Compliance

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.

On June 18, 2026, the Louisiana Department of Insurance enacted Emergency Rule 50. Among other provisions, this rule suspends certain cancellations, terminations, nonrenewals, premium payments, claim filings, and related provisions in lieu of Tropical Storm Arthur and its aftermath. The rule outlines the parishes and lines of insurance to which it is applicable. Emergency Rule 50 will remain in effect until July 22, 2026, unless the Commissioner of Insurance ends it earlier.

New York has enacted Assembly Bill 10008 which includes major provisions necessary to implement the state's transportation, economic development, and environmental conservation budget for fiscal year 2026-2027. Below are several insurance-related highlighted from the bill. Please review the bill in its entirety for a complete understanding of all provisions.

On June 17, 2026, the North Carolina Department of Insurance (NCDOI) issued Bulletin Number 26-B-10  all insurers writing property and casualty insurance in the state, requesting catastrophe reinsurance data for personal lines property policies. 

On June 12, 2026, the Texas Department of Insurance (TDI) issued Commissioner’s Bulletin #B-0004-26 to announce their calendar year 2025 disallowed expenses data call.

Louisiana has enacted House Bill 825 which, among other provisions, amends the required homeowner notice for stated value policies. Before the issuance of such insurance policies, insurers must obtain a statement signed by insureds containing the amended notice, which is to be provided in boldfaced type no smaller than eighteen-point font.