2026-09-10 · Idaho · Regulation

What happened. The Idaho Department of Insurance issued Bulletin No. 26-02 on 30 April 2026, a mandatory property insurance market data call directed at carriers writing homeowners and dwelling-fire business in Idaho, with a submission deadline of 30 May 2026.¹

It is the second such call in consecutive years, and it is markedly wider than the first. Director Dean L. Cameron issued it under Idaho Code §§ 41-219 (examinations) and 41-247 (inquiry powers).

No Idaho association has anything to file. The reason it belongs in a community-association column is that this is the machinery generating the only authoritative data on the market that sets association master-policy and unit-owner premiums — and the direction of that data is the budget story of the decade for Idaho boards.

How far the net widened

The 2025 call, Bulletin No. 25-02 of 18 April 2025, reached insurers that wrote more than $200 million nationwide with Idaho policies, or more than $1.5 million in Idaho premium. It covered 2018 through 2024, with claims as of 31 March 2025.²

Bulletin 26-02 applies to any insurer that wrote at least $50,000 in direct written premium in line 4 (homeowners) of the Annual Statement in any of the years 2022–2025, or at least $50,000 in premium falling within the requested data written outside line 4, including business written on dwelling or homeowners policy forms. That is a threshold roughly thirty times lower on the Idaho measure, and it pulls in small and regional carriers the first call missed.

The data period runs 1 January 2022 through 31 December 2025, with claims reported as of 31 March 2026.

Mechanics, and the confidentiality bargain

The Department has again designated Insurance Services Office, Inc. (ISO), a Verisk business, as its agent for collection and processing. Submissions go by secure file transfer directly to ISO — email submissions are not accepted — using a prescribed reporting template, at the individual NAIC company code level. Group-level aggregate submissions are not permitted, and insurers with no responsive data must still file a template indicating zero activity.

Confidentiality runs through Idaho Code §§ 41-227, 48-801 and 74-107, which exempt trade-secret and examination information from Idaho's public records law; the Department and ISO have entered confidentiality agreements accordingly. The compliance clause is short: failure to provide a timely and complete response “may subject the insurer to administrative action by the DOI, including penalties as provided under Idaho Code Title 41.” The bulletin states it “is not new law but is an agency interpretation of existing law.”

1. Idaho Dep't of Insurance, Bulletin No. 26-02, Mandatory Property Insurance Market Data Call (30 April 2026) ↩
2. Idaho Dep't of Insurance, Bulletin No. 25-02 (18 April 2025) (the prior year's narrower data call) ↩
3. Idaho Dep't of Insurance press release on the property insurance market data call ↩
4. Idaho Code § 41-1842, cancellation and nonrenewal notice (amended 2026, ch. 201, eff. 1 Jan. 2027) ↩