Missouri Disaster Declarations

MAY 6, 2019:  On March 19, 2019, Chlora Lindley-Myers, Director of the Missouri Department of Insurance, Financial Institutions and Professional Registration, requested that insurers provide leniency after significant flooding impacted the State. In light of this current disaster in the State of Missouri, NCSF will be implementing safeguards to protect our Members affected by this disaster.

Moratorium on cancellations: For any cancellation notice issued on or after March 15, 2019 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 June 28, 2019, 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 Missouri Department of Insurance, Financial Institutions & Professional Registration in order to file a complaint regarding any disaster-related dispute or issue. Consumers may call the Department’s toll-free Consumer Hotline at 1-800-726-7390, or file a complaint online at: https://insurance.mo.gov/consumers/complaints/index.php.

For additional information regarding this and other items of interest, here is a link to the Missouri Department of Insurance website: https://insurance.mo.gov/