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 WY

Alabama

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.

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