period.

On August 5, 2026, the North Carolina Rate Bureau (NCRB) issued Circular G-26-4 announcing that checks will no longer be issued for payments made to member companies. Effective October 1, 2026, all payments from the NCRB to member companies will be made via Electronic Funds Transfer (EFT)/Automatic Clearing House (ACH).

On August 3, 2026, the Washington State Office of the Insurance Commissioner issued Emergency Order No. 26-01 requiring all property and automobile insurers in the state to provide relief to consumers from the 2026 wildfires.

On July 31, 2026, the Oregon Division of Financial Regulation (Division) issued Bulletin No. DFR 2026-6 regarding areas subject to the Department of Consumer and Business Services Wildfire Emergency Order. A list of affected ZIP codes is provided in the bulletin; the Division will update this list on a timely basis through GovDelivery and the Division’s website. Additionally, insurers are encouraged to allow consumers to attest to being affected by the fires and in good faith try to provide relief.

On July 22, 2026, the Mississippi Insurance Department (MID) issued Bulletin 2026-9 setting forth expectations for how insurers certified to do business in the state may use artificial intelligence (AI) technologies in decisions impacting consumers.

 Hawaii has enacted Senate Bill 2964 which, among other provisions, requires homeowners insurers to provide written notice in paper format to policyholders at least once every two years informing the policyholder that they may submit information regarding improvements made to the insured residential property. The insurer should use such information to reevaluate the insured property’s replacement cost. If the dwelling coverage limit is less than the replacement cost, the insurer must offer the policyholder the option to purchase additional homeowners insurance to increase the dwelling coverage limit. Required conditions of this offer are described in the bill.