State regulators crack down on U.S. property and casualty insurers through market examinations they do investigating the companies. The examinations can be triggered by a rash of consumer complaints or by questions that arise from regulators’ review of quarterly or annual financial statements filed by insurers. Half of the top ten reasons regulators criticized insurers for last year involved claims-handling, according to Wolters Kluwer, which helps more than 15,000 banking, insurance and securities customers around the...