Commissioner Donelon issued a cease and desist order against State Farm Fire and Casualty for applying a Hurricane Duration Deductible outlined in their homeowners policies when application of that deductible was inappropriate. (Photo: State Farm) As a result of the Louisiana DOI's investigation, a cease-and-desist order from applying the Hurricane Duration Deductible to insured homeowners in the state of Louisiana when the policy indicates that deductible is not applicable was imposed upon State Farm Fire and Casualty. (Photo: State Farm)

It seems that lately, more and more insurance departments are taking closer looks at insurance company actions in response to consumer complaints or regional catastrophes that impact the industry. Recently, the Louisiana Department of Insurance (DOI) announced that Commissioner Donelon issued a cease-and-desist order against State Farm Fire and Casualty for applying a Hurricane Duration Deductible outlined in their homeowners policies when the application of that deductible was considered "incorrect" by the DOI.

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Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.