Response to Flooding in Four Illinois Counties

In response to the Illinois Department of Insurance Company Bulletin 2017-03, as a result of flooding; effective immediately, The Hartford has taken the following action for all customers and property located in Cook, Kane, Lake and McHenry counties.

Billing Actions:
 
  • Initiate billing stuffers for all policies in affected ZIP codes until September 29, 2017.
  • Suspend the imposition of late fees until September 30, 2017, or a later time if deemed reasonable given an individual consumer’s circumstance.
  • Void any cancellation or non-renewal issued to affected customers on or after July 12, 2017.
  • Hold all cancellations and non-renewals due to non-payment of premium until September 30, 2017, or a later time if deemed reasonable given an individual consumer’s circumstance.
  • Stop collections action until September 30, 2017, or a later time if deemed reasonable given an individual consumer’s circumstance.
     
Underwriting Actions:
 
  • Void any cancellation or non-renewal issued to affected customers on or after July 12, 2017.
  • Hold all cancellations and non-renewals until September 30, 2017, or a later time if deemed reasonable given an individual consumer’s circumstance.
  • Policies covering property in the affected areas should not be canceled or non-renewed due to “increase in the risk originally accepted” or due to the geographic location of the risk.
  • Affected policyholders should be granted an extension of any and all policy provisions or other requirements that impose a time limit for an insured to perform any act, including the submission of a claim or proof of loss, reporting of information, or payment of funds. Such extension shall be for a minimum of 60 days from the last date allowed or required under the terms of the policy or required by the insurer. A longer period of time may be given if deemed reasonable given an individual consumer’s circumstance.
  • In the event repairs on affected property cannot be completed within the time period required under any policy, or within the 90-day time period for repairs prior to termination due to condition of the property, insurers shall provide consumers with an extension of not less than 60 days to make such repairs.
     
Contact Information for the Department of Illinois:
 
In addition, The Hartford would like to advise Illinois consumers of the availability of the Department for filing a complaint regarding any disaster-related dispute or issue.
 
Consumers may call the Department’s toll-free complaint hotline at 1-866-445-5364, or file a complaint online at: https://mc.insurance.illinois.gov/messagecenter.nsf