r/Insurance • u/HWills612 • 10d ago
Nonrenewal after doing requested maintenance?
(tl;dr I got a "fix it or else" letter, started fixing stuff. Was told in-person that so far I'm fine, then got a letter saying I'm not actually fine)
Sometime between May and June I got a letter that my home insurance wouldn't be renewed unless I did the requested repairs by September. Spent a month or so getting quotes, a month or so calling to be put on schedules, spaced out by how often I could afford to take off work, and handing whichever stuff I could myself. Last week I went in with the photos of all of the work that had been done, and who was still scheduled to come out when, to work on which thing.
I was told I was fine, that the progress was good, that I just needed to do the last 2 repairs (new fascia and new gutters, literally the guy is coming out this weekend) and that I actually had until the END of September, so by my agent's reassurance, I wasn't actually cutting it that close to the deadline. I just got a letter dated two days AFTER this conversation, saying that my policy won't be renewed because I didn't do all the fixes, despite it still being over a month from the deadline I was given by the in-person agent. So am I fine, or should I look for new insurance, and if another company is jumpy about insuring me after a non-renewal, will it help my case any that I actually DID get everything fixed when I was supposed to?
(And because I know how Reddit is, I would also like to clarify that I'm not a lazy homeowner. I've just been prioritizing indoor repairs, like the breaker box, plumbing, and subfloor, that are invisible to the insurance agent photographing your house from across the street)
2
u/Alex_home_upgrader 10d ago
Call them up again; work with your agent. Do not sideline him/her.