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

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.

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.

Alaska

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.

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.

Arizona

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.

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.

Arkansas

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.

California

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.

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. 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) 1-800-456-6004 www.consumerdisclosure.com

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.

You must make 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
Los Angeles, CA 90013
(800) 927-4357
Fax: (213) 897-5961

Colorado

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.

Connecticut

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.

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.

Delaware

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.

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

District of Columbia

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.

Florida

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. Within 90 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.

4. 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 90 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.

5. 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.

6. Neutral evaluation of your disputed claim, if your claim is for damage caused by a sinkhole and is covered by your policy.

7. 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.

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.

Policy Disclosures

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.

Georgia

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.

Hawaii

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.

Idaho

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.

Illinois

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.

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.

Iowa

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.

Kansas

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.

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.

Kentucky

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.

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.

Louisiana

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.

Maine

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.

Maryland

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.

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.

Massachusetts

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.

Michigan

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.

Minnesota

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 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.

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.

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) 296-4026

Mississippi

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.

Missouri

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.

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 ten years after the date of loss.

Montana

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.

Nebraska

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.

Under NER 210.60 008.08, if you object to our adjustment of your claim, you’re entitled to have the matter reviewed by: State of Nebraska Department of Insurance
941 “O” Street , P.O. Box 82089
Lincoln, Nebraska 68501-2089
(402) 471-2201
Consumer Affairs Hotline: (877) 564-7323 (in-state only)

Nevada

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.

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 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.

New Hampshire

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.

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.

New Jersey

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.

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

New Mexico

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.

New York

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.

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 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 Walter J. Mahoney Office Building, 65 Court Street, Buffalo, NY 14202 .

North Carolina

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.

Ohio

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.

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.

Oklahoma

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.

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.

Oregon

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.

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.

Pennsylvania

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.

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.

Rhode Island

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.

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/

South Carolina

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.

South Dakota

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.

Tennessee

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.

Texas

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.

Utah

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.

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.

Vermont

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.

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.

Virginia

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.

Washington

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.

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.

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 1-800-562-6900 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.

West Virginia

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.

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.

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

Wisconsin

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.

Wyoming

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.