{"id":"FL-084","kind":"order","level":"sector-regulator","jurisdiction":"Florida","state":"FL","metro":"","industry":"","agency":"","eco":"","issuer":"Office of Insurance Regulation, Commissioner David Altmaier","authority":"EO 20-51, 20-52; Florida Insurance Code","instrument":"Informational Memorandum OIR-20-04M","title":"Continued Guidance for Response to COVID-19 (leniency on premium payments; personal auto delivery use; virtual inspections; telework)","dateIssued":"2020-03-25","effective":"2020-03-25","end":"Tied to the Emergency Orders (EO 20-51/20-52)","startDate":"2020-03-25","endDate":"2021-06-30","quarters":["2020Q2","2020Q3","2020Q4","2021Q1","2021Q2"],"types":["EMP","TELE","OTHER"],"addressees":["all insurers and entities regulated by OIR","agents"],"clause":"OIR will not consider actions described below that provide benefits to policyholders and are applied in a nondiscriminatory manner to be violations of underwriting guidelines or the prohibitions against unfair trade practices. Leniency on Premium Payments... regulated entities are encouraged, when prudently possible, to be flexible with premium payments in order to avoid a lapse in coverage. Such flexibility can include: 1. Relaxing due dates; 2. Extending grace or reinstatement periods; 3. Waiving late fees and penalties; and 4. Allowing payment plans. Regulated entities are encouraged to only consider cancellation of policies if all possible efforts to work with consumers to continue coverage have been exhausted.... Underwriting and Claims Inspections... regulated entities, agents, consumers, and employers are strongly encouraged to explore virtual options for underwriting and adjusting claims in lieu of in-person property inspections and for premium audits of employers\u0027 records. General Considerations. OIR understands that as regulated entities undertake efforts to move employees into telework arrangements, and as OIR itself moves employees into telework arrangements, certain operations and functions may need to be revised temporarily.","enforcement":"OIR (informational memorandum; safe harbor from unfair-trade-practice enforcement)","functions":["IN insurance grace periods, cancellations, inspections and audits","OF insurer and OIR telework","CL personal-auto delivery use"],"notes":"Florida\u0027s insurance-regulator grace-period instrument is guidance in form (\u0027encouraged\u0027), unlike binding orders elsewhere.","sourceUrl":"https://www.floir.com/docs-sf/default-source/informational-memoranda/oir-20-04m.pdf","snapshot":"","fileExists":true,"fileBytes":128740,"grade":"primary","character":"","description":"","collection":"FL","url":"/library/FL-084","exhibitUrl":"/exhibit/FL-084","citation":"Office of Insurance Regulation, Commissioner David Altmaier, Informational Memorandum OIR-20-04M (Mar. 25, 2020) (Ex. FL-084)","stateName":"Florida","related":["FL-083","FL-085","FL-086"]}