Compliance

On September 15, 2025, the Washington State Office of the Insurance Commissioner (OIC) issued a data call on residential policy nonrenewals and cancellations, along with instructions and worksheets for submission.

Wyoming has modified Chapter 26 of the Insurance Department regulations, which among other provisions states that if an insured loss causes damage to all facets of the roof of a covered property, the entire roof should be replaced. Additionally, other adjustment practices for roof damage covered under a homeowners policy are provided, including that photographic documentation of the roofing product, in and of itself, is insufficient for meeting reasonable investigation requirements, and that no insurer should depreciate the cost of labor associated with the installation and tear-off of roofing products when adjusting a roofing claim.

On September 11, 2025, the Missouri Department of Commerce and Insurance issued Insurance Bulletin 25-09 to inform certain insurers of the new Missouri Insurance Verification System (MOIVS). 

On September 2, 2025, the Texas Department of Insurance (TDI) issued Commissioner's Bulletin #B-0013-25 to announce their disallowed expenses data call.

On August 18, 2025, the Rhode Island Department of Business Regulation issued Insurance Bulletin Number 2025-3 regarding the use of aerial imagery in the underwriting of homeowners insurance policies and the settlement of claims.

Colorado has enacted House Bill 1182, which, among other provisions, states that an insurer that uses a wildfire risk model, a catastrophe model, or scoring method to assign risk must provide the model or method to the Commissioner as part of a complete filing. The filing should include a description of the model, the impact of the model on rates, actuarial justification for all rating factors, mitigation discounts offered, and an explanation of the use of the model in underwriting decisions.

On August 20, 2025, Iowa Governor Kim Reynolds issued a Proclamation of Disaster Emergency for Chickasaw, Winnebago, and Winneshiek Counties in response to severe storms and weather that occurred on August 17, 2025. 

On August 11, 2025, the North Carolina Department of Insurance (NCDOI) issued Bulletin 25-B-09 regarding the use of aerial imagery in making underwriting decisions and claims handling.

On August 8, 2025, the California Department of Insurance (CDI) released Bulletin 2025-12 to all admitted and non-admitted insurers in the state to issue a mandatory moratorium on the cancellation and nonrenewal of residential property insurance following the emergency declaration due to the Franklin Fire in the City of Malibu.