Latest News…June 28, 2021

The Need to Get in Line…

We refer everyone to the Latest News article from last week found below this posting.

With 321 families back in their homes, and with homes lifted all over the Northeast Corner now…and most importantly with the firm expectation that CFSIC will receive another $100M beginning on July 1, 2022 in four annual installments…the time for you to get into the Participation Agreement line is now.

We will be working closely with existing Active claimants to move them into the PA line or move them out of the program entirely, beginning on July 5, 2021. To be in the PA line is not an absolute promise of funding. It never has been. But with another $100M we are going to be able to get more families funded and their claims paid than we had anticipated at the beginning of the CFSIC program.

One thing follows the other. You can’t get funded without being in the PA line. You can’t get into the PA line if you are an Inactive claimant unless you become Active. You can’t get into the line as an Active claimant without doing what you have to, to get in line.

If you are an Active claimant, you already have a claim number assigned to you. ESIS has an Active claim file on your foundation within our system. We track all claimants (whether Active, Inactive, or Pending) but we are paying very close attention to Active claimants who are not stepping up to the plate to take the final lap with us. These Active claimants must get into the PA line within 180 days from July 5, 2021, or they will be removed from the program as if they had never applied.

We cannot stress enough to Active claimants the importance of taking the final steps you need to, to secure a minimum of two valid construction proposals, sign a final construction contract, and otherwise take the final lap in this race towards the finish line…which is a remediated foundation.

Important News…

With our anticipated new $100 million bond funding commitment, we have important news for our Pending claimants.

With just the Healthy Homes surcharge funds coming in, after the removal of our sunset date, we had expected not to be able to get to Pending claimants until 2025 or 2026 at the earliest.

With an anticipated $35M arriving next summer and for three more years thereafter, we’re going to open our doors to begin helping Pending claimants in 2022… three to four years in advance of when we thought this would be possible. Our starting to work with Pending claimants will begin after July 1, 2022…and not before…with one important exception noted below.

We have a few issues before us that we must fix in order to make certain that by next summer we are ready to work with our Pending claimants.

CFSIC’s Board of Directors and Superintendent all have agreed that we can’t get to any Pending claimants before all existing Active Severity Class 3 and 2 claimants are put in the Participation Agreement line for eventual funding. With our anticipation of new funding next year, we’re going to redouble our efforts now to make sure that we put as many existing Active Severity Class 3 and 2 claimants in the PA line as possible, beginning on July 5, 2021.

With today’s notice, we are announcing changes to our Underwriting and Claims Management Guidelines, which will take effect on July 5, 2021 and which concern only CFSIC Type 1 claimants.

As a summary, here’s how all this is going to work:

First, It’s About Active 3s and 2s

– If you are an existing Active Severity Class 3 or 2 claimant who has not yet gone through the construction proposal and approval process (including a stand-alone home or a condominium association building), in order to clear the way for your movement into the PA line, you will have 180 days beginning from July 5, 2021 to take all the steps necessary to complete the process, including the approval by ESIS of a fully-signed construction contract, enabling ESIS to put you in the Participation Agreement line for eventual funding. If you do not complete that process within the time frame noted above, your claim will be removed from the program.

It’s Also About PUDs

– If you are now an Active Severity Class 3 or 2 claimant who owns a PUD unit on a multiple-unit platform, you should be aware that, if you share that platform with Pending claimants, ESIS staff will be reaching out to those Pending claimants after July 5, offering to assist them in becoming Active (if they can be made Active). Those Pending claimant unit owners will have 180 days, beginning from July 5, 2021, to take the steps necessary to convert their Pending claims to Active status, so that the entire foundation platform can be placed in the PA line. If these Pending claimants do not complete that process within that time frame, they will be removed from the program, and the only option open to any existing Active PUD claimant on a multiple-unit platform with non-compliant Pendings will be to seek remediation for that Active unit without regard to any other claimants on the foundation platform, if that is structurally and socially possible. If that is not possible, those Active claimants will be removed from the program.

– Similarly, if you are now an Active Severity Class 3 or 2 claimant who owns a PUD unit on a multiple-unit PUD platform where other unit owners have no intention of participating in the program as is shown by their refusal to apply, the only remedy open to you will be the possible remediation of individual Active units where applicable. Any current (as of July 5, 2021) Active Severity Class 3 or 2 PUD claimant on a multiple-unit platform, who is not yet in the PA line, where other homeowners on that platform refuse to apply, will have 180 days to get into the PA line or be removed from the program.

Re-Inventing CFSIC One More Time

It is important to point out that there are many existing Severity Class 3 and 2 claimants now in the Participation Agreement line. They are awaiting the funding of their claims. These existing claimants in line for help will take precedence over any Active claimant entering the PA line on or after July 5, 2021, even if that claimant is a Severity Class 3 claimant. Anyone entering the PA line on or after July 5, 2021 will not have their Participation Agreement issued until all existing Active Severity Class 3s and 2s who were in the Participation Agreement line prior to July 5 have had their Participation Agreements issued.

On a one-time basis, beginning at 9:00 AM on July 5, 2021, we are going to adjust our guidelines so that any Active Severity Class 3 or 2 who comes into the Participation Agreement line on or after that date will not have their Participation Agreement issued until all existing Active Severity Class 3s and 2s in the Participation Agreement line prior to July 5 have had their Participation Agreements issued.

Making Inactive Claimants Active

If you are an Inactive Severity Class 3 or 2 claimant on July 5, 2021, you will have 180 days from that date to convert your claim to Active status, and from Active status to do what is necessary to enable ESIS staff to move you into the Participation Agreement line. At the end of 180 days, if this has not happened, you will be removed from the program.

What follows below is a Q&A section to help us all understand these important new changes.

Question: I’m the president of a condo association, and we’ve been busy with our Severity Class 3 buildings. We’ve also got a Severity Class 2 building that’s an Active claim, but where we haven’t gotten around to getting any construction proposals yet. Does this change apply to our association?

Answer: Yes. Your association will have 180 days to work with your assigned adjuster to get fully into the PA line for eventual funding, or your claim will be removed from the program.

Question: Are we talking about the Participation Agreement line or when my claim gets funded?

Answer: We’re talking about the Participation Agreement line. There is always a time gap between getting into the PA line and actually getting a signed PA, which signals the commencement of your funding.

Question: It looks like you’re going to put PUD Pendings in line ahead of all other Pendings?

Answer: Yes. But only for 180 days, and only if there is at least one Active Severity Class 3 or 2 claimant sharing the same foundation platform.

Question: How is that fair?

Answer: It’s fair for a few reasons. First, we’re only going to do it if those Pendings share a foundation platform with one or more existing Active claimants. Secondly, we’re trying to get to stand-alone homes with Pending claims. This is not going to happen for years unless we move quickly to get everybody who is already an Active Severity Class 3 or 2 into the PA line in the next 180 days. Remember something fundamental about what we’re doing: we need to get to “regular” Pendings as quickly as we can after July 1, 2022, and that means getting PUD Pendings who share a foundation platform with Active PUD claimants into the PA line, because they share a platform with Active claimants who cannot otherwise move ahead with their claim.

Question: I have an Inactive Severity Class 2 claim. Does all this apply to me?

Answer: It does. You have 180 days from July 5, 2021 to first make your claim Active and, once your claim is Active, to get it moved into the PA line. If you don’t do this, we’ll remove you from the program.

Question: I’m an Active Severity 3 claimant and had hoped to get another year of property tax abatement before my claim got moved into the PA line.

Answer: If a couple of thousand dollars of property tax abatement is worth more to you than returning the full value of your home to you, then we wish you luck…180 days from July 5, 2021, you will be removed from the program unless you follow through completely with the claim process and get into the PA line.

Question: Sounds like you’re expecting to get to a large number of Severity Class 2 claimants in the PA line this summer…is that correct?

Answer: It is correct.

Question: I’m on a four-unit PUD platform where there are two Active claimants, and I am one of them. The remaining two homeowners have told me they will never apply to the program. Is there any way that CFSIC can help me with this problem?

Answer: No. The Superintendent has met on three occasions with multiple-unit PUD platform owners. There is nothing more that we can do, except encourage you to find a construction solution that will enable you to get your foundation remediated in a way that will isolate the neighbors who will not assist you.

We’re Signing Participation Agreements Again

This past week, with the receipt of almost $10.6 million in Healthy Homes funding, we’ve re-opened our doors to Participation Agreements.

Within an hour of these funds hitting CFSIC’s account, the Superintendent directed that the Participation Agreement process be re-opened. CFSIC staff went back and began with those Severity Class 3 claimants who had been waiting in line since mid-March of 2020.

We will be able to sustain a new flow of Participation Agreements for approximately six weeks, until all these funds are committed to construction and the process comes to a halt again, as we await our next (and last) Connecticut Bond Commission allotment of $20 million, which we hope will be coming to us in July or August.

With that last $20 million, we will be getting to many Severity Class 2 claimants for the first time, which will be a major milestone in our program.

You Can’t Get Too Basic…

We at CFSIC believe that you can’t get too basic. In the May installment of Kevin Miller’s important series of articles on the causes of the crumbling foundations crisis, Kevin discusses how quality concrete is made, the importance of water, and the science behind what happens…when what happens goes wrong.

CFSIC is committed to being the focal point of information about the crisis and, of course, about its causes.

Kevin’s article is important reading, and we recommend it to everyone concerned about the crumbling foundations natural disaster. Read the article. (PDF)

Promoting Concrete Science…

CFSIC’s Board of Directors is committed to the facts about the science of concrete failure. The way forward to more funding and more remediation has always been knowledge about the depth and extent of the crisis.

We’re pleased to publish Kevin Miller’s second in a series of monthly articles…this edition focusing on the science of why concrete foundations fail. There’s also a good glossary of terms that will assist everyone with understanding more about concrete foundation failure.

Click here to read this article (PDF).  CFSIC is committed to spreading the word about why concrete foundations fail.

Victims Need Access to CDBG Funds

CFSIC believes that Congressman Courtney’s continuing position with regard to HUD’s Community Development Block Grant program is the right position. The state of Connecticut has access to CDBG funds. It’s true that these funds are subject to income limitations… but CFSIC’s board believes that any available federal funds that can be used to help homeowners, should be used to help homeowners. It just makes sense. Over the last two years a number of homeowners have withdrawn their CFSIC applications because they cannot raise the money needed to supplement what CFSIC will pay for. In a number of cases, we’re talking about less than $10,000, which the homeowner in question simply doesn’t have. It makes no sense that this is happening. CFSIC encourages our friends at the Department of Housing to revisit ways in which claimants, who have met all of our underwriting criteria, can access needed CDBG funds to get their homes fixed and their lives put back together again.

Spotlight on Ashford

Let’s consider Ashford.

Here are some important facts and figures for those interested in the known extent of the crumbling foundations crisis in this town:

– CFSIC has 33 registered claimants in 27 months.

– Of this number, 7 are Pending claimants.

– CFSIC has recorded 31 Type 1 claimants where severity class codings have been independently verified…21 of these are Severity Class 3.

– CFSIC has paid $1,486,715 in foundation remediation and reimbursement claims.

– Currently, CFSIC carries on its books outstanding claim liabilities for known claimants of $1,199,970. (None of the 7 Pendings are accounted for in these carried and booked liabilities.)

– CFSIC has completed 10 foundations in Ashford for a total value of $1,469,215. (This results in an average replacement value for allowable costs of $146,921, which is approximately $7,000 lower per foundation replacement than CFSIC’s current total replacement average across the entire affected area.) In addition, this is approximately $29,000 below CFSIC’s cap of $175,000…proving again that CFSIC’s cap not only works, but applies in the broadest way to the victims in the entire affected area.

– Estimated value of all Pendings currently registered with us from Ashford is $1,079,652.

– If CFSIC’s sunset date is not moved to a minimum of 2030, at least 80% of our known 7 Pending claimants will be left behind.

CFSIC Promotes Concrete Science

This week we begin a series of articles authored by Kevin Miller, an acknowledged specialist in the science of concrete failure, focusing on the crumbling foundations crisis and providing facts about why the crisis has occurred and what we can all do about it.

You can view Kevin’s first installment here (PDF).

Kevin’s articles will be informative and easy to read, and will shine a bright light on the crumbling foundations natural disaster.

For More Information About Pending Claimants…

View a video designed to help you complete an application.

Learn what a Pending claimant is.


To read a Q&A that will help you understand the Pending claimant process, see below.

Question: I have a verified Severity Class coded 3 foundation, and I just found that out. If I apply, do I get in line right away?

Answer: No. All you can become, once we re-open our doors for applications on December 7, 2020, is a “Pending Claimant” with a Severity Class 3 foundation. You will be joining, when you apply, a list of existing Pending claimants, many of whom are also Severity Class 3. At this point, applying as a Pending claimant does not put you in line for remediation…it only allows you to register the existence of your impaired foundation with us.

Question: Are you saying that, even if I have a completed application and a verified Severity Class code 3 foundation, you will be unable to make my claim “Active” or even “Inactive” on or after December 7, 2020?

Answer: That’s currently correct. You will not be able to become an Active or Inactive claimant until all current Active and Inactive claimants now in line have their claims fully adjusted and their funds committed by CFSIC. You will be a Pending claimant. You may remain a Pending claimant for a very long time. You may never receive any funding, given our current projection of revenue between now and June 30, 2030.

Question: But don’t you know for certain that you’ll be getting one more payment of $20 million sometime after July 1 of 2021 and around $11.6 million to $12.0 million in June of 2021 and every year thereafter through June 30, 2030 (if they change the current sunset date of June 30, 2022)?

Answer: We have every expectation of getting our last $20 million of Bond Commission funding in the summer of ’21, and we believe that we’ll get $11.6M to $12.0M at around the same time for the second installment of Healthy Homes funding. We should get eight more installments of Healthy Homes funds after that, annually, for similar amounts. But we want to be clear…all that funding is currently allotted to Active, and Inactive claimants (who will become Active), with Severity Class 3 and 2 foundations, most probably through the end of 2026 or the beginning of 2027. If at that time we get through the current list of those in line for a Participation Agreement, as well as others who can move into that line, in 2027 we are only going to start to get to between 150 and 200 Pending claimants who were already been in line before December 7, 2020.

Question: So if I apply as a Pending claimant now, do I still get a claim number?

Answer: You do, and that claim number means you are registered in our system.

Question: So that means a claim adjuster will reach out to me?

Answer: No. You will have no contact with a claim adjuster. You won’t have that contact until and unless your claim moves into Inactive or Active status. CFSIC’s adjusters are very busy managing the day-to-day process of existing Active and Inactive claimants as well as all the construction associated with those claims.

Question: Can I file a claim as a Pending claimant and I just file the application, even if I don’t have all my points of evidence?

Answer: You can…and you will still get a claim number…but remember: you will never be able to move beyond that point to Active status, if funds become available, until your application is complete in each and every regard.

Question: So if the sunset date gets moved, you get enough money in June of 2021, and you make my Pending claim an Active claim in, say, 2028, and I am a Severity Class 3, that means I jump ahead of all the existing Active Severity Class 2s that have been in line since January 10, 2019…right?

Answer: No. As of January 13, 2020, we are not going to permit any Severity Class 3 claim originally filed as a Pending claim to jump ahead of an Active Severity Class code 2 already registered with us as an Active claim prior to January 13, 2020. We have many Active Severity Class coded 2 claimants who have been in line since January of 2019, and we have determined that it is fair to issue Participation Agreements first for all existing Active 3s and 2s in our system before any Pending claimant can get in line for a Participation Agreement. This is only fair, given how long people have waited.

Question: But I thought Severity Class coded 3 claimants would always be ahead of everyone else. What has changed?

Answer: CFSIC’s Underwriting and Claims Management Guidelines changed effective January 13, 2020, and that change was published on this site, to require that CFSIC issue Participation Agreements to valid, Active Severity Class 3 and 2 claimants who have been in line since the inception of our program before we move any Pending claimants into Active or even Inactive status…regardless of funding amounts to come.

Question: This sounds very discouraging. I guess I’m wondering why I would bother to register my claim with CFSIC given this outlook for the future.

Answer: The choice to apply, of course, is yours. But there are a few reasons why you might want to do this. First, to the extent more funds are made available legislatively in future, we may be able to get to you and get to you sooner than anticipated. Also, you should be aware that there has been some discussion with the Superintendent’s office and officials of state government about the possibility of accelerating part or all of our anticipated Healthy Homes funding. We have no idea where these discussion are going, as they are in the most preliminary phase. Also, if you are a valid Pending claimant who has registered your claim with us, and you decide later to sell your home, as a Pending claimant validly in our system you can transfer your claim to the person buying your home. This may have some value to you. Lastly, we encourage homeowners to think of the greater good…the more claimants in our system who hold Pending status, the greater likelihood, we think, of making a valid case for increased funding at the state and/or federal level.

Question: I plan to file on December 14 as a Pending reimbursement claimant (Type 2). Do I have to wait for assistance until you start addressing all Pending claimants, or can I get in line for help faster?

Answer: The answer is you will have to wait until we start addressing all Pending claimants as a group.

Learn more about what it means to be a Pending claimant and learn how our system works.

Is Your Claim Still Inactive?

We’re pleased to report that fewer and fewer CFSIC claimants are categorized as Inactive.

Right now, we have a total of 13 Inactive claimants (not counting Pending claimants who cannot be made Active, or even Inactive, for the foreseeable future).

Seven of those Severity Class 3 claimants are Inactive primarily due to incomplete applications; three claimants are awaiting approvals/declinations of their commercial insurance claims; and three are still in litigation.

Among Severity Class 2 claimants, none are in litigation; two are awaiting approvals/declinations of their commercial insurance claims; and one is Inactive because of an administrative issue.

It’s important to point out that these numbers are far fewer than we saw a year ago. It means that claimants are working hard to make their files active, which is the only way, once more funding arrives, for them to get in line for a Participation Agreement.

CFSIC’s 2020 Annual Audit

CFSIC believes that reasonable transparency about all important aspects of our operations is important. This is in keeping not only with our stated mission of service, but also with our federal tax-exempt status as a 501(c)(3). You can find CFSIC’s audited financial report for the period ended June 30, 2020 here. CFSIC was audited by an independent auditor chosen by CFSIC’s board of directors, and where that auditor reports directly to CFSIC’s board with its findings and conclusions. This auditor did in fact report to CFSIC’s board at the recent Annual Meeting of CFSIC. The audit is a qualified opinion. It is qualified because CFSIC books and carries recorded and identified claim liabilities well in excess of its current assets. This is a practice permitted by the Connecticut Insurance Department. With the exception of the qualified opinion for the reason noted above, the auditor’s opinion was clean in all other respects. No internal control deficiencies were noted. 120 randomly selected claims and disbursements were tested for adherence to written policies and procedures. Disbursements were checked and verified.

Transferring Your Claim

All CFSIC claimants (not just active claimants) will be able to transfer their existing inactive or Pending claims to a buyer of their home effective July 13, 2020, retroactive to June 1, 2020. Today, we are publishing on this site the following:

– red-marked changes to CFSIC’s Underwriting and Claims Management Guidelines;

– a new subsection, subsection 20, in the “For Homeowners” section of this site, which will detail how the process will work, inclusive of Q&A;

– a templated Claim Transfer Agreement governing the transfer of a claim in the “For Homeowners” section;

– a new subsection, subsection 11, in the “For Contractors” section of this site, providing claim transfer information for contractors.

What follows is an expanded (expanded from last week) Q&A about this important change.

Question: I’m a Type 1, severity Class 2, inactive claimant. If I sell my home and transfer my claim to the buyer, does that change the status of my claim?

Answer: No. The buyer gets the exact status you had at the moment of transfer.

Question: I’m in line for a Participation Agreement and have been in line for a while. I’ve been told that I may be in the next round of funding at some point after July 1, 2020, but I still plan to sell my house and give up my claim. Does my exact place in line for a Participation Agreement get transferred to the buyer?

Answer: Yes, if the buyer agrees to all terms and conditions of the Claim Transfer Agreement.

Question: Where can I find a sample of the Claim Transfer Agreement on this site?

Answer: View a sample of the Claim Transfer Agreement here (PDF)

Question: I’m a Pending claimant, and I’m aware that, given current anticipated projected funding, I may never get my claim paid unless CFSIC gets more money. If I transfer my claim because I sell my home, will the buyer be taking the same risk I am?

Answer: Absolutely. We may never have enough money to address Pending claimants.

Question: Can I transfer my claim without selling my home?

Answer: No.

Question: Does this apply to condos? Does it apply to PUDs?

Answer: No for condos. (Remember that condo unit owners are technically not our claimants… associations are our claimants, because it is the association that owns the foundation.) It applies to PUDs.

Question: I’m a Type 2 claimant. Does it apply to my claim?

Answer: No.

Question: Once I transfer my Type 1 claim to the buyer, can he or she re-sell the home and transfer the claim again?

Answer: No. The transfer of a claim can occur only once…from one Original Claimant to one Transfer Claimant. It can never be transferred again by the Transfer Claimant.

Question: Will I be able to sell my home first and then transfer the claim at some point after that?

Answer: No. The Claim Transfer Agreement date can only be the same date as the date of the sale of the home or a date prior to the sale. It it’s prior to the date of sale, and for some reason the sale does not go through…then the transfer is voided as if it had never occurred.

Question: OK, but I sold my house in the middle of June…how will the retroactive June 1 date affect me?

Answer: As stated above, on and after July 13, 2020, the date of the Claim Transfer Agreement must be the date of the sale of the home or a date prior to the sale. It cannot, however, be a date prior to June 1, 2020. In your example, you would still qualify.

Question: So are you saying that if I sold my home on May 15, 2020, I’m disqualified?

Answer: Yes, that’s what we’re saying…besides, at the date of sale you ceased to be a CFSIC claimant anyway, and the correct thing to do would have been to notify ESIS of your status so that someone else could have access to your funds. We are grandfathering this process back to June 1 as an accommodation only.

Question: Are you still going to stop the Pending application process on June 30 as previously announced?

Answer: Yes. We have already done so.

Question: I’m a Type 1, severity Class 3 active claimant. So if I transfer my claim to the buyer of my home, what am I really doing?

Answer: Looks like you don’t have a Participation Agreement yet, based on the question. So, what you’re doing is transferring almost every right, obligation, and duty you had for your active claim to the buyer of your home, who then agrees to take over those rights, duties, and obligations.

Question: But I’ve got a signed contract and am in line for a Participation Agreement. What happens if the buyer and the contractor can’t agree on the terms of the original contract or, alternatively, the contractor simply backs out of the arrangement?

Answer: The buyer can seek the required two proposals for construction services from CRCOG-approved contractors to substitute for the original contractor, one of which will eventually substitute for the original contract. CFSIC will keep an active claim “active” for a period of 180 days from the date of the Claim Transfer Agreement in order to allow time for this to happen. If it isn’t accomplished by then, the claim is removed from our system, it is no longer active, and the buyer is no longer in line…and must therefore start the process all over again as if the claim had never transferred. If we are not accepting applications at the time that happens, then the buyer may have to wait for years to reapply, or may never get an opportunity.

Question: Who is responsible for contacting ESIS ProClaim to tell them about the sale of a home?

Answer: Only the original homeowner (Original Claimant). ESIS will not accept communications of any kind from real estate agents or from Transfer Claimants (home buyers) regarding a claim transfer.

Question: Okay…what happens then?

Answer: When you provide ESIS ProClaim with your claim number by phone or email and indicate that you want to transfer your claim to the buyer of your home, they will provide you with a Claim Transfer Data Form to complete. You will send it back to them completed. The Superintendent’s office will then contact you and send you a Claim Transfer Agreement, which will require your signature and that of the buyer, as well as separate witnesses. You will return the fully-executed Claim Transfer Agreement back to the Superintendent’s office. Once this agreement is fully executed and received in the Superintendent’s office, the transfer of the claim can occur, and the permanent records of the claim are changed with regard to who the claimant is.

Question: I’ve already signed a proposal with a contractor. Who is responsible for telling the contractor that I’m selling my home?

Answer: You are. It is not ESIS ProClaim’s responsibility or CFSIC’s responsibility to do this. It also cannot be the real estate agent or the homebuyer. If you want to transfer your claim, you have to do this yourself.

Question: What will CFSIC accept as evidence that the Original Claimant has transferred the home to the Transfer Claimant?

Answer: A copy of the recorded deed.

Question: But I have a CHFA loan agreement that I’ve just entered into. What happens to that?

Answer: You have to address that with CHFA.

Question: My contractor started work on my foundation last week. Can I still transfer my claim?

Answer: No. Once work starts on your foundation, you have to see it through, or you terminate your construction contract. We cannot permit a claim to transfer if even the most preliminary part of the remediation process has begun.

The CHFA Credit Enhancements Program

You should go here to learn more about the CHFA credit enhancements program as it is now constituted. Please note that it currently does not apply to condominiums. CFSIC did not create and is not administering the loan program, and the ESIS claim team cannot advise you in any way about the terms and conditions of any aspect of the program. The link noted in this section will take you to an outline of the program, as well as to a section marked “Frequently Asked Questions.” We also recommend contacting the Homeowner Advocate using the contact information on the Department of Housing website for more assistance.

CFSIC’s 2020 Annual Report

CFSIC’s Annual Report can be viewed here. 


If you have any questions about the operation of the program, ESIS is your best source of information on your claim, and their phone number and email are shown below.

Phone: 844-763-1207


As you work through the information and application process (understanding that we are in suspension for the taking of new applications), here’s how you can get help:

– Call ESIS (the claim adjuster) at: 844-763-1207

– Email ESIS at:

– Email CFSIC at:

To view a video of how to complete an electronic application, go here.

To apply for a Type 1 claim, go here.

To apply for a Type 2 claim, go here.

To learn more about the program, if you are a homeowner, including application help, go here.

To learn more about the program, if you are a contractor, go here.