Washington State Emergency Order: Winter Weather Relief for Insurance Policyholders

PATTY KUDERE R STATE INSURANC E COMMISSI ONER STATE OF WASHINGTO N OFFICE OF INSURANCE COMMISSIONER Phone: 360-725 -7000 www.insurance.wa.gov Mailing Addres s: PO Box 40255 Olympia, WA 98504- 0255 Street Address: 50 00 Capitol Blvd Tumwater, WA 98501 EMERGENCY ORDER NO. 25 - 01 T O: A LL IN SU RE RS A U TH OR IZ ED OR ADMITTED T O TRANSAC T PROPERTY AND AU TOMOBILE INSURANC E BUSINESS IN WASHINGTON ST ATE AND ALL ENTITIES R EGULATED BY THE INSURAN CE COMMISSIONE R FR OM: PATTY KUD ERER, INS URANC E COM MI SS ION ER RE: PROVIDING RELIEF TO WAS HINGTON CON SUMERS FROM 2025 ATMOSPHER IC RIVER A ND WINTER WEATHER EVEN T BY A D D R E SS IN G G RA CE P E R I O DS FO R N O N P A YM EN T OF PREM IUM AND TE MPORARILY PR OHIBITING CANCE LLATION AN D NONRENE WAL OF PROPERT Y & CASUA LTY INSURAN CE POLICIES PURSUAN T TO RCW 48.02.060(4), the Insu rance C ommission er of the state of Washington (“Insurance Com missioner”) order s all insure rs, insurance p roducers, surplu s line brokers, and o ther entities regulated by the Ins urance Commission er (hereaft er “Regulated En tities”), as follows: A. Between De ce mbe r 15, 2 02 5, a nd F ebr uar y 12, 2 026, all Regulated Ent ities t ransacting any property and automob ile i nsurance bu siness shall prov ide grace pe riods of no les s than forty-five (45) d ays for non payment of pre mium and shall waiv e otherwise applicable charges and fees associated with nonpaymen t of premi um, such as late fe es and reinstatement fees. B. Between De ce mbe r 15, 2 02 5, a nd F ebr uar y 12, 2 026, no prop erty and automobi le insurer shall cancel a pol icy issued for nonpayment of premium, u nless spec ifically direct ed to do so by the insured. C. Between De ce mbe r 15, 2 02 5, a nd F ebr uar y 12, 2 026, the 45-day no tice period for nonrenewal notice s in RCW 48.18.2901(1)(a)(i) is su spended during the state of emergency. No p roperty and auto mobile insurer shall issue a not ice of nonrenew al less than 120 days befor e the expirat ion date of the pol icy.

OFFICE OF THE INS URANCE COM MISSIONER Emergency Order No. 25-01 Re: Providing Relief to Washington Consumers from December 2025 Atmospheric River and Winter Weather Event Page 2 BA SI S 1. On De cem be r 1 0, 2 025, t he Governor is sued Proc lamation 25-07 declaring an emergency related to the D ecember Atmosp heric River and Winter Weather Ev ent. The p roclamation provides in per tinent part as follows (empha sis adde d): I, Bob Ferguson, Gove rnor of the state of Wa shington, as a result of the above -not ed situation and under Ch apters 38.52 and 43.06 RCW, do hereby proclai m that a State of Emergency exis ts throughout th e entire state of Washington, and direct tha t the plans and procedures in the W ashington State Co mprehensiv e Emergency Ma nagement P lan be implemented. Sta te agencies and d epartments are directed to u tilize state resou rces in accordance with the Washi ngton State Compr ehensive Emergency Manage ment Plan and to do everything reasonably poss ible to assist a ffected politica l subdivisions in an effort to respond to and rec over from th is extreme we ather event. 2. The geographical extent of thi s emergency ord er is all area s of the state af fected b y flooding, lands lides, mudslides, ba nk erosion, or w ind damage a s a result of the Atmospheric Rive r and Wi nter Weather Event of Decembe r 2025 includ ing, but not limited to, Whatco m County, Skag it County, Sn ohomish County, K ing County, a nd Lewis County. 3. The De cemb er 20 25 A tmo sph eric R iver an d Wi nter Wea the r Ev ent has harmed or threatened to harm the property, safety and we lfare of Washington cit izens who h ave lost homes and other p roperty or w hose lives or e mployment hav e been otherwise disrupted by the December 202 5 Atm ospheric River and W inter Weathe r Event in the state of Washington. 4. RCW 48.02.060(4)(b) & (c) provides in pertinent part t hat, when the Governor procla ims a state of emergen cy under RC W 43.06.010(12), the Insurance Co mmissioner may issue an order that address es any o r all of the fo llowing matters rel ated to insurance p olicies issued in this state: (b) grace perio ds for payment o f insurance premiums and p erformanc e of other duties by insureds; and (c) tempo rary postpone ment of cancellat ions or nonrenew als. 5. RCW 48.02.060(5) provides tha t an order by the Insu rance Co mmissioner under su bsection (4) of this sect ion may rem ain effective fo r not more t han sixty (60) day s unless the Insurance Comm issioner ex tends the termin ation date f or the order for an additional pe riod of not more than th irty (30) days. The I nsurance Commi ssioner may extend the order i f, in the Insurance Co mmissione r’s judgment, the circumsta nces warrant an ex tension. An order of the Insurance C ommissioner u nder subsectio n (4) of this section is not effective af ter the related state of e mergency is termina ted by proc lamation of the Gov ernor under R CW 43.06.210. The orde r must specify, by l ine of insuran ce: (a) the geographic are as in which the order applies, wh ich must be w ithin but may be less exte nsive than the g eographic area specified in the Gove rnor’s proclamation of a state of emergency and must be s pecific according to an appropriate means of delineation, such as the United S tates pos tal service zip codes or othe r appropriate me ans; and (b) the date on which t he o rder b ecomes effective and t he date on w hich the o rder t ermina tes. 6. Emergency action by the Insurance Commission er is necessar y to p rotect th e property, safety, and welfare o f Washing ton citizens affect ed by the Dece mber 2025 Atmos pheric River and Winte r Weather Event in the state of Wa shin gto n.

OFFICE OF THE INS URANCE COM MISSIONER Emergency Order No. 25-01 Re: Providing Relief to Washington Consumers from December 2025 Atmospheric River and Winter Weather Event Page 3 ORD ER NOW, THEREFO RE, the Insurance Com missioner h ereby activates the provision s of RCW 48.02.060(4)(b) & (c) in order to p rotect the pro per ty, safety an d welfare of Washington citizens affected by the Dece mber 2 025 Atmo sph eric R iver an d Win ter Wea ther Even t in the state of W ashington, as se t forth above. This Orde r shall remain in effect unt il Feb ruary 1 2, 20 26, subject to the further o rder of the Insurance Comm issioner ex tending its effec t. THIS ORDER IS E FFECTIVE IMMEDIATE LY AND IS ENTERED at Olympia, Washington, th is 15 th day of December, 2025. PATTY KU DERER Insurance Co mm iss ion er