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Hawaii Announces Updated Flood Insurance Rate Maps

HI| The Hawaii Insurance Division has released Memorandum 2025-14A, updating Flood Insurance Rate Maps (FIRMs) for Oʻahu, changing flood risk designations for over 3,500 parcels effective June 10, 2026, which may newly place properties into Special Flood Hazard Areas (SFHAs) and trigger both stricter building standards under ROH Chapter 21A and mandatory flood insurance for […]

Kuderer Calls on Insurers to Speed Flood Inspections and Help Prevent Dangerous Mold Growth in Washington Homes

WA| Washington State Insurance Commissioner issues guidance to property owners and insurers following the December 2025 flood emergency, emphasizing safety, prompt claim reporting, thorough documentation, timely inspections, mold prevention, and safe cleanup practices, while directing consumers to OIC and FEMA resources for additional help and complaints. Key Points: Click here to see the December 15, […]

Michigan DIFS Updates Bulletin: Insurers Limited to FOIA Copy Rate for Policyholder Documents

MI| Bulletin 2025-28-INS from the Michigan Department of Insurance and Financial Services updates insurers on the maximum allowable copying charge for documents provided to insureds or applicants who request information related to an alleged improper denial of auto or home insurance or an incorrect premium under MCL 500.2113(2)(a). It supersedes Bulletin 2024-28-INS and confirms that, […]

Michigan Updates Fire Insurance Withholding Limits: Here’s the New 2026 Maximum Escrow Amount

MI| Bulletin 2025-27-INS from the Michigan Department of Insurance and Financial Services outlines the annual adjustment of the fire insurance maximum escrow under Section 2845 of the Michigan Insurance Code, effective January 1, 2026, through December 31, 2026. Eligible municipalities participating in the fire insurance withholding program may escrow 25% of fire insurance settlements for […]

Kentucky Dental Carriers Now Required to Honor Patient Assignments and Directly Pay Out-of-Network Providers Under HB 210

KY| Kentucky Department of Insurance Bulletin 2025-05 implements House Bill 210 by clarifying that covered persons may optionally assign out-of-network dental benefits directly to their dental provider using a new Department-created assignment form, under which dental carriers must pay out-of-network dentists directly but may still apply existing out-of-network limitations and allow balance billing, while also […]

Washington Orders 45-Day Grace Period and Fee Waivers on Property and Auto Premiums in Disaster-Impacted Areas

WA| Emergency Order 25-01, issued by the Washington Insurance Commissioner, temporarily requires all insurers and regulated entities transacting property and automobile insurance in areas affected by the December 2025 atmospheric river and winter weather event to extend premium payment grace periods, waive related fees, and halt cancellations and most nonrenewals to protect consumers disrupted by […]

Colorado Updates Surplus Lines Rules: New Disclosure, Tax, and Eligibility Standards Effective January 30, 2026

CO| The Colorado Division of Insurance has amended Colorado Regulation 2-4-1, this regulation sets standards for placing surplus lines insurance and qualifying nonadmitted insurers under the Colorado Nonadmitted Insurance Act and the federal NRRA, applying to eligible nonadmitted insurers, brokers, producers, and independently procured nonadmitted business where the insured’s home state is Colorado. Click here […]

New Colorado Regulation Expands Data Reporting on Substance Use Disorder Treatment Access and MAT Medication Coverage

CO| The Colorado Insurance Division has amended Regulation 4-2-75 establishing detailed annual reporting requirements for health insurance carriers on their coverage of medication-assisted treatment (MAT) for substance use disorders, under the authority of specified Colorado insurance statutes. It applies to all carriers offering individual, small group, and large group health benefit plans in Colorado, including […]

New Colorado Option Regulation Sets Detailed Playbook for Carrier Hearings, Provider Rates, and Consumer Voice

CO| The Colorado Insurance Division has amended Regulation 4-2-92 establishing the procedures for noticing, conducting, and administering Colorado Option public hearings when carriers fail, or are alleged to have failed, to meet statutory premium rate reduction or network adequacy requirements for Colorado Option Standardized Plans. It applies to hearings occurring on or after January 1, […]