Important Information for Illinois Policyholders in Disaster Areas


On December 4, 2018, Governor Bruce Rauner declared Christian County a state disaster area after significant issues related to flooding impacted the counties. As a result of this current disruption in the State of Illinois, insurance consumers may experience disruption of mail delivery and displacement from their residences and other properties.

Moratorium on cancellation and non-renewals

For any cancellation or nonrenewal notice issued on or after November 23, 2018 on any in-force policy issued to an affected policyholder, we shall withdraw the cancellation or nonrenewal and reinstate the policy with no lapse in coverage. In addition, we shall not issue any new cancellation or nonrenewal notices to affected policyholders until at least January 23, 2019.

Other insurance-related time-period extensions

We shall grant, as directed, 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 us.

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 property [215 ILCS 5/143.27], we shall provide consumers with an extension of not less than 60 days to make such repairs.

Cancellation or nonrenewal respecting affected property

Although otherwise allowed under Illinois law, we shall refrain from canceling or 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].

Other exceptions to policy or contract requirements or rating or underwriting rules

We 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.

Availability of California Casualty and the Illinois Department of Insurance

California Casualty is available to assist our customers. Please contact us by calling 1.800.346.6840 for assistance in filing a claim or to speak with a customer service representative about your policy. You may also file a claim online.

The Illinois Department of Insurance is available to all Illinois residents affected by this disaster for filing a complaint regarding any disaster-related dispute or issue. Consumers may call the Illinois Department of Insurance's toll-free hotline at 1.866.445.5364 or file a complaint online.