Website: cemic.com
Phone Number: 847-307-6300
Address: 21805 W Field Pkwy #302, Deer Park, IL 60010
CEM Insurance Company, whose headquarters are in Illinois, has been providing fire insurance and disaster relief programs since 2002 after it broke away from Illinois Insurance Exchange (INEX). To ensure that you receive tailor-made services, CEM Insurance Company executive management and underwriters are well versed with flood and disaster relief programs. Several of them having worked for some of the largest and financially stable insurance companies.
J. Daniel Caskey joined CEM Insurance Company to handle the company’s flood programs. Popularly known as Danny, Caskey joined CEM Insurance Company from Tower Hill Insurance group to bring in nine years of experience to the company. Before joining CEMIC, Caskey served as the Vice President of the National Flood Services, a company that specializes with flood and natural disasters. Under his watch, CEM Insurance Company has introduced a number of innovative changes to the company’s fire policy, extending his expertise to over 5000 insurance agencies.
CEM Insurance Company provides flood insurance for both residential and commercial property. The policy covers structural damage, furnace damage, water heaters, air conditioners, flood debris cleanup, and flood surfaces including tile and carpeting. You may also buy the flood insurance policy that covers your belongings such as, clothes, jewelry, furniture, and artwork.
What Does CEM Insurance Company Flood Insurance Policy Mean for You?
CEMIC’s insurance policy is designed to ensure that you get indemnified for all the losses that the policy had covered you for. Unlike Federal aid, you don’t have to repay anything. As long as the community you live in participates in the National Flood Insurance Program, you can purchase flood insurance from CEMIC. You can find out if your community takes part in the program by visiting the official FEMA link.
How Much Can You Insure?
Homeowners can insure up to $250,000 on the house or property and another $100,000 for your belongings. If you are a tenant, you can insure up to $100,000 of your belongings. Nonresidential owners can insure up to $500,000 of the building and its content. As a general rule, the flood policy does not take effect until after 30 days from the date of purchase.
How Do You File a Natural Disaster Claim With CEM Insurance Company?
According to FEMA.gov, CEM Insurance Company is licensed to underwrite flood insurance in areas such as Texas, West Virginia, Mississippi, Kansas, Illinois, and Arizona. The company’s main point person in case of a natural disaster claim is Christopher DuCharme, the VP operations. He can be reached through cducharmec@ cemic.com or 847-307-6302.
