Effective Date: Effective Immediately (Going back to July 12, 2017)
Governor Bruce Rauner has declared Cook, Kane, Lake, and McHenry counties state disaster areas after significant flooding impacted these counties. Insurance consumers may experience disruption of mail delivery and displacement from their residences, businesses, and other properties due to the flooding.
Moratorium on cancellations and nonrenewals. Insurers shall withdraw any cancellation or nonrenewal notice issued on or after July 12, 2017, on any in-force policy issued to an affected policyholder. In addition, insurers shall not issue any new cancellation or nonrenewal notices to affected policyholders until September 30, 2017, or a later time if deemed reasonable given an individual consumer’s circumstance.
Other insurance-related time-period extensions. Insurers are directed to grant to affected policyholders an extension of 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 or proof of loss, reporting of information, submission of bills, 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 contract or allowed or required by the insurer, or longer if deemed reasonable given an individual consumer’s circumstance.
Other exceptions to policy or contract requirements or rating or underwriting rules. Insurers shall consider exceptions to policy or contract requirements, or to other rating or underwriting rules not otherwise listed herein, when such contractual requirements or rating or underwriting rules are not met as a result of this disaster. Exceptions to policy or contract requirements or rating or underwriting rules include instances where an insured is displaced from his or her home and is unable to obtain non-emergency medical services from a network provider.
Insurer Websites. Insurers are directed to post on their websites all actions taken to implement the requirements of this bulletin.
Availability of the Illinois Department of Insurance. Insurers shall advise Illinois consumers of the availability of the Department for filing a complaint regarding any disaster-related dispute or issue. Consumers shall be advised they 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.
Transamerica: Illinois Disaster Bulletin