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Some states have been busy this year adopting new and revised requirements impacting insurers’ underwriting processes. From credit scoring to hurricane deductibles to record retention, and other areas in between, these requirements need to be evaluated for potential operational impact.

Insurers writing automobile insurance in New Hampshire have had to modify their record retention schedules to accommodate the July 1 revision for automobile rating and underwriting documentation. Regulation Ins 1404.01 now requires that insurers retain all refusal to write, cancellation, and nonrenewal records, as well as all underwriting and rating documentation used to develop premiums, for five years. This is an additional year beyond the previous four-year retention period.

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