Compliance

 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. 

On July 17, 2026, the Alabama Department of Insurance issued Bulletin No. 2026-04 announcing revisions of SERFF filing fees and maintaining that such fees must be made by electronic funds transfer (EFT) payment. The bulletin provides updated filing fees for different filing types and lines of insurance. Effective October 1, 2026, this bulletin rescinds and replaces Bulletin No. 2021-06, Bulletin No. 2024-04, and Bulletin No. 2025-04.

On July 20, 2026, the Texas Department of Insurance (TDI) issued Commissioner’s Bulletin #B-0006-26 regarding working with policyholders affected by severe storms and flooding. Among other provisions, the TDI expects insurers to suspend policy vacancy provisions as long as reasonably necessary for displaced policyholders. Additionally, insurers should implement a grace period for policyholders who need more time to pay premiums. This grace period may include minimizing charges for late payments or temporarily suspending payment plans. Furthermore, insurers are expected to assist in educating consumers about disaster relief programs and loss reporting.

On July 17, 2026, the Colorado Division of Insurance (Division) issued Bulletin No. B-5.58 regarding claim handling for Additional Living Expenses, Loss of Use, and similar policy coverages for policyholders displaced by current Colorado wildfires.

On July 18, 2026, the Pennsylvania Insurance Department (PID) issued a noticefor their annual Private Passenger Automobile Data Call. The data call consists of two parts, with details on who must complete and submit data for each part. The instructions and spreadsheets are provided in the data call details on the PID's website. Responses on both parts must be submitted no later than October 15, 2026.

On July 9, 2026, the Nevada Division of Insurance (Division) issued Bulletin 26-002 regarding insurers cancelling new homeowner policies late in the 70-day underwriting period based on property inspection results. As the timing of such cancellations can create unnecessary financial and logistical hardship for policyholders, the Division provides guidance to insurers on handling homeowner property inspections. Among other provisions, insurers should conduct property inspections prior to or very shortly after binding coverage when possible. In addition, insurers should avoid relying on inspections conducted late in the underwriting period as a basis for cancellation except in certain cases. Furthermore, insurers should send written communications to applicants and policyholders clearly explaining any pending inspection requirements and potential implications of inspection results.

Louisiana has enacted House Bill 1162 which requires insurers to verify a contractor’s license status through the website or portal of the Louisiana State Licensing Board for Contractors if the contractor is a named payee on a check or draft for the repair or restoration of immovable property. The bill provides safe harbor from penalties arising from a delay in transmitting payment if such delay is caused by an insurer’s inability to verify a contractor’s license after following the provided procedures. In addition, the bill establishes limitations for insureds bringing a cause of action against an insurer in personal injury or bodily injury claims.

Connecticut has enacted House Bill 5373 which, among other provisions, allows insurers to send premium billing notices by electronic means to insureds for certain policies if agreed upon as described. Additionally, for premium billing notices of personal risk insurance policies, this bill requires insurers to state that they shall provide a reasonable explanation for premium increases within 20 business days after receiving a named insured’s request. Insurers must also include a prominent statement containing the insurer’s contact information on such notices, to which policyholders may submit their explanatory requests.

On June 29, 2026, Illinois issued Company Bulletin 2026-08, requiring all insurers in the state who collected direct written premium amounts of more than $100 million nationwide during 2025 to respond to the NAIC Climate Risk Disclosure Survey. The bulletin provides instructions for submitting survey responses, which are due August 31, 2026.

Louisiana has enacted House Bill 1117 which, among other provisions, amends how certain insurer actions affect a claim's prescriptive period. The bill clarifies that an insurer’s payment under the terms of certain policies is not considered acknowledgement of a debt and does not extend the prescriptive period. Additionally, if an insurer issues an unconditional payment for certain homeowner policy claims, the bill requires the insurer to provide written notice to the claimant that the payment does not affect the claim’s prescriptive period.