Identity Recovery Insurance

Identity theft is a growing problem. If your identity is stolen, although you may not be liable for improper charges made to your accounts, correcting your credit and other records may take a long time and a lot of effort.

Civil Service Employees Insurance and the CSE Safeguard Insurance Company will now help you recover your identity. We offer Identity Recovery Coverage for all Homeowners policies.

Identity Recovery Coverage helps reimburse victims of identity theft for the expenses incurred to correct identity records and credit history.

Here are highlights of the program:

Identity Recovery Counselors will:

• Help initiate your identity theft claim;
• Recommend steps to take;
• Send you an Identity Recovery Customer Guide;
• Help get you on the road to identity recovery.

If you want personal help, Experienced Case Managers will:

• Work with credit bureaus, creditors, financial institutions, and others to identify errors, and help you correct your records;
• Enroll you in an electronic credit monitoring service;
• Request a fraud alert with credit bureaus where warranted;
• Prepare communications for you to send to the Social Security Administration, Department of Motor Vehicles, and other governmental agencies;
• Provide legal referrals for assistance with court appearances and legal entanglements;
• Work with you to check for recurrence of identity theft problems;
• Keep detailed records of the steps taken and still remaining in the recovery process.
  Identity Recovery Coverage reimburses you up to $15,000 above a $250 deductible for covered expenses to repair your credit record.

Covered expenses include:

• Wages lost as a result of time away from work;
• Credit bureau reports;
• Fees for reapplying for loans declined due to falsified credit information;
• Postage, phone and shipping fees;
• Certain legal fees caused by identity theft;
• Notary and filing fees.

This extra coverage is available at no cost to all policies with the Homeguard Deluxe Endorsement or Safeguard Plus Endorsement. For others, the cost of this coverage is just $15.00 per year.

Be sure to contact your local CSE agent for all the details.