NEW ORLEANS (AP) — State insurance regulators are investigating whether Allstate Insurance Co. is cancelling policies without properly inspecting homes to see if they are occupied or under construction after hurricanes Katrina and Rita.The Louisiana Department of Insurance has received 386 complaints from homeowners who were notified by Allstate that their policies will not be renewed this year, said Insurance Commissioner Jim Donelon.

Allstate, the state’s second largest residential insurer, says it inspected about 40,500 Louisiana homes after the 2005 storms and sent cancellation notices to roughly 4,500 policyholders whose homes appear to be abandoned.

However, Donelon doubts the company actually inspected many of those homes. “Whether it’s them or a subcontractor of theirs who misrepresented the alleged inspections, I can’t say at this time,” he said in an interview.

Allstate stands accused of trying to skirt a Louisiana law that, with limited exceptions, bars insurers from cancelling policies that have been in effect for three years or longer.