December 30, 2015: Suspension of Cancellation, Non-renewal and Premium Payments in counties declared state disaster areas.
All actions have been taken to implement the requirements of this bulletin.

On August 12, 2016, Governor John Bel Edwards declared a State of Emergency within the state of Louisiana in response to historic flooding in Louisiana. This State of Emergency, declared pursuant to Proclamation No. 111 JBE 2016, extends from Friday, August 12, 2016, to Monday, September 12, 2016.

Emergency Rule 27 is applicable to insureds from the following parishes: Acadia, Ascension, Avoyelles, East Baton Rouge, East Feliciana, Evangeline, Iberia, Iberville, Jefferson Davis, Lafayette, Livingston, Pointe Coupee, St. Helena, St. Landry, St. Martin, St. Tammany, Tangipahoa, Vermilion, Washington, and West Feliciana, and any such parishes that have or may hereafter receive a Major Disaster Declaration by the President of the United States or such officer acting under his authority for this historic flood event.

In response to this, NCSF will provide additional time for payments and other responses from and Member/Owner who lives in these affected parishes.

A copy of Emergency Rule 27 is available on the Internet at and is available for inspection between the hours of 8 a.m. until 4:30 p.m. at the Louisiana Department of Insurance, 1702 N. Third Street, Baton Rouge, LA 70802.

On April 30, 2017, Governor Eric R. Greitens declared a State of Emergency in the State of Missouri after significant issues related to flooding impacted much of the state. As a result of this current disaster, NCSF will be implementing safeguards to protect our Members in the State of Missouri affected by this disaster.

Moratorium on cancellations: For any cancellation notice issued on or after April 30, 2017 on any in-force policy issued to an affected policyholder, NCSF shall withdraw the cancellation and temporarily reinstate the policy with no lapse in coverage. In addition, NCSF shall not issue any new cancellation notices to affected policyholders until May 30, 2017, or a later time if deemed reasonable given an individual consumer’s circumstance. NOTE: Premiums are still due, and failure to make required premium payments will result in the cancellation process beginning again after May 30, 2017.

Other insurance-related time-period extensions: NCSF will grant to affected policyholders an extension of any and all policy provisions or other requirements that impose a time limit for an insured or claimant to perform any act, including the submission of a claim or proof of loss, reporting of information, or payment of funds. Such extension shall be for a minimum of 60 days from the last date allowed or required under the terms of the contract or allowed or required by the insurer, or longer if deemed reasonable given an individual consumer’s circumstance.

Please note that Members may contact the Missouri Insurance Department in order to file a complaint regarding any disaster-related dispute or issue. Consumers shall be advised that they may call the Department’s toll-free Consumer Hotline at 800-726-7390, or file a complaint online at:


For additional information regarding this and other items of interest, here is a link to the Missouri Insurance Department website:
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