Every tracked event

The Texas Department of Insurance stated on October 8, 2026 that most homeowners insurance companies that filed rate changes with TDI since July 1 proposed decreases, affecting about 700,000 Texas policyholders, and that filed homeowners rate changes over the past 90 days averaged a 4.3% decrease. Among the decreases TDI named ASI Lloyds (a Progressive company), which filed a 6% decrease affecting 71,000 policyholders, and Texas Farm Bureau Mutual Insurance Company, which filed a 5.2% decrease affecting 133,000 policyholders; TDI states both are among the top 10 insurance groups in Texas by premium volume. These are filed rates, which TDI reviews against state law; the same release reports auto rate decreases, which are outside this tracker. Rate filings attach as history and set no carrier writing status.

Texas Department of Insurance · second source · Texas tracker

An Order dated October 2, 2026 in case 26-0820-TRN, signed by Stephan S. Mathis as an Independent Hearing Examiner designated by the Insurance Commissioner under 75 O.S. section 316 to determine the question, denies the joint affidavit of the Oklahoma Attorney General and Bob Sullivan, an interested party of record, seeking disqualification of Independent Hearing Examiner John D. Miller and of Insurance Commissioner Glen Mulready. The order finds the movants "have not met their burden of overcoming the presumption of impartiality", denies the request that the Commissioner withdraw as moot on the ground that he has delegated his adjudicative authority to the hearing examiner and does not preside, overrules the movants’ September 29, 2026 joint objection, denies the request to stay substantive rulings, and directs that "the proceeding shall resume under the Hearing Examiner without further delay". It grants the requests to preserve the record of the September 4, 2026 prehearing conference and for a written order. On October 5, 2026 the Attorney General and Bob Sullivan moved to stay further proceedings pending an application to the Supreme Court of Oklahoma to assume original jurisdiction and a petition for writs of prohibition and mandamus; NAMIC and APCIA filed an objection to that motion on October 7, 2026. OID’s case docket carried 45 filings when read on October 12, 2026, against 41 on October 5, with no new hearing date set. A procedural order names no carrier and sets no carrier status.

Oklahoma Insurance Department, Order in case 26-0820-TRN, October 2, 2026 · second source · Oklahoma tracker

The Governor’s office listed AB 2038 (Harabedian), Residential property insurance: cancellations and nonrenewals, among bills signed in its legislative update of September 30, 2026; leginfo records it approved September 30, 2026 and chaptered as Chapter 917, Statutes of 2026. Per the Legislative Counsel’s Digest, after a total loss to the primary insured structure caused by a disaster, an insurer must renew the policy for at least the next three annual renewal periods, and no less than 36 months of coverage from the date of loss (existing law: two renewals and 24 months). It also prohibits an insurer from cancelling or refusing to renew a residential property policy for a property in a ZIP Code within or adjacent to a fire perimeter for two years after the declaration of a state of emergency (existing law: one year, where based solely on the wildfire’s location). Names no carrier and sets no carrier status.

Office of the Governor of California, legislative update, September 30, 2026 · second source · California tracker

The Governor’s office listed AB 2061 (Chen), California FAIR Plan Association: data, among bills signed on September 30, 2026; leginfo records it approved that day and chaptered as Chapter 918, Statutes of 2026. Per the Legislative Counsel’s Digest, the FAIR Plan Association must each quarter post on its website specified information, including the number of policies it has issued in each ZIP Code and its risk exposure, and the requirement to publish its toll-free number in telephone directories is deleted. The bill carries double-jointing language with AB 69, signed September 27. Scheduled output: quarterly ZIP-level FAIR Plan policy counts. Sets no carrier status.

Office of the Governor of California, legislative update, September 30, 2026 · second source · California tracker

The Governor’s office listed AB 2724 (Bauer-Kahan), Insurance: distressed areas, among bills signed on September 30, 2026; leginfo records it approved that day and chaptered as Chapter 961, Statutes of 2026. Per the Legislative Counsel’s Digest, the Department of Insurance must, on or before July 1, 2027 and yearly thereafter, review and update the distressed areas used in its catastrophe-modeling regulations based on updates to wildland-urban interface (WUI) designations, including at least one public meeting on factors for evaluating FAIR Plan percentages in WUI areas, and must publish a list of ZIP Codes in WUI areas on its website by January 1, 2028. It also changes the penalty for an insurer that fails to file its biennial fire risk report to up to $5,000 for each 30-day period of non-compliance, or, if willful, up to $10,000 for each 30-day period with an aggregate cap of $100,000. Scheduled outputs: first distressed-area review by 2027-07-01, WUI ZIP Code list by 2028-01-01. Names no carrier and sets no carrier status.

Office of the Governor of California, legislative update, September 30, 2026 · second source · California tracker

The Texas Department of Insurance filed a proposal on September 29, 2026 to amend 28 TAC section 21.1006, its rule prohibiting insurers from declining to write residential property insurance based on the age or value of the property. As proposed, subsection (b) states that an insurer may not decline to write residential property insurance based on the age of the property or of any of its individual components or materials, including wiring, heating, air conditioning, plumbing, siding and roofing; siding is newly added to the list. New subsection (d) states that the section does not prohibit declining coverage based on the physical condition of the property or its components, or TWIA from requiring building code standards tied to construction date. TDI states in the proposal that the amendments clarify the existing prohibition and "do not change the rule’s meaning or application", and that insurers already in compliance will not need to make filings. TDI’s news release of the same date describes the rule as covering decisions to decline or not renew, and says it was developed in response to the Governor’s August 24, 2026 directive. Per TDI’s 2026 rules index the proposal publishes in the Texas Register on October 9, 2026; written comments are due by 5 p.m. central on November 9, 2026, and a public hearing is set for 2 p.m. on November 3, 2026 under Docket No. 2874. This is a proposal, not an adopted rule. It names no carrier and sets no carrier status.

Texas Department of Insurance · second source · Texas tracker

An Administrative Order filed September 28, 2026 in case 26-0820-TRN records that on September 15, 2026 the matter was heard only on the disqualification of the appointed hearing examiner, sought by joint affidavit of the Oklahoma Attorney General and Bob Sullivan, an interested party of record, under 75 O.S. section 316. The examiner found that the statute requires the issue to be "determined promptly by the administrative head of the agency", ordered the matter stayed, directed the disqualification issue to Insurance Commissioner Glen Mulready for decision, and struck "any hearing dates or schedules previously set". That includes the October 26, 2026 hearing on whether the Oklahoma homeowners insurance market is noncompetitive under 36 O.S. section 984. On September 29, 2026 the Attorney General and Bob Sullivan filed a joint objection asking for a written determination by noon on October 2, 2026, a ruling on the disqualification of both the examiner and the Commissioner, and that the stay remain in effect until both are decided. OID’s case docket carried 41 filings when read on October 5, 2026, the two newest dated September 28 and 29, with no written determination on the docket. A procedural order names no carrier and sets no carrier status.

Oklahoma Insurance Department, Administrative Order in case 26-0820-TRN, September 28, 2026 · second source · Oklahoma tracker

The Governor’s office listed AB 1680 (Calderon), California FAIR Plan Association, among bills signed in its legislative update of September 27, 2026. Per the Legislative Counsel’s Digest of the enrolled bill, it requires the FAIR Plan Association to take corrective actions specified by the Insurance Commissioner to rectify violations identified in a report of examination or other operational report, subjects the association to a penalty of up to $20,000 for failing to take that action within an agreed timeframe, sets civil penalties for other violations of up to $10,000 per act or $20,000 if willful, and authorizes the Commissioner to require the association to adjust the policy limits available under its programs and to offer additional fair rental value coverage under its renters program. It is drafted to operate together with AB 69, signed the same day. The legislative record read on September 28, 2026 did not yet show a chapter number. This follows the enrolled-bill event of September 4, 2026; it changes oversight of the FAIR Plan and sets no carrier status.

Office of the Governor of California, legislative update, September 27, 2026 · second source · California tracker

The Governor’s office listed AB 69 (Calderon), FAIR Plan policy notices and renewals, among bills signed on September 27, 2026. Per the Legislative Counsel’s Digest of the enrolled bill: on and after January 1, 2028 the FAIR Plan Association may share policyholder information with insurers in its clearinghouse program so they can offer voluntary-market policies to FAIR Plan policyholders, with any offer made simultaneously to the agent or broker of record; beginning May 1, 2027 participating insurers must report quarterly the number of policies issued to FAIR Plan policyholders, and the association must report aggregated numbers and post a quarterly-updated list of participating insurers on its website; the association must give every policyholder a notice of coverage options at least annually, including at issuance and each renewal; and agents and brokers must provide clearinghouse information and complete association training on advising policyholders about voluntary-market options. The legislative record read on September 28, 2026 did not yet show a chapter number. Scheduled output: quarterly clearinghouse take-out counts from May 2027. Sets no carrier status.

Office of the Governor of California, legislative update, September 27, 2026 · second source · California tracker

The Governor’s office listed SB 1301 (Allen), Residential property insurance: nonrenewals, among bills signed on September 27, 2026. Per the Legislative Counsel’s Digest of the enrolled bill, beginning January 1, 2028 an insurer must deliver a notice of non-renewal at least 90 days before policy expiration (existing law requires 75), with the policy remaining in effect for 90 days from delivery if it fails to; must give a detailed plain-language explanation of the grounds for non-renewal and any non-aerial imagery relied on, and provide inspection findings or reports on request within 15 days; and, where a policy fails underwriting guidelines because of a condition the policyholder can remedy, must send a notice at least 120 days before expiration explaining what would qualify the policy for renewal and allow at least 90 days to remediate. It prohibits refusing to renew solely on the basis of certain claims, a policyholder’s previous inquiry, or, under certain circumstances, the age of the roof. Insurers must report to the Commissioner annually from April 1, 2029, and the Commissioner must publish an aggregated report annually from September 1, 2029. The legislative record read on September 28, 2026 did not yet show a chapter number. Names no carrier and sets no carrier status.

Office of the Governor of California, legislative update, September 27, 2026 · second source · California tracker

The Governor’s office listed SB 876 (Padilla), Fire and residential property insurance, among bills signed on September 27, 2026. Per the Legislative Counsel’s Digest of the enrolled bill, operative January 1, 2028, it prohibits issuing or renewing a residential property policy unless the applicant or insured is offered extended replacement cost coverage of at least 50% above the dwelling limit where the property is eligible for replacement cost coverage; extends rebuilding cost estimate requirements to FAIR Plan policies in specified cases; requires homeowners policies with a dollar limit on additional living expenses to be offered extended coverage of at least 50% above that limit; sets minimum periods for loss of use coverage after a covered total loss in a state of emergency; requires a primary claims point of contact within 30 days for state-of-emergency claims; requires residential property insurers to file a disaster response plan by April 1, 2028 and to report losses and claims within 30 days of a declared emergency; raises civil penalties for unfair practices relating to a state of emergency; and changes the biennial fire risk data report to insurers with $20 million or more in California premium, first due April 1, 2028. The Governor vetoed two related bills the same day, SB 877 and SB 878. The legislative record read on September 28, 2026 did not yet show a chapter number. A coverage and claims law; names no carrier and sets no carrier status.

Office of the Governor of California, legislative update, September 27, 2026 · second source · California tracker

The Texas Department of Insurance launched a webpage on September 23, 2026 that shows, by ZIP code, the reasons insurance companies reported for declining, canceling or not renewing home insurance policies, along with the number of active policies and the counts of non-renewals, cancellations and declinations reported by companies. TDI states it will update the page at least quarterly and plans to add auto insurance data later in 2026. The data reporting stems from House Bill 2067 of 2025, which requires insurers to report this information to TDI and to give written explanations when they decline, cancel or do not renew a home policy. The tool publishes aggregate reported data; it names no carrier action and sets no carrier status.

Texas Department of Insurance · second source · Texas tracker

The Florida Office of Insurance Regulation announced on September 22, 2026 that Commissioner Mike Yaworsky approved homeowners rate decreases, effective at renewal, for four companies: One Alliance North America Insurance Company (-10.4%, 17,148 policies), Safe Harbor Insurance Company (-4.1%, 10,501 policies), Unique Insurance Company (-3.2%, 8,266 policies) and Vyrd Insurance Company (-10.4%, 26,751 policies), which together total 62,666 policies. OIR states that since January 2024, 48 companies have filed for a rate decrease and 53 have requested no change, that further decrease requests are pending review, and that the 30-day average homeowners rate request is -4.8%, against -1.1% one year earlier. Rate approvals attach as history and set no carrier writing status.

Florida Office of Insurance Regulation · second source · Florida tracker

The California Department of Insurance reported on September 18, 2026 that State Farm General filed a rule application with the Department that day indicating plans to resume accepting new homeowners applications for the first time since May 2023. Per CDI, the filing would open new policies statewide to homes meeting the IBHS Wildfire Prepared Home Enhanced standard, and to homes meeting the IBHS Wildfire Prepared Home Essential standard in low and moderate wildfire severity zones. CDI states the application is not a Sustainable Insurance Strategy filing, that it is under Department review, and that "These companies are not open for new business yet." A filing is not a reopening: this event attaches as history and does not change State Farm’s California status, which still derives from the May 2023 pause on file.

California Department of Insurance, consumer alert, September 18, 2026 · California tracker

Commissioner’s Bulletin B-0008-26, dated September 16, 2026 and addressed to all property and casualty insurance companies writing residential property insurance in Texas, states that TDI "encourages all property and casualty insurance companies operating in Texas to develop meaningful, actuarially supported premium discounts that allow homeowners who invest in loss mitigation to share in the financial benefits of the risk reduction they create," naming building or retrofitting to resilient construction standards such as IBHS FORTIFIED Home, impact-resistant roofing materials, and proactive wildfire protection. It cites Insurance Code Chapter 2251 on grouping risks by classification, lists three actions companies can take (incorporating each loss mitigation item into rating plans, informing policyholders of available credits, and minimizing redundant surveys or inspection forms), and reminds companies to file new or expanded discounts through SERFF. Two precision notes, both recorded rather than smoothed over. First, the operative verb: the bulletin ENCOURAGES, while TDI’s own news release describes it as "directing insurance companies to offer discounts" and the Governor’s release describes it as having "directed insurers to account for a home’s FORTIFIED roof status in rate setting." The bulletin text is used here. TDI’s September 14, 2026 memorandum to the Governor separately recommends a change to state law that WOULD require insurers to consider mitigation when setting rates, which is the requirement the bulletin itself does not impose. Second, a source-date discrepancy of the same shape as the one recorded for B-0007-26: TDI’s 2026 news index dates the accompanying release September 15, 2026, while the release page, the release’s own file slug (tdi09162026.html) and the bulletin all carry September 16, 2026, and the bulletin date is used here. The Governor’s office and TDI both identify the bulletin as one of the five directives Governor Abbott issued to TDI in August 2026. This is a rate-practice bulletin naming no carrier and sets no carrier status.

Texas Department of Insurance, Commissioner’s Bulletin B-0008-26 · second source · Texas tracker

AB 1795 (Gipson), the Smoke Damage Recovery Act, was approved by the Governor and filed with the Secretary of State on September 15, 2026 as Chapter 240, Statutes of 2026. It adds Sections 2060.1, 2060.2, 14048 and 15009.2 to the Insurance Code. Per the Legislative Counsel’s Digest, the act creates a rebuttable presumption that if wildfire smoke, ash, soot, char or combustion byproducts are present in a surviving residential property in the wildfire impact zone after a wildfire, the smoke damage is the result of that wildfire; prohibits an insurer from terminating additional living expenses coverage on a residential property smoke damage claim within the impact zone until the property has been restored to preloss condition and cleared for human occupancy; makes the insurer responsible for the cost of sampling and testing necessary to restore the property to preloss condition; requires an insurer that exercises its right to inspect a smoke-damaged property to do so no later than 30 calendar days after receiving notice of the claim or after access is granted; and sets 30-calendar-day payment deadlines for the actual cash value of damaged personal property after inspection and for the undisputed replacement cost of residential property after restoration is completed. It also requires the Department of Insurance to conduct a study on or before July 1, 2027 identifying gaps in coverage exposed by the June 17, 2026 Lineage Logistics warehouse fire in Boyle Heights, and to submit a final report to the Governor and Legislature on or before December 1, 2027. Operation of the act is contingent on enactment of AB 1642 (Harabedian), which was approved the same day as Chapter 239. The Governor’s office announced the two bills together with AB 1842 and AB 1847 (mortgage forbearance, Chapters 241 and 242) as a four-bill wildfire recovery package signed in Altadena, and states that the Department of Insurance estimates more than 13,000 of the roughly 40,000 insurance claims filed after the January 2025 fires involve smoke damage to homes that never burned. This is a coverage and claims-handling law. It names no carrier and sets no carrier status.

California Legislative Information, AB-1795 bill text (Chapter 240, Statutes of 2026) · second source · California tracker

In a memorandum dated September 14, 2026 to Governor Greg Abbott, Insurance Commissioner Amanda Crawford responded to the Governor’s August 24, 2026 directive, which had set September 14 as the deadline for recommendations. On the five directed actions the memorandum states: the department plans to propose a rule clarifying the existing prohibition on using the age of the property, to make clear that insurers may not use the age of individual components as an indicator when deciding whether to write or renew coverage; the department plans to issue a bulletin emphasizing that companies should offer premium discounts for homes with wind, hail or wildfire mitigation; the price optimization bulletin was already issued on September 2, 2026; the department will invite law enforcement, anti-fraud groups and other stakeholders to an Insurance Fraud Task Force; and the department will produce a concise, web-based study of what drives claim costs, drawn from Market Conduct Annual Statements, rate filings and financial statements, by the end of 2026. The memorandum lists further administrative actions under current law, including an analysis of insurer use of AI in property and casualty claims handling and underwriting, plain-language coverage overviews, a HelpInsure.com update, publishing non-confidential financial orders, a declarations-page plain-language rule, publishing market data earlier, a statistical plan solicitation, and removing questions from company licensing applications to reduce barriers to entry. Its legislative considerations include a homeowner mitigation grant program, allowing all auto carriers to rate on moving violations, disallowing advertising costs in rate filings, a delay between a home or personal auto rate filing and its use in the market, 60-day notice of renewal premium, updated policy readability standards, consistent claim deadlines with disclosure, a written acceptance or denial requirement for all claims, and licensure or registration for roofing contractors. The Governor’s office announced the response on September 16, 2026. The rule is not yet proposed and the memorandum names no carrier, so it sets no carrier status.

Texas Department of Insurance, Response to Governor Abbott’s Directive, September 14, 2026 · second source · Texas tracker

An Administrative Order filed September 14, 2026 in case 26-0820-TRN states that a Motion to Disqualify the Independent Hearing Examiner was filed on September 10, 2026 by the Attorney General’s office and on behalf of Bob Sullivan, an interested party of record. The order strikes the prehearing conference that had been set for September 15, 2026 at 10 a.m. via Microsoft Teams, and provides that the motion to disqualify only will be heard at that time. The joint affidavit filed September 10, 2026 by the State of Oklahoma ex rel. Attorney General Gentner Drummond and by Bob Sullivan seeks disqualification, under 75 O.S. section 316, of both the Independent Hearing Examiner and the Insurance Commissioner. OID’s published case docket carried 38 filings when read on September 21, 2026, against 30 on September 14; all eight added rows are dated September 14, 2026 and are the witness lists of the Oklahoma Insurance Department, the Attorney General, Bob Sullivan and the Oklahoma P&C Advocacy Association, a joint NAMIC and APCIA witness list, the NAMIC and APCIA response brief, the Department’s reply in support of its motion to dismiss parties for lack of standing, and this Administrative Order. The Motion to Disqualify itself does not appear on the docket as its own row; the order and the joint affidavit are the record of it. The hearing under 36 O.S. section 984 on whether the Oklahoma homeowners insurance market is noncompetitive remains set for October 26, 2026; this order does not move it. A procedural order names no carrier and sets no carrier status.

Oklahoma Insurance Department, Administrative Order in case 26-0820-TRN, September 14, 2026 · second source · Oklahoma tracker

The Independent Hearing Examiner in case 26-0820-TRN issued an Order for Continuance, filed September 10, 2026, rescheduling the hearing under 36 O.S. section 984 on whether the Oklahoma homeowners insurance market is noncompetitive from September 14, 2026 to October 26, 2026 at 9 a.m. at the Oklahoma State Capitol, Multi-Purpose Room 100. The order states the continuance was granted at the request of the Oklahoma P&C Advocacy Association, over the objection of the Oklahoma Attorney General, Bob Sullivan (an interested party of record), the National Association of Mutual Insurance Companies and the American Property and Casualty Insurance Association, and without objection from the Oklahoma Insurance Department. The same order continued the prehearing conference to September 15, 2026, set September 14, 2026 as the deadline for parties to file witness lists, and scheduled oral argument on the Department motion to dismiss parties for lack of standing. OID announced the order in a September 11, 2026 special notice to all property and casualty insurers and published a case webpage carrying the official record of the proceeding.

Oklahoma Insurance Department special notice · second source · Oklahoma tracker

AB 1680 (Assembly Member Lisa Calderon), the Make It FAIR Act, would require the California FAIR Plan Association’s insurance-company-run governing board to implement recommendations issued by the Insurance Commissioner to strengthen operations, improve policyholder claims handling and enhance financial oversight. The Legislature gave final approval on August 31, 2026 when the Assembly concurred in Senate amendments by 72 ayes to 1 no, and the bill was enrolled on September 4, 2026. The Department of Insurance announced it on September 2, 2026 as one of ten Commissioner-sponsored bills awaiting the Governor’s signature. Not yet law: the legislative record shows the measure as passed and enrolled, with no chaptered date. This site records the FAIR Plan’s policy counts as the California residual market series, so a change to its oversight is recorded here as history; it sets no carrier status.

California Legislative Information, AB-1680 bill status · second source · California tracker

Commissioner’s Bulletin B-0007-26, dated September 2, 2026 and addressed to all insurance companies and their agents and representatives, states that any use of price optimization in the ratemaking or pricing process, or in establishing a rating plan, is unfairly discriminatory and violates the Texas Insurance Code. The bulletin defines price optimization as varying premiums on factors unrelated to the policyholder’s risk of loss or the company’s expense, including elasticity of demand, and states that any practice giving two policyholders with the same risk profile different premium increases is unfairly discriminatory. It cites Insurance Code Chapter 2251 on required rate considerations. TDI’s accompanying news release quotes Commissioner Amanda Crawford and identifies the bulletin as one of the five directives Governor Abbott issued to TDI on August 24, 2026. Note a source discrepancy recorded rather than resolved silently: TDI’s 2026 news index dates the release September 1, 2026 while the release page and the bulletin itself both carry September 2, 2026, and the bulletin date is used here. This is a rate-practice bulletin naming no carrier and sets no carrier status.

Texas Department of Insurance, Commissioner’s Bulletin B-0007-26 · second source · Texas tracker

The California Department of Insurance reported on September 18, 2026 that Allstate submitted a Sustainable Insurance Strategy homeowners filing to the Department on August 31, 2026, and that the filing signals Allstate’s intent to begin writing new residential policies in California for the first time since 2022. CDI states the filing is under review, that every filing remains subject to full rate review under Proposition 103, and that "These companies are not open for new business yet." With this filing CDI counts 12 insurance groups that have filed or received approval under the SIS framework. A filing is not a reopening: this event attaches as history and does not change Allstate’s California status, which still derives from the November 2022 pause on file.

California Department of Insurance, consumer alert, September 18, 2026 · California tracker

Governor Greg Abbott sent a letter dated August 24, 2026 to Insurance Commissioner Amanda Crawford directing the Texas Department of Insurance to take five actions on property and casualty affordability: require insurers to include a home’s FORTIFIED roof status in rate-setting calculations; prohibit insurers from refusing to write or renew residential property insurance policies based on the age of the property, including individual components such as the age of the roof; issue a bulletin for all TDI-regulated products banning price optimization; create an Insurance Fraud Task Force; and study the impact of excessive, unnecessary and inflated claims costs on the Texas commercial auto, personal auto and homeowner markets. The release states the average annual Texas homeowners premium rose 79 percent in six years. TDI was directed to identify further administrative actions and any needed statutory changes, with recommendations due to the Office of the Governor by Monday, September 14, 2026. This is a directive to the regulator, not a rule in force, and it names no carrier, so it sets no carrier status.

Office of the Texas Governor press release · second source · Texas tracker

Commissioner Lara ordered insurers to preserve residential property insurance coverage for more than 64,000 policyholders affected by the Gann Fire, in Calaveras, San Joaquin, Amador, Tuolumne and Stanislaus counties. The Commissioner’s Bulletin covers those living within the fire perimeter or the 22 adjoining ZIP Codes and bars non-renewal and cancellation for one year from Governor Newsom’s emergency declaration of August 6, 2026, whether or not the policyholder suffered a loss. For the first time under Senate Bill 547, the protection also extends to certain commercial property policies used primarily for residential and habitational purposes, including homeowners association, apartment complex and senior living policies, within the same perimeters and adjoining ZIP Codes.

California Department of Insurance press release · California tracker

The Department of Insurance announced on August 11, 2026 that its Administrative Hearing Bureau and Intervenor Fairness and Accountability regulation is now in effect. The regulation sets standards for intervenor participation, documentation and compensation requests in insurance rate proceedings, and adds regular status updates in rate filing proceedings. The Department issued letters to all currently certified intervenors stating that parties seeking policyholder-funded compensation may be required to provide supplemental documentation including disclosure of funding sources and potential conflicts of interest. The Department states intervenors received more than $14.4 million in compensation for participation in rate filings between 2013 and 2026. This changes how rate filings are reviewed and sets no carrier status.

California Department of Insurance press release · California tracker

The Independent Hearing Examiner in the 36 O.S. section 984 proceeding (case 26-0820-TRN-NMN) issued an order on July 29, 2026 requiring any party wishing to participate in the September 14, 2026 hearing on whether the Oklahoma homeowners insurance market is noncompetitive to file an entry of appearance with the Department by August 26, 2026, and scheduling a prehearing conference for all appearing parties on August 27, 2026. The Insurance Commissioner circulated the order to all property and casualty insurers in a special notice dated July 31, 2026.

Oklahoma Insurance Department special notice · Oklahoma tracker

Oklahoma amended OAC 365:15-1-14(b) and (d) through House Joint Resolution 1091, effective July 25, 2026, requiring insurers to give at least 60 days notice before the date of cancellation or non-renewal of a homeowners policy or any other personal residential coverage. Where the action is for one of the reasons listed in 36 O.S. section 3639.1(A), the rule sets at least 10 days notice before cancellation and 30 days before non-renewal. Commissioner Glen Mulready published the change in Bulletin 2026-02 on July 28, 2026.

Oklahoma Insurance Department Bulletin 2026-02 · second source · Oklahoma tracker

Risk Theory Insurance Services launched Jupiter Platinum Home, an excess and surplus lines homeowners program written on Amherst Specialty Insurance paper, covering California properties from a $750,000 dwelling limit up to $25 million in total insured value. Insurance Journal reported the program is built for difficult-to-place California exposures, including properties with significant wildfire exposure. Surplus lines capacity is non-admitted, so this event records added capacity without changing any admitted carrier status.

Insurance Journal · California tracker

The Oklahoma Insurance Department issued a notice of hearing under 36 O.S. sections 307 and 984 and OAC 365:1-7-1(a), set for Monday, September 14, 2026 at 9 a.m. in Multipurpose Room 100 of the Oklahoma State Capitol, to determine whether the homeowners insurance market in Oklahoma is noncompetitive. The notice states the hearing is not for the purpose of determining whether any particular homeowners rates are excessive, nor for addressing claims issues, and invites property and casualty insurers and the Oklahoma Attorney General to file an entry of appearance with OID legal.

Oklahoma Insurance Department special notice · Oklahoma tracker

HB25-1182, officially titled Risk Model Use in Property Insurance Policies (session law Chapter 278), signed by Governor Polis on May 28, 2025, took effect July 1, 2026. Insurers that use wildfire or catastrophe risk models must submit model data to the Division of Insurance as part of rate filings, incorporate parcel-level and community-wide mitigation in those models or provide premium discounts to policyholders who demonstrate mitigation, give policyholders annual written notices stating their wildfire risk score, the range of possible scores, and the impact of each mitigation action, and allow policyholders to appeal their risk scores (acknowledged within 10 days, decided within 30).

Colorado General Assembly · second source · Colorado tracker

Act 182 of the 2025 Regular Session (House Bill 345), signed June 8, 2025 and effective July 1, 2026, requires insurers to give at least 60 days written notice before cancelling or non-renewing most residential property and casualty policies, up from 30 days, and to state the specific reason for the action. Non-payment of premium keeps the existing 10-day notice.

Louisiana State Legislature · second source · Louisiana tracker

The Texas Department of Insurance launched public pages showing homeowners losses by county (insurers paid $8.74 billion in 2025 losses, with wind and hail averaging 62% of losses since 2019), county-level average premiums for 2019-2025, and a searchable rate-filing database.

Texas Department of Insurance news release · Texas tracker

Insurance Commissioner Tim Temple issued Emergency Rule 50, effective June 18, 2026 and announced July 2, temporarily suspending the statutes governing cancellations, non-renewals, non-reinstatements, premium payment deadlines, and claim-filing timelines for policyholders in Avoyelles, Lafourche, Pointe Coupee, Rapides, St. Landry, St. Tammany, and Terrebonne parishes, following Tropical Storm Arthur (June 17-18, 2026). While the rule is in effect, insurers may not cancel or non-renew affected policies for storm-related reasons. It applies to all lines including homeowners and remains in effect through July 22, 2026 unless the Commissioner terminates it earlier.

Louisiana Department of Insurance press release, July 2, 2026 · second source · Louisiana tracker

Governor Polis signed SB26-155, officially titled Increase Access Homeowner’s Insurance Enterprise, creating the Strengthen Colorado Homes Enterprise within the Division of Insurance. The enterprise, funded by fees on admitted insurers and governed by a seven-member board, will run a grant program to help homeowners retrofit resilient (fortified) roof systems against hail, the state’s top premium cost driver, and study options for reducing wildfire-related insurance costs. The act takes effect August 12, 2026.

Colorado General Assembly · Colorado tracker

Commissioner Yaworsky announced new property and casualty insurers approved for the Florida market, bringing the total to 20 companies entering since the state’s legislative reforms.

Florida Office of Insurance Regulation press release, May 20, 2026 · Florida tracker

The Louisiana Department of Insurance market update through April 2026, issued by Commissioner Tim Temple, reported that three companies, Progressive Paloverde, Continental Indemnity Company, and GuardianPointe Insurance Company, were newly licensed to write homeowners insurance in Louisiana between January 1 and April 30, 2026, joining 14 insurers licensed in 2024 and 2025, with four more companies in the application process. The update also noted homeowners insurers filing more rate decreases than in 2021-2024.

Louisiana Department of Insurance market update · second source · Louisiana tracker

The Department of Insurance, Consumer Watchdog, and State Farm reached a settlement agreement on State Farm’s prior emergency interim rate request.

California Department of Insurance press release · California tracker

Stipulation and Order No. 2026-1, executed by Commissioner Lara on February 27, 2026 and final upon execution, authorizes the FAIR Plan to obtain a $600 million revolving line of credit with a maturity date of February 26, 2027, offered by a private lending group. The order also promulgates a revised Plan of Operation (Ed. 2/27/26), which requires the FAIR Plan to give the Commissioner its quarterly reports at least four business days before posting them publicly, and discharges Order 2025-2. The order states the facility is intended to provide financing for prompt payment of claims and to potentially avoid the need to levy an assessment on member insurers to pay extraordinary catastrophe losses, as happened after the January 2025 Los Angeles area wildfires.

California Department of Insurance, Stipulation and Order No. 2026-1 · California tracker

The Task Force on Homeowners and Commercial Property Insurance voted its final recommendations at its February 5, 2026 meeting, reporting to the Legislature and the commissioners of Commerce and Housing. It recommended that the Minnesota FAIR Plan examine the feasibility of offering additional products including commercial property, affordable multifamily housing, common interest communities, and smaller multi-unit properties, with legislative funding for the actuarial study and an explicit instruction that the FAIR Plan remain a market of last resort only. It also recommended funding the Strengthen Minnesota Homes program under Minn. Stat. 65A.299, incorporating IBHS FORTIFIED roofing standards into state building codes, creating catastrophic and mitigation savings accounts, and legislative examination of third-party litigation financing. This is the reporting output of the task force created in 2025.

Minnesota Legislative Coordinating Commission, task force final report · Minnesota tracker

Commissioner Lara and Assemblymember Calderon announced legislation aimed at transforming the California FAIR Plan, the state insurer of last resort.

California Department of Insurance press release · California tracker

FLOIR announced Citizens policyholders receive an average 8.7% rate reduction beginning spring 2026, reported Citizens’ policy count down 50% year over year to 395,144, and cited 73 pending rate-decrease filings statewide with 17 new insurers entering since the reforms.

Florida Office of Insurance Regulation · Florida tracker

The Oklahoma Insurance Department opened statewide applications for Strengthen Oklahoma Homes on January 12, 2026, offering up to $10,000 per homeowner for fortified roofs; the pilot reported over 100 homes upgraded and premium discounts of 20-30% for participants.

Oklahoma Insurance Department · Oklahoma tracker

Commissioner Lara announced mandatory protection covering nearly 150,000 policyholders in Kern, Santa Barbara, San Luis Obispo, and Ventura counties from non-renewal following the Gifford Fire.

California Department of Insurance press release · California tracker

Act 429 of the 2025 Regular Session (Senate Bill 137, Senator Talbot) enacts R.S. 22:1276 and took effect January 1, 2026. An insurer authorized to write automobile or property insurance in Louisiana must give the Commissioner written notice within ten days of telling its agents or representatives of any decision to cease, pause, or resume writing new policies in any geographic region of the state. The notice must state the effective date, the lines affected, the specific geographic area and a brief description of the reasons. The Act defines cease, pause and resume as any action materially affecting the insurer’s availability of coverage offerings in that region, and expressly excludes a temporary cessation ahead of a possible impending natural disaster. IMPORTANT LIMIT ON THIS AS A PUBLIC SIGNAL: subsection C makes the notices confidential and proprietary and exempt from the Public Records Law, so the filings themselves are not obtainable and this site records the mechanism, not its contents. Signed by the Governor June 20, 2025 per the legislative record; the Governor’s office held a bill signing event on June 30, 2025. Legislation, so it sets no carrier status.

Louisiana State Legislature, Act 429 (SB 137) · second source · Louisiana tracker

CDI approved Mercury Insurance rate filings under the Sustainable Insurance Strategy; Mercury committed to increasing its California policy count by more than 38,000 new policies long-term, starting with more than 6,000 over the next two years, focused on wildfire-distressed areas.

California Department of Insurance alert · California tracker

CDI approved a Sustainable Insurance Strategy rate filing from CSAA, the state’s fifth largest homeowners insurer, with commitments supporting continued writing and longer-term plans to help move homeowners off the FAIR Plan.

California Department of Insurance alert · California tracker

Commissioner Temple approved a 9.7% average rate increase for State Farm covering more than 300,000 Louisiana homeowners policyholders, in effect immediately for new business and from December 15, 2025 for renewals. State Farm is the largest homeowners insurer in Louisiana at roughly 20% of the market. State Farm attributed the increase primarily to its hurricane modeling projecting higher future Louisiana losses, along with increased non-catastrophe loss experience. The same release approved a separate 5.9% personal auto decrease, which is outside this tracker.

Louisiana Department of Insurance press release, December 11, 2025 · Louisiana tracker

Commissioner Temple approved a 7.5% average rate decrease for SureChoice Underwriters Reciprocal Exchange and Elevate Reciprocal Exchange, covering more than 73,000 homeowners policyholders and more than 17,000 dwelling policyholders, effective February 16, 2026. SURE is the second largest homeowners insurer in Louisiana at roughly 8% of the market. The companies attributed the decrease primarily to lower reinsurance costs.

Louisiana Department of Insurance press release, December 10, 2025 · Louisiana tracker

Citizens’ policy count fell from the 2023 peak of about 1.4 million to under 400,000 by late December 2025, with more than 546,000 policies transferred to private takeout carriers during 2025 via approved depopulation rounds.

Citizens Property Insurance Corporation · Florida tracker

Louisiana Citizens completed its twenty second round of depopulation effective December 1, 2025, transferring 1,839 policies and approximately $611.8 million of exposure to the private insurance market. The corporation reported that takeout premium payable fell to $3.6 million in 2025 from $29.4 million in 2024, attributing the $25.8 million decrease to the 2025 rounds containing a much lower number of policies than the 2024 rounds. Depopulation is the mechanism by which private carriers reabsorb residual-market policies, so a smaller round means less private appetite, not more.

Louisiana Citizens 2025 Management Discussion and Analysis · Louisiana tracker

Farmers Insurance eliminated its monthly cap on new homeowners policies in California, previously 9,500 per month, effective immediately, and submitted a new rating plan under the Sustainable Insurance Strategy.

Farmers Insurance newsroom · California tracker

Governor Newsom signed five bills on October 9, 2025 affecting the California FAIR Plan, the state’s insurer of last resort: AB 1 (Connolly) on residential property insurance and wildfire risk, AB 226 (Calderon) on the FAIR Plan Association, AB 234 (Calderon) on the FAIR Plan governing committee, AB 290 (Bauer-Kahan) on FAIR Plan automatic payments, and SB 525 (Jones) on FAIR Plan coverage for manufactured homes. The Governor’s office states the package gives the FAIR Plan new financing mechanisms to pay claims more quickly, adds oversight, changes the policyholder experience and extends coverage to manufactured homes, and requires the Department of Insurance to reconsider home hardening measures every five years as part of Safer from Wildfires. All five were confirmed chaptered 10/09/25 on the Legislature’s own records, 5 of 5 checked. Recorded as history: it is a change to the residual market this site tracks as the California series, and it sets no individual carrier status.

Office of the Governor of California press release · second source · California tracker

Louisiana Farm Bureau Mutual Insurance Company notified the Louisiana Department of Insurance that it had begun writing more wind and hail coverage for homeowners across the state, citing recent changes to the three-year rule as giving it confidence it could write more Louisiana homeowners policies while still managing its book. Announced by Commissioner Temple on October 2, 2025 alongside a separate Farm Bureau auto rate decrease.

Louisiana Department of Insurance press release, October 2, 2025 · Louisiana tracker

OIR approved Stand Insurance Exchange, based in Tallahassee, to write Florida fire, homeowners multi-peril, allied lines, inland marine, and other liability. Announced September 18, 2025 alongside Praxis Reciprocal Exchange as the 16th and 17th post-reform entrants. OIR said all new companies since the reforms bring more than $574 million in policyholder surplus.

Florida Office of Insurance Regulation press release, September 18, 2025 · Florida tracker

OIR approved Praxis Reciprocal Exchange for the Florida property and casualty market, announced September 18, 2025 alongside Stand Insurance Exchange as the 16th and 17th insurers to enter since the state legislative reforms.

Florida Office of Insurance Regulation press release, September 18, 2025 · Florida tracker

OIR approved Viceroy Preferred Insurance Company, domiciled in Florida, to write homeowners multi-peril and dwelling fire, making it the 15th insurer to enter the market since the state legislative reforms. The company said it would focus on high value homes with an initial geographic emphasis on the east coast of Florida.

Florida Office of Insurance Regulation press release, August 21, 2025 · Florida tracker

Mercury Insurance submitted the first homeowners rate filing under the Sustainable Insurance Strategy, using the newly reviewed wildfire catastrophe model, with a 6.9% average rate increase and a stated goal of expanding options in high wildfire-risk regions.

Mercury Insurance newsroom · California tracker

OIR approved Incline National Insurance Company to write Florida allied lines, homeowners multi-peril, inland marine, workers compensation, and private passenger auto. The company is headquartered in Texas and said it intended to offer policies statewide. It was one of two residential approvals announced June 27, 2025, bringing the post-reform total to 14 new companies.

Florida Office of Insurance Regulation press release, June 27, 2025 · Florida tracker

OIR approved Florida Insurance and Reinsurance Company, domiciled in Florida, which said it would primarily write condominium and condominium association coverage plus property coverage for smaller multi-tenant office buildings. Announced June 27, 2025 alongside Incline National. The same release reported Florida domestic property companies posted $944 million in net income at year-end 2024, up from $292 million at year-end 2023 and reversing a $741 million net loss in 2022.

Florida Office of Insurance Regulation press release, June 27, 2025 · Florida tracker

Colorado’s new insurer of last resort, created by 2023 legislation, began accepting applications from residential property owners on April 10, 2025. Applicants must show declinations from three admitted insurers.

The Colorado Sun · second source · Colorado tracker

Louisiana Citizens Property Insurance Corporation completed its twenty first round of depopulation effective April 1, 2025, transferring 2,334 policies and approximately $943.6 million of exposure to the private insurance market, per the corporation Management Discussion and Analysis filed with its 2025 annual statement.

Louisiana Citizens 2025 Management Discussion and Analysis · Louisiana tracker

TWIA’s Q1 2025 Fact Book reported more than 276,000 policies in force and over $117 billion in exposure, the highest levels in the association’s history, with exposure up roughly 27% in 2023 and 19% in 2024.

Texas Windstorm Insurance Association Q1 2025 Fact Book · Texas tracker

The Louisiana Department of Insurance reported on March 10, 2025 that it had licensed 10 new homeowners insurers since the 2024 legislative session began, and that insurers already writing in the state were filing fewer and smaller rate increases with some rate decreases. Commissioner Temple attributed the shift to the 2024 property insurance reform package.

Louisiana Department of Insurance press release, March 10, 2025 · Louisiana tracker

The Oklahoma Insurance Department launched the Strengthen Oklahoma Homes program, offering up to $10,000 per household for fortified roof upgrades, with a first pilot of 100 homes beginning March 3, 2025.

Oklahoma Insurance Department · Oklahoma tracker

FLOIR granted Mangrove Property Insurance Company a certificate of authority, the tenth new property insurer to enter Florida since the 2022-2023 reforms. Mangrove was later approved to assume roughly 81,000 Citizens policies.

Florida Office of Insurance Regulation · Florida tracker

The commissioner negotiated the 42.2% homeowners request down to 7.5% effective June 1, 2025 and 7.5% effective June 1, 2026, capped at 35% in any territory, with no new rate requests permitted before June 1, 2027.

North Carolina Department of Insurance · North Carolina tracker

Commissioner Lara amended the moratorium bulletin to shield homes within or adjoining the perimeters of the Palisades, Eaton, Hurst, Lidia, Sunset, and Woodley fires from non-renewal or cancellation for one year from the January 7, 2025 emergency declaration, regardless of loss.

California Department of Insurance press release · California tracker

The Louisiana Citizens board voted on January 9, 2025 to end in April 2025 the 1.36% assessment it levies on all residential and commercial property insurance policies in the state, more than a year ahead of its scheduled June 2026 end. The assessment paid off bonds for Hurricane Katrina and Rita claims debt. A temporary waiver of the Citizens 10% surcharge also took effect January 1, 2025.

Louisiana Department of Insurance press release, January 9, 2025 · Louisiana tracker

After Louisiana repealed its three-year rule restricting non-renewals of long-tenured policyholders, Foremost non-renewed fewer than 5% of its affected book, per Louisiana Department of Insurance records, the only insurer recorded doing so in the first year.

InsuranceNewsNet · second source · Louisiana tracker

The Minnesota Legislature established a Task Force on Homeowners and Commercial Property Insurance to study market availability and affordability, with a report and recommendations due by February 2026.

Minnesota Legislative Coordinating Commission · Minnesota tracker

The Texas Windstorm Insurance Association board set its 2025 probable maximum loss at $6.227 billion after Hurricane Beryl losses of roughly $455 million nearly exhausted the Catastrophe Reserve Trust Fund, requiring $4.227 billion in reinsurance and catastrophe bonds.

Insurance Journal · second source · Texas tracker

The Oklahoma insurance commissioner announced Farmers Insurance would decline renewal on approximately 1,300 homeowners policies in eastern Oklahoma starting November 1, 2024, described as a wildfire-risk reduction affecting under 2% of Farmers’ Oklahoma book.

OKC Fox 25 · second source · Oklahoma tracker

Progressive’s CEO stated in a shareholder letter that the company is temporarily restricting new homeowners business in Texas and several other states to reduce weather-related volatility, alongside non-renewals of some existing Texas policies.

Texas Public Radio · second source · Texas tracker

Heritage Insurance Holdings resumed writing new personal lines business in Florida after its December 2022 pullback, citing improved results, stabilized reinsurance markets, and the state’s legislative reforms.

Insurance Journal · second source · Florida tracker

A Minnesota law effective August 1, 2024 allows an insurer to refuse to renew a homeowners policy if the insured had three or more covered losses each over $10,000 from lightning, wind, rain, or hail during the preceding five years, with insurer obligations specified.

Minnesota House Public Information Services · Minnesota tracker

American National Group began withdrawing its homeowners product from nine states including Colorado starting in 2024, citing significant and persistent underwriting losses over the prior ten years.

Insurance Journal · second source · Colorado tracker

The commissioner negotiated the Rate Bureau’s 50.6% dwelling rate request down to an 8% average statewide increase effective November 1, 2024.

North Carolina Department of Insurance · North Carolina tracker

State Farm General announced non-renewal of approximately 30,000 homeowners, rental dwelling, and other property policies beginning July 3, 2024, plus about 42,000 commercial apartment policies beginning August 20, 2024, together just over 2% of its California policy count.

State Farm newsroom · California tracker

The Minnesota Department of Commerce reported homeowners insurance complaints rose from 569 in 2020 to 1,185 in 2023, driven largely by denied claims and higher out-of-pocket costs after wind and hail damage.

Minnesota Department of Commerce · Minnesota tracker

The North Carolina Rate Bureau filed a request seeking an average statewide homeowners increase of 42.2%, with proposed increases up to 99.4% in some territories.

North Carolina Department of Insurance · North Carolina tracker

A Farmers Insurance spokesperson told the Houston Chronicle that Foremost, a Farmers subsidiary, began targeted underwriting actions in Texas in November 2023 and that, as a result, a portion of customers with dwelling fire, manufactured home, homeowners and condo policies began receiving non-renewal notices. The spokesperson said more than 90% of Foremost’s existing Texas property customers are not affected and that Foremost continues to offer new property policies in the state. A Texas Department of Insurance spokesperson said Foremost informed TDI in September 2023 of plans to stop selling home policies that included wind and hail coverage in some counties concentrated in coastal areas. Foremost did not say which customers are affected.

Houston Chronicle, June 21, 2024 · second source · Texas tracker

Progressive announced a rebalancing that non-renews roughly 100,000 Florida policies, about 47,000 dwelling-fire and 53,000 high-risk homeowners policies, with notices beginning late December 2023 and replacement coverage offered through Loggerhead Insurance.

Insurance Journal · second source · Florida tracker

Commissioner Donelon issued Directive 222 requiring insurance agents to notify Louisiana Citizens policyholders when they receive an offer to move to a significantly less expensive private insurer. The LDI reported that SafePoint had identified more than 19,600 Citizens policies approved for take-out in the depopulation round then running, but that fewer than 8,000 had been authorized by agents. Donelon also mailed notices directly to affected policyholders. The authorization deadline for that round was September 22, 2023.

Louisiana Department of Insurance press release, September 11, 2023 · Louisiana tracker

FLOIR approved Orion180 Select Insurance Company and Orion180 Insurance Company as the third and fourth new property and casualty insurers approved in Florida in 2023 following legislative reforms, after Tailrow and Mainsail.

Florida Office of Insurance Regulation · Florida tracker

The North Carolina Rate Bureau filed for an overall 50.6% rate increase on dwelling policies covering non-owner-occupied residences of up to four units.

North Carolina Department of Insurance · North Carolina tracker

Auto Club Insurance Company of Florida said it would not renew a small percentage of higher-exposure homeowners package policies, citing reinsurance costs, while stating it was not exiting the state. AAA held roughly 79,000 residential policies in Florida as of 2022.

Insurance Journal · second source · Florida tracker

Farmers stopped writing new home, auto, and umbrella policies in Florida and announced non-renewal of existing Farmers-branded policies, affecting up to 100,000 policyholders. Slide Insurance later took renewal rights for 86,000 of the homeowners policies.

Tampa Bay Times · second source · Florida tracker

State Farm General announced it would cease accepting new applications for all business and personal lines property and casualty insurance in California effective May 27, 2023, citing construction cost inflation, catastrophe exposure, and reinsurance costs.

State Farm newsroom · California tracker

Nine companies applied to the Insure Louisiana Incentive Program in the window that closed March 10, 2023, collectively requesting more than $62 million against the $45 million allocated. The applicants and requests were Allied Trust ($6.5M), Applied Underwriters ($10M), Cajun Underwriters Reciprocal Exchange ($5M), Constitution Insurance ($10M), Elevate Reciprocal Exchange ($5M), Gulf States Insurance ($3.6M), SafePoint Insurance ($10M), SafePort Insurance ($2M), and SureChoice Underwriters Reciprocal Exchange ($10M). The program paid grants to insurers that agreed to write new Louisiana property business.

Louisiana Department of Insurance press release, March 14, 2023 · Louisiana tracker

United P&C, deemed insolvent after Hurricane Ian losses of about $864 million, was ordered into liquidation by the Second Judicial Circuit Court in Leon County; policies were cancelled March 29, 2023 and the state guaranty association activated.

Florida Division of Rehabilitation and Liquidation · Florida tracker

United Property & Casualty Insurance Company declared insolvency in Florida after its estimated Hurricane Ian losses rose to $1.5 billion, more than $500 million above its prior projection. UPC held over 200,000 policies nationally including about 30,000 in Louisiana, and had planned to non-renew all of them in a solvent runoff. Florida regulators and courts placed UPC into liquidation on February 27, 2023, and its Louisiana policies were cancelled effective March 29, 2023. Former policyholders had until April 28, 2023 to bind private coverage or a Louisiana Citizens policy backdated to cancellation.

Louisiana Department of Insurance press release, February 23, 2023 · second source · Louisiana tracker

The Louisiana Legislature allocated $45 million to the Insure Louisiana Incentive Program, offering matching grants that require insurers to write four dollars of premium per grant dollar; about $42 million was awarded to eight insurers in the first round.

Insurance Journal · second source · Louisiana tracker

Allstate disclosed with its Q3 2022 results that it had stopped writing new homeowners, condo, and commercial policies in California, citing wildfire risk, construction costs, and reinsurance costs. Existing policyholders were not affected.

Insurance Journal · second source · California tracker

The Second Judicial Circuit Court in Leon County ordered Southern Fidelity Insurance Company into receivership for liquidation; policies for roughly 98,000 policyholders across FL, MS, LA, and SC were cancelled effective July 15, 2022.

Florida Division of Rehabilitation and Liquidation · Florida tracker

Louisiana Insurance Commissioner Jim Donelon placed Lighthouse Property Insurance Corporation into receivership in the 19th Judicial District Court on April 5, 2022; the Louisiana Department of Insurance reported about 30,000 policies and 16,000 Ida-related claims. On April 28, 2022 the court entered an Order of Liquidation with a Finding of Insolvency and appointed the Commissioner as Liquidator. The order cancels policies issued in Texas, Florida, South Carolina and North Carolina on the earlier of 30 days after entry (May 28, 2022), the policy’s expiration, or replacement, and authorizes the Liquidator to coordinate with the guaranty associations of those four states and Louisiana.

19th Judicial District Court, Order of Liquidation, April 28, 2022 (posted by the court-appointed receiver) · second source · Louisiana tracker

Louisiana Insurance Commissioner Jim Donelon placed Americas Insurance Company into receivership in the 19th Judicial District Court on January 14, 2022; the court order placed the company in rehabilitation under the Commissioner, with Billy Bostick as receiver. The Louisiana Department of Insurance described the company as financially troubled, with approximately 24,000 policies and 13,000 Ida-related claims, and called the step an important move toward the Louisiana Insurance Guaranty Association taking over claim payments. The court entered an Order of Liquidation and Finding of Insolvency on June 23, 2022.

Louisiana Department of Insurance press release, January 20, 2022 (archived copy) · second source · Louisiana tracker