In 2019, The Louisiana Insurance Commissioner Jim Donelon issued a cease and desist order to State Farm Insurance company for applying hurricane deductibles when application of that deductible was inappropriate. A consumer had made a complaint to the department about a deductible being applied for a storm that became Hurricane Barry, but the deductible was applied to damage that occurred before the storm was declared a hurricane. Upon review, the insurance department issued a cease and desist order which included in part the following: STATE FARM FIRE AND CASUALTY COMPANY is hereby ordered to CEASE AND DESIST from imposing a Hurricane Duration Deductible on claims made by Louisiana State Farm homeowners insurance policyholders for losses incurred during the period when policy language dictates a Hurricane Duration Deductible should not be imposed.

State Farm appealed the order, and the Louisiana Division of Administrative Law recently ruled that the commissioner was justified in issuing the cease and desist order. The division found that the commissioner's action was reasonable and within his authority. A copy of the decision can be found here.  An article on the original order can be found here.