Illinois Disaster Information
For consumers in the 20 counties affected by the flooding and declared disaster areas:
- A moratorium has been placed on cancellations and nonrenewals. Any cancellation or nonrenewal notices issued on or after June 10, 2008 on any in-force policy issued to our insured is being withdrawn, and the policy is being reinstated without a lapse in coverage. Merastar will not be issuing new cancellation or nonrenewal notices on any in-force policy until August 18, 2008, or later if deemed reasonable given the insured's circumstances.
- We will grant to affected policyholders an extension of 60 days for any and all policy provisions or other requirements that impose a time limit for an insured or claimant to perform any act, including the submission of a claim of proof of loss, reporting of information, submission of bills, or payment of funds. A longer extension may be granted if deemed reasonable given the individual's circumstances.
- We will grant insureds an extension of 60 days to make repairs on affected property if they cannot be completed within the time period under the policy, or within the 90 day time period for repairs prior to termination due to conditions of the property.
- We will not cancel any policy on an affected property before August 18, 2008 due to "increase in the risk originally accepted".
- We will consider exceptions to policy or contract requirements, or to other rating and underwriting rules not otherwise listed herein, when such contractual requirements or rating or underwriting rules are not met as a result of the disaster.
- Illinois consumers may file a complaint with the Illinois Division of Insurance regarding any disaster-related dispute or issue. The toll free complaint hotline number is 1-866-445-5364, or consumers may file a complaint online at: http://www.idfpr.com/doi/Complaints/Complaints.asp.
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