At the February 27th Chapter Meeting, Margaret Paris, CPCU advised of some Common Problems on Market Conduct Exams such as: 1) Failure to acknowledge, pay or deny claims within specified time frames; 2) Failure to properly terminate a policy, including inadequate days' notice, improper reasons, and omitted required language; 3) Failure to pay claims properly (sales, tax, loss of use); 4) Failure to provide required compliant disclosures in claims processing; 5) Using un-approved or un-filed rates and/or rating error, 6) Failure to provide required and appropriate disclosures, such as selection/ rejection or coverge notices in the underwriting process or notices like statute of limitations, reasons for denials, and bill of rights in the claim process;7) Failure to communicate a delay in the settlement of claims in writing; 8) Using un-approved or un-filed forms; 9) Use of unlicensed claims adjusters or appraisers; and 10) Agents and unlicensed CRSs were not appointed producers as per state regulatory requirements.