Connecticut has declared a State of Emergency for the entire state due to Hurricane Henri beginning August 21, 2021 and then again on September 2, 2021 due to Hurricane Ida. Based on this, the Connecticut Insurance Department has issued a Notice dated August 22, 2021 and again on September 2, 2021, that implements CT -Insurance Department Bulletin IC-34 that requires companies to extend the grace period of affected policies.

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

• There is a moratorium on cancellation of any insurance contract for failure to pay premiums by insureds directly impacted by this disaster. This extension of the grace period shall apply to any policies that go inactive between August 22, 2021 and October 2, 2021.
• This order to extend the grace period affects the entire state of Connecticut.

The Bulletin shall continue in effect from the date of the Notice until October 2, 2021, unless otherwise extended.

The Department Bulletin can be viewed by accessing the following link:
https://portal.ct.gov/CID/Natural-Catastrophe-Information/Tropical-Storm-Henri

On August 26, 2021, a State of Emergency was declared by the Governor, for 25 parishes due to Hurricane Ida, as a result, the Louisiana Department of Insurance has issued Emergency Rule 47. The Emergency Rule 47, among other things, prohibits insurance companies from cancelling policies for policyholders residing within the impacted areas.

Louisiana Emergency Rule 47 has extended the length of time for the moratorium to October 24, 2021, unless extended or terminated sooner.

The Order, in part states the following:

• The emergency rule applies to all kinds of insurance and all types of insurers.
• Policyholders living in the 25 affected parishes will receive an extension of time to pay insurance premiums due on or after August 27, 2021, without any late fees, penalties, cancellation or non-renewal.
• The Emergency Rule provides policyholders in affected areas additional time to submit documents to insurers for claims that were filed before the state of emergency but might be difficult for policyholders to send until they can return to their homes and businesses.
• To comply with this requirement, the grace period will be from August 27, 2021 through October 24, 2021. After October 25, 2021, all policies will resume normal processing. The Commissioner may extend any deferral period, depending on the nature and severity of the proclaimed or declared disaster.

The Department Bulletin and Order can be viewed by accessing the following link: http://www.ldi.la.gov/

New Jersey has declared a State of Emergency for the entire state on September 1, 2021 due to Tropical Storm Ida. Based on this, the New Jersey Insurance Department has issued Bulletin 21-09 dated September 10, 2021, that requires companies to extend the grace period of affected policies.

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

• There is a moratorium on cancellation of any insurance contract for failure to pay premiums by insureds directly impacted by this disaster. This extension of the grace period shall apply to any policies that go inactive between September 1, 2021 and October 1, 2021.
• This order to extend the grace period affects the entire state of New Jersey.

The Bulletin shall continue in effect from the date of the Notice until October 1, 2021, unless otherwise extended.

The Department Bulletin can be viewed by accessing the following link: http://www.dobi.nj.gov/

Tennessee has declared a State of Emergency for the entire state due to recent flooding beginning August 21, 2021. Based on this, the Tennessee Governor has issued Executive Order No. 85 dated August 25, 2021 that requires companies to suspend cancellations of policies for non-payment of premiums for a period of 60 days from the effective date of the Executive Order.

This order to suspend cancellations affects the entire state of Tennessee.

As a result of the Tennessee Executive Order, the Tennessee Department of Insurance issued Bulletin 21-02, that provides that the suspension is for 60 days from the effective date of the Executive Order, or until October 24, 2021.

The Order, in part states the following:

• Executive Order No. 85 and Insurance Bulletin 21-02 requires insurance companies to grant an extension of the grace period for 60 days from the date of the Executive Order (August 21, 2021) for customers residing within the impacted areas.
• This includes a moratorium on policy cancellations due to non-payment of premium. The moratorium is effective August 25, 2021 through October 24, 2021.

The Department Bulletin can be viewed by accessing the following link:
https://www.tn.gov/content/dam/tn/commerce/documents/insurance/bulletins/09-03-21_Flood_Recovery_Bulletin_21-02.pdf