Departments of Insurance Crack Down on Property Insurers During the Pandemic – No Cancellation During COVID!

Did your insurance company cancel your insurance due to nonpayment of premium during COVID? Be aware that most states have either requested, or required, insurers to institute a moratorium on cancellations due to nonpayment during at least part of the pandemic.  If your insurance company cancelled your insurance during COVID, remind them of this fact and ask them to reinstate your policy.  If they refuse, you may want to talk to a lawyer.

The entire West Coast has seen their Departments of Insurance issue requirements on this subject:

California:  On March 18, 2020, California issued a “request” to all insurance companies on March 18, 2020 to provide insureds “at least” a 60 day grace period to pay insurance premiums, and to ensure that policies are not cancelled for nonpayment of premiums due to coronavirus.

If you are in the middle of a rebuild and your insurance company is threatening to end payments because you have experienced delays due to coronavirus, the Insurance Commissioner has addressed that as well. Insurers cannot enforce policy or statutory deadlines until 90 days after the end of the coronavirus state of emergency.

If you have auto insurance, workers compensation insurance, commercial insurance, or medical malpractice insurance, the California Insurance Commissioner ordered insurance companies to return premiums due to the lowered risk due to coronavirus.


The Oregon Department of Consumer and Business Services issued an amended Order on August 1, 2020 requiring property and casualty insurers to provide a 60 day grace period due to the pandemic.  The original order in March 2020 extended deadlines for payment through August 2020, and suspended cancellations and nonrenewals.

If you live in Oregon and are the victim of wildfires,  your insurance company has been ordered to extend all deadlines, suspend cancellations and nonrenewals, and provide a grace period for payments.


In Washington state, property repair deadlines were extended during the pandemic.

All property and casualty policy cancellations due to non-payment of premiums were halted from March 25, 2020 through May 9, 2020.

If this situation sounds at all familiar to you and you have had trouble dealing with your insurance company regarding your homeowner policy, please call Kantor & Kantor for a free consultation at 877-783-8686 or use our online contact form.

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