Lititz Mutual Insurance Company understands that identity fraud could happen to you. It is a fast growing crime. To help protect you, we are offering Identity Fraud Expense Coverage as an optional coverage for our Homeowner policyholders.

Identity Fraud means to wrongfully use the identification of another person to commit or assist in the commission of a crime. If you add Identity Fraud Expense Coverage to your policy and you discover that your identity has been fraudulently used - all you need to do is call us. We will provide expert assistance to you in the restoration of your identity and reimburse you for the expenses you incur to restore your identity.

Identity Fraud expenses may include:

• Costs to notarize affidavits or documents
• Costs for certified mail and long distance telephone calls
• Lost income from time taken to complete documents or to talk to law enforcement or credit agencies or legal counsel
• Loan application fees
• Reasonable attorney fees to defend law suits, remove any wrongly entered civil judgements and challenges to the accuracy of credit reports as a result of the identity fraud.

Please contact your Lititz Mutual agent regarding adding Identity Fraud Expense Coverage to your policy.

Your Independent Insurance Agent

Lititz Mutual policies are written by Independent Insurance Agents. Independent Agents have the freedom and expertise to choose from a variety of insurance providers. They work with you to choose a plan and an insurance company that best serves your needs. If you have any questions concerning your policy, your Independent Agent is your best source of information.

Protect Yourself

Remember to protect your identity at all times - on the phone, at home, and on-line. Unless you have initiated the contract, never release personal information, including your Social Security Number.

If you suspect identity fraud, you should:

• Contact the Fraud Department of one of the major credit bureaus and request that a "Fraud Alert" be placed in your file.

Equifax Fraud Division - 800-525-6285
Experian Fraud Division - 888-397-3742
Trans Union Fraud Division - 800-680-7289

• Call your local police department and file an incident report. Request a copy of the report
• If you have purchased the Lititz Mutual Identity Fraud Expense Coverage Endorsement, immediately call our Claims Department at 1-800-626-4751 to report the incident. We will assign a case manager who specializes in the restoration of your credit and management of your fraud expenses.