The Disaster Protection Plan is a supplemental insurance policy that gives you a financial safety net when disasters strike. This plan is designed to limit your risk to unexpected costs and gaps in coverage.
The Disaster Protection Plan (DPP) is an insurance policy that provides a financial safety net when disaster strikes your home. Traditional plans like renters, homeowners and flood insurance are designed to help rebuild the home or replace your items lost and can have hidden costs.
The Disaster Protection Plan includes a Deductible Reimbursement benefit, Emergency Cash benefit and Lockout Reimbursement benefit.
The Disaster Protection Plan is underwritten by ACE American Insurance Co, Philadelphia, PA. an A+ Stable company (A.M.Best).
The Direct Markets division has helped hundreds of thousands of homeowners through disasters since 1996 and our Insureds have rated us with a 92% satisfaction with our claims service. ACE American Insurance Company is a part of ACE Limited, NYSE: ACE, part of the S&P 500, rated AA- Stable from Standard & Poor's and A1 Stable from Moody.
The deductible reimbursement benefit is paid for deductibles you have to pay for your home or primary insurance policy. Your primary policy would include your homeowners, unit-owners, renters, contents, earthquake, flood, or wind insurance policy, as the case may be, issued for your home.
Answers to questions about your insurance, coverage information, or assistance in resolving complaints can be obtained by calling our Customer Service Support to speak with an ACE USA licensed agent at 1-855-294-2539.
The Emergency Cash benefit is paid when your home is damaged and cannot live in your home. Your home must be uninhabitable. “Uninhabitable” means the inability to reside in your home for a period in excess of 48 consecutive hours.
Additional coverage may be available. Contact one of our licensed agents at 1-855-294-2539 for more information.
Disaster Recovery Plans and Personal Disaster Recovery Plans:
TERMS AND CONDITIONS
Limitations: With these plans, any natural or household disaster that causes damage to the structure of your home is covered except for the following: war; events affecting or causing allergies; constant or intermittent noise; pollution/contamination; normal wear & tear and/or deterioration; settling, shrinking, bulging or expansion; riot; neglect; vandalism (if residence is unoccupied more than 60 days); interruption of power from off-premises source; pre-existing conditions; intentional loss; seizure, destruction, or confiscation by any governmental or public authority; faulty, inadequate or defective work or repairs, loss, damage or expense consisting of, caused by, contributed to, or aggravated by mold, moss, mildew, fungi, spores, bacterial infestation or any similar organism or wet or dry rot; or extremes of temperature or humidity whether directly or indirectly the result of a covered Event. This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit Us from providing insurance, including, but not limited to, the payment of claims.
Coverage applies to primary residences only. Rental properties, mobile homes and manufactured homes are not eligible for coverage.
Benefits are payable only if rebuilding or repair of your home begins within 90 days of the covered loss and continues on a regular basis.
Mortgage payoff coverage up to a maximum of $250,000 or your remaining mortgage balance, whichever is less. Permanently uninhabitable coverage is excess insurance meaning any other insurance that can be applied to pay off the mortgage will be used first. Permanently uninhabitable coverage only applies in the event of condemnation of the land or movement of the land on which your property exists which permanently prohibits repair or reconstruction.
Homeowners policy deductible benefit amount is based upon your homeowners policy deductible when a disaster forces you from your home for 48 hours or longer
Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and may subject such person to criminal and substantial civil penalties. Applicable in: AK, AR, AZ, CO, DE, HI, ID, IN, LA, MN, NC, OH, PA, TN and VA. DC: WARNING: IT IS A CRIME TO PROVIDE FALSE OR MISLEADING INFORMATION TO AN INSURER FOR THE PURPOSE OF DEFRAUDING THE INSURER OR ANY OTHER PERSON. PENALTIES INCLUDE IMPRISONMENT AND/OR FINES. IN ADDITION, AN INSURER MAY DENY INSURANCE BENEFITS IF FALSE INFORMATION MATERIALLY RELATED TO A CLAIM WAS PROVIDED BY THE APPLICANT. FL: Any person who knowingly and with intent to injure, defraud or deceive any insurer files a statement of claim or an application containing any false, incomplete or misleading information is guilty of a felony of the third degree. ME: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or denial of insurance benefits. NJ: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.
DESCRIPTION OF COVERAGES
We will provide the insurance coverage described in this Certificate/Policy in return for the premium and compliance with all applicable provisions of the Certificate/Policy.
If the Insured is Temporarily Displaced for a minimum of forty-eight (48) hours from his or her Primary Residence by a covered Event as defined in this Certificate/Policy, We will pay the lesser of the Insured's Monthly Mortgage Payment or the Limit of Liability shown in the Schedule of Benefits for the lesser of the Maximum Payment Period or until the period of time Usually and Customarily Required to complete Repair, Reconstruction and Restoration. Repair, Reconstruction or Restoration of the Primary Residence must start within ninety (90) days of the date of the covered Event causing damage to the residence, and continue on a Regular Basis. If Repair, Reconstruction or Restoration does not start within ninety (90) days of the date of the covered Event causing damage to the residence, We will not pay more than three (3) Monthly Mortgage Payments.
No payment will be made until the residence is uninhabitable and vacated for forty-eight (48) hours.
For any month the Insured is Temporarily Displaced for less than a month, We will pay a pro rata benefit for the portion of the month the premises is uninhabitable.
We will pay the Insured's Remaining Mortgage Balance, if any, up to the Maximum Limit of Liability shown in the Schedule of Benefits, or $250,000, whichever is less, if the Insured is Permanently Displaced from his or her Primary Residence by an Event as defined in this Certificate/Policy and the Primary Residence is rendered Permanently Uninhabitable as defined in this Certificate/Policy.
EMERGENCY CASH COVERAGE
We will pay to the Insured an Emergency Cash Monthly Benefit for each month the Insured is Temporarily Displaced from his or her Primary Residence up to the number of Maximum Payments shown in the Schedule of Benefits. No payment will be made until the Primary Residence is uninhabitable and vacated for a minimum of 48 consecutive hours. We will pay the Emergency Cash Monthly Benefit shown in the Schedule of Benefits for the lesser of the Maximum Payment Period or until the period of time Usually and Customarily Required to complete Repair, Reconstruction and Restoration. Repair, Reconstruction or Restoration of the Primary Residence must start within ninety (90) days of the date of the covered Event causing damage to the residence, and continue on a Regular Basis. If Repair, Reconstruction or Restoration does not start within ninety (90) days of the date of the covered Event causing damage to the residence, We will not pay more than three (3) Emergency Cash Monthly Benefit payments.
Payments will be suspended once the home is made fit for use as a residence or is determined to be Permanently Uninhabitable.
PROPERTY OR HOMEOWNER INSURANCE DEDUCTIBLE REIMBURSEMENT
We will pay any deductible amount incurred by the Insured for a Loss that is paid under the Insured's primary property or homeowners insurance policy in excess of the deductible amount, if the Primary Residence is damaged by a covered Event as defined in this Certificate/Policy and the Insured is Temporarily Displaced or Permanently Displaced from the Primary Residence. We will not reimburse this benefit for deductibles applicable for Loss to covered property other than real property. Benefit payments are limited to the lesser of:
Coverage applies only when the following conditions are met:
We will not be liable under this coverage for more than the Maximum Payments shown in the Schedule of Benefits.
We will not pay benefits under this Certificate/Policy if the Insured is Temporarily Displaced or Permanently Displaced from his or her Primary Residence by an Event that is the result of:
Trade or Economic Sanctions Limitation
This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit Us from providing insurance, including, but not limited to, the payment of claims. All other terms and conditions of the Policy remain unchanged.
For Disaster Recovery Plans only: For Alabama, Arkansas, California, Colorado, District of Columbia, Delaware, Florida, Georgia, Iowa, Idaho, Kansas, Kentucky, Maryland, Maine, Michigan, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Utah, Virginia, Vermont, Washington, Wisconsin and West Virginia when you enroll under the plan you will receive a written confirmation of coverage. • Coverage will not be effective until the date specified on your certificate.
For Personal Disaster Recovery Plans only: For the states listed here, when you enroll you will received written confirmation of coverage, coverage will not be effective until the date specified on your policy. Arizona, Illinois, Indiana, Louisiana, Minnesota, Ohio, Tennessee, Wyoming,- Form # ZZ-18167 (8/2014), Texas – form # ZZ18167 (TX) (8/2014). New York ZZ-18167 (NY) (8/2014) Notice to New York residents: any person who commits a fraudulent act shall be subject to a civil penalty not to exceed five thousand dollars and the stated value for the claims for each such violation.
This is a brief description of coverage underwritten by ACE American Insurance Company (Philadelphia, PA). Please see your policy or certificate for complete terms and conditions. Coverage is subject to all policy terms and conditions. Products are administered by ACE USA P.O. Box 677, Minneapolis, MN 55440-9532.
ACCEPTANCE OF TERMS
This Web Site is owned and maintained by ACE Group Holdings, Inc. and/or one or more of its affiliates (the "Owner", "we", "us" or "our") within the ACE Group of Insurance and Reinsurance Companies (collectively, the "ACE Group"). The ACE Group is comprised of insurance and reinsurance companies that are licensed or otherwise approved to transact insurance and/or reinsurance business in various countries and jurisdictions around the world. The ACE Group also includes companies that provide services to the insurance industry and other customers.
The information contained in this Web Site Privacy Statement is not for use within any country or jurisdiction or by any persons where such use would constitute a violation of law. If this applies to you, you are not authorized to access or use any of the information on this Web Site.
The ACE Group strongly believes in maintaining the privacy of nonpublic personal information we collect from individuals who visit our web sites. We want you to understand how and why we collect, use and disclose the personal information about you on our web sites. This Web Site Privacy Statement provides information concerning ACE Group's practices and procedures as they relate specifically to information we collect at this Web Site.
PERSONAL INFORMATION WE COLLECT AND USE AT THIS WEB SITE
We do not collect any personal information about you at our web sites unless you choose to provide it to us voluntarily. We define "personal information" as information that is unique to you and might include your phone number, name, age, address or Social Security number. If you encounter a screen or page that requests information you do not want to share with us, do not enter the information and do not proceed with that screen or page.
If you do provide us with personal information, we will use it only for the purposes described where it is collected, and we will not sell, license, transmit or disclose this information outside of the ACE Group unless (1) you expressly authorize us to do so, (2) it is necessary to allow our contractors or agents to provide services for us, (3) in order to provide our products or services to you, (4) it is disclosed to entities that perform marketing services on our behalf or to other entities with whom we have joint marketing agreements, (5) in connection with a merger, consolidation, acquisition, divestiture or other corporate restructuring, or (6) otherwise as we are required or permitted by law.
CONFIDENTIALITY AND SECURITY
We restrict access to personal information collected about you at our web sites to our employees, our affiliates' employees, or others who need to know that information to provide services to you or in the course of conducting our normal business operations. We maintain appropriate administrative, technical and physical safeguards to protect personal information. When you enter sensitive information (such as a credit number or social security number) on our web sites, we encrypt that information using secure socket layer technology (SSL) or similar technology during its transmission to our web site. However, please be advised that electronic communications, including the internet, are not completely secure, and we cannot guarantee the security of your information conveyed in this manner.
YOUR RIGHT TO VERIFY THE ACCURACY OF INFORMATION WE COLLECT
Keeping information accurate and up to date is important to us. An individual may see and correct their personal information that we collect except for information relating to a claim or a criminal or civil proceeding. Contact us at the address provided below if you wish to verify your personal information.
LINKS TO OTHER SITES
USE OF "COOKIES" OR OTHER DATA COLLECTION TOOLS
A cookie is a piece of information that a web server may place on your computer when you visit a web site. Cookies are commonly used by web sites to improve the user experience and have not been known to transmit computer viruses or otherwise harm your computer. Many cookies last only through a single web site session, or visit. Others may have an expiration date, or may remain on your computer until you delete them.
Our cookies will track only your activity relating to your online activity on this web site, and will not track your other Internet activity. Our cookies do not gather personally identifiable information.
You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain of our online products and services or web site features.
You have the opportunity to opt out of future ad-serving cookies, which are cookies that enable certain non-ACE web sites to recognize the user's browser and respond with customized content. The vendors who manage the advertising content on such non-ACE web sites have their own privacy policies and may be members of the Network Advertising Initiative ("NAI"). To remove your browser from some or all NAI member advertising programs, please visit the NAI Opt-Out Page and follow the relevant instructions. Please note that if you delete, block, or otherwise restrict cookies, or if you use a different computer or Internet browser, you may need to renew your opt-out choice.
We may occasionally use other companies to set cookies on our web sites and gather cookie information for us. In some cases we may also use another company to operate web servers for our web site. We use the cookie information gathered by these companies in the same manner as stated above.
In addition to cookies, we may also use other means of passively collecting non-personally identifiable data about your use of our web sites, such as through the use of "clear GIFs" (small pieces of data that may be embedded in images on our web sites that enable us to track your usage of our web sites) and analyzing "click stream" data (the virtual trail you leave behind while browsing the Internet and viewing our web sites). We only use clear GIFs and click stream data to gather anonymous data about your visit to our web sites. Blocking cookies will prevent clear GIFs from tracking your activity, and also prevent us from collecting certain other anonymous unique information, such as your IP address, but the clear GIF will still account for an anonymous visit.
In addition to the information we collect from cookies, from clear GIFs, through the analysis of click stream data and any other means we may employ to collect non-personally identifiable information about you or your visits to our web sites, we may also obtain anonymous information which you provide to us online -- for example, when you use our tools and calculators.
We reserve the right to use and share aggregate and anonymous data (including data aggregated from you and other users of our web sites, tools and calculators) for any purpose and with any third parties, unless prohibited by law.
CHANGES TO OUR WEB SITE PRIVACY STATEMENT
We may change this Web Site Privacy Statement at any time and from time to time. Any amendments or modifications to this Web Site Privacy Statement will become effective immediately upon posting. Your continued use of any of our web sites following the posting of a revised version of this Web Site Privacy Statement will constitute your acceptance of the revised Web Site Privacy Statement. If you do not agree with the revised Web Site Privacy Statement, do not use any of our web sites.
If you wish to verify your personal information, or if you have any questions about this Web Site Privacy Statement or would like to learn more about how we protect your privacy, please write to us at ACE Group Holdings Corporate Communications c/o Web Manager, 1133 Avenue of the Americas, 44th floor, New York, N.Y. 10036.
Last Updated: February, 2013