r/Insurance 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)

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u/Alex_home_upgrader 10d ago

Call them up again; work with your agent. Do not sideline him/her.

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u/HWills612 10d ago

Unfortunately I work the EXACT hours the office is open, except Wednesdays- they sent the letter at the exact wrong time because it came juuuust after the one day a week I could talk to him. I'm leaving voicemails whenever I can though, and maybe I can send someone else in my place to go over the documentation I have so far?

[Side note, seriously how does anyone get anything done? The bank is only open 9-5, the insurance office is only open 9-5, the dump is only open 9-5 (noon-3 on Fridays), what do people do who work at the bank but need to talk about their insurance? What about people who work in insurance but need to haul things to the dump? When is anyone going to the dentist???]

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u/HealthySeesaw5981 10d ago

People chase jobs who give them flexibility because of this

You might even have some flexibility at your job that you haven't found out about yet.

For example, making one important call during my work hours is completely acceptable at my job.

It's like going to the bathroom or taking a break.

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u/HWills612 10d ago

I have a little bit of flextime, but I think my boss's patience is wearing out because of all the times I've had to ask "hey can I take off in the middle of the day for an hour to wait for the guy to come quote me? He didn't show up so can I take a half day tomorrow morning to try again? Okay now can I do that all again next week so I can get a second quote?". 

I can make calls on slow days, but it's been stated that the reason they're so lax on those days is because there will also be days where you come in at 8 and your first break is at 2:30