If you wish to discuss mitigation discounts and efforts you could take to possibly reduce your premium, such as installation of automatic sprinkler systems in all rooms of your dwelling, addition of a central station monitored fire and burglary alarm, a new roof or change to roofing material, or if a water supply or fire station is now closer to your home, please contact us at 1-800-466-3748. These discounts range from 5-35% of applicable peril premium.
New York Insurance Law, section 2612, prohibits insurers from discrimination based on being a victim of domestic violence. This law states that no insurer, solely because a person is or has been a victim of domestic violence, may:
The fact that a person is or has been a victim of domestic violence is not a permitted underwriting criterion. This law also contains protections for victims of domestic violence regarding health insurers who receive a valid order of protection against the policyholder. The insurer is prohibited for the duration of the order from disclosing to the policyholder the address and telephone number of the insured, or of any person or entity providing covered services to the insured. The insurer should also honor a reasonable request by a person covered by an insurance policy to receive communications of claim related information by alternative means or at alternative locations if the person clearly states that disclosure of all or part of the information could endanger the person.
If any person covered by a Homesite insurance policy, issued to another person as the policyholder, delivers to Homesite a valid order of protection in the State of New York, against the policyholder, Homesite shall be prohibited for the duration of the order from disclosing to the policyholder the address and telephone number of the insured, or of any person or entity providing covered services to the insured. If a child is the covered person, the right established by this provision may be asserted by, and shall also extend to, the parent or guardian of the child.
Below are the applicable Protection Protocols Request Procedures for a person who is or has been a victim of domestic violence:
For additional assistance, please contact the New York State Domestic and Sexual Violence Hotline.
NYS Domestic and Sexual Violence Hotline: 1-800-924-6906
Spanish language: 1-800-942-6908
In NYC: 1-800-621-HOPEor dial 311
Please be advised that the employees at Homesite have up to three business days to implement the necessary protocol to secure your contact information and other confidential identifying information.
Insurance fraud is an act committed with the intent to deceive an insurer for the purpose of profit or gain. Insurance fraud could involve making false representations on an insurance application, inflating an insurance claim, and billing for services never rendered.
Title 27. Insurance. (Refs & Annos)
Chapter 22. Property Insurance Contracts. (Refs & Annos)
Article 3. Alabama Homeowners Bill of Rights Act. (Refs & Annos)
§ 27-22-42. Policyholders bill of rights.
The following shall serve as the minimum standards to be followed by the Alabama Department of Insurance in exercising the department's powers and duties in regulating insurance companies pursuant to Chapter 12. The Department of Insurance and insurance companies shall post this list or an electronic link of this list on their respective websites. These standards include the following:
(Act 2012-510, p. 1521, § 3.)
The act which added this section was approved by the Governor on May 22, 2012. For effective date, see the Code Commissioner's Notes preceding § 27-2-40.
Ala. Code 1975 § 27-22-42, AL ST § 27-22-42
Current through Act 2014-457 of the 2014 Regular Session.