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Hastings Mutual Insurance Company
404 East Woodlawn Avenue
Hastings, MI 49058
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Monday - Friday
8:00 a.m. - 4:30 p.m. (EST)
1-800-442-8277
1-269-945-3405
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1-800-442-8277

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Notice of Storm Moratorium for Certain Illinois Customers

On July 17, 2017, the Illinois Department of Insurance issued Company Bulletin 2017-03, imposing a moratorium on cancellations, non-renewals, and premium payments for consumers affected by significant flooding in Cook, Kane, Lake, and McHenry counties. These counties have been declared state disaster areas.

Hastings Mutual Insurance Company wishes to express our concern for our customers in these counties and for all people who have felt the impact of this storm and the damage it caused.

We are posting this notice on our website to provide information to our customers on the actions we have taken to implement and comply with this Department of Insurance Bulletin:

  • Moratorium on cancellations and non-renewals. For policyholders or property affected, Hastings Mutual has withdrawn any cancellation or nonrenewal notice issued on or after July 12, 2017, on any in-force policy issued to an affected policyholder and/or property in these four counties. We will not issue any new cancellation or nonrenewal notices to affected policyholders and/or property until September 30, 2017, or a later time if deemed reasonable given an individual consumer’s circumstance.
  • Other insurance-related time-period extensions. Hastings Mutual will grant affected policyholders an extension of any and all policy provisions or other requirements that impose a time limit for an insured or claimant to perform any act, including the submission of a claim or proof of loss, reporting of information, submission of bills, or payment of funds. This extension shall be for a minimum of 60 days from the last date allowed or required under the terms of the contract or allowed or required by our company, or longer if deemed reasonable given an individual consumer’s circumstance. 
  • Time-period extension for repair. In the event repairs on affected property cannot be completed within the time period required under any policy, or within the 90-day time period for repairs prior to termination due to condition of the property [215 ILCS 5/143.27], Hastings Mutual will provide consumers with an extension of not less than 60 days to make such repairs. 
  • Cancellation or nonrenewal respecting affected property. Although otherwise allowed under Illinois law, Hastings Mutual will refrain from canceling or nonrenewing insurance policies respecting affected property due to “increase in the risk originally accepted” [215 ILCS 5/143.21 and 143.21.1] or due to the geographic location of the risk [215 ILCS 5/155.22]. 
  • Other exceptions to policy or contract requirements or rating or underwriting rules. Hastings Mutual will consider exceptions to policy or contract requirements, or to other rating or underwriting rules not otherwise listed herein, when such contractual requirements or rating or underwriting rules are not met as a result of this disaster. Exceptions to policy or contract requirements or rating or underwriting rules include instances where an insured is displaced from his or her home and is unable to obtain non-emergency medical services from a network provider. 

The Illinois Department of Insurance is available for filing a complaint regarding any disaster-related dispute or issue. Illinois consumers may call the Department’s toll-free complaint hotline at 1-866-445-5364, or file a complaint online at: https://mc.insurance.illinois.gov/messagecenter.nsf

Thank you for doing business with Hastings Mutual.