In response to a growing torrent of complaints, state officials and lawmakers have lately begun to push back, if gingerly, against the industry, which they see as overreacting to the hurricane threat in the Northeast. “My concern is that this situation is being manipulated by the insurance companies in order for them to get higher rates,” said State Senator Kenneth P. LaValle, who calls the cancellation of policies in his eastern Long Island district “more than a problem — it is a crisis.”

Mr. Dinallo, the commissioner, has focused his attention on the law: It was a single line in the Liberty Mutual letter sent to the Grays that prompted him to issue his rebuke. The line noted that one consideration in dropping their policy was that they did not have car insurance with the company.

That, Mr. Dinallo said, is illegal. Predicating one policy on another, or so-called “tie-in business,” is a violation of state insurance law, he said. Liberty Mutual said the tie-in was a secondary issue, but in response to Mr. Dinallo’s warning, Liberty Mutual and the largest insurer in the state, Allstate, agreed to stop the practice.

Earlier this year, Richard Blumenthal, the Connecticut attorney general, also challenged insurers’ tactics, subpoenaing records from nine insurance companies that were requiring homeowners to install storm shutters if they wanted to keep their policies. “The insurers are making record profits,” Mr. Blumenthal said in an interview, “and the dire predictions of disastrous hurricanes, fortunately, have been very wrong — fortunately for everyone, including the insurers.”

Meanwhile, heated public hearings were held this year in the Rhode Island General Assembly about the lack of homeowners’ insurance in coastal areas, which include most of the state.

In Massachusetts, New Jersey and New York, lawmakers and regulators this year proposed requiring all insurance companies doing business in the states to set aside billions of dollars to help defray losses from future catastrophic storms.

At a public hearing of the New York Senate Insurance Committee last Tuesday, Senator Charles J. Fuschillo Jr. said the retreat of major home insurers had hurt the housing market. (Home insurance is required by all banks that make home loans.)