Office of the Insurance Commissioner of Puerto Rico

This information is being provided by the Office of the Insurance Commissioner of Puerto Rico through the National Association of Insurance Commissioners (NAIC) website.

Insurance consumers needing assistance can call this toll-free number:

866-874-4905

Help Line hours: Monday — Friday
8:00 a.m. to 4:30 p.m. Puerto Rico Time (UTC-4),
7:00 a.m. to 3:30 p.m. Central Standard Time (UTC-5).

Office Address:
Oficina del Comisionado de Seguros de Puerto Rico (Office of the Insurance Commissioner of Puerto Rico)
B5 Calle Tabonuco Suite 216
PMB 356
Guaynabo, PR 00968-3029


 

Quick Reference for Consumers

Consumer References

When filing a claim under your property insurance for hurricane damages, do you have the necessary information and documents for it to be processed?

To learn more about insurance you can visit our page: www.ocs.gobierno.pr,  or call our office at 787-304-8686. Authorized by the State Elections Commission – CEE-SA-08-8885.

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Can you make repairs on your home before making the insurance claim?

Consider the following aspects:

To learn more about insurance you can visit our page: www.ocs.gobierno.pr,  or call our office at 787-304-8686. Authorized by the State Elections Commission – CEE-SA-08-8885.

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Do you know how to file an insurance claim after a hurricane or flood?

To learn more about insurance you can visit our page: www.ocs.gobierno.pr,  or call our office at 787-304-8686. Authorized by the State Elections Commission – CEE-SA-08-8885.

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Do you know if your property insurance covers you even if you had to vacate your residence because of the threat of a disaster?

 

Effectively, your insurance covers you, but before you evict your home:

To learn more about insurance you can visit our page: www.ocs.gobierno.pr,  or call our office at 787-304-8686. Authorized by the State Elections Commission – CEE-SA-08-8885.

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Do you know what to do if you want to make changes to your policy to protect your home?

To learn more about insurance you can visit our page: www.ocs.gobierno.pr,  or call our office at 787-304-8686. Authorized by the State Elections Commission – CEE-SA-08-8885.

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Where should you keep the documents related to your insurance policy?

Keep a copy of all important documents related to your residence insurance in a safe deposit box or in a safe place.

These documents include the insurance policy, inventories, and telephone numbers of your authorized representative, producer, and insurer.

You need this information to make your claim, if your property is damaged. As soon as you receive the evacuation notice, take all the documents related to the insurance policy you have kept in your home.

To learn more about insurance you can visit our page: www.ocs.gobierno.pr,  or call our office at 787-304-8686. Authorized by the State Elections Commission – CEE-SA-08-8885.

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Who should claim your insurance?

File your claim directly with the insurer if possible. If this is not possible, you can do so through your producer or authorized representative.

An adjuster will assist you in this process.

The adjuster is a professionally trained person to determine the monetary amount that must be paid for the loss or damage occurred and claimed under an insurance policy.

The insurer will assign you an adjuster to service your claim. This represents the insurer. If you want to hire one that represents you, you must hire a public adjuster.

The public adjuster and the independent, must be licensed by the Office of the Insurance Commissioner for the line of business for which they perform the work.

To learn more about insurance you can visit our page: www.ocs.gobierno.pr,  or call our office at 787-304-8686. Authorized by the State Elections Commission – CEE-SA-08-8885.

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Do you know how long to wait to receive payment for your claim?

The investigation, adjustment and resolution of any claim shall be made in the period of forty-five (45) after having submitted to the insurer all documents that are necessary to dispose of said claim.

The insurer may extend that first period, but such extension may never exceed ninety (90) days from the date the claim was submitted.

To learn more about insurance you can visit our page: www.ocs.gobierno.pr,  or call our office at 787-304-8686. Authorized by the State Elections Commission – CEE-SA-08-8885.

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After the disaster when your property has been damaged:

The NAIC and the Office of the Insurance Commissioner are objective sources of information to help consumers understand the intricacies of insurance coverage.

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What does the Department of Justice recommend to avoid purchasing a previously flooded vehicle? Can I access the National Motor Vehicle Title Information System (NMVTIS) to check a vehicle?

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Consumer Resources:

Information for Finding Loved Ones in Puerto Rico

The American Red Cross Safe and Well website is a free public reunification tool that allows individuals and organizations to register and post messages to search for loved ones, or for individuals to indicate that they are safe. The site is always available, open to the public, and available in English and Spanish.  There are a number of ways to use this service:

FEMA: Hurricane Maria. The Federal Emergency Management Agency (FEMA) has created the following website to provide current resources and information on the federal response to Hurricane Maria.

 

Insure U Disaster Prep

Flood Disaster Prep Guide

Hurricane Disaster Prep Guide

Consumer Alert: Navigating the Claims Process

Consumer Alert: My Insurance Doesn't Cover What?

Consumer Alert: Flooding

Consumer Alert: Preparing for Extreme Weather

Consumer Alert: Disaster Prep

Consumer Alert: Buying a Used Car?

Home Inventory Check List

 


 

Insurer Information

Most recent bulletins from the Office of the Insurance Commissioner of Puerto Rico are available on the Spanish-language version of this site. English translations will be posted here as the translations become available.

Normative Letter Num.:CN-2017-220-D

To all property and casualty insurers authorized to do business in Puerto Rico and to all public and independent adjuster
RE: Method to provide a prompt and fair adjustment of commercial policy claims arising from Hurricane Maria.

Normative Letter Num.: CN-2017-221-D

To all health maintenance organizations and insurers licensed to write health insurance in Puerto Rico, their pharmacy benefits administrators, utilization review organizations and other agents or third-party administrators, and health service providers. Hurricane Maria - premium payments, managemetn of prescription medication coverage out of network providers, preauthorizations, provider referrals and claims, insureds and subscribers.

Normative Letter Num:. CN-2017-222-D

To all insurers authorized to do business in Puerto Rico, their general agents, automobile clubs or associations, contract service providers, fraternal societies and general public.
Premium payment grace period and temporary suspension of cancellation of policies for lack of payment.

Normative Letter Num.: CN-2017-223-D

Special Permit for Independent and Public Emergency Adjusters Procedure During a General Catastrophe
An English translation of the Emergency Adjuster Application form will be posted at a later date, when available.

Normative Letter Num.:CN-2017-225-D

2017 Hurricane Season – Exclusion from Coverage Due to Property Being Unoccupied or Vacant

Normative Letter Num.:CN-2017-226-D

Provisional Process During the Extension of the Effective Term of Motor Vehicle Registrations and Coverage of Compulsory Liability Insurance Due to the Passage of Hurricane María.

Normative Letter Num.:CN-2017-227-D

Amendment to Ruling Letter No. CN-2017-222-D, Grace Period for Payment of Premiums, and Temporary Postponement of Cancelation of Policies for Lack of Payment.

Normative Letter Num.:CN-2017-228-D

To all health services organizations, insurers that write health insurance in the private market in Puerto Rico, general agents, authorized representatives, producers, and the public in general. Guaranteed enrollment period for basic health insurance plans during 2017.

Normative Letter Num.:CN-2017-230-D

To all health services organizations, insurers that write health insurance in the private market in Puerto Rico, general agents, authorized representatives, producers, and the general public. Extension of the guaranteed enrollment period for new subscriptions in basic individual health insurance plans.

Normative Letter Num.:CN-2018-231-D

To all health insurance organizations, authorized insurers, automobile clubs or associations, service contract providers, fraternal insurance societies, general agents, and general public. Repeal of the grace period for the payment of premiums established in ruling letters no. CN-217-221-D, CN-2017-222-D, and CN-2017-227-D.

Normative Letter Num.:CN-2018-232-EX

To all domestic insurers authorized in Puerto Rico to transact property and casualty insurance business. Catastrophe loss insurance reserve.

Circular Letter Num.: CC-2017-1909-AS

To all health maintenance organizations and insurers licensed to write or underwrite health insurance in the private market in Puerto Rico.

Circular Letter Num.: CC-2017-1910-D

To all insurers, health maintenance organizations, producers, authorized representatives, general agents, solicitors, proxys, insurance consultants, insurance adjusters, reinsurance intermediates, and bearers of provisional licenses authorized to do insurance business in Puerto Rico

RE: extension of expiration date of licenses and licensing requirements

Circular Letter Num.: CC-2017-1911-D

To all insurers that are authorized to contract property and hazard insurance, general agents, managers, and adjusters.
Compliance with the provisions of chapter 27 of the insurance code in the investigation and adjustment of claims arising from Hurricane Maria.

Circular Letter Num.: CC-2017-1912-D

To all insurers that participate in the compulsary liability insurance. Extension of the effective term of motor vehicle registrations and coverage of compulsory liability insurance.

Circular Letter Num.: CC-2017-1913-EX

To all insurers that are authorized to contract insurance in Puerto Rico, general agents, managers and surplus lines brokers. Provisional process for the circulation of surplus lines risk during the state of emergency due to Hurricane Maria.

Circular Letter Num.: CC-2017-1914-D

To all insurers or health services organizations that are authorized to transact insurance business in Puerto Rico, rating bodies, automobile clubs or associations, service providers, and licensees in general. Extension of the term of tacit approval of forms and rates for insurance policies or contracts.

Circular Letter Num.: CC-2017-1915-D

To all domestic and foreign insurers; reinsurers; eligible surplus lines insurers; non-profit associations; health services organizations; automobile clubs; general agents; managers; resident authorized representatives and producers; non- resident authorized representatives and producers; surplus lines brokers; licensees; and the public in general
Extension of terms due to Hurricane Maria.

Circular Letter Num.: CC-2017-1916-D

To all property and casualty insurers, public and independent adjusters, producers, and representatives authorized to transact insurance in Puerto Rico. Clarification of the procedure for granting special permits for public and independent emergency adjusters during a general catastrophe to partnerships or corporations and applicants from foreign countries.

Circular Letter Num.: CC-2017-1917 (.xls)

FEMA Insurance Claims Data

Circular Letter Num.: CC-2017-1918-D

To all health insurance organizations or insurers that are authorized to write health insurance in Puerto Rico, pharmacy benefits administrators, review organizations, third-party administrators, and health services providers.

Circular Letter Num.: CC-2017-1919-D

To all insurers authorized to transact property and hazard insurance in Puerto Rico. Report of partial payments or advances on payments of claims make as a consequence of the impact of Hurricane Maria and recoverable amounts under the reinsurance program.

Circular Letter Num.: CC-2017-1920-D

To all insurers authorized to transact property and hazard insurance in Puerto Rico, public and independent adjusters, producers, and authorized representatives. Scope of the category B1 business visitor visas.

Circular Letter Num.: CC-2017-1921-D

To all domestic insurers, foreign insurers, international insurers, reinsurers, eligible surplus lines insurers, service contract providers, health services organizations, automobile clubs, general agents, managers, producers, resident and non-resident authorized representatives, surplus lines brokers, and all other licensees. Christmas recess.

Form: OCS-EX-2017-1913-001

Provisional Process for Surplus Lines Risk Circulation

 


      Links of Interest

Asociación de Mujeres Profesionales de Seguros (AMPS) www.ampspr.org
Asociación de Supervisores de Seguros de América Latina (ASSAL) www.assalweb.or
National Association of Insurance Commissioners (NAIC) www.naic.org
Insurance Information Institute www.iii.org
Insure U www.insureuonline.org
La Fortaleza www.fortaleza.gobierno.pr
Portal Oficial del Estado Libre Asociado de Puerto Rico www.pr.gov
Puerto Rico Trabaja www.puertoricotrabaja.com
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