State issued emergency orders

CA Notice 11-15-18
CA Notice 11-14-18
CDI Emergency Declaration 11-14-18

As a result of multiple wildfires, including the Camp, Hill, and Woolsey fires, the California Governor issued state of emergency proclamations commencing November 9, 2018.  Among claims processing procedures, the emergency proclamations requests billing leniency for affected policyholders for at least a 30 day period, 11/15/18 – 12/15/18.
 
Additionally, page 4 of the attached 11/14/18 Notice outlines Underwriting related laws regarding the renewal of affected policyholders.
 
Affected Lines of Business:    All Lines (including Surplus Lines)
 
Impacted policyholders are located in the following counties:  Butte, Los Angeles, and Ventura


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Declaration of Emergency Situation - August 1, 2018
Expedited Claim Handling Billing Grace Period Procedures for California Wildfires - August 1, 2018
Important California Laws that Pertain to Property Insurance Policies after a Declared Disaster - August 1, 2018

Due to the effects of multiple fires, including the Carr, Cranston, Ferguson, Holiday, Holy, Pawnee, River, Ranch, Steele, and West fires, the Governor of the State of California issued state of emergency proclamations commencing July 6, 2018. On August 1, 2018 the CDI issued an emergency declaration and two notices to all insurers to speed recovery efforts:

  • Declaration of Emergency Situation
  • Notice of Important California Laws that Pertain to Property Insurance Policies after a Declared Disaster, and
  • Notice of Expedited Claim Handling Billing Grace Period Procedures for California Wildfires (Notice).
All insurers should grant billing leniency for at least 30 days for customers in designated wildfire disaster areas. Whenever there is widespread wildfire loss, some victims lose their insurance renewal notices or may not have the ability to have mail forwarded. This can result in victims losing their insurance coverage for nonpayment of premium. Many insurers already voluntarily grant payment leniency for wildfire victims.

The Notice grants at least a 30 day period, 8/1/18 – 9/1/18, however, consideration for policyholders impacted by the disaster may be applied beyond this period based on underwriter judgement.

Affected Lines of Business:    All Lines (including Surplus Lines)

Impacted policyholders are located in Lake, Mendocino, Mariposa, Napa, Orange, Riverside, Santa Barbara, San Diego, Shasta, and Siskiyou counties

As a result of Hurricane Michael, Florida has issued an Emergency Order which suspends cancellations and nonrenewal for period between October 7th, 2018 and January 7, 2019.  Any cancellation or non-renewal notices issued or mailed on or after September 27 must be withdraw and re-issued after January 7th.  Cancellations and non-renewal effective between October 7, 2018 and January 7, 2019 should be extended to January 7, 2019 or later.
 
Please see the Order for details.
 
Affected Lines of Business:    All Lines (including Surplus Lines)
 
Impacted policyholders are located in the following counties: Bay, Calhoun, Citrus, Columbia, Dixie, Escambia, Franklin, Gadsden, Gilchrist, Gulf, Hamilton, Holmes, Jackson, Jefferson, Lafayette, Leon, Levy, Liberty, Madison, Okaloosa, Santa Rosa, Suwannee, Taylor, Wakulla, Walton, and Washington
 
Take action as you deem necessary for your business, including forwarding to other interested parties.   Feel free to review the PRS SharePoint site for information on this, and other Emergency Orders. http://sharepoint/PLL-PRSSupport/Emergency Orders/Forms/AllItems.aspx.

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Office of Insurance Regulation's Emergency Order -- 9/13/2017

Hurricane Irma -- 17-235/September 4, 2017

From the Florida Office of Insurance Regulations:
"At the Direction of Governor Scott, Insurance Commissioner David Altmaier issued an Emergency Order suspending and activating certain insurance rules and statutes for the health, safety, and welfare of Florida's policyholders. Among other provisions, the Order provides an additional 90 days to policyholders to supply information to their insurance company; prohibits insurance companies from canceling or non-renewing policies covering residential properties damaged by the hurricane for at least 90 days; and freezes any and all efforts to increase rates on policyholders for 90 days. The Order can be found here.
 
Please contact the Office of Insurance Regulation, Communications Office at press@floir.com or 850-413-2515 if you have any questions."

Florida Office of Insurance Regulation (FLOIR) hurricane resource page

Georgia has issued additional Directive-18-EX-4 instructing insurers to provide continued relief to policyholders from October 17, 2018 until November 30, 2018.

 


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As a result of Hurricane Michael, Georgia has issued Directive 18-EX-2 Order which “encourages insurers to provide relief to policyholders, including exercising leniency where premium payments may appear tardy due to the disruption of services resulting from of the storm. Likewise, insurers that have or will process lawful cancellation or nonrenewal notices during the time in which Georgia is in a State of Emergency are encouraged to ensure that policyholders impacted by legal adverse underwriting decisions have sufficient time to address their insurance needs.”

 

Affected Lines of Business:    All Lines (including Surplus Lines) 

 

Impacted policyholders are located in the following counties:  Appling, Atkinson, Bacon, Baker, Baldwin, Ben Hill, Berrien, Bibb, Bleckley, Brantley, Brooks, Bryan, Bulloch, Burke, Butts, Calhoun, Camden, Candler, Clarke, Charlton, Chatham, Chattahoochee, Clay, Clinch, Coffee, Colquitt, Columbia, Cook, Crawford, Crisp, Decatur, Dodge, Dooly, Dougherty, Early, Echols, Effingham, Elbert, Emanuel, Evans, Glascock, Glynn, Grady, Greene, Hancock, Houston, Irwin, Jasper, Jeff Davis, Jefferson, Jenkins, Johnson, Jones, Lamar, Lanier, Laurens, Lee, Liberty, Lincoln, Long, Lowndes, Macon, Marion, McDuffie, McIntosh, Miller, Mitchell, Monroe, Montgomery, Morgan, Muscogee, Oconee, Oglethorpe, Peach, Pierce, Pulaski, Putnam, Quitman, Randolph, Richmond, Schley, Screven, Seminole, Stewart, Sumter, Talbot, Taliaferro, Tattnall, Taylor, Telfair, Terrell, Thomas, Tift, Toombs, Treutlen, Turner, Twiggs, Upson, Ware, Warren, Washington, Wayne, Webster, Wheeler, Wilcox, Wilkes, Wilkinson and Worth.   See Executive Orders 10/9/18 and 10/10/18 for details.

 

Take action as you deem necessary for your business, including forwarding to other interested parties.   Feel free to review the PRS SharePoint site for information on this, and other Emergency Orders.  http://sharepoint/PLL-PRSSupport/Emergency Orders/Forms/AllItems.aspx.


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Directive 17-EX-7 - September 14, 2017

Illinois Department of Insurance (July 17, 2017)

Illinois Disaster Declaration Guidelines

Effective July 17, 2017 Governor Bruce Rauner declared Cook, Kane, Lake and McHenry counties state disaster areas.

To help provide safeguards for consumers and to ensure that those affected by this disaster do not suffer unnecessary hardship, the following guidelines will be followed for affected insurance policies issued by Markel Corp.’s subsidiaries and affiliates:

  • Cancellations or nonrenewal notifications issued between July 12, 2017 and September 30, 2017 are hereby withdrawn, and any coverage impacted by such notices is reinstated without any lapse. Newly issued cancellation and non-renewal notices for impacted policyholders will be withheld until September 30, 2017.

  • A minimum 60 day extension (from the last date allowed) will be granted to affected policyholders for any policy provisions or other requirements that impose a time limit for an insured or claimant to perform any act.

  • Late fees and installment fees will be waived during this period.

Consumers may contact the Illinois Department of Insurance if they wish to file a complaint regarding any disaster-related dispute or issue.

Complaints may be filed by calling the Department’s toll-free complaint hotline at 1-866-445-5364 or submitting a complaint online at: https://mc.insurance.illinois.gov/messagecenter.nsf

As a result of severe storms and flooding, Indiana has issued a 60 day policy cancellation moratorium in Bulletin 241.   “The moratorium applies only to cancellations/non-renewals attributed to a failure to pay premiums directly as a result of the Disaster Events during the 60-day period. If a policy is to be cancelled or non-renewed for any other allowable reason, the cancellation or non-renewal may be made pursuant to the statutory notice requirements. However, the Department would request insurance companies take into consideration that persons in the heavily Impacted Areas may be unable to receive notice of cancellation or non-renewal due to evacuation or delayed postal service in that area.”
 
This moratorium will last 60 days, and the Department may request an extension of this moratorium if an extension is deemed appropriate. This moratorium will take effect March 2, 2018. The Department expects insurers to apply this moratorium retroactively to the day before the Disaster Events occurred in each Impacted Area.
 
Affected Lines of Business: All Lines (including Surplus Lines)
 
Impacted policyholders are located in: Benton, Carroll, Clark, Crawford, Dearborn, Elkhart, Floyd, Fulton, Harrison, Jasper, Jefferson, Lake, Marshall, Ohio, Perry, Pulaski, Spencer, St. Joseph, Starke, Switzerland, Warrick, And White.

May 23, 2018: As a result of heavy rains, Maryland issued Bulletin 18-07 which encourages insurance companies to provide reasonable accommodations, including a grace period for premium payment, to insureds in the affected areas.
 
Affected Lines of Business:    All Lines (including Surplus Lines)
 
Impacted policyholders are located in:  Frederick and Washington (Zip Codes 21701; 21702; 21703; 21704; 21715; 21718; 21755; 21756; 21758; 21769; 21779; 21782; 21793 and 21770)

May 31, 2018: Maryland has issued Bulletin 18-09 to expand the area affected by flooding (Zip codes 21041, 21042, 21043, 21045, 21228, 21229)

The NC DOI has issued another Amended Bulletin 18-B-12 Amended on 11/7/18 which expands the county listing.  The amended Bulletin did not change the time frames from the original Bulletin.
 
Complete listing of affected counties now includes:  Anson, Beaufort, Bladen, Brunswick, Carteret, Chatham, Columbus, Craven, Cumberland, Duplin, Durham, Greene, Guilford, Harnett, Hoke, Hyde, Johnston, Jones, Lee, Lenoir, Moore, New Hanover, Onslow, Orange, Pamlico, Pender, Pitt, Richmond, Robeson, Sampson, Scotland, Union, Wayne, and Wilson counties.

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The NC DOI has issued another Amended Bulletin 18-B-12 Amended on 9/28/18 which expands the county listing to include Greene.
 
Complete listing of affected counties now includes:  Beaufort, Bladen, Brunswick, Carteret, Columbus, Craven, Cumberland, Duplin, Greene, Harnett, Hoke, Hyde, Johnston, Jones, Lee, Lenoir, Moore, New Hanover, Onslow, Pamlico, Pender, Pitt, Richmond, Roberson, Sampson, Scotland, Wayne, and Wilson.

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The North Carolina Insurance Department has issued an Amended Order and Amended Bulletin 18-B-12 on 9/19/18 which expands the county listing to include the following additional counties: Bladen, Columbus, Cumberland, Duplin, Harnett, Jones, Lenior, Robeson, Sampson, Wayne
 
The new Amended Order will expire 90 days from 9/19/18.

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The North Carolina Insurance Department has issued an Amended Order and Amended Bulletin 18-B-12 on 9/19/18 which expands the county listing to include the following additional counties: Bladen Columbus, Cumberland, Duplin, Harnett, Jones, Lenior, Robeson, Sampson, Wayne
 
The new Amended Order will expire 90 days from 9/19/18. 

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As a result of Hurricane Florence, North Carolina has issued an Emergency Order which among other things, requests carriers to offer insureds who reside within the affected areas the option to defer premium payments for 30 days. The Emergency Order was issued on September 17, and will be effective for 90 days unless extended.

Affected Lines of Business:    All Lines (including Surplus Lines)

We recommend consideration before issuing a cancellation to an insured in the affected areas.

Impacted policyholders are located in the following counties:  Beaufort, Brunswick, Carteret, Craven, New Hanover, Onslow, Pamlico, and Pender.  See Order 9/17/18 for details.

As a result of severe storms and heavy rains, Ohio issued Bulletin 2018-01 which requests insurance companies to defer premium payments for affected policyholders. “All insurance companies … are to give their insureds affected by this disaster the option of deferring premium payments coming due, interest free, for up to 60 calendar days from the original premium due date.” Additionally consideration is to be provided to extend any time limitations within policy provisions for 60 days. This is effective March 7, 2018 and will expire May 24, 2018.

Affected Lines of Business: All Lines (including Surplus Lines)

Impacted policyholders are located in: Columbiana, Jefferson, Belmont, Monroe, Washington, Athens, Meigs, Gallia, Lawrence, Scioto, Adams, Brown, Clermont, Hamilton, Hocking, Jackson, and Muskingum Counties, and any other counties that subsequently declare an emergency.

As a result of Hurricane Florence, South Carolina has issued an Emergency Order which includes a 60-day moratorium on cancellations for failure to pay premium and nonrenewals for insureds that will end November 13, 2018. The Order also covers claims handling expectations and reasonable exceptions to contractual requirements. The Emergency Order was issued on September 14, and will be effective for 120 days unless extended.
 
Affected Lines of Business:    All Lines (including Surplus Lines)
 
Impacted policyholders are located in all South Carolina counties.  See Emergency Order 2018-EO-001 for details.