Disaster Recovery

24/7 Disaster Response

If disaster or a major loss occurs to your credit union, an authorized credit union representative should contact CUNA Mutual Group using our disaster phone line: 800.637.2676 or 608.444.5357. This line is available 24 hours a day, 365 days a year.

The caller will need to identify:

  • The nature of the loss/event
  • Any special needs the credit union has
  • The central or main contact for the credit union
  • The best way to reach the credit union’s main contact

Based on this contact, we will work together to determine how to best assist your credit union. If necessary that will include getting independent adjusters, as well as CUNA Mutual Group staff, on site as quickly as possible.

Current Catastrophe Declarations and Bulletins

In the aftermath of a catastrophic event, state insurance departments may issue directives to insurance companies that impact your policy. Below are links to active declarations and bulletins and summaries of CUNA Mutual Group’s response where relevant.

The emergency rule applies to all kinds of insurance and all types of insurers. Policyholders living in the 16 parishes indicated will receive an extension of time to pay insurance premiums due on or after Aug. 27, 2020, without any late fees, penalties, cancellation or non-renewal.

In response to this bulletin, CUNA Mutual Group advised all appropriate business areas of the Bulletin, the actions requested of insurance companies doing business in Louisiana and asked for all such business areas to comply with the Bulletin's requests.

The Emergency Rule provides policyholders in affected areas additional time to submit documents to insurers for claims that were filed before the state of emergency but might be difficult for policyholders to send until they can return to their homes and businesses. The action taken covers 16 Louisiana parishes affected by the storm: Acadia, Allen, Beauregard, Calcasieu, Cameron, Grant, Jackson, Jefferson Davis, Lincoln, Natchitoches, Ouachita, Rapides, Sabine, Vermilion, Vernon and Winn. Policyholders outside of the named parishes may still contact their insurance company and request relief and insurers have been directed to assist these policyholders as appropriate.

Due to the recent wildfires throughout the state, and in recognition of Governor’s state of emergency on August 18, 2020, related to the July-August 2020 wildfires, all property, and casualty insurance companies are directed to implement emergency expedited claims handling procedures and billing grace periods to assist residents and businesses to recover more quickly. All insurers should grant billing leniency for at least 60 days for policyholders in designated wildfire disaster areas not only for homeowners’ insurance but also for auto insurance, health insurance, or life insurance.

In response to this bulletin, CUNA Mutual Group advised all appropriate business areas of the Bulletin, the actions requested of insurance companies doing business in California and asked for all such business areas to comply with the Bulletin's requests.

Tennessee Dept of Insurance requests that insurers:

  • suspend cancellations or non renewals of policies for nonpayment of premium for at least 60 days from the date those policyholders suffered property damage, injuries, or loss of life;
  • notify affected policyholders about the 60-day extension;
  • allow exceptions to proof of loss deadlines, notice requirements, and other contract or underwriting requirements;
  • allow policyholders to voluntarily enter payment plans;
  • allow policyholders to temporarily postpone payment due dates in order to continue insurance coverage;
  • suspend late payment, reinstatement, or insufficient funds fees along with any other fee, penalty, or interest charge resulting from the insured's temporary inability to submit premium payments;
  • allow insureds to request a duplicate copy of their policy at no additional cost; and
  • refrain from cancelling or nonrenewing policies solely because of claims resulting from the tornadoes.

The DCI issued its directive under the authority of Governor Bill Lee's Executive Order No. 13 (March 4, 2020), which suspends application of Insurance Title 56 of the Tennessee Code Annotated until 12:01 a.m. on May 2, 2020. The directive is also attached.

Request for Policyholder and Claims Data

To determine the number of consumers affected by the storms, the DCI also wants insurers to email the following policyholder and claims data to David Combs, Director of External Affairs, at david.combs@tn.gov:

  • Insurers should email the number of policyholders in the counties of Benton, Humphreys, Dickson, Cheatham, Davidson, Wilson, Smith, and Putnam by March 6, 2020; and
  • Insurers should email the number of auto, homeowner, and commercial claims filed on March 6, March 13, March 27, April 10, April 17, and April 24, 2020.

In response to this bulletin, CUNA Mutual Group advised all appropriate business areas of the Bulletin, the actions requested of insurance companies doing business in Tennessee and asked for all such business areas to comply with the Bulletin's requests.

Puerto Rico Ruling Letter No. CN-2020-253-D addressed to all insurers and dated January 8, 2020 relates to a grace period for payment of premiums and temporary postponement of cancellation of policies due to lack of payment.

While the state of emergency declared, due to earthquakes, on January 7, 2020 is in effect, no property or casualty insurer may cancel any policy or insurance contract in the property or casualty line placed in Puerto Rico due to the lack of payment of premiums, within 30 days of the due date of the payment. In business lines for which the policy has a grace period of 30 days for payment such as life, health, and/or disability, the insurer may extend such grace period for an additional term of 30 days. Insurers may not deny the renewal of a policy or insurance contract for lack of payment of a premium, when the insured has requested such renewal, for the duration of the state of emergency. During the state of emergency all notifications of cancellation of policies for lack of payment that are issued or sent to the insured by the insurer or the entity that financed the policy premium must be withdrawn. If payment for the premium is not received within the extended payment term, the policy may be cancelled.

The insurers that are authorized in Puerto Rico must not apply penalties nor deny coverage for the duration of the state of emergency, to their insureds or beneficiaries of policies due to the lack of payment of premiums.

It is clarified that this ruling does not imply an exemption from payment of the premium. Once the grace period has elapsed, the insured must pay the premium that is due. Insurers are not exempted from compliance with the remaining provisions of the Insurance Code, Act No. 77-1957, in all respects that do not contravene this Ruling Letter.

In response to this Bulletin, CUNA Mutual Group advised all appropriate business areas of the Bulletin, the actions requested of insurance companies doing business in Puerto Rico and asked for all such business areas to comply with the Bulletin's requests.

The bulletin advises that the DOI expects the insurance industry to work with South Carolina citizens and businesses directly impacted by Hurricane Dorian to provide relief from certain insurance requirements. This relief may include, but is not limited to, the following: 

  • extension on premium payment deadlines; 
  • additional time before non-renewals or cancellations become effective; 
  • extensions on proof of loss deadlines; 
  • waivers of limitations relating to the use of out-of-network providers; 
  • one early refill or replacement refill for prescription drugs; and 
  • waiver of fees, penalties or other charges relating to an insured's temporary inability to submit premium payments or otherwise respond as a result of this disaster event. 

In response to this Bulletin, CUNA Mutual Group advised all appropriate business areas of the Bulletin, the actions requested of insurance companies doing business in South Carolina and asked for all such business areas to comply with the Bulletin's requests.

Georgia Directive 19-EX-6 is dated September 5, 2019 and is addressed to all licensed insurance companies in the state of Georgia. It concerns providing leniency for Georgia residents making premium payments in the wake of Hurricane Dorian.

The Georgia Insurance and Safety Fire Commissioner encourages insurers to provide relief to Georgia policyholders, including exercising leniency where premium payments may appear tardy due to the disruption of services as a result of the storm.

The directive also encourages insurers that have or will process lawful cancellation or nonrenewal notices during the time in which Georgia is in a State of Emergency to ensure that policyholders impacted by legal adverse underwriting decisions have sufficient time to address their insurance needs.

In response to this Bulletin, CUNA Mutual Group advised all appropriate business areas of the Bulletin, the actions requested of insurance companies doing business in Georgia, and asked for all such business areas to comply with the Bulletin's requests.

The directive informs that Hurricane Dorian is now moving northeast away from Georgia along the southeastern coast of the United States and requires insurers to continue to promptly identify, evaluate, and resolve each claim pursuant to the Georgia Unfair Claims Settlement Practices Act (O.C.G.A. Section 3-6-30 et seq.). Insurers are required to promptly acknowledge receipt of each claim and make appropriate assignments for its investigation. Policyholders should continue to receive the timely service that they expect and should not experience delays in receiving the benefits that they deserve based on the volume of claims filed with a particular insurer.

In response to this Bulletin, CUNA Mutual Group advised all appropriate business areas of the Bulletin, the actions requested of insurance companies doing business in Georgia, and asked for all such business areas to comply with the Bulletin's requests.

The Commissioner requests all insurers licensed in this state allow coverage to remain in effect for any Iowa insured who resides in a county where a disaster has been declared and who has had their ability to timely act or respond to an insurer materially affected. Insurers may alternatively choose to implement this request in a broader manner such as delineating impacted areas by zip code, county or other geographic territory to assist impacted insureds in flooded areas and areas recovering from the recent floods.

Insurers should also consider providing a grace period during which their insureds can take actions necessary to keep their policies in force. However, the Division is not requesting insurers waive any premiums or other consideration owed on any policy or contract during this period of time.

In response to this Bulletin, CUNA Mutual Group advised all appropriate business areas of the Bulletin, the actions requested of insurance companies doing business in Iowa, and asked for all such business areas to comply with the Bulletin's requests.

Insurers with policyholders in certain storm-impacted areas defer premium payments coming due and extend any and all provisions imposing time constraints within which insureds must take certain action, pursuant to the Governor's May 28, 2019, State of Emergency declaration for Greene, Mercer, and Montgomery counties, and any other counties that subsequently declare an emergency, arising from dangerous and damaging conditions resulting from the severe weather event and tornadoes that began May 27, 2019, and lasted through May 28, 2019.

Insurers should give the affected insureds the option of deferring premium payments coming due, interest free, for up to 60 calendar days from the original premium due date. Insurers should also extend for 60 calendar days time limits that may have been placed on policyholders to perform any act, including the transmittal of information or funds. The 60-day calendar period should not extend beyond July 28, 2019.

In response to this Bulletin, CUNA Mutual Group advised all appropriate business areas of the Bulletin, the actions requested of insurance companies doing business in Ohio, and asked for all such business areas to comply with the Bulletin's requests.

The DOI strongly encourages applicable entities, as listed in this bulletin, to voluntarily adhere to the practices summarized below during the time that this bulletin is in effect. Coverage for insureds impacted by the tornadoes and severe weather occurring on and after May 22, 2019 to remain in effect until this bulletin is rescinded.

Insurers are asked not to cancel, non-renew or terminate coverage during this period of emergency for impacted consumers. The DOI requests insurers consider providing a grace period during which their insureds can take actions necessary to keep their policies in force. DOI is NOT requesting insurers waive any premiums or other consideration owed on any policy or contract during this period of time.

Extending the full limit of personal property (contents) coverage to property stored off premises, and providing impacted policyholders a reasonable amount of time to complete repairs necessary before returning the property to its usual location.

These same policies also exclude coverage for neglect of property and may additionally have provisions that require the preservation of property. To avoid penalizing policyholders facing disaster conditions who take measures to protect and secure their property, insurers are asked to extend full limit of personal property coverage to property stored off premises. If an insurer extends coverage in this manner, such extension of coverage may be in accordance with all other applicable policy provisions. It would be the policyholder’s responsibility to store property in a safe and secure location and to comply with their other obligations under the policy.

In response to this Bulletin, CUNA Mutual Group advised all appropriate business areas of the Bulletin, the actions requested of insurance companies doing business in Missouri, and asked for all such business areas to comply with the Bulletin's requests.

The Arkansas Insurance Department (Department) is hereby issuing a sixty (60) day moratorium on the cancellation/non-renewal of policies for the non-payment of premiums for Arkansans residing in affected areas. This moratorium shall apply to all insurance policies issued in this state. This moratorium extension is not automatic. To be eligible for the 60 day moratorium, interested policyholders must request this extension from their insurance carriers and must have suffered significant property damage, injuries or related loss of life as a result of the storms and flooding that began May 21, 2019. Insurers are encouraged to contact their policyholders in the affected areas and work with them in providing relief under this moratorium. The 60 day moratorium period, where requested by the policyholder, shall commence effective May 21, 2019.

In response to this Bulletin, CUNA Mutual Group advised all appropriate business areas of the Bulletin, the actions requested of insurance companies doing business in Arkansas, and asked for all such business areas to comply with the Bulletin's requests.

The Oklahoma Insurance Commissioner issued Bulletin No. 2019-Exec-01 on Friday, May 24, 2019 establishing a post disaster moratorium. ALL insurers are subject to this moratorium. The bulletin is effective for 30 days from issuance (June 23, 2019) and may be extended by the Commissioner if necessary.

As a result of severe damage caused by tornadoes, thunderstorms and flooding the bulletin requires the following for the designated zip codes set forth in Attachment A:

  • Insureds may not cancel, non-renew or terminate coverage in the affected area while the bulletin is in effect.
  • Insureds in the affected area may request and obtain a copy of their insurance policy for free.
  • Insurers may not implement any rate increase in the affected area UNLESS the rate increase was filed with the Department prior to issuance of the bulletin.

In response to this Bulletin, CUNA Mutual Group advised all appropriate business areas of the Bulletin, the actions requested of insurance companies doing business in Oklahoma, and asked for all such business areas to comply with the Bulletin's requests.

WHEREAS, since February 6, 2019, heavy rains, severe storms, straight-line winds, flash flooding, and severe river flooding have affected significant portions of the State and caused substantial damage and destruction, resulted in loss of life, and threatened public safety, and these severe weather conditions continue to affect the lives and property of Tennesseans.

The relevant provisions of Tennessee Code Annotated, Title 56, and related rules are hereby suspended to give the Commissioner of Commerce and Insurance the discretion to direct Tennessee-licensed insurance companies to make reasonable efforts to assist policyholders who have experienced losses as a result of the flooding and severe weather in Tennessee. Specifically, where a delay in premium payment appears to be the result of a disruption to the mail delivery system or the policyholder's displacement due to the flooding and severe weather in Tennessee, the Department of Commerce and Insurance requests that insurers work with policyholders and take those circumstances into account before cancelling a policy and that insurers suspend cancellations or non-renewals of policies for nonpayment of premiums for a period of at least sixty (60) days from the effective date of this Order for those policyholders who have suffered property damage, injuries, or loss of life as a result of these catastrophic events. The Commissioner of Commerce and Insurance has the discretion to allow an insurance professional who is licensed in another state and who would otherwise be subject to licensing requirements under Title 56 to engage in the practice of such individual's profession, if the individual is assisting victims of the flooding and severe weather in Tennessee.

In response to this Bulletin, CUNA Mutual Group advised all appropriate business areas of the Bulletin, the actions requested of insurance companies doing business in Tennessee, and asked for all such business areas to comply with the Bulletin's requests.

The Georgia Insurance Department encourages insurers to provide relief to Georgia policyholders, including exercising leniency where premium payments may appear tardy due to the disruption of services resulting from the storms. Likewise, insurers should take into consideration the nature of Act of God claims when reviewing the renewal process for policyholders in the affected area.

In response to this Bulletin, CUNA Mutual Group advised all appropriate business areas of the Bulletin, the actions requested of insurance companies doing business in Georgia, and asked for all such business areas to comply with the Bulletin's requests.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Insurance products offered to financial institutions and their affiliates are underwritten by CUMIS Insurance Society, Inc. or CUMIS Specialty Insurance Company, members of the CUNA Mutual Group. Some coverages may not be available in all states. If a coverage is not available from one of our member companies, CUNA Mutual Insurance Agency, Inc., our insurance producer affiliate, may assist us in placing coverage with other insurance carriers in order to serve our customers' needs. CUMIS Specialty Insurance Company, our excess and surplus lines carrier, underwrites coverages that are not available in the admitted market.
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