21.   Hundreds of homeowners are complaining each month to the state insurance department, but little can be done.

22.   Hunter said the Texas insurance department was considering a measure that would force insurers to demonstrate that their underwriting criteria were related to risk.

23.   If Reider steps aside, insurance department attorneys would have to review the replacement process, likely causing delays.

24.   If the lender is being adversarial, Gumbinger said, the state banking or insurance department can be contacted to determine if a state policy exists.

25.   In addition, sales practices of Prudential agents are the subject of customer lawsuits or insurance department investigations in several other states, including Connecticut Florida and Illinois.

26.   In addition, the insurance department found that Prudential improperly paid commissions and other allowances to agents and did not correctly allocate investment earnings among different customers.

27.   In California, the insurance department essentially regulates rates, but not coverage.

28.   In Texas, the insurance department regulates coverage, but not rates.

29.   Industry officials have said that if companies are acting illegally, the insurance department has the information and power to stop it.

30.   Insurance department officials say they are dumbfounded by the lack of response to the program thus far.