Individual Assistance Hurricane Dorian

Number 19-B-04 To: All Insurance Companies and other Entities Licensed under Chapter 58 Of the North Carolina General Statutes From: Mike Causey, Commissioner of Insurance Date: October 22, 2019 Subject: Hurricane Dorian – North Carolina Operations On October 4, 2019 President Trump issued a major disaster declaration for North Carolina for Public Assistance (FEMA-DR-4465) but denied the State’s request for Individual Assistance on October 8, 2019. On October 17, 2019 Governor Cooper issued Executive Order No. 109, pursuant to N. C. General Statute 166A-19.21(b)(1), declaring a Type I disaster for Carteret, Dare, Hyde, and New Hanover counties in North Carolina and the contiguous counties of Beaufort, Brunswick, Craven, Currituck, Jones, Onslow, Pamlico, Pender, Tyrell, and Washington. On October 17, 2019 Insurance Commissioner Causey issued an order that activated the state of disaster automatic stay of proof of loss requirements, and premium and debt deferrals as authorized under the provisions of NCGS 58-2-46 for residents of Beaufort, Brunswick, Carteret, Craven, Currituck, Dare, Hyde, Jones, New Hanover, Onslow, Pamlico, Pender, Tyrell, and Washington counties in North Carolina. Pursuant to NCGS 58-2-46, this bulletin pertains to all insurance companies and includes a service corporation, HMO, MEWA, surplus lines insurer, the underwriting associations defined in NCGS 58-45- 5(1) and NCGS 58-46-5, premium finance companies, collections agencies, and other persons subject to Chapter 58 of North Carolina General Statutes. NCGS 58-2-46 provides the specifics pertaining to extensions, deferrals, and other extra requirements applicable to the entities as referenced therein. Such entities are required to provide their customers adversely affected in the disaster area specific relief of the insureds’ payment, submission of claims and other responsibilities. You are encouraged to review the statutory requirements for proper implementation. All entities that are subject to North Carolina’s External Review Law, NCGS 58-50 Part 4, shall allow consumers, whose requests may have been impacted by the disaster, additional time for their requests to be received and reviewed. Additionally, for cases that have been accepted and additional information is being submitted, the timeframes for receiving this information will also be extended. Check the NC Department of Insurance web site for possible future updates. www.ncdoi.gov Please refer any questions regarding Premium Finance and Collection Agencies to Angela Hatchell at Angela.Hatchell@ncdoi.gov Please refer any questions regarding Life & Health to Ted Hamby at Ted.Hamby@ncdoi.gov Please refer any questions regarding Property & Casualty to Fred Fuller at Fred.Fuller@ncdoi.gov Please refer any questions regarding External Review to Susan D. Nestor at Susan.Nestor@ncdoi.gov