Note: On December 29, 2015, Illinois Governor Bruce Rauner declared a number of Illinois counties state disaster areas after significant issues related to flooding impacted these counties. Over the past week, additional counties have been added as state disaster areas. The complete list of affected counties is outlined below:



Alexander Douglas Marion Randolph

Calhoun Iroquois Menard Richland

Cass Jackson Monroe St. Clair

Christian Jersey Morgan Sangamon

Clinton Lawrence Moultrie Vermilion

Cumberland Madison Pike

As a result of this current disaster in the State of Illinois, some of our policyholders may experience disruption of mail delivery and displacement from their residences, businesses, and other properties.


To help ensure that those affected by this disaster (insureds located in the above listed counties) do not suffer unnecessary hardship, Standard Mutual is taking the following actions:


  • Moratorium on Cancellations and Non-Renewals: Any cancellation or non-renewal notice issued on or after December 29, 2015 on any in-force policy issued to an affected policyholder or respecting affected property will be withdrawn and the policy will be reinstated with no lapse in coverage. In addition, we will not issue any new cancellation or non-renewal notices to affected policyholders or for affected property until February 29, 2016, or a later time if deemed reasonable given an individual policyholder’s circumstance.


  • Other Insurance-Related Time-Period Extensions: Affected policyholders will be granted an extension of any and all policy provisions or other requirements that impose a time limit for an insured or claimant to perform any act, including the submission of a claim or proof of loss, reporting of information, submission of bills, or payment of funds. The extension shall be for a minimum of 60 days from the last date allowed or required under the terms of the contract.


  • Time-Period Extension For Repairs: In the event that repairs on affected property cannot be completed within the time period required under any policy, or within the 90-day time period for repairs prior to termination due to condition of the property, we will provide insureds with an extension of not less than 60 days to make such repairs.


  • Cancellation or Non-Renewal Respecting Affected Property: Although otherwise allowed under Illinois law, we will refrain from cancelling or non-renewing insurance policies respecting affected property due to an “increase in the risk originally accepted”.


  • Other Exceptions: We will consider exceptions to policy or contract requirements, or to other rating or underwriting rules, when such contractual requirements or rating or underwriting rules are not met as a result of this disaster.

Policyholders should be made aware of the availability of the Illinois Department of Insurance for filing a complaint regarding any disaster-related dispute or issue. Policyholders may call the Department’s toll-free complaint hotline at 1-866-445-5364, or file a complaint online at:

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Standard Property and Casualty Insurance Company
PO Box 1020 | Winston Salem, NC 27102
phone: 866-469-3968

Standard Property and Casualty Insurance Company
PO Box 1020
Winston Salem, NC 27102

phone: 866-469-3968