Every tracked event

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

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

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

Foremost, a Farmers subsidiary, began targeted underwriting actions in November 2023, sending non-renewal notices to dwelling fire, manufactured home, homeowners, and condo policyholders concentrated in coastal counties; the company said over 90% of its Texas policyholders were unaffected.

Texas Consumer Association, citing Houston Chronicle reporting · 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

A Louisiana court ordered Lighthouse Property Insurance Corporation into liquidation after Hurricane Ida losses; active policies were cancelled effective May 28, 2022, with guaranty associations activated in five states.

Insurance Journal · second source · Louisiana tracker

The Louisiana insurance commissioner ordered Americas Insurance Company into receivership after hurricane losses; the company held about 24,000 policies with roughly 13,000 pending Hurricane Ida claims, and was ordered into liquidation in June 2022.

Insurance Journal · second source · Louisiana tracker