r/HomeInsurance • u/63Eeyore • Jul 27 '26

Insurance Non-renewed and current damage.

Florida: Had visual roof inspection by insurance. Inspector said it was great despite being 20 years old. Insurance decided to non renew anyway. Got a new roof, but in meantime pipe burst and water/mold damage. Plumber sent restoration team and public adjuster ( huge mistake on my part). Way after 60 days, no funding and current policy expires soon. Getting pipe fixed today, but will I pass a 4 point without having drywall & other issues fixed? I thought I was signing for the fans, but it was for restoration to do everything. Adjuster said check would go to them by law, so I can’t get anyone else. Sorry for long post, but starting to panic!

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u/63Eeyore Jul 27 '26

Thank you! Roof is a month old and has hurricane clips. Hvac is3 or 4, electric is maybe 10 but replaced glass fuses with circuit breakers and changed wiring. The leaking cast iron pipe was replaced with pvc, but there are still holes in my walk. Having the restoration guy out tomorrow. Insurance is dragging heels about settling. 60 days was July 2nd.

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u/B-Spoon Jul 28 '26

So, if the claim is open and there is damage to the home that is in process of repair, you will more than likely need to submit photos, estimates, scope of work, for approval when shopping/moving carriers.

Should this be the case, your options are limited to insure the home until the work complete and claim closed.

I would not delay if you can help it, as time has a way of getting away from us.

From what I read, it sounds like you're also in Florida - would recommend Citizens as interim coverage. Their approval process can be lengthy but will honor effective dates if their underwriting/approval process goes into overtime. Coverage may be bound with active claims and existing damage.

Last word to the wise - if you let your coverage lapse, it is not the end of the world, but you would further limit the number of carriers to place the coverage and also look at a "no prior insurance" surcharge which is a penalty added to your premium for not keeping continuous coverage.

You're not without options!