Insurers would have no investigation extensions for homeowners’ disaster claims

Insurers could not use an extension to investigate a covered homeowners’ claim. The rule covers insurers handling homeowners’ insurance claims for disaster damage. The damage must arise from a disaster that warrants presidential disaster assistance or prompts a governor’s request for a federal major disaster or emergency declaration. The rule would apply to claims filed on or after the effective date, 60 days after enactment.

Homeowners would provide contact details, and insurers would send instructions for filing a complaint with Pennsylvania’s Insurance Department. This covers homeowners’ claims for disasters that warrant presidential assistance or prompt a governor’s request for a federal major disaster or emergency declaration. Homeowners must give the insurer contact details for themselves or a person they designate. The notice must explain the state complaint process for poor service and rule violations and how to access it. These duties would apply to claims filed on or after the effective date, 60 days after enactment.