---
title: Tennessee Requests Moratorium Following Several Tornadoes
description: On December 9, 2023, Tennessee experienced devastating tornadoes that resulted in the destruction of property and other tragedies. The Tennessee Department of Commerce and Insurance (TDCI) issued Bulletin 23-06 following the tornadoes, requesting licensed insurers in the state of Tennessee to assist policyholders who have been affected by the tornadoes by suspending the cancelation or non-renewal of policies due to non-payment of premium for a period of at least 60 days.
---

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# [Tennessee Requests Moratorium Following Several Tornadoes](https://aaisviews.aaisonline.com/compliance-alerts/tennessee-requests-moratorium-following-several-tornadoes)

 Written by [AAIS](https://aaisviews.aaisonline.com/compliance-alerts/author/aais) | Dec 21, 2023

On December 9, 2023, Tennessee experienced devastating tornadoes that resulted in the destruction of property and other tragedies. The Tennessee Department of Commerce and Insurance (TDCI) issued [Bulletin 23-06](https://www.tn.gov/content/dam/tn/commerce/documents/insurance/bulletins/BulletinTornadoRecovery12112023.pdf) following the tornadoes, requesting licensed insurers in the state of Tennessee to assist policyholders who have been affected by the tornadoes by suspending the cancelation or non-renewal of policies due to non-payment of premium for a period of at least 60 days.

 

Additionally, the TDCI further requests the following:

- Allow exceptions to proof-of-loss deadlines, notice requirements, and other contract or underwriting requirements; 
- Allow for policyholders to voluntarily enter payment plans; 
- Allow policyholders to temporarily postpone payment due dates in order to continue insurance coverage;
-  Suspend late-payment, reinstatement, or insufficient-funds fees along with any other fee,  
  penalty, or interest charge resulting from the insured’s temporary inability to submit premium payments; 
- Allow insureds to request a duplicate copy of their policy at no additional cost;
- Refrain from canceling or non-renewing policies solely because of claims resulting from the tornadoes; and 
- Allow for one (1) early or replacement prescription refill per medication. 

For more information, please see [Bulletin 23-06](https://www.tn.gov/content/dam/tn/commerce/documents/insurance/bulletins/BulletinTornadoRecovery12112023.pdf).

 

For any questions regarding this request, please contact Stephanie Cope, Director of Policy Analysis, at Stephanie.Cope@tn.gov.

 

 

Links:

[Bulletin 23-06](https://www.tn.gov/content/dam/tn/commerce/documents/insurance/bulletins/BulletinTornadoRecovery12112023.pdf)

[View full post](https://aaisviews.aaisonline.com/compliance-alerts/tennessee-requests-moratorium-following-several-tornadoes)

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