Claim Reporting Procedures for Foster Care Families
When your foster child(ren)have been involved in an incident resulting in property damage or bodily injury to others.
Foster care families may face situations in which the foster child has caused property damage or bodily injury to another party. The damages from such a situation may or may not be covered by the foster parents’ home-owners or auto insurance. Therefore, the State of Nebraska provides excess insurance that may cover some or all of the damages in certain situations.
The insurance coverage provided by the State is in excess to your own home-owners and auto insurance. It is important that insurance claims relating to an incident involving foster children be investigated as quickly as possible. This is because most likely both your insurance company and the State will investigate your claim. These investigations determine whether coverage is provided for the incident.
You, the foster parents, begin the process by first notifying your auto or home-owners insurer and your case manager. You may be asked to file a claim with your insurer. Your insurer will then notify you whether they will pay your claim. If your insurer denies the claim or you seek reimbursement for any deductible paid, you may then file a claim with the State of Nebraska.
In order to file a claim with the State, please complete a found on the Department of Administrative Services, Risk Management website, and send/email/fax it with a copy of the communication from your insurer to:
Department of Administrative Services-Risk Management contracts with the Nebraska Risk Management Association (NRMA) to investigate our property and casualty claims, including foster parent claims.
You will be contacted by an adjuster from NRMA regarding your claim. You may be asked for additional information regarding the claim. You are required to cooperate with the investigation.
It is important that you notify your case manager of the incident resulting in your claim both at the time of the incident and when filing your claim. It is also important that you keep copies of all documents and correspondence sent to your insurer and to the NRMA.
PLEASE NOTE: AT THE TIME OF YOUR FILING A CLAIM WITH YOUR INSURER, IT IS RECOMMENDED THAT YOU FILE A COMPLETED FOSTER PARENT CLAIM FORM WITH RISK MANAGEMENT. THIS WILL AID IN EXPEDITING ANY CLAIM YOU MAY MAKE AGAINST THE STATE. ALSO, YOU MAY BE ASKED TO COMPLETE A “CLAIM FOR INJURY OR DAMAGE FORM” IN ORDER TO PROCESS YOUR CLAIM.