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Foster Home Insurance Program
To learn more about the Foster Home Insurance Program, information is provided on the following topics:
What is this Liability Insurance
Who is Eligible?
What kinds of damage or loss are covered?
This program is designed to cover injury or damage caused by the foster child to foster parents that is not covered by private insurance policies. In some cases, private insurers will not cover damage or loss. In addition, this program may cover injury or damage caused by foster parents to the foster child or for acts by foster parents for which they are sued by the child's parent. The state Foster Parent Insurance Program does not cover third party claims, unless the foster parent is sued by the third party.
It is recommended that all valuables such as jewelry, cash, keys, antiques and vehicles be safeguarded or protected from loss or theft.
If the foster child suffered the damage or loss, the claim must be filed within 90 days after the foster parents learn that a legal action has been commenced against them.
Regardless of any other circumstances (e.g., waiting to hear from private insurers, the child going to court for a possible restitution order), the foster parents should file a claim with the social worker as soon as possible after the damage or loss occurs or is discovered. If restitution is granted by the court, the Department of Children and Families (DCF) shall be notified and restitution monies must be returned up to the amount of the paid claim.
How do I file a claim?
The foster care agency will complete another form (form DCF-F-CFS0117) and may request additional information and/or permission to view the damage. The agency will then forward all of the materials to the Department of Children and Families for review. The DCF-F-CFS2198, Foster Parent Insurance Program Checklist, will give additional information on filing the claim. Your worker or placing agency will need to determine the IV-E federal eligibility of the child.
What information should I submit with the
You will also need to submit proof that your private insurance will not cover any of the damages or loss by sending a current copy of a letter from your insurance agent.
In addition, the Department is only able to reimburse foster parents for parts or section of a set of items. For example, if a couch is damaged beyond repair and it is part of a set of a love seat and chairs, we are only able to reimburse for the couch that is damaged.
Is there a deductible?
If your claim is for less than $100, you should file it with your agency in case you have another claim within the same fiscal year. For example, if you have a claim in August for $50 and another in January for $150, the $100 would be deducted from the total of both claims.
How long before I receive my claim check?
If your claim is incomplete or does not include adequate documentation, the processing time will be increased.
For each quarter, if the total claims exceed the state budget of $15,000, plus applicable federal funds, the reimbursement will be prorated. If any funds are left at the end of the state fiscal year, these funds will be prorated to parents not receiving full reimbursement.
Last Revised: August 07, 2015