Declaration of Illinois Flooding Disaster

On July 14, 2017, Governor Bruce Rauner declared a state disaster  for Cook, Lake, McHenry and Kane counties after significant issues related to flooding impacted the counties. As a result of this current disaster in the State of Illinois, NCSF will be implementing safeguards to protect our affected Members.

Moratorium on Cancellations

For any cancellation notice issued on or after July 12, 2017 on any in-force policy issued to an affected policyholder, NCSF shall withdraw the cancellation and reinstate the policy with no lapse in coverage. In addition, NCSF shall not issue any new cancellation 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

NCSF 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, 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.

Please note that Members may contact the Illinois Department of Insurance in order to file a complaint regarding any disaster-related dispute or issue. Consumers shall be advised that they may call the Department’s toll-free complaint hotline at 1-866-445-5364, or file a complaint online.

For additional information regarding this and other items of interest, visit the Illinois Department of Insurance website.

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