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How Do I Replace a Lost Document in Illinois?

Close up of a stock certificate, a common Lost Instrument

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A resident in Illinois may need a Lost Instrument Surety Bond to replace a lost or destroyed (example: house fire, tornado, etc.) financial document or instrument. The bond amount varies depending on the value of document, and whether it is an open or fixed penalty bond. The bond protects the issuer from financial loss upon the duplicate/ replacement being issued.

Common Lost Instrument Surety Bond Types:

Fixed Penalty Bonds are used when the value of the instrument remains the same over time.
Open Penalty Bonds are for an instrument that’s value fluctuates.

The most common types of lost instruments are checks, cashier's checks, money orders, and common and preferred stock certificates.

Examples of lost instruments are:

  • Waiver of Probate
  • Unclaimed Property
  • Stock Book
  • Certificate of Deposit
  • Life Insurance Policy
  • Bankbook
  • Other Securities and Financial Instruments

  • Regardless of what type of destroyed, stolen or lost financial document you have, SuretyGroup.com can help guide you through the Lost Instrument process and provide you with the assistance that you need.

    How Much Will This Bond Cost?

    The premium that you pay for an Illinois Lost Instrument Surety Bond varies and will depend on the value of the document and the type of bond needed. Fixed and open penalty bonds start as low as 1.5% for good credit.

    Related Links:

    Illinois Unclaimed Property Search

    More Surety Bond Questions?

    Check out our FAQ page or What’s a Surety Bond? page. Should you need or choose to buy a surety bond, buy from us. SuretyGroup.com has been underwriting surety bonds throughout the U.S. for more than 35 years. When you work with us, you enjoy the unique benefit of dealing with a team of highly experienced surety agents with in-house underwriting authority. This allows you to receive competitive, low rates, quick approvals, and immediate bond delivery. In most cases, your bond will be delivered within 24 hours after you apply for it.


    For a downloadable application