The revised Insurance Bulletin 206 is dated February 12, 2026, and signed by Commissioner Kaj Samsom on February 17, 2026, but does not specify an effective date for the updated guidance. The Department of Financial Regulation reiterates that under Title 8 VSA section 4724(9)(d) insurers must investigate reasonable claims based on all available evidence, and under section 4724(9)(f) must promptly, fairly, and equitably settle claims in which liability is reasonably evident. While the department acknowledges that virtual claims adjustment systems can help settle claims more quickly and reduce costs for insurers in some situations, it states that there is strong evidence that photos, videos and other virtual presentations do not always reveal the true extent of damage.
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