Illinois Governor Bruce Rauner has declared Christian County a state disaster area because of the recent severe storms.

Effective immediately, the following guidelines are being implemented:

  • Moratorium on cancellations and nonrenewalsAny cancellation or nonrenewal notice issued on or after November 23, 2018, on any in-force policy issued to an affected policyholder and/or property, are withdrawn.  In addition, Badger Mutual Insurance will not issue any new cancellation or nonrenewal notices to affected policyholders and/or property until January 23, 2019.
  • Other insurance-related time-period extensionsExtensions are granted to affected policyholders 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. Such extension shall be for a minimum of 60 days from the last date allowed or required under the terms of the contract or allowed or required by us.
  • Time-period extension for repairsIn the event 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, Badger Mutual Insurance shall provide consumers with an extension of not less than 60 days to make such repairs.
  • Cancellation or nonrenewal respecting affected propertyAlthough otherwise allowed under Illinois law, Badger Mutual Insurance will refrain from canceling or nonrenewing insurance policies respecting affected property due to an increase in the risk originally accepted or due to the geographic location of the risk.
  • Other exceptions to policy or contract requirements or rating or underwriting rulesBadger Mutual Insurance shall consider exceptions to policy or contract requirements, or to other rating or underwriting rules not otherwise listed herein, when such contractual requirements or rating or underwriting rules are not met as a result of this disaster.
  • Availability of the Illinois Department of InsuranceThe Illinois Department of Insurance is available for filing a complaint regarding any disaster-related dispute or issue. Consumers shall be advised they may call the Department’s toll-free complaint hotline at 1-866-445-5364, or file a complaint online at:

If any of these situations apply to you or if you need further assistance,
please call us at 1-800-837-7833.