| The Connecticut Department of Insurance today announced requirements for insurance carriers, adjusters, producers and others for handling claims resulting from the severe rainstorm that occurred last weekend.
As a result of the unusually heavy rainfall on August 18 and 19, Gov. Ned Lamont asked U.S. President Joseph Biden to declare three counties - Fairfield, New Haven and Litchfield - as disaster areas eligible for federal disaster assistance. The president approved that request yesterday. The department said that the action triggered the requirements of department Bulletin IC-31 (formerly known as Bulletin IC-33,) published in 2013.
That bulletin, addressed to "all insurers, licensees and interested parties," applies "(i)n the event of a significant weather-related event or other disaster for which the Governor declares a state of emergency in Connecticut ..." It requires carriers and others to:
- "Promptly and in good faith adjust and satisfy all insurance claims directly resulting from the weather-related event taking into account the magnitude and circumstances surrounding this disaster." This includes promptly contacting the claimant; surveying and assessing the damage; responding accurately to claimants; paying for additional living expenses and temporary repairs; and setting appointments.
- "... (G)rant the policyholder an extended grace period for the payment of any premium due." The bulletin encourages carriers to work with policyholders in premium collection, including payment plans.
Separately, the department said the declaration triggered another bulletin pertaining to handling of individual and group health insurance claims.
These requirements apply to risks located in the three counties mentioned above. It is unclear how long the state of emergency will remain in effect.
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