1. Introduction

These Terms & Conditions (“Terms”) govern your relationship with Farmers Mutual Fire Insurance Company of Washington County (“we,” “us,” or “our”) in connection with your insurance policies, applications, services, website use (if applicable), and any related transactions. By purchasing, renewing, or maintaining a policy with us, you agree to these Terms.

2. Definitions

In these Terms:

  • “Policy” means the insurance contract issued by us to you, including endorsements, riders, schedules and amendments.
  • “Insured,” “you” or “your” means the person or entity named in the Policy and any other person or entity entitled to coverage under the Policy.
  • “Premium” means the payment required by us from you for the insurance coverage.
  • “Claim” means a request by you or an insured for payment of a loss or benefit under the Policy.
  • “Loss,” “damage” or “covered loss” means the event, occurrence or condition described in your Policy for which coverage is provided.
  • Other capitalized terms have the meanings set forth in your Policy.

3. Entire Agreement

Your Policy (including these Terms and any endorsements or amendments) constitutes the entire agreement between you and us relating to the subject matter. No agent, broker or representative has authority to change the Policy or these Terms except by written endorsement signed by an officer of ours.

4. Policy Period, Territory & Renewal

  • The coverage applies only for the period specified in your Policy (the “Policy Period”).
  • The territory covered is as described in your Policy.
  • Renewal is subject to our underwriting guidelines, your eligibility, premium payment, and any changes in risk or conditions. We may decline to renew or may adjust terms or premium at renewal as permitted under Tennessee law.

5. Premiums & Payment

  • You must pay the Premium in the amount and manner specified in the Policy or as agreed. Failure to pay may subject the Policy to cancellation or non-renewal in accordance with its terms and applicable Tennessee law.
  • If your Policy allows installment payments, you may owe additional fees or charges for installments as described in your Policy or billing schedule.
  • We may offset any unpaid Premiums, fees or amounts due against any return premium or refund to which you might otherwise be entitled.

6. Duties of the Insured

You agree to the following obligations:

  • Provide true, complete and accurate information when applying for a Policy, submitting endorsements, or filing a claim.
  • Notify us as soon as possible of any event that may give rise to a claim, and cooperate fully in the investigation, settlement or defense of any claim.
  • Comply with any loss-control or risk-mitigation obligations required under your Policy (e.g., maintain property, protect against further damage, authorize inspections).
  • Permit us to inspect property, records or other relevant items as provided in the Policy.
  • If applicable, you shall secure and maintain all applicable licenses, permits or approvals related to the insured risk.

7. Coverage, Exclusions & Limitations

  • Coverage is provided only as described in your Policy contract, subject to its terms, conditions, exclusions, limits and endorsements.
  • We are not liable for any loss or damage that is expressly excluded, or that arises from a risk not covered by your Policy.
  • Any limitations of liability or obligations stated in the Policy apply.

8. Claims Handling

  • Upon receipt of a claim, we will process it in accordance with the applicable Policy, regulatory requirements, and our internal claims handling procedures. Under Tennessee law you may be entitled to certain timeframes for claim handling.
  • You must provide all documentation, proof of loss, and cooperation we reasonably request.
  • We reserve the right to recover from you any amounts improperly paid or due to fraud, misrepresentation or other breach of the Policy terms.

9. Cancellation, Non-Renewal & Changes

  • Your Policy may be canceled by you or by us in accordance with its terms and applicable Tennessee statutes and regulations. For example, changes in terms or conditions by an insurer may require notice. Justia+1
  • If you cancel your Policy before its expiration, any return premium will be determined as provided in the Policy or applicable law.
  • We may amend or endorse your Policy to change coverages, limits, terms or conditions—provided notice is given as required by law.

10. Misrepresentation & Fraud

  • If you misrepresent or conceal any material fact in applying for the Policy, during its term, or in making a claim, we may have the right to rescind the Policy, deny a claim or cancel or void coverage in accordance with the Policy terms and Tennessee law.

11. Subrogation & Recovery

  • If we pay a claim under the Policy and you have rights to recover from another, we may assume your rights of recovery (subrogation) to the extent of our payment. You must assist us in preserving those rights.

12. Limitation of Liability

  • Except as otherwise required by law or your Policy, our liability under the Policy shall not exceed the limits of coverage stated in the Policy.
  • We, our agents, brokers, or representatives will not be liable for indirect, incidental or consequential damages arising out of or in connection with your Policy, claims or coverage, except to the extent prohibited by applicable law.

13. Governing Law & Jurisdiction

  • The Policy and these Terms shall be governed by and construed in accordance with the laws of the State of Tennessee.
  • Any legal action relating to the Policy must be brought in a court of competent jurisdiction in the State of Tennessee, unless otherwise specified in the Policy.

14. Amendments

  • We reserve the right to amend these Terms or any Policy form, subject to regulatory approval and notice requirements under Tennessee law.
  • In the event of a material change to these Terms, we will provide notice as required or applicable.

15. Notices

  • Any notice required by the Policy or these Terms shall be in writing and delivered: (i) via certified mail to the last known address of the policyholder; (ii) electronically if permitted under the Policy and law; or (iii) otherwise as provided in the Policy.
  • Proof of mailing or electronic transmission constitutes proof of notice.

16. Severability

  • If any provision of these Terms is invalid, illegal or unenforceable under applicable law, the remaining provisions shall remain in full force and effect.

17. Assignment

  • The Policy and your rights under it may not be assigned without our written consent, except as specifically provided in the Policy or permitted by law.

18. Contact Information

  • If you have questions about your Policy or these Terms, you may contact:

Farmers Mutual Fire Insurance Company of Washington County
125 E. Jackson Blvd Suite 4 Jonesborough, TN 37659

(423) 753-2891

 

Acknowledgement: By maintaining or renewing your insurance policy with us, you acknowledge that you have read, understood and agreed to these Terms & Conditions.