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California Department of Insurance Orders Immediate Halt to Unauthorized Property and Casualty Pricing

CA| The California Department of Insurance Bulletin 2025-11 warns insurers that using negotiated, mutually-agreed-upon rates, retrospective rating plans, Large Risk Alternative Rating Options (LRAROs), or consent-to-rate arrangements—without having filed and received approval for specific rating factors and formulas—likely violates Proposition 103’s rate approval requirements for property and casualty insurance. Insurers using these unapproved practices must […]

Mississippi Announces Addition of Approved Surplus Lines Insurer

MS| Bulletin 25-17, issued by the Mississippi Surplus Lines Association, announces the addition of Apex Star Reciprocal Exchange, NAIC #17742, to their list of approved unauthorized surplus lines insurers. Effective June 18, 2025. Click here to see MSLA Bulletin 25-17

Maryland Insurance Commissioner Urges Insurers to Ease Restrictions on Medication Refills After Historic Flooding

MD| The Maryland Insurance Commissioner issued Revised Bulletin 25-7 in response to record flooding in Allegany and Garrett Counties, which caused significant property damage, displacement, and loss of access to prescription medications and durable medical equipment for many residents. The bulletin requests that health insurance carriers consider the impact of the flooding when deciding whether […]

Maryland Sets Standards for Use of Satellite Imagery in Property Insurance Decisions

MD| The Maryland Insurance Administration’s Bulletin 25-10 clarifies that while insurers may use satellite or aerial imagery for property insurance cancellations, nonrenewals, or claim denials, such actions are only permissible when the imagery provides a clear, accurate, and current view of the property. Insurers must provide specific reasons for cancellation or nonrenewal and cannot rely […]

Alabama Sets Standards for Insurers’ Use of Drone and Satellite Images in Underwriting and Claims

AL| The Alabama Department of Insurance’s Bulletin 2025-03, provides guidance to insurers writing homeowner and commercial property and casualty insurance in Alabama regarding the use of aerial imagery—such as photos or videos from satellites, aircraft, or drones—in decision-making processes. While acknowledging the benefits of aerial imagery for claims handling and property evaluation, especially during catastrophic […]

Florida’s Governor Signs House Bill 1549 Into Law Eliminating Diligent Effort Requirement for Agents Placing Surplus Lines Insurance

FL| Florida House Bill 1549, just signed into law, makes significant changes to Florida’s financial services and insurance regulations. The law streamlines the process for securing insurance through surplus lines carriers by removing the previous requirement that agents must first obtain three denials from admitted insurers before turning to surplus lines. It also updates assessment […]

Missouri Waives Insurance Claim Holdbacks for St. Louis Tornado Victims Through 2026

MO| The Missouri Department of Commerce and Insurance has issued Bulletin 25-05 in response to the May 16, 2025, tornado in St. Louis, announcing the waiver of the city’s insurance claim holdback ordinance for properties that sustained 50% or more damage within designated tornado-impacted neighborhoods. This temporary policy shift, effective immediately and lasting through December […]