Notice to Policyholders

Notice To Policyholders in state disaster areas of Cook, Kane, Lake, and McHenry counties of Illinois

Effective July 17, 2017

As directed by Governor Bruce Rauner, all policyholders effected by the significant flooding that has recently occurred in and around Cook, Kane, Lake, and McHenry counties in the state of Illinois (affected policyholders) will be afforded the following considerations and protections on their existing policies issued through Deans & Homer:

Moratorium on cancellations and nonrenewals. We shall withdraw any cancellation or nonrenewal notice issued on or after July 12, 2017, on any in-force policy issued to an affected policyholder and/or property. In addition, we shall not issue any new cancellation or nonrenewal notices to affected policyholders and/or property until September 30, 2017, or a later time if deemed reasonable given an individual consumer’s circumstance.

Other insurance-related time-period extensions. We will 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 your policy or allowed or required by us, or longer if deemed reasonable given an individual affected policyholder’s circumstance.

Time-period extension for repairs. 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, we shall provide consumers with an extension of not less than 60 days to make such repairs.

Nonrenewal respecting affected property. Although otherwise allowed under Illinois law, we will refrain from nonrenewing insurance policies respecting affected property due to “increase in the risk originally accepted” [215 ILCS 5/143.21 and 143.21.1] or due to the geographic location of the risk [215 ILCS 5/155.22].

Availability of the Illinois Department of Insurance. If you have a dispute or issue regarding your insurance you may call the Department’s toll-free complaint hotline at 1-866-445-5364, or file a complaint online at: