Insurance Cancelled!

[Anonymous]

Anonymous wrote:

Anonymous wrote:I will never forgive a certain company (USAA) for Scr#wing me over regarding home insurance. OP please name and shame the company.

USAA still tries to contact me and sell me things and it is a firm NO every time.

Travelers was an absolute nightmare to deal with on a large insurance claim. Stay away, stay away, stay away.

+1000

My family had Travelers and won't use them again for that reason! Pure crooks.

[Anonymous]

Are you located in a flood prone area? I am suspicious too of the true reason.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:how old is your roof?

It probably has 2-3 years before it needs to be replaced. But is it normal for insurance provider to just outright cancel without prior notice or opportunity to replace roof?

Yes, it’s normal

Please expound upon this. Homeowner for 40 years and I’ve never heard of this.

Your ignorance doesn’t negate the truth.

Insurers are dropping policy holders for all sorts of reasons these days. Look at Florida.

FL and CA are exceptions. Which other states is this happening?

- dp

new poster. happened to me about 5 years ago in northern virginia. purchased a house and obtained homeowners insurance. a few days after closing, we got a letter from geico saying that we needed to replace the roof within 5 weeks or they would drop us. they had sent somebody out to inspect the property, he stood at the curb (a pretty far distance from the actual house) and took pictures of the property, and the underwriters used those pictures to make their decision. i was told there was no way to appeal the decision. the roof was 9 years old, and our home inspector and multiple roofers inspected and told us it was in good condition and did not need to be replaced.
we found new insurance, but the whole thing was pretty stressful. i have since heard (from an independent insurance agent) that it is not uncommon for insurance companies to drop people over anything less than a new roof.

[Anonymous]

Anonymous wrote:How does the insurance company know how old a roof is? Just by visual inspection? The roof was on my house when we bought it an nowhere in any paperwork was an age listed that I recall. I asked the seller so I know it was 18 years when we bought and is now 27 on a 30 year roof. I have a roofer clean my gutters 2x a year and he inspects the roof simultaneously. Sometimes things like flashing have had to be replaced. But otherwise I had no plans to replace it unless there’s a problem….

Aren't there usually permits pulled for roof replacements? Isn't that usually public knowledge? All the specs on your house are usually in a county database that anyone can see. Why are people so surprised to find out just how much of their life is public knowledge for savvy people?

[Anonymous]

Anonymous wrote:

Anonymous wrote:How does the insurance company know how old a roof is? Just by visual inspection? The roof was on my house when we bought it an nowhere in any paperwork was an age listed that I recall. I asked the seller so I know it was 18 years when we bought and is now 27 on a 30 year roof. I have a roofer clean my gutters 2x a year and he inspects the roof simultaneously. Sometimes things like flashing have had to be replaced. But otherwise I had no plans to replace it unless there’s a problem….

No. Just replacing the roof does not require a permit unless you change the structure.

Aren't there usually permits pulled for roof replacements? Isn't that usually public knowledge? All the specs on your house are usually in a county database that anyone can see. Why are people so surprised to find out just how much of their life is public knowledge for savvy people?

[Anonymous]

I am curious about the claims history of people getting their policies canceled. I was always told that home insurance was purely for disasters so I have never made a single claim even though there may have been some things over the years where I could have done so for amounts around $1000-$2000 after deductible.

[Anonymous]

Cancelled without notice immediately or simply not renewed?

[Anonymous]

Anonymous wrote:

Anonymous wrote:OP, involve your local jurisdiction insurance commissioner.

+1. Insurance is regulated industry. If one company is canceling a lot of policies the insurance commission should take note.

I was cancelled by Allstate and had to call 40 places to try to find someone who would write a homeowners policy.
Finally I found a Nationwide office that told me they could write 2 policies a month. Fifteen years later Allstate tried to sell me another policy (telemarketer). I told Allstate I would never use them.

[Anonymous]

05:15 poster

I had never filed any claims and I had a newer home.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:how old is your roof?

It probably has 2-3 years before it needs to be replaced. But is it normal for insurance provider to just outright cancel without prior notice or opportunity to replace roof?

Yes, it’s normal

Please expound upon this. Homeowner for 40 years and I’ve never heard of this.

Your ignorance doesn’t negate the truth.

Insurers are dropping policy holders for all sorts of reasons these days. Look at Florida.

FL and CA are exceptions. Which other states is this happening?

- dp

I think it’s happening in Louisiana as well.

[Anonymous]

Anonymous wrote:I am curious about the claims history of people getting their policies canceled. I was always told that home insurance was purely for disasters so I have never made a single claim even though there may have been some things over the years where I could have done so for amounts around $1000-$2000 after deductible.

i'm one of the posters above who had my insurance cancelled (b/c of the 9 year old roof on our newly purchased house). i have never made a single insurance claim. this has more to do with the house/underwriters/industry than me personally.

[Anonymous]

Anonymous wrote:I am curious about the claims history of people getting their policies canceled. I was always told that home insurance was purely for disasters so I have never made a single claim even though there may have been some things over the years where I could have done so for amounts around $1000-$2000 after deductible.

I had my Travellerw policy cancelled for making small claims. I just didn’t realize you weren’t supposed to do that. I had a specialty insurance for I think 2 years that was about twice as expensive, then I was able to get a normal policy with Amica. I chose a high deductible (10k) since I now know not to make amall claims!

[Anonymous]

Anonymous wrote:

Anonymous wrote:I am curious about the claims history of people getting their policies canceled. I was always told that home insurance was purely for disasters so I have never made a single claim even though there may have been some things over the years where I could have done so for amounts around $1000-$2000 after deductible.

I had my Travellerw policy cancelled for making small claims. I just didn’t realize you weren’t supposed to do that. I had a specialty insurance for I think 2 years that was about twice as expensive, then I was able to get a normal policy with Amica. I chose a high deductible (10k) since I now know not to make amall claims!

sorry not cancelled but non-renewed.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:OP here. We’re in the DMV area.

outside of the no drone zone?

Thank you for posting this. I had no idea the entire area was a no drone zone. Very interesting.

Another reason to include the insurance commissioner. I will say, on our disaster claim with Travelers, our agent got p*ssed when we threatened filing a complaint with the DC insurance commissioner (which we felt within reason to do after our housing coverage was running out while the adjuster took weeks to respond to approve installation of HVAC replacement that was completely holding up completing work - could not close walls, etc. until HVAC installed). My blood pressure still boils about this.

Really, if insurance companies are illegally flying drones in our area to cancel people's coverage with no leeway on your part to even rectify it or appeal, you should involve the commissioner.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I am curious about the claims history of people getting their policies canceled. I was always told that home insurance was purely for disasters so I have never made a single claim even though there may have been some things over the years where I could have done so for amounts around $1000-$2000 after deductible.

I had my Travellerw policy cancelled for making small claims. I just didn’t realize you weren’t supposed to do that. I had a specialty insurance for I think 2 years that was about twice as expensive, then I was able to get a normal policy with Amica. I chose a high deductible (10k) since I now know not to make amall claims!

Yeah, even simple calling to ask stays on your record (even if you don't claim it).