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.

No. They aren't allowed to cancel without notice. They can cancel, yes, but they have to give notice so the homeowners can find alternative insurance. If you have a mortgage or deed of trust on the property, it is likely that dropped insurance is a default of the loan. Also, lenders require at least a 10 day notice period before insurance can be dropped. Even without a loan, the insurance company has to give a notice, which is part of the policy declarations.

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?

so, it’s old. 2-3 years is too close for comfort. Time to replace.

that’s absurd. our roof is well past the supposed replacement timeline and it is completely air tight. We had one leak 10 years ago and nothing since (weathering many big storms). if the insurability standard is “replace everything within arbitrary timelines that have nothing to do with the actual condition,” then I think the state Insurance Commissioner should know that.

Insurance is highly regulated. I find the idea that they can cancel coverage based on aerial surveillance you never consented to, to be highly suspect.

Anecdotal data ^^ and just because everything was OK by your very specific scenario, you do realize overall, and generally speaking, insurance companies get spooked by old roofs or ones that are near the end.

There are also associations with new roofs- some material isn't nearly as combustible (wildfire embers, when it collapses, etc), new material is more hardy against storm and wind damage, and the list goes on.

NP. Unexpectedly cancelling a homeowner’s insurance based on drone footage, with no option to rectify any damage, and with no visible damage, is not normal. And it’s weird that you’re trying to say that it’s normal.

Anonymous wrote:We received notice that our home insurance is cancelled due to wear on roof, assessed by provider via aerial images. We obtained a copy of the image and there is nothing to our eyes that shows damage / wear. Does having insurance cancelled impact ability to find another provider? Increase in premiums? Will our credit score be impacted by switching to another provider? Is it best to contest cancellation with current provider?

Is there anyting else about the house that makes you high risk? Are you waterfront? History of claims on the property, in a flood zone? What state?

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

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.

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?

so, it’s old. 2-3 years is too close for comfort. Time to replace.

that’s absurd. our roof is well past the supposed replacement timeline and it is completely air tight. We had one leak 10 years ago and nothing since (weathering many big storms). if the insurability standard is “replace everything within arbitrary timelines that have nothing to do with the actual condition,” then I think the state Insurance Commissioner should know that.

Insurance is highly regulated. I find the idea that they can cancel coverage based on aerial surveillance you never consented to, to be highly suspect.

Insurance companies often go by age of the roof rather than having to inspect every roof to verify weatherproof security. Insurance companies frequently use an arbitrary age of roofs to determine whether they are willing to underwrite the insurance policy. When you have a decent roof that is older than their age limits, most of the standard underwriting insurance companies will not insure properties with older roofs. When I purchased a house with an older, but still secure roof, I had a difficult time finding an underwriter that would insure it. I called Progressive which had a large number of underwriters and they found me an underwriter to insure the property. The problem was that the premium for this policy was very expensive. I replaced the roof about 9 months after we moved in and was able to change underwriters and get my premium reduced by half.

Anonymous wrote:

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.

huh, we have been very happy with USAA.

Yep, everyone says that, and so were we. We were customers for years. Then we bought a new (old) house, got everything ready to settle, including the remodelling financing, and USAA almost totally derailed our closing because at the last minute, they declined to give us a homeowners policy. The property wasn't good enough. Mind you this is a 1950s all brick rambler in the NOVA burbs, not some ramshackle falling down shack somewhere.

We scrambled, got other coverage, rehabbed the house, and never used USAA for anything again.

USAA just cancelled our homeowners policy because we "posed too high of a risk" (read: we live in PG... they were perfectly happy to continue insuring our other home in Alexandria). We went with State Farm and switched all of our policies as well.

Anonymous wrote:Are insurance companies allowed to randomly take aerial footage of your house? Or was this from google satellite or what? WTAF?

Yes. Nowadays, most of the insurance and contracting companies use drones to take aerial footage of your house or property (like the shed in another PP's case). There are currently no laws that prevent them from sending a drone to photograph property. As many celebrities have found, there are very few privacy rules that govern flying drones with cameras and the drone operator does not have to be physically on the property (so not trespassing) to take the photos. And homeowners do not have rights to the air above their property, only to the land their house is built on.

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?

so, it’s old. 2-3 years is too close for comfort. Time to replace.

that’s absurd. our roof is well past the supposed replacement timeline and it is completely air tight. We had one leak 10 years ago and nothing since (weathering many big storms). if the insurability standard is “replace everything within arbitrary timelines that have nothing to do with the actual condition,” then I think the state Insurance Commissioner should know that.

Insurance is highly regulated. I find the idea that they can cancel coverage based on aerial surveillance you never consented to, to be highly suspect.

Anecdotal data ^^ and just because everything was OK by your very specific scenario, you do realize overall, and generally speaking, insurance companies get spooked by old roofs or ones that are near the end.

There are also associations with new roofs- some material isn't nearly as combustible (wildfire embers, when it collapses, etc), new material is more hardy against storm and wind damage, and the list goes on.

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?

so, it’s old. 2-3 years is too close for comfort. Time to replace.

that’s absurd. our roof is well past the supposed replacement timeline and it is completely air tight. We had one leak 10 years ago and nothing since (weathering many big storms). if the insurability standard is “replace everything within arbitrary timelines that have nothing to do with the actual condition,” then I think the state Insurance Commissioner should know that.

Insurance is highly regulated. I find the idea that they can cancel coverage based on aerial surveillance you never consented to, to be highly suspect.

It is highly regulated...they regulate the laws on the books. If your state allows this practice, then you are SOL. And every state is different. Also, what are the penalties for them? It may be cheaper to take the consequences than go insolvent because you don't have enough premium to cover big losses. Did you know that insurers have reinsurers who drop them as well if they have too many risky properties insured?

Anonymous wrote:This has become very normal in Florida. Insurers don’t want to deal with a claim on your roof. They can inspect/take pics of the roof and then cancel your policy. As a result, people replace their roofs sooner than structurally necessary out of pocket. You should find another carrier, but don’t be surprised if this happens again.

California too. Insurance companies are leaving CA. Home and auto both.

This has become very normal in Florida. Insurers don’t want to deal with a claim on your roof. They can inspect/take pics of the roof and then cancel your policy. As a result, people replace their roofs sooner than structurally necessary out of pocket. You should find another carrier, but don’t be surprised if this happens again.

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?

so, it’s old. 2-3 years is too close for comfort. Time to replace.

that’s absurd. our roof is well past the supposed replacement timeline and it is completely air tight. We had one leak 10 years ago and nothing since (weathering many big storms). if the insurability standard is “replace everything within arbitrary timelines that have nothing to do with the actual condition,” then I think the state Insurance Commissioner should know that.

Insurance is highly regulated. I find the idea that they can cancel coverage based on aerial surveillance you never consented to, to be highly suspect.

I'm pp and we didn't get any prior notice, and never gave them permission to enter the backyard, which they must have done while we were at work.

Anonymous wrote:Companies don’t HAVE to do business with you. You should find a different insurance provider who wants to provide you with insurance.

This ^^ OP. The same happened to us about 20 years ago. Insurance cancelled us because our stoop was "crumbling" on the back of our house.

We got a new insurer and didn't fix it for another 15 years. Zero issues.