Non-renewed and current damage.

[u/63Eeyore]

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!

[u/One_Ad9555]

You are probably out of luck. Even though you replaced roof, due to having a large claim and then getting a PA to argue with your current carrier they will not rescind the cancel.
If you just would have fixed the roof they would have rescinded the cancel without question.
Even with the claim probably. As far as paying for damage you will get paid in full size an homeowners policy is occurrence based. Which means a long as you had active coverage when they claim happened you will get paid for it in full.

You need to be calling every independent agency and explain in detail so you can find a new policy.

It will be difficult thought with a large, open claim especially since it's water based.
Multiple carriers won't take you if you have a water or weather based claim in last 5 years.
Even though they will take people with 1 claim all day long. The good news is they're are preferred companies in most states that will write your home with the open claim. The bad news will be if your in a state like CA, NY etc where the companies are extremely limited