Compliance

Louisiana has adopted Regulation 136 which establishes mandatory property insurance discounts for homes that meet or exceed FORTIFIED requirements.

On September 16, 2026, the Texas Department of Insurance issued Commissioner's Bulletin #B-0008-26 to encourage all property and casualty insurers to develop meaningful, actuarially supported premium discounts for homeowners who invest in loss mitigation.

On July 31, 2026, the Director of the Oregon Department of Consumer and Business Services issued a Wildfire Emergency Order requiring all insurers to take certain actions regarding claims related to areas affected by the wildfire, and instituting a grace period for premium payment on all insurance policies within the affected areas. This order was extended by 30 days on August 30, 2026.

On September 17, 2026, the Hawaii Department of Commerce and Consumer Affairs issued Commissioner's Memorandum 2026-9PC requiring all insurers who currently write, or have written, residential hurricane coverage in the last fifteen years to complete the data call worksheet.

Colorado has enacted 3 CCR 702-5, Regulation 5-1-29 regarding homeowners and property insurance filing requirements for wildfire risk models and mitigation discounts.

Missouri has enacted two bills involving the legal title of property damage claims paid, in whole or in part, by an insurer. The portion of the claim paid by the insurer shall vest in the insurer; the claimant retains legal title of the remaining claim. House Bill 2636 and Senate Bill 835 add additional provisions as stated below.

Louisiana has adopted Regulation 138 which, among other provisions, requires insurers authorized to issue commercial motor vehicle insurance policies to provide a discount on the liability premium for each commercial motor vehicle equipped with a dashboard camera and telematics system that meet the specified requirements. The regulation describes the qualifications for the premium discount, annual verification procedures, and insurer qualifications for exemption.

On August 21, 2026, the Vermont Department of Financial Regulation (Department) issued Insurance Bulletin #241 regarding the use of aerial imagery by property and casualty insurers.

On July 31, 2026, the Director of the Oregon Department of Consumer and Business Services issued a Wildfire Emergency Order requiring all insurers to take certain actions regarding claims related to areas affected by the wildfire, and instituting a grace period for premium payment on all insurance policies within the affected areas. On August 30, 2026, the Director released an Order Extending Wildfire Emergency Order to extend the effective period 30 days.

On August 26, 2026, the Hawaii Department of Commerce and Consumer Affairs (DCCA) issued Memorandum 2026-7A following Tropical Storm and Hurricane Lala to provide claims handling expectations.