Comments on: What To Do If Your Homeowners Insurance Is Cancelled

By: Anonymous

Anonymous — Sat, 19 Nov 2011 03:15:28 +0000

Thats the big question now isn't it. Your damned if you do, and your damned if you don't. Insurance is such a scam..> One second your a paying client, and the next second your dropped and treated like you have some contagious disease..

By: Anonymous

Anonymous — Sat, 19 Nov 2011 03:02:48 +0000

I have a similar beef with insurance. I purchased an older home on an acreage in Alberta, Canada. Purcgased home insurance with a well known insurance company that serves this Province. Anyhow, I recently sent in a claim regarding a leaky roof. An adjuster was sent out to have a look and said my shingles were in poor condition and required maintenance. Later that month I receive a cancellation notice from my insurance telling me that due to their underwriting policy they can no longer insure my home. WTF ! Glad to know that I paid their premiums for 2 years and when I put forth a claim they find a way to side step and walk away with little to no skin off their ass. My beef is if my roof was in such dir-repair why did they approve me for home insurance in the first place? Sounds fishy to me…

By: craig

craig — Thu, 13 Oct 2011 19:54:43 +0000

Oh, my mortgage company pays my insurance so I have never been late!!

By: craig shipaila

craig shipaila — Thu, 13 Oct 2011 19:53:53 +0000

I've had citizen insurance for 20 years, 2 claims in 2 years for lightning, (my understanding is 3 claims 3 years, but not due to weather), and one this year for food in my fridge was bad due to power outage through the city. my agent I have know for 20 plus years and you think he would have said something when i claimed the fridge stuff.. hell no… so due to that and wood rot on garage, (wood garage door) missing some siding, (replaced windows and had to cut aluminum siding back to get new windows to fit, put wood up around and sealed them) they are cancelling me I have until end of the month, and its not looking good..
Insurance companies can do whatever they want and get away with it.. what a crock of shit!

By: B thompson

B thompson — Thu, 06 Oct 2011 04:26:52 +0000

Need to find a insurance company,Homeowner ins. was cancelled because of late paymen,after cancel date..

By: Loy Hall

Loy Hall — Wed, 05 Oct 2011 03:36:51 +0000

I had a claim in 2008 and now one in 2011 for a new roof due to hail damage. Now they say that my insurance is no renewable in Dec. I have never heard of this and I'm also stressed out. Finding a Insurance co. to insure my home has not been easy.
My house is only 5 year old..
And I agree why don't they tell us this when we file a claim…No they send me the check for my roof and a day later they send the letter saying my insurance can't be renewed in Dec. How sweet.
What is a home owne to do?

By: Jeff

Jeff — Sat, 17 Sep 2011 06:13:56 +0000

You guy's best bet is Foremost Insurance. It's not the greatest by any means but it will provide coverage until you are able to be underwritten by one of the premium companies. All of them are being very picky right now. No more then 1 claim every 3 years in most states. I would recommend a minimum of a $1000 1% deductible on all policies (or $1500 on wind/hail) then if damage occurs have a couple of licensed roofers etc…inspect and estimate repair, then I would consider not filing a claim if it's an affordable price. The biggest mistakes I have seen so far since I have been in this business is people don't have a good live agent. They quote everything based on price with little regard for actual coverage, and tips like above. Remember insurance is primarily built for catastrophic loss. Get quotes for such events. Also remember you always want replacement cost on personal property, you always want sewer/drain backup coverage. Lot's of agents don't even offer it. Find one that has an idea what the heck he is selling and you should be in good shape. All of the above don't cost hardly anything as well.

By: Jeff

Jeff — Sat, 17 Sep 2011 06:04:55 +0000

Your best bet is probably Foremost Insurance, contact your local Farmers agent for this type of quote. With that many claims you will have good credit. Not sure how new your home has to be in your state for them to approve it though.

By: Cymry_Girl

Cymry_Girl — Thu, 18 Aug 2011 20:46:57 +0000

Just got a non-renewal notice from Farm Bureau and the reasons are condition of the dwelling (outside, I guess, they never came inside) and condition of the premises. Of course, I didn't see the notice until nearly 5:00, when they close, but I did get the office receptionist on the phone when I called and she said she'd give the message to our agent. I do know the siding needs to be power-washed (green stuff growing on it) and very likely the "premises" part of it has to do with DH's "shop" which is really part of an old chicken house and in need of repair. Does anyone know whether they will change the non-renewal to renewal if we can fix the problems in a specified length of time?

By: Christy

Christy — Mon, 18 Jul 2011 18:34:52 +0000

Is it bad luck or what. Moved into a home almost 5 years ago and the house next door caught on fire and melted our siding which was a 5,000 claim. Then last july while we were on vacation and we came back to our home with ceilings in the floor from our toilet upstairs. 40,000….. the house was not liveable!!!!! Then finally when we moved back in we where in one of the storms that came through alabama and it done damage to our roof another 5,000 claim. Now don't have insurance and can't find any insurance that we can afford. Gonna lose our house over this. What do I do? Feel like giving up and just get an apartment and live off the government. Life would be easier…..Frustrated!!!!

By: Audrey

Audrey — Thu, 07 Jul 2011 12:33:49 +0000

No one seems to have an answer for these good people who thought if they just follow the rules the system will work for them. What they get for their efforts is a kick down the stairs- and a very desperate situation. Not to get political about it, but the shoe fits- the country is run by greed. These insurance companies and other big corporations are now dictators, with the power to ruin peoples lives.

By: kimberley

kimberley — Wed, 29 Jun 2011 23:06:17 +0000

nothing on here helps me with finding insurance when its been cancelled for non payment

By: maryann

maryann — Sat, 07 May 2011 21:56:13 +0000

I have been with State Farm for 44 year. Yep 44 years. I have had four small claims since 2000 and received notice that I was being cancelled. Where do I go to get insurance for the house? Help.

Desperate in California. Do not insure with State Farm guys. They do not care about longevity at all.

By: Chiomze

Chiomze — Sat, 07 May 2011 21:16:00 +0000

I purchased a house that was built in 1960, the only insurance in Florida that will cover an old house is citizen. After 5 years with this company, I received a letter that they will not renew my insurance because they do not have information on how old my roof is. Recently it has been on the news that the government was cancelling Citizen because they don't have enough money to cover insurance. I think I am part of the scape goats, at this point we do not have any insurance to go to. I do not know how to handle this situation any advice will be appreciated.

By: Jeffrey

Jeffrey — Fri, 11 Feb 2011 02:49:25 +0000

Which insurance companies offer reasonable pricing for high risk homeowners (multiple claims +5 in three years) insurance in California, anyone familiar??

By: erina

erina — Sat, 08 Jan 2011 01:12:22 +0000

We had one claim last year with State Farm of IL, no we received non-renewal notice. What should we do?

By: Maria

Maria — Wed, 29 Dec 2010 19:13:10 +0000

Where do I get home insurance if I was not renewed. We have 3 claims for the past five years. Our Insurance company won't renew us.

By: Brad Wheeler

Brad Wheeler — Sat, 04 Dec 2010 03:36:34 +0000

Today our agent let me know that we will not be renewed due to two burglary claims within five weeks. We had not installed the alarm because of a few issues with the alarm guy. We now have the alarm and will have to pay $800 per year more for coverage. We got robbed by the thugs now the underwriters. Alabama needs to have stiff penalties for insurance companies who don't require their agents call clients after filing every claim to advise of the need not to file claims unless the losses are catastrophic in nature.

By: pam z

pam z — Tue, 23 Nov 2010 20:54:03 +0000

what company will give me home oners insurance since i have a non renewal due to claims.

By: Deborah Datts

Deborah Datts — Mon, 15 Nov 2010 01:20:38 +0000

Our dog grabbed the mail carriers leg last year. She was not bitten, only scratched. She went to a lawyer and said she was viciously attacked and severely injured. She went to the hospital and was back to work within an hour. Our homeowner,s insurance has not paid any money because all she had was a hospital bill and no stitches. Mean while, 14 months later we wree cancelled and no one will insure us. What can we do? we are srenior citizens and can't afford high insurance. We live in N.J.

By: Joe

Joe — Mon, 08 Nov 2010 01:22:07 +0000

I just cancelled my homeowners insurance policy, and went with another more reasonable homeowners policy, on my second home. The HOA (for my second home) called me and told me that most of the homes in my subdivision, the roofs had major ice/wind/hail damage, just a few weeks, and I just found out, now. At the time of this storm, I was covered with my previous insurance., but now I have a new homeowners policy. Can I still file a claim with my previous insurance, if in fact I do have roof damage?

By: sherry

sherry — Sat, 30 Oct 2010 10:01:21 +0000

I have been canceled three times since I did a mortgage modification in April 2010 I had my previous insurance before the modification for 6 years and as soon as the paperwork went through they canceled it. I have tried two other companies since then each canceled for reasons of ill repair. I am tired of this we have done major repairs and the last company is trying to cancel due to chipped paint. The electrical and plumbing as well as interior has been redone this summer and we just did the roof though it was not that bad. Can they do this? I think even though they claim it is the paint (which we told them is being done) is the reason, That they are doing it because of the modification of the loan and the low income of the area. This is one of the best homes on the block btw.

By: Anna

Anna — Tue, 28 Sep 2010 20:00:03 +0000

That is not legal insofar as the mortgage lender goes if you have an escrow. Anytime you have a price increase or late fee imposed because the lender paid your escrow item late, the lender has to eat the difference under just about every state law. In this case, the lender would owe your the difference between the old premium and the new premium, but only averaged out for the number of months left on the policy that was canceled.

By: Nicole

Nicole — Sat, 10 Jul 2010 07:48:19 +0000

Som what finally happened? Im in the same situation in MD. Insurance is a rip off.

By: Monica

Monica — Sun, 09 May 2010 00:25:35 +0000

I had to change insurance on our home after our policy was cancelled due to nonpayment after our morgage company paid our premium too late. The new policy was of course more expensive and was started in Feb 2010 now its May and the insurance company sent me a letter of cancellation stating "underwritting reasons." Is that even legal? I thought they only had 60 days to decide not to insure a property. So, now I have to figure out why they are cancelling and try to find another company to insure our house which of course will cost even more than last time, this is ridiculous.