Delaware Department of Insurance Revises Bulletin 98 on UCAA Form 14 Contact Requirements

The Delaware Department of Insurance has issued a revised version of Bulletin No. 98, expanding requirements related to UCAA Form 14 contact information. The update emphasizes the need for direct telephone numbers and email addresses for designated company representatives to prevent delays in consumer complaint investigations and regulatory coordination. Carriers must notify the Department within 30 days of personnel changes and immediately update catastrophe contacts. The bulletin is effective immediately and underscores the importance of maintaining accurate regulatory contact records.

Expansion of Direct Contact Information Requirements

Originally issued in 2017 and revised in 2018, Bulletin No. 98 was intended to address delays in consumer complaint investigations caused by insurers submitting generic contact information. When investigators are required to communicate through general inboxes or shared phone lines, response times can slow, impacting regulatory review and consumer resolution.

The February 5, 2026, revision expands the Department’s expectations. Insurers are now requested to provide direct telephone numbers and email addresses for each contact type listed on UCAA Form 14. The goal is to ensure that Department personnel can reach the appropriate representative without unnecessary internal routing or administrative delay.

By emphasizing direct communication channels, the Department aims to streamline investigations, reduce processing time, and enhance coordination between regulators and carriers.

UCAA Form 14 and SBS for Organizations Updates

Carriers may update their UCAA Form 14 contact information at any time through State-Based Systems (SBS) for Organizations. The Department will also continue to accept updated UCAA Form 14 submissions directly from insurers that choose to provide changes outside of the SBS system.

The bulletin clarifies that maintaining current contact information is not a one-time filing obligation. Instead, it is an ongoing responsibility intended to support operational efficiency in regulatory oversight.

Insurers should review:

• Complaint response contacts
• Regulatory reporting contacts
• Financial and corporate governance contacts
• Catastrophe or disaster coordination contacts

Ensuring accuracy across all contact types will help minimize response delays and reduce regulatory friction.

Notification Deadlines and Annual Review Expectations

Under the revised bulletin, carriers are expected to notify the Department within 30 days of any personnel change affecting listed contact types.

A notable exception applies to Catastrophe/Disaster Coordination Contacts. Updates to these contacts must be submitted immediately to ensure the Department can reach appropriate company representatives during emergency events. Given the time-sensitive nature of catastrophe response, immediate communication capability is critical.

In addition to change notifications, the Department expects carriers to conduct an annual review of all contact information maintained in SBS. Any necessary corrections or updates should be made promptly following that review.

This structured update timeline reflects the Department’s broader emphasis on operational readiness and regulatory transparency.

Operational and Compliance Considerations for Carriers

Although the bulletin is described as informational and does not establish new statutory rights or obligations, it clearly communicates regulatory expectations regarding responsiveness and administrative accuracy.

Carriers should consider implementing internal controls such as:

• Documented procedures for updating UCAA Form 14 information
• HR-triggered compliance notifications when regulatory-facing personnel change
• Quarterly internal verification of SBS contact listings
• Clear designation of catastrophe contacts with backup coverage

Maintaining accurate regulatory contact information is often overlooked, yet it plays a central role in complaint resolution efficiency and overall regulatory relationships.

With the bulletin effective immediately, insurers operating in Delaware should confirm their current UCAA Form 14 entries and assess whether updates are necessary.

Summary

The Delaware Department of Insurance’s February 5, 2026 revision to Bulletin No. 98 reinforces the importance of direct and timely regulatory communication. By expanding expectations for UCAA Form 14 contact information and formalizing update timelines, the Department aims to reduce delays in consumer complaint investigations and improve coordination during critical events.

Carriers should review and, if necessary, update their contact information promptly to align with the revised bulletin and support efficient regulatory engagement.

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