|Sentry Insurance Group, ("Sentry"), will implement the following actions for those Illinois customers impacted by the storm damage.
Moratorium on cancellations and nonrenewals. For any cancellation or nonrenewal notice
issued on or after December 29, 2015, on any in-force policy to an affected policyholder or
respecting affected property, Sentry will reinstate policies without a lapse in coverage, except
policies issued under the Dairyland Auto® brand. Policyholders with Dairyland Auto® brand
policies should contact Sentry and request reinstatement.
In addition, Sentry will not issue any new cancellation or nonrenewal notices to affected
policyholders or for affected property until February 29, 2016, or a later time if deemed reasonable
given an individual consumer's circumstance, except policies issued under the Dairyland Auto®
and Dairyland Cycle® brand. Policyholders with Dairyland Auto® and Dairyland Cycle® brand
policies will continue to receive these notices. However, if the policyholder pays the premium,
Sentry will not enforce the cancellation or nonrenewal.
Other insurance-related time-period extensions. Sentry will grant to affected policyholders an
extension of any and all policy provisions or other requirements that impose a time limit for an
insured or claimant to perform any act, including the submission of a claim or proof of loss,
reporting of information, submission of bills, or payment of funds. Such extension should 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 Sentry, or longer if deemed reasonable given an individual consumer's
Time-period extension for repairs. In the event repairs on affected property cannot be
completed within the time period required under any policy, or within the 90-day time period for
repairs prior to termination due to condition of the property [215 ILCS 5/143.27], Sentry 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, Sentry will refrain from cancelling or nonrenewing insurance policies respecting
affected property due to "increase in the risk originally accepted" [215 ILCS 5/143.21 and.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.
Sentry 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 should include instances where an insured is
displaced from his or her home and is unable to obtain non-emergency medical services from a