Important Notices

North Carolina has declared a State of Emergency due to Hurricane Helene on September 25, 2024. Based on this, the North Carolina Department of Insurance (NC DOI) issued Bulletin Number 24-B-13 that requests that insurance companies extend the time period for providing premiums in the affected area.

This grace period extension affects the entire state of North Carolina.

Pursuant to the Emergency Order, this extension of the grace period and moratorium against policy cancellation lasts until November 24, 2024, unless extended.

The Declaration of Emergency can be viewed by accessing the following link:

24-B-13 - Commissioner of Insurance Order - Tropical Storm Helene | NC DOI

Tennessee has declared a State of Emergency due to Hurricane Helene on September 26, 2024. Based on this, the Tennessee Department of Commerce and Insurance (TN DOI) issued Bulletin 24-03 that requests that insurance companies extend the time period for providing premiums in the affected area as well prohibit cancellations of policies during the disaster period.

This grace period extension affects the entire state of Tennessee.

Pursuant to the Emergency Order, this extension of the grace period and moratorium against policy cancellation lasts until November 24, 2024, unless extended.

The Declaration of Emergency can be viewed by accessing the following link:

FloodRecoveryBulletin09302024.pdf (tv.gov)

Pennsylvania has declared a State of Emergency for twenty-eight (28) counties due to flooding on August 9, 2024. Based on this, the Pennsylvania Insurance Department issued a Department Notice dated August 22, 2024 that requests that insurance companies extend the grace period for the payment of premium.
In order to comply with the Department Notice, the following actions have been implemented:

• A moratorium on cancellation of any insurance contract for failure to pay premiums by insureds directly impacted by this disaster. The extension of the grace period is for a period of at least sixty (60) days from the date of the disaster, resulting in the extension of the grace period from August 9, 2024 to October 8, 2024, unless extended.
• Waiver of late fees and penalties.

The Department Notice can be viewed by accessing the following link:

Shapiro Administration Urges Insurer Flexibility for Pennsylvanians Impacted by Tropical Storm Debby

Connecticut has declared a State of Emergency for three (3) counties due to flooding on August 19, 2024. Based on this, the Connecticut Insurance Department issued Bulletin IC-29 and IC-31 that requests that insurance companies extend the grace period for the payment of premium.

In order to comply with the Bulletin, the following actions have been implemented:

• A moratorium on cancellation of any insurance contract for failure to pay premiums by insureds directly impacted by this disaster. The extension of the grace period is for a period of at least sixty (60) days from the date of the disaster, resulting in the extension of the grace period from August 19, 2024 to October 18, 2024, unless extended.

The Department Bulletins can be viewed by accessing the following links.

Bulletin IC-34 (Reissued) - Weather related event or other disaster
Bulletin IC-33 Name of storm or other event (June 25, 2013)

Louisiana has declared a State of Emergency for twenty-five (25) counties due to Hurricane Francine on September 9, 2024. Based on this, the Louisiana Department of Insurance issued a Declaration of Emergency Rule 49 dated September 12, 2024 that requests insurance companies temporarily suspend premium payments and prohibit policy cancellations in the affected area.

In order to comply with the Declaration of Emergency Rule 49, the following actions have been implemented:

• A moratorium on cancellation of any insurance contract for failure to pay premiums by insureds directly impacted by this disaster. The extension of the grace period from September 9, 2024 to November 11, 2024, unless extended.
• Waiver of late fees and penalties.

The Declaration of Emergency Rule 49 applies to all lines of insurance.

The Declaration of Emergency can be viewed by accessing the following link:
emergencyrule49-cur-suspensionofcertains (la.gov)

Alaska has declared a State of Emergency for the city of Ketchikan due to flooding on August 26, 2024. Based on this, the Alaska Department of Commerce, Community, and Economic Development Division of Insurance (ADOI) Bulletin B24-10 dated August 27, 2024, that requests that insurance companies temporarily suspend premium payments (i.e., extend the grace period) in the affected area.

In order to comply with the Bulletin, the following actions have been implemented:

• A moratorium on cancellation of any insurance contract for failure to pay premiums by insureds directly impacted by this disaster. The extension of the grace period is for a period of at least sixty (60) days from the date of the disaster, resulting in the extension of the grace period from August 26, 2024 to October 25, 2024, unless extended.

The Department Bulletin can be viewed by accessing the following links.

https://www.commerce.alaska.gov/web/Portals/11/Pub/B24-10.pdf

South Carolina has declared a State of Emergency for the entire state due to Hurricane Helene on September 25, 2024. Based on this, the South Carolina Department of Insurance issued a Bulletin Number 2024-12 that requests insurance companies extend grace periods and prevent cancellations during the effective period

In order to comply with the Bulletin Number 2024-12, the following actions have been implemented:

• A moratorium on cancellation of any insurance contract for failure to pay premiums by insureds directly impacted by this disaster. The extension of the grace period from September 25, 2024 to November 25, 2024, unless extended.
• Waiver of late fees and penalties.

Bulletin Number 2024-12 applies to all lines of insurance.

Bulletin Number 2024-12 can be viewed by accessing the following link:
Bulletin-2024-12Additional-Assistance-for-Insureds-Directly-Impacted-by-TS-Helene (sc.gov)

Florida has declared a State of Emergency due to Hurricane Helene and Hurricane Milton. Based on this, the Florida Office of Insurance Regulation issued Amended Emergency Order 400385-24 and Emergency Order 400386-24 that requests that insurance companies temporarily suspend payments by extending the grace period and prevent cancellations in the affected area.

Pursuant to these Emergency Orders, this extension of the grace period and moratorium against policy cancellations lasts until December 10, 2024, unless extended.

The Emergency Orders can be viewed by accessing the following links:

EO 400385-24 (floir.com)
EO 400386-24 (floir.com)