State specific property claims disclosures
Please find your state below to view your state specific claims information.
AL AK AZ AR CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WYAlabama
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may have this matter, you may contact the Alabama Department of Insurance.
Department of Insurance
PO Box 303351
Montgomery, AL 36130-3351
Consumer Affairs
Email: ConsumerServices@insurance.alabama.gov
Phone: (334) 241-4141 or (800) 433-3966
Fax: (334) 956-7932
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution, fines, or confinement in prison, or any combination thereof.
To Learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Alaska
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may have this matter, you may contact the Alaska Division of Insurance.
Division of Insurance
550 W 7th Ave #1560
Anchorage, AK 99501-3567
Phone: (907) 269-7900
1-800-INSURAK (in-state, outside Anchorage)
Fax: (907) 269-7910
or
P.O. Box 110805
Juneau, AK 99811-0805
Phone: (907) 465-2515 Fax: (907) 465-3422
Email: insurance@alaska.gov
We anticipate that we will complete our investigation within 45 days and will contact you if we still have outstanding issues.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Special Provisions Endorsement Section I – Conditions:
8. Suit Against Us: No action can be brought unless the policy provisions have been complied with and the action is started within three years after the date of loss.
G. Suit Against Us No action shall be brought against us unless there has been compliance with the policy provisions and the action is started within three years after the inception of the loss or damage or, if applicable, three years after the denial of the claim.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Special Provisions Section I - Property Conditions:
8. Suit Against Us: No action can be brought unless there has been compliance with the policy provisions and the action is started within three years after the inception of the loss or damage or, if applicable, three years after the denial of the claim.
8. Suit Against Us. No action shall be brought against us unless there has been compliance with the policy provisions and the action is started within three years after the inception of the loss or damage.
10. Suit Against Us. No action shall be brought against us unless there has been compliance with the policy provisions and the action is started within three years after the inception of the loss or denial of the claim, whichever is greater.
To Learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Arizona
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may have this matter, you may contact the Arizona Department of Insurance.
Arizona Department of Insurance
Consumer Protection
100 North 15th Avenue, Suite 261
Phoenix, AZ 85007-2630
(602) 364-2499 or
(602) 364-2977 (Spanish)
(334) 956-7932 (Fax)
insurance.consumers@difi.az.gov
Starting July 1, 2020, will be the Department of Insurance and Financial Institutions (DIFI)
For your protection Arizona law requires the following statement to appear on this form. Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Please be advised that your policy contains the following language:
Section I - Conditions:
8. Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within one year after the date of loss.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Section I - Property Conditions:
8. Suit Against Us. No action can be brought unless there has been compliance with the policy provision and the action is started within one year after the inception of the loss or damage.
10. Suit Against Us. No action shall be brought unless there has been full compliance with all of the policy provisions and the action is started within one year after the inception of the loss or damage.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Arkansas
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may have this matter, you may contact the Arkansas Insurance Department.
Arkansas Insurance Department
1 Commerce Way
Little Rock, AR 72202
Consumer Services:
(800) 852-5494, (501) 371-2640
(501) 371-2749 (Fax)
insurance.consumers@arkansas.gov
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
You must make claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Please be advised that your policy contains the following language:
Special Provisions:
8. Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within five years after the date of loss.
Please be advised that your policy may contain one of the following provision. Please consult your policy in order to determine which provision it may contain:
Special Provisions:
8. Suit Against Us. No action shall be brought against us unless there has been compliance with the policy provisions and the action is started within five years after the inception of the loss or damage.
10. Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within five years after the date of loss.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
California
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
Understanding the Role of Repair Vendors
The following information is for your clarification only. It does not affect your policy in any way.Vendors We Use
We may ask certain vendors to help us determine the cost of damages to your property. By requesting vendors to assist us, we are neither accepting nor rejecting coverage for your claim.
Vendors You Use
You can hire a vendor that is assisting us or hire one of your own.
If you want help finding a qualified vendor in your area, we may be able to recommend one, but you are under no obligation to use them. No matter which vendor you choose; you must work with them directly. We do not guarantee or warranty the work of any vendor. Furthermore, we do not accept responsibility for their activities or conduct during their performance of repairs or services to your property.
If you become dissatisfied with any aspect of the vendor's work, you must resolve the matter with them directly.
Additional Damage-Related Work
A vendor may find additional damages related to your claim. If this happens, please notify your claims representative before performing these repairs so we can determine if any additional payment is required. If you don't notify us in advance, we may not issue payment for the work.
For your protection California law requires the following to appear on this form: Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in the state prison.
Prohibited Unfair or Deceptive Acts or Practices
California Section 790.03 of the Insurance Code:
The following are hereby defined as unfair methods of competition and unfair and deceptive acts or practices in the business of insurance.
(a) Making, issuing, circulating, or causing to be made, issued or circulated, any estimate, illustration, circular or statement misrepresenting the terms of any policy issued or to be issued or the benefits or advantages promised thereby or the dividends or share of the surplus to be received thereon, or making any false or misleading statement as to the dividends or share of surplus previously paid on similar policies, or making any misleading representation or any misrepresentation as to the financial condition of any insurer, or as to the legal reserve system upon which any life insurer operates, or using any name or title of any policy or class of policies misrepresenting the true nature thereof, or making any misrepresentation to any policyholder insured in any company for the purpose of inducing or tending to induce the policyholder to lapse, forfeit, or surrender his or her insurance.
(b) Making or disseminating or causing to be made or disseminated before the public in this state, in any newspaper or other publication, or any advertising device, or by public outcry or proclamation, or in any other manner or means whatsoever, any statement containing any assertion, representation or statement with respect to the business of insurance or with respect to any person in the conduct of his or her insurance business, which is untrue, deceptive, or misleading, and which is known, or which by the exercise of reasonable care should be known, to be untrue, deceptive, or misleading.
(c) Entering into any agreement to commit, or by any concerted action committing, any act of boycott, coercion or intimidation resulting in or tending to result in unreasonable restraint of, or monopoly in, the business of insurance.
(d) Filing with any supervisory or other public official, or making, publishing, disseminating, circulating, or delivering to any person, or placing before the public, or causing directly or indirectly, to be made, published, disseminated, circulated, delivered to any person, or placed before the public any false statement of financial condition of an insurer with intent to deceive.
(e) Making any false entry in any book, report, or statement of any insurer with intent to deceive any agent or examiner lawfully appointed to examine into its condition or into any of its affairs, or any public official to whom the insurer is required by law to report, or who has authority by law to examine into its condition or into any of its affairs, or, with like intent, willfully omitting to make a true entry of any material fact pertaining to the business of the insurer in any book, report, or statement of the insurer.
(f) Making or permitting any unfair discrimination between individuals of the same class and equal expectation of life in the rates charged for any contract of life insurance or of life annuity or in the dividends or other benefits payable thereon, or in any other of the terms and conditions of the contract. This subdivision shall be interpreted, for any contract of ordinary life insurance or individual life annuity applied for and issued on or after January 1, 1981, to require differentials based upon the sex of the individual insured or annuitant in the rates or dividends or benefits, or any combination thereof. This requirement is satisfied if those differentials are substantially supported by valid pertinent data segregated by sex, including, but not necessarily limited to, mortality data segregated by sex. However, for any contract of ordinary life insurance or individual life annuity applied for and issued on or after January 1, 1981, but before the compliance date, in lieu of those differentials based on data segregated by sex, rates, or dividends or benefits, or any combination thereof, for ordinary life insurance or individual life annuity on a female life may be calculated as follows:
(a) according to an age not less than three years nor more than six years younger than the actual age of the female insured or female annuitant, in the case of a contract of ordinary life insurance with a face value greater than five thousand dollars ($5,000) or a contract of individual life annuity; and
(b) according to an age not more than six years younger than the actual age of the female insured, in the case of a contract of ordinary life insurance with a face value of five thousand dollars ($5,000) or less. ""Compliance date"" as used in this paragraph shall mean the date or dates established as the operative date or dates by future amendments to this code directing and authorizing life insurers to use a mortality table containing mortality data segregated by sex for the calculation of adjusted premiums and present values for nonforfeiture benefits and valuation reserves as specified in Sections 10163.5 and 10489.2 or successor sections. Notwithstanding the provisions of this subdivision, sex-based differentials in rates or dividends or benefits, or any combination thereof, shall not be required for (1) any contract of life insurance or life annuity issued pursuant to arrangements which may be considered terms, conditions, or privileges of employment as these terms are used in Title VII of the Civil Rights Act of 1964 (Public Law 88-352), as amended, and (2) tax sheltered annuities for employees of public schools or of tax exempt organizations described in Section 501(c) (3) of the Internal Revenue Code. (g) Making or disseminating, or causing to be made or disseminated, before the public in this state, in any newspaper or other publication, or any other advertising device, or by public outcry or
proclamation, or in any other manner or means whatever, whether directly or by implication, any statement that a named insurer, or named insurers, are members of the California Insurance
Guarantee Association or insured against insolvency as defined in Section 119.5. This subdivision shall not be interpreted to prohibit any activity of the California Insurance Guarantee Association or the commissioner authorized, directly or by implication, by Article 14.2 (commencing with Section 1063).
(h) Knowingly committing or performing with such frequency as to indicate a general business practice any of the following unfair claims settlement practices:
(1) Misrepresenting to claimants' pertinent facts or insurance policy provisions relating to any coverages at issue.
(2) Failing to acknowledge and act reasonably promptly upon communications with respect to claims arising under insurance policies.
(3) Failing to adopt and implement reasonable standards for the prompt investigation and processing of claims arising under insurance policies.
(4) Failing to affirm or deny coverage of claims within a reasonable time after proof of loss requirements have been completed and submitted by the insured.
(5) Not attempting in good faith to effectuate prompt, fair, and equitable settlements of claims in which liability has become reasonably clear.
(6) Compelling insureds to institute litigation to recover amounts due under an insurance policy by offering substantially less than the amounts ultimately recovered in actions brought by the insureds, when the insureds have made claims for amounts reasonably similar to the amounts ultimately recovered.
(7) Attempting to settle a claim by an insured for less than the amount to which a reasonable person would have believed he or she was entitled by reference to written or printed advertising material accompanying or made part of an application.
(8) Attempting to settle claims on the basis of an application which was altered without notice to, or knowledge or consent of, the insured, his or her representative, agent, or broker.
(9) Failing, after payment of a claim, to inform insureds or beneficiaries, upon request by them, of the coverage under which payment has been made.
(10) Making known to insureds or claimants a practice of the insurer of appealing from arbitration awards in favor of insureds or claimants for the purpose of compelling them to accept settlements or compromises less than the amount awarded in arbitration.
(11) Delaying the investigation or payment of claims by requiring an insured, claimant, or the physician of either, to submit a preliminary claim report, and then requiring the subsequent submission of formal proof of loss forms, both of which submissions contain substantially the same information.
(12) Failing to settle claims promptly, where liability has become apparent, under one portion of the insurance policy coverage in order to influence settlements under other portions of the insurance policy coverage.
(13) Failing to provide promptly a reasonable explanation of the basis relied on in the insurance policy, in relation to the facts or applicable law, for the denial of a claim or for the offer of a compromise settlement.
(14) Directly advising a claimant not to obtain the services of an attorney.
(15) Misleading a claimant as to the applicable statute of limitations.
(16) Delaying the payment or provision of hospital, medical, or surgical benefits for services provided with respect to acquired immune deficiency syndrome or AIDS-related complex for more than 60 days after the insurer has received a claim for those benefits, where the delay in claim payment is for the purpose of investigating whether the condition preexisted the coverage. However, this 60-day period shall not include any time during which the insurer is awaiting a response for relevant medical information from a health care provider.
(i) Canceling or refusing to renew a policy in violation of Section 676.10. 790.031. The requirements of subdivision (b) of Section 790.034, and Sections 2071.1 and 10082.3 shall apply only to policies of residential property insurance as defined in Section 10087, policies and endorsements containing those coverages prescribed in Chapter 8.5 (commencing with Section 10081) of Part 1 of Division 2, policies issued by the California Earthquake Authority pursuant to Chapter 8.6 (commencing with Section 10089.5) of Part 1 of Division 2, policies and endorsements that insure against property damage and are issued to common interest developments or to associations managing common interest developments, as those terms are defined in Section 1351 of the Civil Code, and to policies issued pursuant to Section 120 that insure against property damage to residential units or contents thereof owned by one or more persons located in this state. 790.034.
(a) Regulations adopted by the commissioner pursuant to this article that relate to the settlement of claims shall take into consideration settlement practices by classes of insurers.
(b) (1) Upon receiving notice of a claim, every insurer shall immediately, but no more than 15 calendar days after receipt of the claim, provide the insured with a legible written notice containing the following: ""In addition to Section 790.03 of the Insurance Code provided here, Fair Claims Settlement Practices Regulations govern how insurance claims must be processed in this state. These regulations are available at the Department of Insurance Internet site, www.insurance.ca.gov or by calling the department's consumer information line at 1-800-927-HELP(4357). You may also obtain a copy of these regulations free of charge from this insurer.""
(2) Every insurer shall provide, whether requested orally or in writing by an insured, a copy of the Fair Claims Settlement Practices Regulations as set forth in Sections 2695.5, 2695.7, 2695.8, and 2695.9 of subchapter 7.5 of Chapter 5 of Title 10 of the California Code of Regulations, unless the regulations are inapplicable to that class of insurer. These regulations shall be provided to the insured within 15 calendar days of request.
(3) The provisions of this subdivision shall apply to all insurers except for those that are licensed pursuant to Chapter 1 (commencing with Section 12340) of Part 6 of Division 2, with respect to policies and endorsements described in Section 790.031.
(j) Holding oneself out as representing, constituting, or otherwise providing services on behalf of the California Health Benefit Exchange established pursuant to Section 100500 of the Government Code with a valid agreement with the California Health Benefit Exchange to engage in those activities.
Choice Point
This insurer reports claim information to one or more claims information databases. The claim information is used to furnish loss history reports to insurers. If you are interested in obtaining a report from a claims information database, you may do so by contacting: Choice Point (CLUE) 800-456-6004 www.consumerdisclosure.com. ISO Claim search 800-888-4476
Policy Disclosures
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Section I - Conditions:
8. Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within one year after the date of loss.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Section I - Property Conditions:
8. Suit Against Us. No action shall be brought against us unless there has been compliance with the policy provisions and the action is started within one year after the inception of the loss or damage.
10. Suit Against Us. No action shall be brought unless there has been full compliance with all the policy provisions and the action is started within one year after the inception of the loss or damage.
You must make a claim for recoverable depreciation within 12 months of the later:
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
(In the event of a state declared emergency the time limit is increased to 36 months)
If you disagree with our handling of this claim, you can have the matter reviewed by:
California Department of Insurance
Consumer Services and Market Conduct Branch
Claims Services Bureau
300 South Spring Street, South Tower
Los Angeles, CA 90013
(800) 927-4357
Fax: (213) 897-5961
The California Department of Insurance can also accept complaints over its website at: www.insurance.ca.gov
We anticipate that we will complete our investigation within 30 days and will contact you if we still have outstanding issues.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Colorado
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
As required by the Colorado Division on Insurance and your Homeowners Policy, if a mortgagee is named on your policy, any loss payable for damage to mortgaged property will be paid to the mortgagee and you, as interests appear.
No action shall be brought against us unless there has been compliance with the policy provisions
if you disagree with our handling of this claim, you can have the matter reviewed by:
Colorado Division of Insurance
1560 Broadway, Suite 850
Denver, CO 80202
303-894-7490
800-930-3745
https://doi.colorado.gov/for-consumers
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Connecticut
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Suit Against Us - No action can be brought against us unless there is compliance with all of the terms under Section I of this policy and the action is started within two years after the date of loss.
If you do not agree with this decision, you may contact the Division of Consumer Affairs within the Insurance Department. The address is:
Connecticut Insurance Department
Consumer Affairs Division
P.O. Box 816
Hartford CT 06142-0816
You may also call (800) 203-3447 (Connecticut only) or (860) 297-3900 (Hartford area or outside of Connecticut), or contact them online at www.ct.gov/cid.
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Delaware
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may contact the Delaware Department of Insurance.
Department of Insurance
1351 West North Street
Suite 101
Dover, DE 19904
800-282-8611 toll free; in Delaware 302-674-7300
(501) 371-2749 (Fax)
delaware.gov
Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.
Under your policy's conditions, any action against us for denial of a claim, in whole or in part, must be commenced at any time up to, but not to exceed, one year from the date of the denial of the claim.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Under Delaware law, the statute of limitations applicable to the commencement of an action for coverage under a property insurance policy is 3 years from the accrual of the cause of action
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
District of Columbia
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.
If you disagree with our handling of this claim, you may have this matter, you may contact the District of Columbia Department of Insurance.
Department of Insurance
Consumer Services Division
1050 First Street, NE, 801
Washington, DC 20002
(202) 727-8000
disb.dc.gov
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Florida
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
HOMEOWNER CLAIMS BILL OF RIGHTS
This Bill of Rights is specific to the claims process and does not represent all of your rights under Florida law regarding your policy. There are also exceptions to the stated timelines when conditions are beyond your insurance company's control. This document does not create a civil cause of action by an individual policyholder, or a class of policyholders, against an insurer or insurers and does not prohibit an insurer from exercising its right to repair damaged property in compliance with the terms of an applicable policy.
YOU HAVE THE RIGHT TO:
1. Receive from your insurance company an acknowledgment of your reported claim within 14 days after the time you communicated the claim.
2. Upon written request, receive from your insurance company within 30 days after you have submitted a complete proof-of-loss statement to your insurance company, confirmation that your claim is covered in full, partially covered, or denied, or receive a written statement that your claim is being investigated.
3. Receive from your insurance company a copy of any detailed estimate of the amount of the loss within 7 days after the estimate is generated by the insurance company's adjuster.
4. Within 60 days, subject to any dual interest noted in the policy, receive full settlement payment for your claim or payment of the undisputed portion of your claim, or your insurance company's denial of your claim.
5. Receive payment of interest, as provided in s. 627.70131, Florida Statutes, from your insurance company, which begins accruing from the date your claim is filed if your insurance company does not pay full settlement of your initial, reopened, or supplemental claim or the undisputed portion of your claim or does not deny your claim within 60 days after your claim is filed. The interest, if applicable, must be paid when your claim or the undisputed portion of your claim is paid.
6. Free mediation of your disputed claim by the Florida Department of Financial Services Division of Consumer Services, under most circumstances and subject to certain restrictions.
7. Neutral evaluation of your disputed claim, if your claim is for damage caused by a sinkhole and is covered by your policy.
8. Contact the Florida Department of Financial Services Division of Consumer Services' toll-free helpline for assistance with any insurance claim or questions pertaining to the handling of your claim. You can reach the Helpline by phone at, 1-877-MY-FL-CFO (1-877-693-5236), or you can seek assistance online at the Florida Department of Financial Services Division of Consumer Services' website at, https://www.myfloridacfo.com/Division/Consumers.
YOU ARE ADVISED TO:
1. File all claims directly with your insurance company.
2. Contact your insurance company before entering into any contract for repairs to confirm any managed repair policy provisions or optional preferred vendors.
3. Make and document emergency repairs that are necessary to prevent further damage. Keep the damaged property, if feasible, keep all receipts, and take photographs of damage before and after any repairs to provide to your insurer.
4. Carefully read any contract that requires you to pay out-of-pocket expenses or a fee that is based on a percentage of the insurance proceeds that you will receive for repairing or replacing your property.
5. Confirm that the contractor you choose is licensed to do business in Florida. You can verify a contractor's license and check to see if there are any complaints against him or her by calling the Florida Department of Business and Professional Regulation. You should also ask the contractor for references from previous work.
6. Require all contractors to provide proof of insurance before beginning repairs.
7. Take precautions if the damage requires you to leave your home, including securing your property and turning off your gas, water, and electricity, and contacting your insurance company and provide a phone number where you can be reached.
If you disagree with our handling of this claim, you may have this matter, you may contact the Florida Office of Insurance Regulation.
200 East Gaines Street
Tallahassee, FL 32399
Toll-Free Helpline (in FL): (877) 693-5236
Out-of-State Callers: (850) 413-3089
www.floir.com
Pursuant to § 817.234, Florida Statutes, any person who, with the intent to injure, defraud, or deceive any insurer or insured, prepares, presents, or causes to be presented a proof of loss or estimate of cost or repair of damaged property in support of a claim under an insurance policy knowing that the proof of loss or estimate of claim or repairs contains any false, incomplete, or misleading information concerning any fact or thing material to the claim commits a felony of the third degree, punishable as provided in § 775.082, § 775.083, or § 775.084, Florida Statutes.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Policy Disclosures
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
The Chief Financial Officer for the State of Florida has adopted a rule to facilitate the fair and timely handling of residential property insurance claims. The rule gives you the right to attend a mediation conference with your insurer in order to settle any claim you have with your insurer. An independent mediator, who has no connection with your insurer, will be in charge of the mediation conference. You can start the mediation process after receipt of this notice by calling the Department of Financial Services at 1(877)693-5236. The parties will have 21 days from the date the request is received by the Department to otherwise resolve the dispute before a mediation conference can be scheduled.
If you need additional information you may contact us at by phone at 1(800)318-6572 or send a request by mail to Liberty Mutual Insurance, P.O Box 1053, Montgomeryville, PA 18936-1053. Please include your claim number with written requests.
You may request mediation by contacting the Department at 1(877)693-5236; by faxing a request to the Department at (850)488-6372; or by submitting a completed Form DFS-I0-2082, Request for Personal Residential Insurance Mediation (Rev. 02/16), which is hereby incorporated by reference, to the Department of Financial Services, Mediation Section, Bureau of Education, Advocacy, and Research, 200 East Gaines Street, Tallahassee, Florida 32399-4212. The form may be obtained online at the following website: https://www.myfloridacfo.com/Division/Consumers/Mediation/documents/DFS-I0-2082.pdf.
Upon receiving a request for mediation, and after the expiration of the 21-day period, the Administrator shall randomly select from the Department's list a mediator to conduct the mediation conference.
At any time a party may move to disqualify a mediator for good cause. Good cause consists of conflict of interest between a party and the mediator, that the mediator is unable to handle the conference competently, or other reasons which would reasonably be expected to impair the conference.
You are to notify the mediator 14 days before the mediation conference if you will bring representation to the conference. Upon receipt of such notice the mediator shall provide notice to the insurer that you will be represented at the mediation conference.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Georgia
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may contact:
Department of Insurance
Consumer Services
Two Martin Luther King Jr. Drive
West Tower, Suite 704
Atlanta, GA 30334
Main Telephone: 404-656-2070
Toll Free: 800-656-2298
Fax: 404-657-8542
Any person who knowingly and with intent to defraud any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
We anticipate that we will complete our investigation within 45 days and will contact you if we still have outstanding issues.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Hawaii
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may contact:
Department of Commerce and Consumer Affairs
Mailing Address:
Insurance Division
P.O. Box 3614
Honolulu, Hawaii 96811
Office Location:
King Kalakaua Building
335 Merchant Street, Room 213
Honolulu, Hawaii 96813
808-586-2790
800-468-4644 toll free Lani & Molokai only
https://cca.hawaii.gov/ins/
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Idaho
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may have this matter, you may contact the Idaho Department of Insurance.
Idaho Department of Insurance
700 W State St 3rd floor
Boise, ID 83702
800-721-3272
www.doi.idaho.gov
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Illinois
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Part 919 of the Rules of the Illinois Department of Insurance requires that our company advise you that, if you wish to take this matter up with the Illinois Department of Insurance, it maintains a Consumer Division in Chicago at 122 S. Michigan Ave., 19th Floor, Chicago, Illinois 60603 and in Springfield at 320 West Washington Street, Springfield, Illinois 62767.
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
8. Suit Against Us. No action can be brought against us unless there has been compliance with the policy provisions and the action is started within one year after the inception of the loss or damage.
However, this one year period is extended by the number of days between the day proof of loss is submitted and the date the claim is denied in whole or in part.
10. Suit Against Us. No action can be brought against us unless there has been full compliance with all of the terms under this policy and the action is started within two years of the date of loss.
However, this two year period is extended by the number of days between the date proof of loss is submitted and the date the claim is denied in whole or in part.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Indiana
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may contact:
Indiana Department of Insurance
Consumer Services
311 W Washington St
Indianapolis, IN 46204
317-232-2395
800-622-4461
www.in.gov/idoi
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Iowa
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may have this matter, you may contact the Iowa Department of Insurance.
Iowa Insurance Division
601 Locust St. - 4th Floor
Des Moines, IA 50309
515-281-5705
toll free within Iowa 877-955-1212
www.iid.iowa/gov/consumers
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Kansas
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may contact:
Kansas Insurance Department
Consumer Division
1300 SW Arrowhead Rd
Topeka, KS 66604
800-432-2484 (KS only)
785-296-7829
www.ksinsurance.org
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Please be advised that your policy contains the following language:
Special Provisions Endorsement Section I - Conditions:
8. Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within five years after the date of loss.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Special Provisions Section I Property Conditions:
8. Suit Against Us. No action can be brought against us unless there has been compliance with the policy provisions and the action is started within five years after the inception of the loss or damage.
10. No action shall be brought against us unless there has been full compliance with all of the terms under this policy and the action is started within five years after the inception of the loss or damage.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Kentucky
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Please be advised that your policy contains the following language:
Section I - Conditions:
8. Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within one year after the date of loss.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Section I Property Conditions:
8. Suit Against Us. No action shall be brought against us unless there has been compliance with the policy provisions and the action is started within one year after the inception of the loss or damage.
10. Suit Against Us. No action shall be brought unless there has been full compliance with all of the policy provisions and the action is started within one year after inception of the loss or damage.
If you disagree with our handling of this claim, you may contact:
Kentucky Department of Insurance
Division of Consumer Protection
500 Mero Street, 2 SE 11
Frankfort, KY 40601
502-564-3630;
800-595-6053 (Kentucky only)
https://insurance.ky.gov
Any person who knowingly and with intent to defraud an insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Louisiana
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
If you disagree with our handling of this claim, you may have this matter, you may contact the Louisiana Department of Insurance.
Louisiana Department of Insurance
Office of Consumer Services
1702 N 3rd St #5143
Baton Rouge, LA 70802
225-342-5900;
Toll free 800-259-5300
http://www.ldi.la.gov/
Maine
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or denial of insurance benefits.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Maryland
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Please be advised that your policy contains the following language:
Special Provisions Endorsement Section I – Conditions:
8. Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within three years after the date of loss.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Special Provisions Section I Property Conditions:
8. Suit Against Us. No action can be brought against us unless there has been full compliance with all of the terms under Section I of this policy and the action is started within three years from the date it accrues.
10. Suit Against Us. No action can be brought against us unless there has been compliance with the policy provisions and the action is started within three years from the date it accrues.
If you disagree with our handling of this claim, you may contact:
Maryland Insurance Administration
Consumer Affairs
200 St. Paul Place Suite 2700
Baltimore, MD 21202
410-468-2000
800-492-6116
https://insurance.maryland.gov/
Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Massachusetts
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
If you disagree with our handling of this claim, you may contact:
Division of Insurance
Consumer Service Unit
1000 Washington St. Suite 810
Boston, MA 02118
617-521-7794
877-563-4467
https://www.mass.gov/orgs/division-of-insurance
Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
Pursuant to M.G.L. c. 139, § 3B, please be aware that a homeowners insurance claim has been made involving loss, damage or destruction of the above captioned property, which may either exceed $1,000.00 or causes the condition of a building or other structure to render Mass. General Laws, Ch. 143, § 6 applicable. You are required to notify COMPANY by certified mail in accordance with Mass. General Laws Ch. 175, §99, if you intend to initiate proceedings designed to perfect a lien pursuant to Mass. General Laws, Ch. 139, § 3A & B, or Mass. General Laws, Ch. 143, § 9, or Mass. General Laws, Ch. 111, § 127B.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Michigan
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
If you disagree with our handling of this claim, you may contact:
Michigan Department of Insurance and Financial Services
Consumer Services
530 W Allegan St 7th floor
Lansing, MI 48933
877-999-6442
https://www.michigan.gov/difs
Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Minnesota
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
Minnesota State statute establishes the minimum criteria all insurance companies can use when determining whether to cancel or non-renew a homeowner policy. The criteria examine the type of claim (category), the circumstances behind each claim and the number of filed claims over a 36-month period.
Category I claims involve one or more of the following:
- Misrepresentation or fraud made by you, or with your knowledge, while obtaining a policy or pursuing a claim.
- An act or omission by you, which materially increases the risk, originally accepted.
- A physical change or changes in the insured property, which was not corrected or restored within a reasonable time after it occurred and which results in the claim.
- Gross negligence on the part of you, or a member of your household, which contributed to the claim.
Category II claims include all claims not listed under Category I, excluding losses from natural causes (examples: wind, lightening, hail, etc.), losses for which no payment was made, and losses for which we recover 80% or more of the payment through subrogation.
The submission of one Category I loss or two or more Category II losses within the 36-month experience period will initiate a policy review which may result in non-renewal or cancellation.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Special Provisions Section I Property Conditions:
8. Suit Against Us. No action shall be brought against us unless there has been compliance with the policy provisions and the action is started within two years after the inception of the loss or damage.
10. Suit Against Us. No action shall be brought unless there has been full compliance with all of the policy provisions and the action is started within two years after inception of the loss or damage.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
If this is a fire loss, you have a right to file a complaint regarding the denial. A complaint may be filed with the Minnesota Department of Commerce at:
Minnesota Department of Commerce 85 7th Place East, Suite 500
St. Paul, MN 55101-3165
651-539-1600
800-657-3602 Greater MN only
A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Mississippi
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
If you disagree with our handling of this claim, you may have this matter, you may contact the Mississippi Insurance Department:
Mississippi Insurance Department
Consumer Services Division
PO Box 79
Jackson, MS 39205
Physical Address:
501 N West Street
1001 Woolfolk State Office Building
Jackson, MS 39201
601-359-2453
Toll free 800-562-2957
www.mid.ms.gov
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Missouri
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Special Provisions Section I Property Conditions:
8. Suit Against Us. No action shall be brought against us unless there has been compliance with the policy provisions and the action is started within ten years after the inception of the loss or damage.
10. Suit Against Us. No action can be brought unless all of the policy provisions have been complied with and the action is started within ten years after the date of loss.
If you disagree with our handling of this claim, you may contact:
Insurance Department
Consumer Affairs
P.O. Box 690
Jefferson City, MO 65102
Physical Address:
301 W High St #630
Jefferson City, MO 65101
573-751-4126
800-726-7390
The State will permit a credit in the amount of the proceeds received from the insurance company toward the tax on the replacement vehicle. Failure to replace the vehicle within the allowed 180 days may result in the additional payment of sales tax. If replacement has been made prior to issuance of this letter, then you should contact the license office to obtain a form to apply for a refund.
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Montana
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
If you disagree with our handling of this claim, you may contact:
The Office of the Montana State Auditor, Commissioner of Securities and Insurance
Consumer Affairs
840 Helena Ave
Helena, MT 59601
406-444-2040
800-332-6148
https://csimt.gov/
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Nebraska
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Under NER 210.60 008.08, if you object to our adjustment of your claim, you're entitled to have the matter reviewed by:
Physical Address:
Nebraska Department of Insurance
1526 K Street, Suite 200
Lincoln, Nebraska 68508
Mailing Address:
Nebraska Department of Insurance
P.O. Box 82089
Lincoln, Nebraska 68501-2089
402-471-2201
Consumer Affairs Hotline: 877-564-7323 (in-state only)
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
No action shall be brought against us unless there has been compliance with the policy provisions.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Nevada
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Section I - Conditions:
8. Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within one year after the date of loss.
8. Suit Against Us. No action can be brought against us unless the policy provisions have been complied with. Any action against us for denial of a claim, in whole or in part, must be commenced at any time up to, but not to exceed, one year from the date of the denial of the claim.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Section I Property Conditions:
8. Suit Against Us. No action shall be brought against us unless there has been compliance with the policy provisions and the action is started within one year after the inception of the loss or damage.
10. Suit Against Us. No action shall be brought unless there has been full compliance with all of the policy provisions and the action is started within one year after inception of the loss or damage.
If you disagree with our handling of this claim, you may contact:
Nevada Division of Insurance
Consumer Services
1818 E College Pkwy., Suite 103
Carson City, NV 89706
775-687-0700
or
3300 W. Sahara Ave., Suite 275
Las Vegas, NV 89102
702-486-4009
toll free 888-872-3234
https://doi.nv.gov
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
New Hampshire
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation For a complete explanation, please refer to your policy or ask your Claims Representative.
Please be advised that your policy contains the following language:
Section I - Conditions:
8. Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within one year after the date of loss.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Special Provisions Section I Property Conditions:
8. Suit Against Us. No action shall be brought against us unless there has been compliance with the policy provisions and the action is started within three years after the inception of the loss or damage.
8. Suit Against Us. No action shall be brought against us unless there has been compliance with the policy provisions and the action is started within one year after the inception of the loss or damage.
Suit Against Us. No action shall be brought unless there has been full compliance with all of the policy provisions and the action is started within one year after inception of the loss or damage.
We will, of course, be available to you to discuss the position we have taken. You may reach us at (800) 225-2467 . If you are a New Hampshire resident; if your policy insures property located in New Hampshire; or if you have been injured/your property has been damaged by a New Hampshire resident and you wish to take this matter up with the New Hampshire Department of Insurance. The NH DOI maintains a consumer services division to assist consumers with complaints at: 21 South Fruit Street, Suite 14, Concord, NH 03301. The New Hampshire Insurance Department can be reached, toll free, by dialing 800-852-3416.
Any person who, with a purpose to injure, defraud or deceive any insurance company, files a statement of claim containing any false, incomplete or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.
New Hampshire Insurance Regulation 1000.02 requires that we provide written notification as to the status of a claim every thirty days. At your option, the thirty-day notice of the status of your claim can be waived. If you wish to waive receiving the 30-day notice letters, please do so by signing and returning this form.
I agree to waive written communication regarding the status of a claim every thirty days:
Signature
File Number
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
New Jersey
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
If you don't agree with our position, you have the right of appeal under the law. A committee of company employees who are at a supervisory level or higher will review the appeal. The review will be completed within 10 business days of receipt of your letter and written notice will be sent within three business days of the decision.
This Internal Appeals Process does not waive or alter any of the terms or conditions of our policy, nor does it extend any statutes of limitation or suit limitation provisions. Please direct your appeal to:
New Jersey Claims Internal Appeals Committee
Liberty Mutual Insurance
175 Berkeley Street
Boston, MA, 02116
PresidentialSvcTeam@LibertyMutual.com
Please contact us if you have any questions about this process. We can assist you more quickly if you reference your claim number in all communications. If you want, you can also speak with:
Office of Insurance Claims Ombudsman
Department of Banking and Insurance
PO Box 472
Trenton, NJ 08625-0472
Telephone: (609) 292-7272
Fax: (609) 292-2431
E-mail: ombudsman@dobi.nj.gov
We are obligated to provide you with the following information, should you desire to speak with your Department of Insurance:
New Jersey Department of Banking and Insurance
Consumer Assistance
20 West State Street
PO Box 329
Trenton, NJ 08625-0329
(609) 292-7272
Telefax: (609) 292-2431 or (609) 777-0508
Automated Hotline: (800) 446-7467
E-mail: ombudsman@dobi.nj.gov
Electronic complaint submissions: https://www.nj.gov/dobi/consumer.htm
New Mexico
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
If you disagree with our handling of this claim, you may have this matter, you may contact the New Mexico Office of Superintendent of Insurance.
Office of Superintendent of Insurance
Consumer Assistance
1120 Paseo de Peralta 4th floor
Santa Fe, NM 87501
(855) 427-5674
Mailing Address:
P.O. Box 1689
Santa Fe, NM 87504-1689
https://www.osi.state.nm.us
ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
New York
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Special Provisions - Section I - Conditions:
8. Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within two years after the date of loss.
Special Provisions - Section I - Conditions:
8. Suit Against Us. No action can be brought against us unless there has been full compliance with all of the terms under Section I of this policy and the action is started within two years after the inception of the loss. For purposes of this condition, inception of the loss means the date on which the direct physical loss or damage occurred.
Should you wish to take this matter up with the New York State Department of Financial Services, you may file with the department either on its website at http://www.dfs.ny.gov/consumer/fileacomplaint.htm or you may write to or visit the Consumer Assistance Unit, Financial Frauds and Consumer Protection Division, New York State Department of Financial Services, at:
One State Street, New York, NY 10004;
One Commerce Plaza, Albany, NY 12257;
1399 Franklin Avenue, Garden City, NY 11530; or
535 Washington Street, Suite 305, Buffalo, NY 14203.
Any person who knowingly and with intent to defraud any insurance company or other person files an application for commercial insurance or a statement of claim for any commercial or personal insurance benefits containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, and any person who, in connection with such application or claim, who knowingly makes or knowingly assists, abets, solicits or conspires with another to make a false report of the theft, destruction, damage or conversion of any motor vehicle to a law enforcement agency, the department of motor vehicles or an insurance company commits a fraudulent act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the value of the subject motor vehicle or stated claim for each violation.
Pursuant to New York Regulation 65-3.5(o) With respect to claims for medical services, to any treatment or service rendered on or after April 1, 2013 and with respect to claims for lost earnings and reasonable and necessary expenses, to any accident occurring on or after April 1, 2013: An insurer may deny the claim if the applicant does not provide within 120 calendar days from the date of the initial request either all such verification under the applicant’s control or possession or written proof providing reasonable justification for the failure to comply.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
North Carolina
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
If you disagree with our handling of this claim, you may have this matter, you may contact the North Carolina Department of Insurance.
North Carolina Department of Insurance
325 N Salisbury St,
Raleigh, NC 27603
Mailing Address:
Consumer Services Division
1201 Mail Service Center
Raleigh, NC 27699-1201
855-408-1212
https://www.ncdoi.gov
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
North Dakota
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may have this matter, you may contact the North Dakota Insurance Department.
North Dakota Insurance Department
600 E Boulevard Ave
Bismarck, ND 58505
Consumer Assistance Center
1640 Burnt Boat Drive
Bismarck, ND 58503
701-328-2440
Consumer Hotline 800-247-0560
https://www.nd.gov/ndins
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Ohio
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may have this matter, you may contact the Ohio Department of Insurance.
Ohio Department of Insurance
50 W Town St Suite 300
Columbus, OH 43215
614-644-2658
800-686-1526
https://www.insurance.ohio.gov
Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Please be advised that your policy contains the following language:
Section I - Conditions:
8. Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within one year after the date of loss.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Section I — Property Conditions:
8. Suit Against Us. No action shall be brought against us unless there has been compliance with the policy provisions and the action is started within one year after the inception of the loss or damage.
10. Suit Against Us. No action shall be brought unless there has been full compliance with all of the policy provisions and the action is started within one year after inception of the loss or damage.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Oklahoma
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
If you disagree with our handling of this claim, you may have this matter, you may contact the Oklahoma Insurance Department.
Oklahoma Insurance Department
Consumer Assistance
400 NE 50th Street
Oklahoma City, OK 73105
405-521-2828
800-522-0071 within OK
https://www.oid.ok.gov
Please be advised that your policy contains the following language:
Special Provisions Endorsement Section I - Conditions:
8. Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within two years after the date of loss.
Warning: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Section Provisions Section I Property Conditions:
8. Suit Against Us. No action shall be brought against us unless there has been compliance with the policy provisions and the action is started within two years after the inception of the loss or damage.
10. Suit Against Us. No action shall be brought unless there has been full compliance with all of the policy provisions and the action is started within two years after inception of the loss or damage.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Oregon
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may have this matter, you may contact the Oregon Division of Financial Regulation.
Department of Consumer and Business Services
Division of Financial Regulation
P.O. Box 14480 Salem, OR 97309-0405
300 Winter St NE
Salem, OR 97301
503-947-7984
888-877-4894 in Oregon
https://dfr.oregon.gov/
dfr.insurancehelp@oregon.gov/
Any person who knowingly and with the intent to defraud any insurer provides false or misleading information concerning any fact material to a risk to be insured or to a claim for loss or benefits may be guilty of a crime.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Please be advised that your policy contains the following language:
Special Provisions:
8. Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within two years after the date of loss.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Special Provisions:
8. Suit Against Us. No action shall be brought against us unless there has been compliance with the policy provisions and the action is started within two years after the inception of the loss or damage.
10. Suit Against Us. No action can be brought unless the policy provisions have been complied with the action is started within two years after the date of the loss.
10. Suit Against Us. No action shall be brought unless there has been full compliance with all of the policy provisions and the action is started within one year after inception of the loss or damage.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Pennsylvania
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may have this matter, you may contact the Pennsylvania Insurance Department.
Pennsylvania Insurance Department
Bureau of Consumer Services
1209 Strawberry Square
Harrisburg, PA 17120
Toll-free 877-881-6388
https://www.insurance.pa.gov
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Please be advised that your policy contains the following language:
Section I - Conditions
8. Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within one year after the date of loss.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Section I Property Conditions:
8. Suit Against Us. No action shall be brought against us unless there has been compliance with the policy provisions and the action is started within one year after the inception of the loss or damage.
10. Suit Against Us. No action shall be brought unless there has been full compliance with all of the policy provisions and the action is started within one year after inception of the loss or damage.
We anticipate that we will complete our investigation within 45 days and will contact you if we still have outstanding issues.
Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Rhode Island
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Please be advised that your policy contains the following language:
Special Provisions Endorsement Section I - Conditions:
8. Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within two years after the date of loss.
If you object to this denial, you may have the matter reviewed by:
Rhode Island Department of Business Regulation
Insurance Division
1511 Pontiac Avenue, Bldg. 69-2
Cranston, Rhode Island 02920
(401) 462-9520
insuranceinquiry@dbr.ri.gov
www.dbr.ri.gov/divisions/insurance/
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
The Statute of Limitations for Property Claims in the State of Rhode Island is TWO (2) years.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
South Carolina
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
If you disagree with our handling of this claim, you may have this matter, you may contact the South Carolina Department of Insurance.
South Carolina Department of Insurance
Office of Consumer Services
1201 Main St Suite 1000
Columbia, SC 29201
Mailing Address:
P.O. Box 100105
Columbia, SC 29202-3105
803-737-6180
800-768-3467
https://www.doi.sc.gov
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
South Dakota
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may have this matter, you may contact the South Dakota Division of Insurance.
South Dakota Division of Insurance
Department of Labor & Regulations
124 S Euclid Ave 2nd floor
Pierre, SD 57501
605-773-3563
https://dlr.sd.gov/insurance
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Tennessee
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may have this matter, you may contact the Tennessee Department of Commerce of Insurance.
Department of Commerce and Insurance
Division of Consumer Affairs
500 James Robertson Pkwy
Nashville, TN 37243
615-741-2218
https://www.tn.gov/commerce/
It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
In accordance with T. C. A. § 56-7-125, you have the following rights:
1. To receive quality repair work to restore the damage to your property;
2. To have repairs made by a contractor of your choice, understanding that the contractor is hired by you, the policyholder, and that this contractor does not work for or at the direction of the insurance company;
3. To receive a copy of your insurance policy free of charge upon request;
4. To be informed of the need to file a proof of loss, if required;
5. To receive the name, phone number and address of the Claims Representative handling your loss;
6. To receive a detailed estimate of the scope of damage and cost of repairs. Should the contractor you select have questions concerning our estimate, you or your contractor should contact your Claims Representative directly;
7. To file supplemental claims as needed;
8. To file a complaint with the Department of Commerce and Insurance by calling the Policyholder Service Section at 800-342-4029, if you are unable to work out an agreement after speaking with your Claims Representative.
The requirements of this Act do not amend or replace any part of your insurance policy. You should carefully read and examine your insurance policy including all coverages, conditions, exclusions and rights.
Brand. Short reserves all rights under applicable law and the policy. This letter should in no way be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Texas
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may have this matter, you may contact the Texas Department of Insurance.
Texas Department of Insurance
333 Guadalupe St
Austin, TX 78701
800-252-3439
https://www.tdi.texas.gov/
Mailing Address:
Consumer Protection, MC 11101A
Texas Department of Insurance
PO Box 149104
Austin, TX 78714-9104
Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Utah
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may have this matter, you may contact the Utah Insurance Department.
Utah Insurance Department
Consumer Affairs
350 N State St #3110
Salt Lake City, Utah 84114
801-538-3800
In-State Toll Free: 800-439-3805
https://insurance.utah.gov/
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Please be advised that your policy contains the following language:
Special Provisions Endorsement Section I - Conditions:
8. Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within three years after the date of loss.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Special Provisions Section I Property Conditions:
8. Suit Against Us. No action shall be brought against us unless there has been compliance with the policy provisions and the action is started within three years after the inception of the loss or damage.
10. Suit Against Us. No action shall be brought against us unless there has been compliance with the policy provisions and the action is started within three years after the inception of the loss or damage.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Vermont
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may have this matter, you may contact the Vermont Department of Financial Regulation.
State of Vermont Department of Financial Regulation
Consumer Services
89 Main St
Montpelier, VT 05620-3101
800-964-1784
https://dfr.vermont.gov/
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Please be advised that your policy contains the following language:
Section I - Conditions
8. Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within one year after the date of loss. However, your right to bring legal action against us is not conditioned upon your compliance with the provisions of the Appraisal Condition.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Special Provisions Section I Property Conditions:
8. Suit Against Us. No action shall be brought against us unless there has been compliance with the policy provisions and the action is started within one year after the inception of the loss or damage. However, your right to bring legal action against us is not conditioned upon your compliance with the provisions of the Appraisal Condition.
10. Suit Against Us. No action shall be brought unless there has been full compliance with all of the policy provisions and the action is started within one year after inception of the loss or damage. However, your right to bring legal action against us is not conditioned upon your compliance with the provisions of the Appraisal Condition.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Virginia
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may have this matter, you may contact the Virginia Bureau of Insurance.
State Corporation Commission
Virginia Bureau of Insurance
1300 East Main St
Richmond, VA 23219
877-310-6560
http://www.scc.virginia.gov/boi
Mailing Address:
State Corporation Commission
Virginia Bureau of Insurance
P.O. Box 1157, Richmond, VA 23218
It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Washington
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines, and denial of insurance benefits.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Section I Property Conditions:
8. Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within one year after the date of loss.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Section I - Conditions
8. Suit Against Us. No action shall be brought unless there has been compliance with the policy provisions and the action is started within one year after the inception of the loss or damage.
10. Suit Against Us. No action can be brought against us unless:
a)There has been full compliance with all the terms under this policy; and
b)The action is started within two years after the date of loss.
However, if an action is brought against us under the Insurance Fair Conduct Act, then 20 days prior to filing such an action, we and the Office of the Insurance Commissioner must be provided written notice of the basis for the cause of action.
If you have questions or concerns about the actions of your insurance company or agent, or would like information on your rights to file an appeal, contact the Washington state Office of the Insurance Commissioner's consumer protection hotline at 800-562-6900 or visit www.insurance.wa.gov. The insurance commissioner protects and educates insurance consumers, advances the public interest, and provides fair and efficient regulation of the insurance industry.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
West Virginia
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
Please be advised that your policy contains the following language:
Section I - Conditions
8. Suit Against Us. No action can be brought unless the policy provisions have been complied with and the action is started within one year after the date of loss.
Please be advised that your policy may contain one of the following provisions. Please consult your policy in order to determine which provision it may contain:
Special Provisions Section I Property Conditions:
8. Suit Against Us. No action shall be brought against us unless there has been compliance with the policy provisions and the action is started within two years after the inception of the loss or damage.
10. Suit Against Us. No action shall be brought unless there has been full compliance with all of the policy provisions and the action is started within two years after inception of the loss or damage.
In accordance with West Virginia Statute 114-14-6.17 of the Code of State Rules, you can take this matter up with the Office of the Insurance Commissioner at:
West Virginia Offices of the Insurance Commissioner
Attn: Consumer Service Division
P.O. Box 50540
Charleston, WV 25305-0540
Toll-free: (888) 879-9842
Direct: (304) 558-5838
www.wvinsurance.gov
They are also available at this address: 900 Pennsylvania Ave., Charleston, WV 25302
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Wisconsin
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may have this matter, you may contact the Wisconsin Office of the Commissioner of Insurance.
State of Wisconsin
Office of the Commissioner of Insurance
125 South Webster St
Madison, WI 53703
608-266-3585
Toll-free: 800-236-8517
Mailing Address:
P.O. Box 7873
Madison, WI 53707-7873
https://oci.wi.gov/
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy
Wyoming
Important Policy and/or State Specific Information
While we have attempted to address all of the coverage considerations related to this claim, this company reserves all rights under applicable law and the policy. This letter should not be construed as a waiver or estoppel of any of the possible coverage defenses afforded by the policy or applicable law.
If you disagree with our handling of this claim, you may have this matter, you may contact the Wyoming Department of Insurance.
Wyoming Department of Insurance
Consumer Affairs Sections
106 East 6th Avenue
Cheyenne, WY 82001
307-777-7402
800-438-5768
https://doi.wyo.gov/
You must make a claim for recoverable depreciation within 6 months of the later
a)The last date you received a payment for actual cash value; or
b)The date of entry of a final order of a court of competent jurisdiction declaring your right to replacement cost.
Certain Policy Forms and Endorsements may amend the general terms and conditions for claiming recoverable depreciation. For a complete explanation, please refer to your policy or ask your Claims Representative.
To learn about Liberty Mutual's privacy policy go to www.libertymutual.com/privacy