Message to Illinois Policyholders Impacted By Recent Significant Flooding

On July 17, 2017, the Illinois Department of Insurance issued Company Bulletin 2017-03, Suspension of Cancellation, Non-renewal and Premium Payments. Governor Bruce Rauner has declared the following counties state disaster areas after significant flooding impacted these counties: Cook County, Kane County, Lake County and McHenry County.

The insurance companies within Crum & Forster are taking the following actions to ensure that Illinois policyholders affected by this disaster do not suffer unnecessary hardship:
Moratorium on cancellations and non-renewal: We will withdraw any cancellation or non-renewal notice issued on or after July 12, 2017, on any in-force policy issued to an affected policyholder and/or respecting affected property located in or around counties that have been declared disaster areas. In addition, we will not issue any new cancellation or non-renewal notices to affected policyholders and/or respecting affected property located in or around counties that have been declared disaster areas until September 30, 2017, or a later time if deemed reasonable given an individual policyholder’s circumstance.

Cancellation or non-renewal respecting affected property: During the moratorium period, we will not cancel or non-renew insurance policies respecting affected property due to increase in the risk originally accepted or due to the geographic location of the risk.

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 will provide consumers with an extension of not less than 60 days to make such repairs.

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 the affected policyholder’s contract or allowed or required by the insurer, or longer if deemed reasonable given an individual affected policyholder’s circumstance.

Policyholders are advised that they may file a complaint with the IL Department of Insurance regarding any disaster-related dispute or issue by calling the IL Department of Insurance toll-free complaint hotline: 1-866-645-5364; or they may file a complaint online at

Questions regarding the foregoing and its applicability to a specific set of circumstances can be sent to or you can call 973-490-6600.