Tennessee Floods

Governor Lee issued Executive Order 105 on September 27, 2024, in response to the severe weather and flooding that has recently affected the state. In response to this order, the State of Tennessee Department of Commerce and Insurance Tennessee issued Bulletin 2024-03 that was directed to all Tennessee-licensed insurance companies and insurance professionals licensed in other states.

The Department requested that insurance companies provide the following to our members:

• Allow exceptions to proof of loss deadlines, notice requirements, and other contract or underwriting requirements;
• Allow for members to voluntarily enter payment plans;
• Allow members to temporarily postpone payment due dates in order to continue insurance coverage;
• Suspend late payment, reinstatement, or insufficient funds fees along with any other fee, penalty, or interest charge resulting from the member’s temporary inability to submit premium payments;
• Allow members to request a duplicate copy of their policy at no additional cost;
• Refrain from canceling or nonrenewing policies solely because of claims resulting from flooding; and
• Allow for one (1) early or replacement prescription refill per medication.

Please direct any further questions or issues to the following contacts:

• For exceptions or extensions granted by insurers, contact the Policy Analysis Section at 615. 741.2825 or Policy.Analysis@tn.gov.
• For issues with insurers or insurance professionals, contact the Consumer Insurance Services Section at 615.741.2218 or 1-800-342-4029 or submit a complaint online at https://www.tn.gov/commerce/insurance/consumer-resources/file-a-complaint.html
• TN website: https://www.tn.gov/tema/updates/hurricane-helene.html

 

Pharmacists Mutual Insurance Company and Chiron Insurance Company are available to assist in these difficult times. If you have questions or concerns with your policy, please contact our office at 800.247.5930, ext. 4050 or member.services@phmic.com.

If you would like to report a claim, please call 800.247.5930, or visit our website https://phmic.com.