Frequently Asked Questions

  1. What is this action about?
  2. What is lender-placed insurance?
  3. Why did I get the Notice and Claim Form?
  4. Who is eligible to file a claim in this administration?
  5. How much will an eligible claimant receive?
  6. When were personalized Claim Forms mailed out?
  7. What is a Certificate Number, which is pre-printed on personalized Claim Forms and which needs to be filled in on blank Claim Forms?
  8. What is the Total Premium Paid, which is printed on personalized Claim Forms?
  9. What is the Estimated Maximum Benefit, which is printed on personalized Claim Forms?
  10. May I receive less than the Estimated Maximum Benefit?
  11. What is the deadline for filing a claim?
  12. Do I give up any rights if I file a claim and receive a payment?
  13. What will happen if I do nothing?
  14. How do I get more information?
  15. What is GCG?





1. What is this action about?

American Modern Insurance Group and its related companies (“AMIG”) conducted a review of its lender-placed insurance policies at the request of its state insurance regulators. AMIG reviewed policies and the transactions issued under these policies that became effective between January 1, 2009 and March 31, 2013. Where appropriate, AMIG has agreed to provide certain borrowers with an opportunity to submit a claim for payment up to their Estimated Maximum Benefit.

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2. What is lender-placed insurance?

Lender-placed insurance is insurance taken out by a bank, lender or mortgage servicer when the insurance required by the terms of the loan is not maintained. This can occur if the borrower’s insurance policy lapses or if the bank, lender or mortgage servicer determines that there is not a sufficient amount of coverage.

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3. Why did I get the Notice and Claim Form?

You received a Notice and Claim Form (“Claim Form”) because during our review we determined that your property was covered by a Certificate issued under a lender-placed insurance policy issued by AMIG that was effective between January 1, 2009 and March 31, 2013.

The insurance policy that was issued by AMIG could have been issued by any of the following AMIG entities: 1) American Modern Home Insurance Company (in CA d/b/a American Modern Insurance Company); 2) American Modern Select Insurance Company; 3) American Family Home Insurance Company (in CA d/b/a AFH Insurance Company); 4) American Southern Home Insurance Company; or 5) American Western Home Insurance Company.

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4. Who is eligible to file a claim in this administration?

To participate in the AMIG Claims Administration, you must have had property that was covered by a Certificate issued under a lender-placed insurance policy issued by AMIG during the period between January 1, 2009 and March 31, 2013. In addition, the review conducted by AMIG must have determined that your lender may have been charged a premium above the approved and/or filed rate for insurance your lender purchased covering your property. If AMIG’s review indicated you are eligible to file a claim you should have received a personalized Notice and Claim Form.

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5. How much will an eligible claimant receive?

Eligible claimants may be eligible to receive payment up to the Estimated Maximum Benefit; the amount of your Estimated Maximum Benefit was printed on your personalized Claim Form.

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6. When were personalized Claim Forms mailed out?

Personalized Claim Forms were mailed to borrowers on June 30, 2014.

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7. What is a Certificate Number, which is pre-printed on personalized Claim Forms and which needs to be filled in on blank Claim Forms?

The Certificate Number is the policy number for the lender-placed insurance policy issued by AMIG.

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8. What is the Total Premium Paid, which is printed on personalized Claim Forms?

The Total Premium Paid is the total amount of premiums paid to AMIG by your lender or loan servicer in connection with the Certificate(s).

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9. What is the Estimated Maximum Benefit, which is printed on personalized Claim Forms?

The Estimated Maximum Benefit is the most you would be eligible to receive after you file a claim and no other claim or information was submitted on the Certificate(s).

The Estimated Maximum Benefit does not include interest that would be payable on any claim or portion of the claim that may be approved.

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10. May I receive less than the Estimated Maximum Benefit?

Yes, the Estimated Maximum Benefit is the MOST you would be eligible to receive if you submit a claim. For any claim you submit, the Administrator will review your claim and any claim(s) that may be filed on the same Certificate(s) by others, as well as any additional information received in the process, in order to make a determination. Claim determinations will involve consideration of any information received with respect to the Certificate(s).

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11. What is the deadline for filing a claim?

The deadline for filing a claim has passed.

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12. Do I give up any rights if I file a claim and receive a payment?

By participating in this process and receiving a payment, you will be asked to give up (waive) certain legal rights in the event an amount, as determined by AMIG, is paid to you. These rights are important and include the ability to pursue legal action. Before you decide to give up any of your rights, you may wish to consult an attorney.

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13. What will happen if I do nothing?

If a completed Claim Form is not submitted and received prior to the deadline, you will not receive any payments.

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14. How do I get more information?

You can:

  1. Continue to visit this website for periodic updates;
  2. Email your questions to: info@AMIGClaimsAdministration.com;
  3. Call the toll-free helpline at 1-866-821-8386; or
  4. Write to: AMIG Claims Administration, c/o GCG, PO Box 10061, Dublin, OH, 43017-6661.

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15. What is GCG?

The Garden City Group, Inc. is an administration company that has provided comprehensive legal administration services for nearly three decades. The Garden City Group, Inc. has been retained to act as the Administrator in this matter.

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