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Press Releases - September 30, 2016

 Contact: Donna Tommelleo, 860-297-3958
Insurance Department Reports Data
On Homeowner Foundation-Related Claims

The Connecticut Insurance Department has compiled the following information of foundation-related insurance claims in eastern Connecticut in an attempt to help the state better understand the scope of the crumbling foundation issues in the region.

The Department in June requested data on claims, claims denied, claims paid and claims still open, from 47 insurance carriers that write homeowner and master condominium policies on structures built from 1983 within a 20 mile radius of the J.J. Mottes Concrete Company in Stafford Springs.

The Department is reporting the data in the aggregate to protect the confidentiality of policyholders and carrier proprietary information under Conn. General Statutes Sections 38a-14.

No. of Towns Homes built from 1983 Total claims Claims denied Claims closed with payment Claims closed without payment Open claims
37 34,130 322 80 44* 33 165

* May reflect payment made due to other covered perils, i.e. fire

Town-by-Town Breakdown of Claims

“What we have found through this data collection is that less than 1 percent of homeowners in the affected area have filed foundation-related claims with their insurance companies. Further these claims are foundation-related but may also include other foundation issues beside crumbling foundations,” Insurance Commissioner Katharine L. Wade said. “Regardless, it is paramount that more homeowners need to come forward as the state continues to look for solutions to help affected homeowners so that we can better understand the scope.”

In 2015, the Insurance Department has prohibited carriers from canceling or non-renewing homeowner policies strictly due to crumbling foundations.

“We took this action last year to encourage homeowners to come forward so that we can determine whether their claims are being adjudicated properly under all applicable state insurance laws and regulations,” the Commissioner said. “The Department continues to work with the Administration to help find solutions for affected homeowners and encourages people to contact the Insurance Department or the state Department of Consumer Protection.”

About the Connecticut Insurance Department: The mission of the Connecticut Insurance Department is to protect consumers through regulation of the industry, outreach, education and advocacy. The Department recovers an average of $4 million yearly on behalf of consumers and regulates the industry by ensuring carriers adhere to state insurance laws and regulations and are financially solvent to pay claims. The Department’s annual budget is funded through assessments from the insurance industry. Each year, the Department returns an average of $100 million a year to the state General Fund in license fees, premium taxes, fines and other revenue sources to support various state programs, including childhood immunization.
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